Debts
€389,176 88% of the balance sheet
Financial debts 89%Suppliers 3%Taxes and wages 1%Other 7%
Of this, €44,694 falls due within a year.
REAMCO
Overview
Lifetime
2 annual accounts with figures on one time axispeak €39,010 (2025)
€39,010▲ 294%
lowest -€2,167 (2024)
€6,504▲ €8,671
peak €54,337 (2025)
€54,337▲ 13.6%
€389,176▲ 3.9%
Board2 names since 2024
2 directorsDUVIVIER Laurent and 1 other
Documentsfilings and deeds
26-08-202626 days late
2025micro format
Gross margin from €9,899 to €39,010Back to profit: €6,504Equity from €47,833 to €54,337Investments €68,407
Key points
from the 2025 annual accountsInvestments
€68,407 5.7 × depreciation
Green is investment, beige is depreciation. Land and buildings stand 17.3% higher than in 2024.
Position in the sector
12.3%
Lower solvency than 84% of companies in specialised construction. Sector median 46.7% · 35,119 companies.
2025 accounts filed 26 days after the deadline
Checked score
63
Healthy
Financially stronger than 37% of micro companies in specialised construction (NACE 43)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.4% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,701 companies (NACE 43, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
04-2025: 1.9%
05-2025: 1.9%● unchanged vs 04-2025
06-2025: 1.9%● unchanged vs 05-2025
07-2025: 2.4%▲ +0.5 percentage points vs 06-2025
08-2025: 2.4%● unchanged vs 07-2025
09-2025: 2.7%▲ +0.3 percentage points vs 08-2025highest value
10-2025: 1.5%▼ -1.2 percentage points vs 09-2025
11-2025: 1.5%● unchanged vs 10-2025
12-2025: 1.5%● unchanged vs 11-2025
01-2026: 1.5%● unchanged vs 12-2025
02-2026: 1.5%● unchanged vs 01-2026
03-2026: 1.6%▲ +0.1 percentage points vs 02-2026
04-2026: 1.6%● unchanged vs 03-2026
05-2026: 1.8%▲ +0.2 percentage points vs 04-2026
06-2026: 1.7%▼ -0.1 percentage points vs 05-2026
07-2026: 1.8%▲ +0.1 percentage points vs 06-2026
08-2026: 2.2%▲ +0.4 percentage points vs 07-2026
09-2026: 1.4%▼ -0.8 percentage points vs 08-2026
10-2026: 1.4%● unchanged vs 09-2026lowest value
11-2026: 1.4%● unchanged vs 10-2026lowest value
Financial strengthAverage
Score breakdown
raises risk
Founded in 2024
Sector: Specialised construction activities (NACE 43)
Liquidity: current ratio 1.32, cash €14,292
lowers risk
Size: total assets €443,513
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 15% of them on solvency, 50% on liquidity, 22% on profitability and 60% on growth.
The bankruptcy probability was computed on 07-11-2026 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 low class on 30-06-2025, 0.8% 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, 2,542 companies had the same profile as REAMCO has now. Each dot stands for 7 companies, two years later.
95.0%
were still trading
1.2%
stopped another way
3.5%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of REAMCO itself: 1.4% within 12 months.
Test of the method
The method was tested on the 497,447 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 2,542 companies, not a prediction for REAMCO. 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 €3,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.32 (0.95 in 2024), below the usual 1.5. Short-term debt is 10.1% and cash 3.2% of total assets. 87.7% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 35119 sector peers (2025).
