RD&M
ActiveRD&M has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37k and a net result of €21k. Equity is shrinking by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 88% of 4559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+74
Solvency100▲+5
Growth58=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 4.04 against 3.08 in 2024; short-term debt: 21.6% and cash: 71.6% of total assets), and 21.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
78.4%
Return on assets
46%
Age of the figures
9 mo
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
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
161 d early
2023
13 d early
2022
19 d early
2021
29 d late
2020
45 d late
2019
52 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€37k▼ 11.1%
2024 · €41k
2018: €48k
2019: €56k
2020: €55k
2021: €58k
2022: €58k
2023: €43k
2024: €41k
2018 → 2025
Total assets
€47k▼ 20.5%
2024 · €59k
2018: €73k
2019: €77k
2020: €65k
2021: €74k
2022: €78k
2023: €72k
2024: €59k
2018 → 2025
Net result
€21k
2024 · €-2k
2018: €-7k
2019: €7k
2020: €564
2021: €4k
2022: €1k
2023: €6k
2024: €-2k
2018 → 2025
Working capital
€31k▼ 16.2%
2024 · €36k
2018: €35k
2019: €42k
2020: €43k
2021: €47k
2022: €48k
2023: €35k
2024: €36k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€58k-€58k▼ 0.3%€43k▼ 26.7%€41k▼ 3.5%€37k▼ 11.1%
Operating result€5k-€3k▼ 35.8%€8k▲ 146%€38▼ 99.5%€31k▲ 81,449%
Net result€4k-€1k▼ 61.9%€6k▲ 316%€-2k€21k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 81,449% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €47k
Fixed assets
€6k▲ 26.4%
Current assets
€41k▼ 24.7%
Equity and liabilities €47k
Equity
€37k▼ 11.1%
Debt
€10k▼ 42.7%
The debt ratio falls from 29.9% to 21.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€33k▲
2024 · €2k
Cash flow
€24k▲
2024 · €149
Solvency
78.4%▲
2024 · 70.1%
Current ratio
4.04▲
2024 · 3.08
Quick ratio
3.66▲
2024 · 2.92
Debt / equity
0.27▼
2024 · 0.43
ROE
58.6%▲
2024 · -3.7%
ROA
46.0%▲
2024 · -2.6%
Interest coverage
39.07▲
2024 · 1.20
Debt
€10k▼
2024 · €18k
Debt ≤ 1 year
€10k▼
2024 · €17k
Income taxes
€9k▲
2024 · €135
Staff costs
€12k▼
2024 · €102k
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€59k€47k▼
Fixed assets21/28€5k€6k▲
Tangible fixed assets22/27€5k€6k▲
Plant, machinery and equipment23-€1k
Furniture and vehicles24€185€92▼
Other tangible fixed assets26€5k€5k▲
Current assets29/58€54k€41k▼
Stocks and contracts in progress3€3k€4k▲
Stocks30/36€3k€4k▲
Amounts receivable within one year40/41€3k€3k▲
Trade receivables40€3k€3k▲
Other amounts receivable41€119€0▼
Cash at bank and in hand54/58€47k€33k▼
Deferred charges and accrued income490/1€813€94▼
Equity and liabilities
Total equity and liabilities10/49€59k€47k▼
Equity10/15€41k€37k▼
Contributions10/11€20k€20k▼
Reserves13€21k€17k▼
Distributable reserves133€21k€17k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€18k€10k▼
Amounts payable within one year42/48€17k€10k▼
Trade debts44€4k€5k▲
Suppliers440/4€4k€5k▲
Taxes, remuneration and social security45€14k€5k▼
Taxes450/3€3k€5k▲
Remuneration and social security454/9€11k€644▼
Other amounts payable47/48€0€67▲
Accrued charges and deferred income492/3€62€0▼
Income statement
Code20242025
Non-recurring operating income76A€7k€24▼
Remuneration, social security and pensions62€102k€12k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€632€841▲
Gross operating margin9900€104k€46k▼
Operating profit (loss)9901€38€31k▲
Financial income75/76B€0€16▲
Recurring financial income75€0€16▲
Financial charges65/66B€1k€852▼
Recurring financial charges65€1k€852▼
Profit (loss) for the period before taxes9903€-1k€30k▲
Income taxes67/77€135€9k▲
Profit (loss) for the period9904€-2k€21k▲
Profit (loss) for the period to be appropriated9905€-2k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€21k▲
Transfer from equity791/2€2k€21k▲
Transfer to equity691/2€0€16k▲
To other reserves6921€0€16k▲
Profit to be distributed694/7€0€26k▲
Return on contributions (dividend)694€0€26k▲
The notes to these accounts (8 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
20-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
14-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 45 days late
2020
21-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 52 days late
2019
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2012
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.
Lindenstraat 1232070 Beveren-Kruibeke-ZwijndrechtGround area
140 m²
Building footprint
125 m²
Volume, LiDAR
1,104 m³
Parcel 11056B0415/00B002, Flanders · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
MAILINI
since 20122.207.518.278
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11056B0415/00B002 | Flanders | 140 m² | 1 · 125 m² | 11.1 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 1,335 EUR awarded · 1,335 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,335 EUR | 1,335 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
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Of 21,751 companies in sector 96210 we hold annual accounts for 2,827. 2,238 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-01-2012
Fiscal year end31-12
Activities, NACEBEL
96021Hairdressing
96210Hairdressing and barber services
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.