Financials
- Fiscal year
- 2025
- Total assets
- €747,522
- Profit
- €19,890
- Solvency
- 11.1%
Total assets▼ 5.0%
Net result
20192025
R & M
ActiveSummary
R & M has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €83,087 and a net result of €19,890. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 30% of 20110 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Overview
Activity
Retail trade
NACE 47714
1 site
Size
€747,522total assets 2025
- Equity
- €83,087
- Profit
- €19,890
Turnover not published (abridged schema)
Structure
Accounts filed 30 d late0 of 10 deeds read
Why 81- Higher-failure-rate sector+ Long track record+ Annual accounts: healthy financial profileShow the evidence
Checked score
Score 2025
81
/ 100
Excellent
Probability in this band: under 0.55%
Provisional estimate
Better than 42% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
36+3
equity 11.1% of total assets
Liquidity
13+6
short-term debt 72.0% · cash 1.0%
Profitability
69-2
return on assets 2.7%
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Credit up to €6,000 at 30 days acceptable
Liquidity short (current ratio 0.6 against 0.53 in 2024; short-term debt: 72% and cash: 1% of total assets), and 88.9% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 27%, liquidity 12%, profitability 50%, growth against the median 80%. That is performance, not lower risk; the band itself always comes from the probability.
Provisional estimate: the current bankruptcy probability was not available, so Checked used its built-in model (v2).
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
11.1%
Return on assets
2.7%
Age of the figures
9 mo
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
19202122232425
2019 to 2025 · latest year €83,087
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
30 d late
2024
2 d early
2023
61 d late
2022
30 d late
2021
9 d early
2020
43 d early
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 10 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 30 August (4 of the last 5 filed years within 32 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Back to profitnet €13,796
Key points
By topic
Timeline
- Events
- 13
- Since
- 2017
- Next accounts
- by 31-07-2027
- 30-08-2026Annual accounts filed
- 29-07-2025Annual accounts filed
- 31-12-2024Back to profit
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Retail tradeNACE 47714
- Founded
- 13-08-2002
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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