NBB · sector comparisonPosition among 35119 sector peers
Solvency
better than 16%
← weakest
strongest →
raises risk · 2025 accounts filed 26 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filingsDeviation from the deadline
2025
26 days late
2024
29 days late
← 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 28 days after 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
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- Laurent DUVIVIER 250 sharesdeed of 18-03-2024
- SCHEPERS Robin Nathan 250 sharesdeed of 18-03-2024
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1007114673
Incorporation
Founding capital of €50,000, 500 shares · Founders: Laurent DUVIVIER and SCHEPERS Robin Nathan · Appointments: Laurent DUVIVIER (director) and SCHEPERS Robin Nathan (director) · published on 18-03-2024 · Gazette deed
First establishment
Rue de Beaumont 132, Thuin
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| REAMCO Thuin | €443,513 | €39,010 | 12.3% | - |
| AUWERS POOLS & SHOWERS Nijlen | €349,226 | €41,245 | 16.3% | - |
| Atelier B Schoten | €570,333 | €36,580 | 17.0% | - |
| SOTTECO Florennes | €426,715 | €29,516 | -6.9% | - |
| BF PROJECT Zaventem | €291,750 | €30,155 | 18.8% | - |
| Liric Stekene | €308,543 | €33,916 | 6.9% | - |
| RE.D. WOOD Bernissart | €333,067 | €50,650 | 0.0% | - |
These companies have the same main activity as REAMCO: other specialised construction activities (NACE 43990). They are comparable in size and age: total assets between €292,000 and €570,000, founded between 2023 and 2025.
Official details
Source: KBO- Status
- Active since 14-03-2024Normal situation
- Activity
- Other specialised construction activitiesNACE 43990
- Joint committee
- 124Construction · annual accounts 2025
- Establishment unit
- 2.357.592.3246536 Thuin, since 14-03-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 05-01-2026
Annual accounts 2025
- €39,010▲ 294%
- ≈ €340,000estimated
- €6,504
- €54,337▲ 13.6%
- €443,513▲ 5.0%
- ≈ 0.1 FTEestimated
- Filing
- Filed on 26-08-2026
Insights on REAMCO
REAMCO has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €54,337 and a net result of €6,504.
Its solvency ranks better than 16% of 35,119 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 26-08-2026, 26 days late€39,010
▲ 294%
€21,631
▲ €23,140
€6,504
▲ €8,671
€14,440
▲ €19,664
12.3%
▲ 0.9 percentage points
1.32
▲ 0.38
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €340,000. Estimated: probably between €230,000 and €600,000.
Balance sheet
balance sheet total €443,513 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
12.3%
Higher than 16% of 35,119 companies in 2025.
1.32
Higher than 34% of 34,493 companies in 2025.
1.5%
Higher than 30% of 34,694 companies in 2025.
REAMCO
Middle half of the sector
80% of the sector
Micro accounts in specialised construction (NACE 43)
Net result: middle half · Equity: middle half · Balance sheet total: top quarter · Working capital: middle half
Staff
Staff costs divided by the average number of full-time equivalents.
people who joined
people who left
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
443,513 | 422,460 | |
21/28 |
384,379 | 328,069 | |
22/27 |
384,379 | 328,069 | |
22 |
377,732 | 322,010 | |
24 |
6,647 | 6,059 | |
29/58 |
59,134 | 94,391 | |
3 |
40,960 | 72,027 | |
37 |
40,960 | 72,027 | |
40/41 |
1,888 | 6,875 | |
40 |
1,319 | 6,601 | |
41 |
569 | 274 | |
54/58 |
14,292 | 13,064 | |
490/1 |
1,994 | 2,425 | |
| Balance sheet: equity and liabilities | |||
10/49 |
443,513 | 422,460 | |
10/15 |
54,337 | 47,833 | |
10/11 |
50,000 | 50,000 | |
14 |
4,337 | -2,167 | |
17/49 |
389,176 | 374,627 | |
17 |
344,482 | 275,012 | |
170/4 |
344,482 | 275,012 | |
42/48 |
44,694 | 99,615 | |
42 |
3,819 | 9,988 | |
44 |
10,593 | 19,156 | |
440/4 |
10,593 | 19,156 | |
46 |
22,125 | 67,382 | |
45 |
5,264 | 2,606 | |
450/3 |
3,645 | 1,989 | |
454/9 |
1,619 | 617 | |
47/48 |
2,894 | 484 | |
| Income statement | |||
9900 |
39,010 | 9,899 | |
62 |
2,908 | 4,733 | |
630 |
12,097 | 5,222 | |
640/8 |
2,375 | 1,453 | |
9901 |
21,631 | -1,510 | |
75/76B |
11 | - | |
75 |
11 | - | |
65/66B |
11,493 | 108 | |
65 |
11,493 | 108 | |
9903 |
10,149 | -1,618 | |
67/77 |
3,645 | 549 | |
9904 |
6,504 | -2,167 | |
9905 |
6,504 | -2,167 | |
| Appropriation of the result | |||
9906 |
4,337 | -2,167 | |
14P |
-2,167 | - | |
| Social balance sheet | |||
9087 |
- | 0.8 | |
Hours worked1013 |
- | 480 | |
| Document | |||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 26-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 26 days after the deadline. Filed on 26 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00427612.
