Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 40 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
PHOTO RAYP BILANDE from Philippeville, company number BE0843878026, closed financial year 2025 with a result of € 7,119 after tax. For that financial year PHOTO RAYP BILANDE recorded a gross margin of € 65,127 and equity of € 61,057. Compared with financial year 2024, the result moved from € -1,849 to € 7,119. Profitable, and profit is growing. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on August 5, 2026.
€ 61,057
▲ 13% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 7,119
▲ still € 1,849 loss in 2024
Profit after tax over the fiscal year.
€ 21,289
▲ € 19,836 vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 41,057.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 39,386
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 516
▼ 85% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 16,473
▼ 23% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 14,772
▲ 58% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 86,933 | € 67,889 | € 59,016 | € 65,127 | ▲ 10% |
| Profit after taxes | € 28,532 | € 6,075 | € -1,849 | € 7,119 | ▲ € 8,967 |
| Equity | € 49,711 | € 55,787 | € 53,938 | € 61,057 | ▲ 13% |
| Total debts | € 110,592 | € 96,281 | € 86,693 | € 74,447 | ▼ 14% |
| Cash | € 25,046 | € 15,264 | € 1,453 | € 21,289 | ▲ € 19,836 |
| Land & buildings | € 7,422 | € 5,178 | € 3,371 | € 1,842 | ▼ 45% |
| Retained profit | € 29,711 | € 35,787 | € 33,938 | € 41,057 | ▲ 21% |
| Balance sheet total | € 160,303 | € 152,067 | € 140,631 | € 135,504 | ▼ 4% |
Key figures of PHOTO RAYP BILANDE, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to PHOTO RAYP BILANDE?
What happened at PHOTO RAYP BILANDE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 7,119. filed late Source: NBB ↗
- New establishment in Philippeville. KBO
- Start of the company according to the CBE. KBO
In short
From € 28,532 profit in 2022 to € 7,119 profit in 2025.
Paid € 6,879 in corporate taxes since 2022.
Best year ever: 2022, with € 28,532 profit.
Management
Behind PHOTO RAYP BILANDE is OLIVIER RAYP.
Directors
According to the 2025 annual accounts
OLIVIER RAYP
Manager
Establishments
Establishment units
Physical locations of this company
Rue de Namur 22
5600 Philippeville
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0843.878.026
- VAT number
- BE 0843.878.026
- Registered office
- Rue de Namur 22, 5600 Philippeville
- Names & denominations
- PHOTO RAYP BILANDE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 16 February 2012
- Peppol
- Active · Active since 20 Nov 2020
- Activities · NACE
Detailhandel in fotografische en optische artikelen en in precisieinstrumenten, muv corrigerende brillen, lenzen en zonnebrillen
Activiteiten van fotografen, met uitzondering van persfotografen
Administratieve en ondersteunende activiteiten ten behoeve van kantoren
Overige vormen van onderwijs
Detailhandel in corrigerende brillen, lenzen en zonnebrillen
Overige fotografische activiteiten
Detailhandel in fotografische en optische artikelen en in precisieinstrumenten in gespecialiseerde winkels
Fotokopiëren, documentvoorbereiding en andere gespecialiseerde ondersteunende activiteiten ten behoeve van kantoren