Equity
-€288,565
Debts exceed assets in financial year 2025.
RM4You
Lifetime
20 annual accounts with figures on one time axis, 34 filings since 1992peak €69,228 (2010)
-€8,405▼ €16,683
lowest -€240,847 (2024)
-€22,365▲ €218,483
peak €49,342 (2012)
-€288,565▼ €22,365
€411,196▲ 4.2%
peak 1.6 FTE (2013)
-not published
Board3 names since 2014
1 directorWuyts Paul
Owners
Documentsfilings and deeds
30-07-20261 days before the deadline
2025micro format
Gross margin from €8,277 to -€8,405Loss of €22,365Cash from €233 to €604
Key points
from the 2025 annual accountsLosses
-€316,447 in nine years
Every financial year from 2017 to 2025 closed with a loss. 2024 was the heaviest.
Debts
€411,196 335% of the balance sheet
Turnover not published (abbreviated or micro format)
Checked score
53
Fair
Financially stronger than 10% of micro companies in real estate (NACE 68)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,625 companies (NACE 68, micro).
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.1%
01-2025: 1.1%● unchanged vs 12-2024
02-2025: 1.1%● unchanged vs 01-2025
03-2025: 1.1%● unchanged vs 02-2025
04-2025: 1.0%▼ -0.1 percentage points vs 03-2025
05-2025: 1.0%● unchanged vs 04-2025
06-2025: 0.9%▼ -0.1 percentage points vs 05-2025
07-2025: 1.1%▲ +0.2 percentage points vs 06-2025
08-2025: 2.0%▲ +0.9 percentage points vs 07-2025
09-2025: 2.0%● unchanged vs 08-2025
10-2025: 2.0%● unchanged vs 09-2025
11-2025: 2.0%● unchanged vs 10-2025
12-2025: 2.0%● unchanged vs 11-2025
01-2026: 2.0%● unchanged vs 12-2025
02-2026: 2.0%● unchanged vs 01-2026
03-2026: 1.7%▼ -0.3 percentage points vs 02-2026
04-2026: 1.7%● unchanged vs 03-2026
05-2026: 1.7%● unchanged vs 04-2026
06-2026: 1.9%▲ +0.2 percentage points vs 05-2026
07-2026: 2.0%▲ +0.1 percentage points vs 06-2026highest value
08-2026: 0.7%▼ -1.3 percentage points vs 07-2026lowest value
09-2026: 0.7%● unchanged vs 08-2026lowest value
10-2026: 0.7%● unchanged vs 09-2026lowest value
11-2026: 0.7%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€288,565
Loss of €22,365, the second in a row (financial year 2025)
lowers risk
Size: total assets €122,631
Founded in 1992
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 5% of them on solvency, 4% on liquidity, 4% on profitability and 30% on growth.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,619 companies had the same profile as RM4You has now. Each dot stands for 17 companies, two years later.
84.5%
were still trading
10.0%
stopped another way
4.5%
went bankrupt
Another 1.0% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of RM4You itself is lower: 0.7% within 12 months. It rests on far more data about RM4You than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,619 companies, not a prediction for RM4You. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.0 (0.0 in 2024), below 1. Short-term debt is 335.3% and cash 0.5% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€288,565
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 day early
2024
7 days early
2023
30 days late
2022
31 days late
2021
31 days late
2020
16 days early
2019
46 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 3 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (4 of the last 5 accounts filed within 32 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- RM-PROJECTS 19%equity €247,934 (2025) · 2022 annual accounts of RM-PROJECTS
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0446330850
Resignation: Wouters Pedro (director)
Appointment: Wuyts Paul (director) · Director discharge: Wouters Pedro · General meeting of 24-09-2024 · Gazette deed
Merger: QRM-PROJECTS takes over TIMADRO
Company renamed from QRM-PROJECTS to RM4You · Resignations: WOUTERS Pedro, QRM-PROJECTS and RM-Projects · Permanent representative: WOUTERS Pedro · General meeting of 02-12-2021 · Gazette deed
Merger proposal: QRM - PROJECTS takes over TIMADRO
Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| RM4You Heist-op-den-Berg | €122,631 | -€8,405 | -235.3% | - |
| IMMO-WILRIJK Antwerp | €122,220 | -€8,831 | 86.9% | - |
| PITTOORSHUIS Heist-op-den-Berg | €136,674 | €313 | 90.9% | - |
| JOFA Hemiksem | €107,481 | -€14,319 | 14.2% | - |
| NAPY INVEST Mechelen | €120,358 | -€18,657 | -236.3% | - |
| TALPAN Oudenaarde | €123,418 | -€12,496 | 30.0% | - |
| AC Connect Ichtegem | €126,474 | -€7,390 | 22.0% | - |
These companies have the same main activity as RM4You: renting and operating of own or leased residential real estate, excluding social housing (NACE 68201). They are comparable in size and age: total assets between €107,000 and €137,000, founded between 1990 and 1996.
Official details
Source: KBO- Status
- Active since 27-01-1992Normal situation
- Activity
- Renting and operating of own or leased residential real estate, excluding social housingNACE 68201and 2 others
- Establishment unit
- 2.056.900.2422220 Heist-op-den-Berg, since 02-04-1992
- Financial year end
- 31 December
- Peppol
- Reachable since 12-12-2025
Annual accounts 2025
- €122,631▼ 4.5%
- Filing
- Filed on 30-07-2026, 1 day before the end of the filing period
Insights on RM4You
RM4You files the micro format. That format states no turnover. The gross margin fell from €43,134 in 2006 to -€8,405 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about RM4You
- What is the company number of RM4You?
- The company number of RM4You is 0446.330.850. The VAT number is the same number with BE in front: BE 0446.330.850.
- Where is RM4You based?
- The registered office is at Industriepark 35, 2220 Heist-op-den-Berg.Company details
- What does RM4You do?
- According to the KBO register, the main activity is renting and operating of own or leased residential real estate, excluding social housing (NACE 68201).
- What is the legal form of RM4You?
- RM4You is a private limited company (BV).
- When was RM4You founded?
- RM4You was founded on 27-01-1992.
- Is RM4You still active?
- Yes, RM4You is an active enterprise in the KBO register.
- What is the turnover of RM4You?
- The annual accounts for financial year 2025 state no turnover. The abbreviated or micro format does not require it.Financials
- Is RM4You profitable?
- In financial year 2025, RM4You made a loss of €22,365.
- Where can I find the annual accounts of RM4You?
- RM4You filed 34 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of RM4You due?
- RM4You must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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