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R.M.A.

Active
Public limited companyfounded 199134 yrs activeAllée des Houx 40, 4680 Oupeye, BelgiumKBO/BCE: BE 0445.727.569

R.M.A. has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €433k and a net result of €4k. Equity is shrinking by ~8.8% per year across the filed fiscal years. Its solvency ranks better than 86% of 2437 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).

Checked score

Score 2024
80 / 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability70▲+67
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 3.48 against 3.4 in 2023; short-term debt: 13.2% and cash: 17% of total assets), and 17.2% of the assets are financed with debt.
Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.
lowers risk+raises riskneutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
elevated failure risk from 2 to 8 years 34 years 0 40 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 25
Relative position
BE, all sectors
reference
Sector 25
higher
← fewer bankruptcies more bankruptcies →
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-07-2025, 2 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
2 d early
2023
8 d early
2022
12 d late
2021
31 d late
2020
31 d late
2019
32 d late
← before the deadline after the deadline →
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€4k
2023 · €-73k
2018: €89k 2019: €-14k 2020: €-31k 2021: €-55k 2022: €-5k 2023: €-73k
2018 → 2024
Working capital
€171k▼ 26.8%
2023 · €233k
2018: €505k 2019: €527k 2020: €473k 2021: €406k 2022: €319k 2023: €233k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20202021202220232024Trend
Equity€637k-€566k▼ 11.0%€526k▼ 7.1%€442k▼ 16.0%€433k▼ 2.2%
Operating result€-29k-€-51k▼ 76.9%€-1k▲ 97.4%€-71k▼ 5,237%€6k
Net result€-31k-€-55k▼ 76.0%€-5k▲ 90.3%€-73k▼ 1,278%€4k
Result per fiscal year
Operating resultNet result
€-80k€-60k€-40k€-20k€0Operating result 2020: €-29k€-29kNet result 2020: €-31k€-31kOperating result 2021: €-51k€-51kNet result 2021: €-55k€-55kOperating result 2022: €-1k€-1kNet result 2022: €-5k€-5kOperating result 2023: €-71k€-71kNet result 2023: €-73k€-73kOperating result 2024: €6k€6kNet result 2024: €4k€4k20202021202220232024
The operating result returns to profit in 2024: €6k after a loss of €71k in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €523k
Fixed assets €283k▲ 10.4%
Current assets €240k▼ 27.5%
Equity and liabilities €523k
Equity €433k▼ 2.2%
Debt €90k▼ 37.9%
The debt ratio falls from 24.7% to 17.2%. Equity and debt are lower.
Key figures and ratios
2024 value · change against 2023
EBITDA
€64k
2023 · €-8k
Cash flow
€62k
2023 · €-10k
Solvency
82.8%
2023 · 75.3%
Current ratio
3.48
2023 · 3.40
Quick ratio
3.48
2023 · 3.40
Debt / equity
0.21
2023 · 0.33
ROE
1.0%
2023 · -16.6%
ROA
0.8%
2023 · -12.5%
Interest coverage
25.01
2023 · -3.12
Debt
€90k
2023 · €145k
Debt ≤ 1 year
€69k
2023 · €97k
Debt > 1 year
€20k
2023 · €47k
Income taxes
€413
2023 · €485
Staff costs
€143k
2023 · €120k
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 · 2024 against 2023
Balance sheet Code20232024
Assets
Total assets20/58€587k€523k
Fixed assets21/28€256k€283k
Tangible fixed assets22/27€256k€283k
Land and buildings22€59k€55k
Plant, machinery and equipment23€114k€115k
Furniture and vehicles24€83k€112k
Current assets29/58€331k€240k
Amounts receivable within one year40/41€200k€138k
Trade receivables40€126k€95k
Other amounts receivable41€74k€43k
Cash at bank and in hand54/58€129k€89k
Deferred charges and accrued income490/1€2k€12k
Equity and liabilities
Total equity and liabilities10/49€587k€523k
Equity10/15€442k€433k
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€396k€389k
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€390k€383k
Profit (loss) carried forward14€-19k€-19k
Investment grants15€3k€0
Amounts payable17/49€145k€90k
Amounts payable after more than one year17€47k€20k
Financial debts170/4€47k€20k
Amounts payable within one year42/48€97k€69k
Current portion of amounts payable after more than one year42€35k€27k
Trade debts44€24k€4k
Suppliers440/4€24k€4k
Taxes, remuneration and social security45€19k€17k
Taxes450/3€8k€5k
Remuneration and social security454/9€12k€13k
Other amounts payable47/48€19k€21k
Accrued charges and deferred income492/3€917€1k
Income statement Code20232024
Remuneration, social security and pensions62€120k€143k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€63k€58k
Other operating charges640/8€21k€27k
Gross operating margin9900€134k€234k
Operating profit (loss)9901€-71k€6k
Financial income75/76B€1k€1k
Recurring financial income75€1k€1k
Financial charges65/66B€3k€3k
Recurring financial charges65€3k€3k
Profit (loss) for the period before taxes9903€-73k€5k
Income taxes67/77€485€413
Profit (loss) for the period9904€-73k€4k
Profit (loss) for the period to be appropriated9905€-73k€4k
Appropriation of the result
Profit (loss) to be appropriated9906€-19k€-14k
Profit (loss) brought forward from the previous period14P€55k€-19k
Transfer from equity791/2€10k€7k
Profit to be distributed694/7€10k€11k
Return on contributions (dividend)694€10k€11k

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

2025
29-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial Back to profitnet €4k
Net result €4k after 5 loss-making years.
23-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial Weakest financial yearnet €-73k
Net result drops to €-73k, the lowest in the series; recovery starts the following year.
12-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 12 days late
2022
31-08
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
01-09
NBB filing Annual accounts filed
fiscal year 2019 · full schema · 32 days late
2019
30-08
NBB filing Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
31-08
NBB filing Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
28-08
NBB filing Annual accounts filed
fiscal year 2016 · full schema · 28 days late
2016
31-08
NBB filing Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors
5 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, Oupeye · 1 establishment unit since 1991
establishment approximate The establishment unit on the map
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.

Allée des Houx 404680 Oupeye
Ground area
8,352 m²
Building footprint
4,014 m²
Volume, LiDAR
536 m³
2 parcels, Wallonia · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Prolongement de l'Abbaye 80, 4040 Herstal
NACE 3420
since 19912.055.182.253
2 parcels
Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62312B0024/00W007 Wallonia 7,982 m² 1 · 3,933 m² -
62050B0350/00K002 Wallonia 370 m² 1 · 81 m² 7.8 m · 2 fl.
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 3,464 companies in sector 25530 we hold annual accounts for 1,658. 1,316 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPublic limited company
Founded21-11-1991
Fiscal year end31-12
Activities, NACEBEL
25530Machining of metals
28520
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50200
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers

Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.