R.M.S.
ActiveR.M.S. has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6.01M and a net result of €466k. Equity is growing by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 89% of 2041 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €490k at 30 days acceptable
Liquidity ample (current ratio 3.53 against 3.56 in 2024; short-term debt: 19.5% and cash: 25.2% of total assets), and 19.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
80.5%
Return on assets
6.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 9 filingsDeviation from the deadline
2025
26 d late
2024
30 d late
2023
30 d late
2022
30 d late
2021
27 d late
2020
30 d late
2019
85 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€466k▼ 22.5%
2024 · €602k
2018: €264k
2019: €357k
2020: €428k
2021: €514k
2022: €895k
2023: €740k
2024: €602k
2018 → 2025
Working capital
€3.68M▼ 7.3%
2024 · €3.97M
2018: €1.77M
2019: €2.07M
2020: €2.43M
2021: €2.63M
2022: €3.14M
2023: €3.97M
2024: €3.97M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5.08M-€5.97M▲ 17.6%€6.71M▲ 12.4%€6.44M▼ 4.1%€6.01M▼ 6.7%
Operating result€524k-€1.05M▲ 101%€943k▼ 10.4%€671k▼ 28.8%€470k▼ 29.9%
Net result€514k-€895k▲ 74.1%€740k▼ 17.3%€602k▼ 18.7%€466k▼ 22.5%
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 30% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.46M
Fixed assets
€2.32M▼ 5.8%
Current assets
€5.14M▼ 7.0%
Equity and liabilities €7.46M
Equity
€6.01M▼ 6.7%
Debt
€1.46M▼ 6.3%
The debt ratio rises from 19.4% to 19.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€684k▼
2024 · €895k
Cash flow
€680k▼
2024 · €826k
Solvency
80.5%▼
2024 · 80.6%
Current ratio
3.53▼
2024 · 3.56
Quick ratio
3.50▼
2024 · 3.53
Debt / equity
0.24▲
2024 · 0.24
ROE
7.8%▼
2024 · 9.3%
ROA
6.2%▼
2024 · 7.5%
Interest coverage
28.87▼
2024 · 55.37
Debt
€1.46M▼
2024 · €1.55M
Debt ≤ 1 year
€1.46M▼
2024 · €1.55M
Income taxes
€150k▼
2024 · €196k
Staff costs
€1.38M▲
2024 · €1.20M
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€7.99M€7.46M▼
Fixed assets21/28€2.47M€2.32M▼
Tangible fixed assets22/27€724k€561k▼
Land and buildings22€204k€197k▼
Plant, machinery and equipment23€350k€259k▼
Furniture and vehicles24€170k€105k▼
Financial fixed assets28€1.74M€1.76M▲
Current assets29/58€5.53M€5.14M▼
Stocks and contracts in progress3€48k€48k▼
Stocks30/36€48k€48k▼
Amounts receivable within one year40/41€2.39M€3.10M▲
Trade receivables40€2.23M€2.90M▲
Other amounts receivable41€165k€206k▲
Current investments50/53€1.44M€43k▼
Cash at bank and in hand54/58€1.60M€1.88M▲
Deferred charges and accrued income490/1€48k€64k▲
Equity and liabilities
Total equity and liabilities10/49€7.99M€7.46M▼
Equity10/15€6.44M€6.01M▼
Contributions10/11€100k€100k=
Outside capital11€100k€100k=
Other1109/19€100k€100k=
Reserves13€284k€284k=
Non-distributable reserves130/1€10k€10k=
Reserves not available under the articles1311€10k€10k=
Tax-exempt reserves132€19k€174k▲
Distributable reserves133€255k€100k▼
Profit (loss) carried forward14€6.06M€5.62M▼
Amounts payable17/49€1.55M€1.46M▼
Amounts payable within one year42/48€1.55M€1.46M▼
Trade debts44€599k€473k▼
Suppliers440/4€599k€473k▼
Taxes, remuneration and social security45€351k€375k▲
Taxes450/3€266k€275k▲
Remuneration and social security454/9€85k€100k▲
Other amounts payable47/48€604k€608k▲
Income statement
Code20242025
Remuneration, social security and pensions62€1.20M€1.38M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€224k€213k▼
Other operating charges640/8€453k€426k▼
Gross operating margin9900€2.55M€2.49M▼
Operating profit (loss)9901€671k€470k▼
Financial income75/76B€143k€170k▲
Recurring financial income75€142k€155k▲
Non-recurring financial income76B€1k€15k▲
Financial charges65/66B€16k€24k▲
Recurring financial charges65€16k€24k▲
Profit (loss) for the period before taxes9903€798k€617k▼
Income taxes67/77€196k€150k▼
Profit (loss) for the period9904€602k€466k▼
Profit (loss) for the period to be appropriated9905€602k€466k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6.93M€6.52M▼
Profit (loss) brought forward from the previous period14P€6.33M€6.06M▼
Profit to be distributed694/7€875k€900k▲
Return on contributions (dividend)694€875k€900k▲
Social balance
Average headcount (FTE)908731.033.0▲
The notes to these accounts (7 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 26 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 30 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
27-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
31-12
Financial
Highest result since 2018net €895k ▲74.1%
Operating result €1.05M, net result €895k, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 27 days late
2021
31-12
Financial
Equity above €5MEq €5.08M ▲11.3%
4 profitable years in a row build equity to €5.08M.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 6.56
Current ratio from 2.89 to 6.56; short-term debt falls from €1.10M to €437k.
24-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 85 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Seraing · 1 establishment unit since 1987
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.
Rue des Ecoliers 1064100 SeraingGround area
188 m²
Building footprint
79 m²
Volume, LiDAR
839 m³
Parcel 62352E0604/00B003, Wallonia · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
R.M.S. SPRL
since 19872.031.867.116
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62352E0604/00B003 | Wallonia | 188 m² | 1 · 79 m² | 11.6 m · 3 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
Recognised contractor
22 categoriesR.M.S. SRL25671
Legal Entity Identifier
9676001L92ESG9JOYT51
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Of 8,456 companies in sector 43120 we hold annual accounts for 3,233. 520 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-02-1987
Fiscal year end31-12
Activities, NACEBEL
43120Site preparation
45112
41001General construction of residential buildings
42220Construction of utility projects for electricity and telecommunications
45212
45215
Sources
Crossroads Bank for EnterprisesNational Bank · 40 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.