R.P.M.
ActiveThe computed 12-month bankruptcy probability of R.P.M. is 2.4% (moderate). The 2024 annual accounts show equity of €52k and a net result of €-3k. Equity is shrinking by ~11.1% per year across the filed fiscal years. Its solvency ranks better than 43% of 15867 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability33▲+9
Solvency56▼-1
Growth32=
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days only on tighter terms
Liquidity ample (current ratio 36.91 against 1.47 in 2023; short-term debt: 0.4% and cash: 11.9% of total assets), but 69.1% 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.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
30.9%
Return on assets
-1.6%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
222324
2022 to 2024 · latest year €-3k
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-12-2025, 134 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
134 d late
2023
20 d late
2022
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€52k▼ 5.1%
2023 · €55k
2022: €64k
2023: €55k
2022 → 2024
Total assets
€168k▼ 1.7%
2023 · €170k
2022: €178k
2023: €170k
2022 → 2024
Net result
€-3k▲ 70.6%
2023 · €-9k
2022: €-2k
2023: €-9k
2022 → 2024
Working capital
€27k▼ 50.9%
2023 · €55k
2022: €64k
2023: €55k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€64k-€55k▼ 14.7%€52k▼ 5.1%
Operating result€-2k-€-9k▼ 341%€-10k▼ 4.1%
Net result€-2k-€-9k▼ 345%€-3k▲ 70.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €10k in 2024 against €9k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €168k
Fixed assets
€140k
Current assets
€28k
Equity and liabilities €168k
Equity
€52k▼ 5.1%
Debt
€116k▼ 0.1%
The debt ratio rises from 68.0% to 69.1%. Equity and debt are lower.
Key figures and ratios
Solvency
30.9%▼
2023 · 32.0%
Current ratio
36.91▲
2023 · 1.47
Quick ratio
36.91▲
2023 · 1.47
Debt / equity
2.24▲
2023 · 2.12
ROE
-5.3%▲
2023 · -17.2%
ROA
-1.6%▲
2023 · -5.5%
Debt
€116k▼
2023 · €116k
Debt ≤ 1 year
€745▼
2023 · €116k
Debt > 1 year
€115k
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€170k€168k▼
Fixed assets21/28-€140k
Financial fixed assets28-€140k
Current assets29/58€170k€28k▼
Amounts receivable within one year40/41€150k€8k▼
Other amounts receivable41€150k€8k▼
Cash at bank and in hand54/58€20k€20k▲
Equity and liabilities
Total equity and liabilities10/49€170k€168k▼
Equity10/15€55k€52k▼
Contributions10/11€66k€66k=
Capital10€66k-
Issued capital100€66k-
Profit (loss) carried forward14€-11k€-14k▼
Amounts payable17/49€116k€116k▼
Amounts payable after more than one year17-€115k
Financial debts170/4-€115k
Amounts payable within one year42/48€116k€745▼
Trade debts44€2k€745▼
Suppliers440/4€2k€745▼
Other amounts payable47/48€114k€0▼
Income statement
Code20232024
Goods, raw materials, services and sundry goods60/61€9k-
Other operating charges640/8€550€165▼
Gross operating margin9900€-9k€-10k▼
Operating profit (loss)9901€-9k€-10k▼
Financial income75/76B-€7k
Recurring financial income75-€7k
Financial charges65/66B€90€135▲
Recurring financial charges65€90€135▲
Profit (loss) for the period before taxes9903€-9k€-3k▲
Profit (loss) for the period9904€-9k€-3k▲
Profit (loss) for the period to be appropriated9905€-9k€-3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€-14k▼
Profit (loss) brought forward from the previous period14P€-2k€-11k▼
The notes to these accounts (20 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
12-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 134 days late
2024
31-12
Financial
Liquidity times 25current ratio 36.91
Current ratio from 1.47 to 36.91; short-term debt falls from €116k to €745.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
31-12
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 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, Houffalize
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 de Pierreuse 26660 HouffalizeGround area
2,143 m²
Building footprint
122 m²
Volume, LiDAR
726 m³
Parcel 82014A0474/00V000, Wallonia · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 82014A0474/00V000 | Wallonia | 2,143 m² | 1 · 122 m² | 9.0 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.
Similar companies · same sector, comparable size
MARDAI
BE 1015.711.546
Hamont-Achel · Eq €52k
ART DECOR CHASSIS
BE 0550.422.144
Etterbeek · Eq €52k
EOSOLIS RYTHM
BE 0552.877.729
Ottignies-Louvain-la-Neuve · Eq €51k
K & B AGENCIES
BE 0823.341.839
Kontich · Eq €51k
KEMPE
BE 0761.441.981
Beersel · Eq €53k
Of 1,137 companies in sector 46130 we hold annual accounts for 646. 481 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-02-2022
Fiscal year end31-12
Activities, NACEBEL
46130Agents in the wholesale of timber and building materials
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.