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 33,727 | 3,712 | ||
| 18,601 | 3,055 | ||
| 68,407 | 333,291 | ||
| 1,227 | - | ||
| 14,440 | -5,224 | ||
| 12.3% | 11.3% | ||
| 1.32 | 0.95 | ||
| 0.41 | 0.22 | ||
| 7.16 | 7.83 | ||
| 12.0% | -4.5% | ||
| 1.5% | -0.5% | ||
| 2.93 | 34.23 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Social balance sheet
| Item | 31-12-2024 |
|---|---|
| Employees at the balance-sheet date | 1 |
| full-time | 1 |
| part-time | 0 |
| in full-time equivalents | 0 |
| Joined | 2 |
| Left | 1 |
| Training hours | 480 |
Source: social balance sheet in the 2024 annual accounts
Securities and guarantees
on own assets and for others| Item | 2025 | 2024 |
|---|---|---|
| Mortgages, amount registered | - | €50,000 |
| - | €315,000 | |
| Carrying value of the mortgaged assets | - | €322,010 |
Source: notes to the 2024 to 2025 annual accounts (statement of debts and off-balance-sheet rights and commitments)
Investments
fixed assets acquired| Item | 2025 | 2024 |
|---|---|---|
| Tangible fixed assets | €68,407 | €333,291 |
| €12,097 | €5,222 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on REAMCO
The operating result for 2025 is a profit of €21,631, after a loss of €1,510 in 2024.
Debt's share of the balance-sheet total falls from 88.7% to 87.7%. Equity and debt are higher.
Board & ownership
Board
2 directors, since incorporationDirector (not named in the articles)
appointed by deed of 18-03-2024
term without a fixed end
also on the board of 1 other company
listed in the 2025 annual accounts, filed on 26-08-2026
Director (not named in the articles)
appointed by deed of 18-03-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 26-08-2026
Mandates through the years
2 names, the dashed line is todayDUVIVIER Laurent
Director (not named in the articles)
Director (not named in the articles)
SCHEPERS Robin Nathan
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- DUVIVIER Laurent
- Director (not named in the articles), appointed by deed of 18-03-2024, still in office
- SCHEPERS Robin Nathan
- Director (not named in the articles), appointed by deed of 18-03-2024, still in office
Control
Founders
This company
REAMCO
Equity €54,337
Profit €6,504 in 2025
Capital
- Contribution
- €50,000
- Shares
- 500
- Contribution per share
- €100
- Equity per share
- €109 in 2025
- Source
- deed of 18-03-2024
Articles of association
deed of 18-03-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Moitié cédant, moitié acquéreurs proportionnellement nombre actions acquises s’ils sont plusieurs, tous cas cessions entre vifs onéreux ou…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Friday of June at 18:00
Shareholders
At incorporation
deed of 18-03-2024 ↗
- Laurent DUVIVIER 250 shares
- SCHEPERS Robin Nathan 250 shares
Network & group
No group
REAMCO has no parent and no holdings in its annual accounts.
Connections & network
1 connected companyThe connected companies are in the list below.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Linked via shared directors
DL INVEST
via DUVIVIER Laurent · Director (not named in the articles) · deed of 25-06-2026
Founded in 2026
→
Timeline
Timeline
6 events since 2024Filings
Financial
Establishments
202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 26 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:1007114673
2025
Back to profit net €6,504 The net result is €6,504, after one loss-making year.
