Turnover
≈ €200,000 estimated
The micro format states no turnover.
R&M SERVICES
Lifetime
2 annual accounts with figures on one time axispeak €30,404 (2024)
€21,483▼ 29.3%
peak €21,438 (2024)
€8,602▼ 59.9%
peak €31,040 (2025)
€31,040▲ 38.3%
€13,933▼ 28.3%
Board2 names since 2024
2 directorsDA SILVA Raquel Cecilia and 1 other
Documentsfilings and deeds
26-06-202635 days before the deadline
2025micro format
Gross margin from €30,404 to €21,483Result from €21,438 to €8,602Equity from €22,438 to €31,040Debts from €19,421 to €13,933
Key points
from the 2025 annual accountsInvestments
€10,250 1.6 × depreciation
Green is investment, beige is depreciation.
At the same address
77 companies
Checked score
54
Fair
Financially stronger than 65% of micro companies in specialised construction (NACE 43)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.2% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,696 companies (NACE 43, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
03-2025: 3.8%
04-2025: 3.9%▲ +0.1 percentage points vs 03-2025
05-2025: 4.0%▲ +0.1 percentage points vs 04-2025
06-2025: 4.5%▲ +0.5 percentage points vs 05-2025
07-2025: 3.2%▼ -1.3 percentage points vs 06-2025
08-2025: 3.4%▲ +0.2 percentage points vs 07-2025
09-2025: 3.5%▲ +0.1 percentage points vs 08-2025
10-2025: 3.5%● unchanged vs 09-2025
11-2025: 3.5%● unchanged vs 10-2025
12-2025: 3.5%● unchanged vs 11-2025
01-2026: 3.5%● unchanged vs 12-2025
02-2026: 3.6%▲ +0.1 percentage points vs 01-2026
03-2026: 3.7%▲ +0.1 percentage points vs 02-2026
04-2026: 4.4%▲ +0.7 percentage points vs 03-2026
05-2026: 5.1%▲ +0.7 percentage points vs 04-2026highest value
06-2026: 2.7%▼ -2.4 percentage points vs 05-2026
07-2026: 2.6%▼ -0.1 percentage points vs 06-2026
08-2026: 2.6%● unchanged vs 07-2026
09-2026: 2.5%▼ -0.1 percentage points vs 08-2026
10-2026: 2.3%▼ -0.2 percentage points vs 09-2026
11-2026: 2.2%▼ -0.1 percentage points vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2024
Size: total assets €44,973
Liquidity: current ratio 2.10, cash €200
Sector: Specialised construction activities (NACE 43)
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 43, micro). It does better than 75% of them on solvency, 26% on liquidity, 79% on profitability and 79% on growth.
The bankruptcy probability was computed on 10-11-2026 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 moderate class on 30-06-2025, 2.4% 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, 39,278 companies had the same profile as R&M SERVICES has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of R&M SERVICES itself is higher: 2.2% within 12 months. It rests on far more data about R&M SERVICES than the profile alone.
Test of the method
The method was tested on the 497,448 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 39,278 companies, not a prediction for R&M SERVICES. 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
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.1 (1.45 in 2024), above the usual 1.5. Short-term debt is 31% and cash 0.4% of total assets. 31% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
raises riskneutral
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 26-06-2026, 35 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
35 days early
2024
43 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 39 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% 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.
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- Da Silva Raquel 50 sharesdeed of 13-05-2024
- De Morais Thiago 50 sharesdeed of 13-05-2024
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1005953445
Registered office moved from Beersel to Linkebeek
New registered office: Alsembersteenweg 34 te 1630 Linkebeek · Previous registered office: Alsembergsteenweg 1416 te 1650 Beersel · Da Silva Raquel holds 50 shares · Gazette deed
Incorporation
Founding capital of €1,000, 100 shares · Founders: DA SILVA Raquel Cecilia and DE MORAIS Thiago Henrique · Appointments: DA SILVA Raquel Cecilia (director) and DE MORAIS Thiago Henrique (director) · published on 15-02-2024 · Gazette deed
First establishment
Camille Lemonnierstraat 105, Ixelles
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| R&M SERVICES Linkebeek | €44,973 | €21,483 | 69.0% | - |
| CBE PRO Liège | €42,945 | €22,753 | 65.7% | - |
| GHM PLAMUUR Dilbeek | €39,137 | €14,843 | 29.3% | - |
| ISO-ENERGY Schaerbeek | €54,718 | €17,842 | 90.6% | - |
| MIPDESIGN Anderlecht | €34,287 | €17,792 | 66.8% | - |
| ALTAN ET FILS Herstal | €41,712 | €25,952 | 59.6% | - |
| FD GROUP Evere | €48,769 | €18,009 | 92.4% | - |
These companies have the same main activity as R&M SERVICES: insulation installation (NACE 43230). They are comparable in size and age: total assets between €34,300 and €54,700, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 13-02-2024Normal situation
- Registered office
- 78 active companies are registered at this address4 started in the 12 months before. Source: KBO register, as of 11 November 2026.
- Activity
- Insulation installationNACE 43230and 4 others
- Establishment unit
- 2.356.874.2271050 Ixelles, since 13-02-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 04-12-2025
Annual accounts 2025
- €44,973▲ 7.4%
- Filing
- Filed on 26-06-2026, 35 days before the end of the filing period
Insights on R&M SERVICES
The computed 12-month bankruptcy probability of R&M SERVICES is 2.2% (moderate). The 2025 annual accounts show equity of €31,040 and a net result of €8,602.
Its solvency ranks better than 74% of 35,156 sector peers (NACE 43, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
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 R&M SERVICES
- What is the company number of R&M SERVICES?
- The company number of R&M SERVICES is 1005.953.445. The VAT number is the same number with BE in front: BE 1005.953.445.
- Where is R&M SERVICES based?
- The registered office is at Alsembergsesteenweg 34, 1630 Linkebeek.Company details
- What does R&M SERVICES do?
- According to the KBO register, the main activity is insulation installation (NACE 43230).
- What is the legal form of R&M SERVICES?
- R&M SERVICES is a private limited company (BV).
- When was R&M SERVICES founded?
- R&M SERVICES was founded on 13-02-2024.
- Is R&M SERVICES still active?
- Yes, R&M SERVICES is an active enterprise in the KBO register.
- What is the turnover of R&M SERVICES?
- The turnover in financial year 2025 is ≈ €200,000. This figure is estimated from the gross margin of €21,483 and 32 comparable companies (NACE 43230). It probably lies between €110,000 and €460,000. It is a rough estimate.Financials
- Is R&M SERVICES profitable?
- In financial year 2025, R&M SERVICES made a profit of €8,602.
- Where can I find the annual accounts of R&M SERVICES?
- R&M SERVICES filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of R&M SERVICES due?
- R&M SERVICES must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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