R.B.M. SERVICES is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €4.35M and a net result of €706k. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 93% of 5521 sector peers (fiscal year 2025). The company has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €4.35M
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 15-04-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
48 d early
2023
111 d early
2022
38 d early
2021
109 d early
2020
116 d early
2019
80 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€4.35M▲ 19.4%
2024 · €3.64M
2018: €4.81M
2019: €4.84M
2020: €4.86M
2021: €4.91M
2022: €3.08M
2023: €3.36M
2024: €3.64M
2018 → 2025
Net result
€706k▲ 129%
2024 · €309k
2018: €56k
2019: €27k
2020: €27k
2021: €48k
2022: €72k
2023: €280k
2024: €309k
2018 → 2025
Total assets
€4.49M▲ 20.6%
2024 · €3.73M
2018: €5.25M
2019: €4.94M
2020: €4.96M
2021: €5.00M
2022: €3.56M
2023: €3.83M
2024: €3.73M
2018 → 2025
Solvency
96.8%▼ 1.0pp
2024 · 97.7%
2018: 91.5%
2019: 97.8%
2020: 98.1%
2021: 98.3%
2022: 86.5%
2023: 87.8%
2024: 97.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4.91M-€3.08M▼ 37.2%€3.36M▲ 9.1%€3.64M▲ 8.3%€4.35M▲ 19.4%
Operating result€31k-€72k▲ 128%€402k▲ 462%€435k▲ 8.1%€980k▲ 125%
Net result€48k-€72k▲ 51.3%€280k▲ 288%€309k▲ 10.3%€706k▲ 129%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 125% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.49M
Fixed assets
€470k▼ 6.2%
Current assets
€4.02M▲ 24.7%
Equity and liabilities €4.49M
Equity
€4.35M▲ 19.4%
Provisions
€8k▼ 3.8%
Debt
€137k▲ 79.2%
The debt ratio rises from 2.1% to 3.1%. Equity and debt are higher.
Key figures and ratios
Solvency
96.8%▼
2024 · 97.7%
ROE
16.2%▲
2024 · 8.5%
ROA
15.7%▲
2024 · 8.3%
Debt
€137k▲
2024 · €76k
Debt ≤ 1 year
€135k▲
2024 · €74k
Income taxes
€335k▲
2024 · €146k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€3.73M€4.49M▲
Fixed assets21/28€501k€470k▼
Tangible fixed assets22/27€501k€470k▼
Other tangible fixed assets26€501k€470k▼
Financial fixed assets28€100€100=
Current assets29/58€3.22M€4.02M▲
Amounts receivable after more than one year29€183k€183k=
Other amounts receivable291€183k€183k=
Amounts receivable within one year40/41€152k€1.01M▲
Trade receivables40€24k€12k▼
Other amounts receivable41€127k€1.00M▲
Current investments50/53€1.50M€2.40M▲
Cash at bank and in hand54/58€1.37M€400k▼
Deferred charges and accrued income490/1€20k€23k▲
Equity and liabilities
Total equity and liabilities10/49€3.73M€4.49M▲
Equity10/15€3.64M€4.35M▲
Contributions10/11€1.58M€1.58M=
Capital10€1.58M€1.58M=
Issued capital100€1.58M€1.58M=
Reserves13€1.98M€2.69M▲
Non-distributable reserves130/1€158k€158k=
Legal reserve130€158k€158k=
Tax-exempt reserves132€31k€30k▼
Distributable reserves133€1.79M€2.50M▲
Profit (loss) carried forward14€78k€79k▲
Provisions and deferred taxes16€8k€8k▼
Deferred taxes168€8k€8k▼
Amounts payable17/49€76k€137k▲
Amounts payable within one year42/48€74k€135k▲
Trade debts44€6k€3k▼
Suppliers440/4€6k€3k▼
Taxes, remuneration and social security45€20k€101k▲
Taxes450/3€20k€101k▲
Other amounts payable47/48€48k€31k▼
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€31k=
Other operating charges640/8€8k€8k▼
Non-recurring operating charges66A€37-
Gross operating margin9900€474k€1.02M▲
Operating profit (loss)9901€435k€980k▲
Financial income75/76B€26k€65k▲
Recurring financial income75€26k€65k▲
Financial charges65/66B€6k€4k▼
Recurring financial charges65€6k€4k▼
Profit (loss) for the period before taxes9903€454k€1.04M▲
Transfer from deferred taxes780€298€298=
Income taxes67/77€146k€335k▲
Profit (loss) for the period9904€309k€706k▲
Transfer from tax-exempt reserves789€1k€1k=
Profit (loss) for the period to be appropriated9905€310k€707k▲
Appropriation of the result
Profit (loss) to be appropriated9906€383k€785k▲
Profit (loss) brought forward from the previous period14P€73k€78k▲
Transfer from equity791/2€30k-
Transfer to equity691/2€305k€706k▲
To other reserves6921€305k€706k▲
Profit to be distributed694/7€30k-
Return on contributions (dividend)694€30k-
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
15-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Highest result since 2018net €706k ▲129%
Operating result €980k, net result €706k, both a record.
13-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Liquidity times 6current ratio 43.35
Current ratio from 7.22 to 43.35; short-term debt falls from €457k to €74k.
10-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
23-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
11-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
04-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Weakest financial yearnet €27k ▼1.3%
Net result drops to €27k, the lowest in the series; recovery starts the following year.
10-02
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Liquidity quadruplescurrent ratio 45.43
Current ratio from 10.54 to 45.43; short-term debt falls from €432k to €94k.
19-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
08-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Mechelen · 1 establishment unit since 1995
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Egide Walschaertsstraat 2A2800 MechelenGround area
9,368 m²
Building footprint
5,117 m²
Volume, LiDAR
29,026 m³
Parcel 12403E0848/00H000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
R.B.M. Services
since 19952.074.223.254
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12403E0848/00H000 | Flanders | 9,368 m² | 1 · 5,117 m² | 8.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
894500P7IIR8LKFM2B42
Similar companies · same sector, comparable size
FEYS ESTATE
BE 0667.967.536
Zulte · Eq €4.35M
LISALIM
BE 0416.580.455
Nazareth-De Pinte · Eq €4.34M
HETREFIL
BE 0841.377.505
Harelbeke · Eq €4.34M
SOPRACO
BE 0507.988.901
Geel · Eq €4.34M
HOOCAF
BE 0690.915.855
Waregem · Eq €4.33M
Of 24,728 companies in sector 64210 we hold annual accounts for 19,760. 8,575 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded07-11-1995
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
General meetings
1 convocationGeneral meeting
jaarverslag. Goedkeuring jaarrekening. Bestemming resultaat. Kwijting bestuurders. (Her)Benoemingen. Divers. (AOPC-1-8-00028/26.02)