Annual accounts 2024 filed PDFmicro format · 29 days late
2024
IncorporationFounding capital of €50,000, 500 shares · Founders: Laurent DUVIVIER and SCHEPERS Robin Nathan · Appointments: Laurent DUVIVIER (director) and SCHEPERS Robin Nathan (director) · published on 18-03-202411 points ▸
- Founder, Laurent DUVIVIER
- Founder, SCHEPERS Robin Nathan
- Founding capital, €50,000, 500 shares
- Capital, €50,000
- Registered office clause, rue de Beaumont 132, 6536 Thuillies
- Board rule, 2
- Director appointment, Laurent DUVIVIER (director (not named in the articles))
- Director appointment, SCHEPERS Robin Nathan (director (not named in the articles))
- Power of attorney, Caroline Counet
- Laurent DUVIVIER holds 250 shares
- SCHEPERS Robin Nathan holds 250 shares
- The deed holds 3 more points.
First establishment Rue de Beaumont 132, Thuin
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 1007.114.673
- VAT number
- BE 1007.114.673
- Peppol ID
- 0208:1007114673
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 14-03-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Friday of June at 18:00deed of 18-03-2024 (in French)
- Peppol
- Reachable since 05-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- REAMCO in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 18-03-2024 (in French)
Activities
NACEBEL 2025VAT activities
43990
Other specialised construction activities main activity
Social security (RSZ) activities
43990
Other specialised construction activities main activity
Joint committees annual accounts 2025
JC 124
Construction
Codes under NACEBEL 2008
VAT activities
43995
Specialised construction activities main activity
Social security (RSZ) activities
43995
Specialised construction activities main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Toutes opérations en relation directe ou indirecte avec les métiers de la construction et en particulier les travaux de transformations…”deed of 18-03-2024 (in French)
12 activities
- Toutes opérations en relation directe ou indirecte avec les métiers de la construction et en particulier les travaux de transformations, rénovations et mises en valeur de biens immobiliers ou mobiliers
- L’exploitation, la gestion, l’administration de tous biens mobiliers ou immobiliers, et en particulier la location d’espaces de rangement, de box, conteneurs, et de hangars
- Toutes opérations d’achat, de vente, de promotion de tous immeubles généralement quelconques ou de biens meubles
- Toutes activités se rapportant aux activités d’engineering, de bureau d’études, de coordination et négociation de projets, d’assistance technique, d’optimalisation de processus dans les domaines d’activités précités
- Toutes représentations commerciales et industrielles généralement quelconques dans les secteurs précités et notamment l'achat, la vente, la location, la distribution, le placement de tout matériau, machine, mobilier
- Toutes activités se rapportant à la conception, la fabrication, la commercialisation de logiciels, de développements informatiques au sens large dans les domaines d’activités précités
- Prendre, acquérir, exploiter ou concéder tous brevets, licences, marques de fabrique ou procédés de fabrication et de manière générale tout droit intellectuel relatifs à son objet notamment dans le cadre d’une expansion commerciale par tout type de canaux commerciaux
- Toutes opérations généralement quelconques, commerciales, industrielles, financières, mobilières ou immobilières, ayant un rapport direct ou indirect avec son objet social ou de nature à en favoriser la réalisation et le développement
- S'intéresser par voie d'apport, de souscription, de prise de participation, de fusion, ou toute autre forme d'investissement en titre ou droit immobilier, dans toutes affaires, entreprises, associations ou sociétés ayant un objet identique, analogue, similaire ou connexe, ou qui sont de nature à favoriser le développement de son entreprise
- Se porter caution et donner toute sureté personnelle ou réelle en faveur de toute personne privée ou société, liée ou non
- Représenter tout tiers
- Exercer les fonctions d’administrateur ou liquidateur dans d’autres sociétés
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue de Beaumont 132 registered office 6536 Thuin | 14-03-2024 | 2.357.592.324 |
Buildings and parcels at the address
- Ground area
- 1,460 m²
- Buildings
- 123 m²
- Volume, LiDAR
- 713 m³
- Tallest building
- 8.2 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 56077A0613/00N002 | 1,460 m² | 1 · 123 m² | 8.2 m · 2 |
Contact
E-mail
info@reamco.be
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1007.114.673