REMIGMA
ActiveREMIGMA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (€-105k) and a net result of €-81k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 2403 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 2403 sector peers (2025).
NBB · sector comparisonPosition among 2403 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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 · 10 filingsDeviation from the deadline
2025
19 d late
2024
26 d late
2023
55 d early
2022
61 d early
2021
30 d late
2020
3 d early
2019
143 d early
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-105k▼ 338%
2024 · €-24k
2018: €5k
2019: €16k
2020: €11k
2021: €20k
2022: €11k
2023: €13k
2024: €-24k
2018 → 2025
Net result
€-81k▼ 121%
2024 · €-37k
2018: €5k
2019: €10k
2020: €-5k
2021: €9k
2022: €-9k
2023: €2k
2024: €-37k
2018 → 2025
Total assets
€687k▼ 2.1%
2024 · €702k
2018: €30k
2019: €20k
2020: €40k
2021: €31k
2022: €39k
2023: €20k
2024: €702k
2018 → 2025
Solvency
-15.3%▼ 11.9pp
2024 · -3.4%
2018: 18.3%
2019: 79.2%
2020: 27.8%
2021: 63.0%
2022: 27.8%
2023: 62.6%
2024: -3.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€11k▼ 45.2%€13k▲ 17.0%€-24k€-105k▼ 338%
Operating result€13k-€-9k€2k€-21k€-56k▼ 166%
Net result€9k-€-9k€2k€-37k€-81k▼ 121%
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 €56k in 2025 against €21k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €687k
Fixed assets
€668k▼ 0.3%
Current assets
€19k▼ 40.1%
Key figures and ratios
Solvency
-15.3%▼
2024 · -3.4%
ROE
77.2%▼
2024 · 152.8%
ROA
-11.8%▼
2024 · -5.2%
Debt
€793k▲
2024 · €726k
Debt ≤ 1 year
€283k▲
2024 · €203k
Debt > 1 year
€510k=
2024 · €510k
Income taxes
€347▼
2024 · €350
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€702k€687k▼
Fixed assets21/28€670k€668k▼
Tangible fixed assets22/27€5k€3k▼
Furniture and vehicles24€5k€3k▼
Financial fixed assets28€665k€665k=
Current assets29/58€32k€19k▼
Amounts receivable within one year40/41€1k€5k▲
Other amounts receivable41€1k€5k▲
Cash at bank and in hand54/58€30k€13k▼
Deferred charges and accrued income490/1-€234
Equity and liabilities
Total equity and liabilities10/49€702k€687k▼
Equity10/15€-24k€-105k▼
Contributions10/11€14k€14k=
Reserves13€740€740=
Distributable reserves133€740€740=
Profit (loss) carried forward14€-38k€-120k▼
Amounts payable17/49€726k€793k▲
Amounts payable after more than one year17€510k€510k=
Financial debts170/4€510k€510k=
Amounts payable within one year42/48€203k€283k▲
Trade debts44-€26k
Suppliers440/4-€26k
Taxes, remuneration and social security45€350€340▼
Taxes450/3€350€340▼
Other amounts payable47/48€203k€256k▲
Accrued charges and deferred income492/3€13k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€743€2k▲
Other operating charges640/8€1k€829▼
Gross operating margin9900€-19k€-53k▼
Operating profit (loss)9901€-21k€-56k▼
Financial charges65/66B€15k€25k▲
Recurring financial charges65€15k€25k▲
Profit (loss) for the period before taxes9903€-36k€-81k▼
Income taxes67/77€350€347▼
Profit (loss) for the period9904€-37k€-81k▼
Profit (loss) for the period to be appropriated9905€-37k€-81k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-38k€-120k▼
Profit (loss) brought forward from the previous period14P€-2k€-38k▼
The notes to these accounts (6 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
14-07
State Gazette act
RestructuringMerger · Accounting effect · Dissolution3 facts ▸
State Gazette act
Restructuring
Merger · Accounting effect · Dissolution3 facts ▸
- Merger, absorption, 100%
- Accounting effect, 2026-01-01
- Dissolution, without_liquidation
2025
31-12
Financial
Weakest financial yearnet €-81k
Net result drops to €-81k, the lowest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 2.07
Current ratio from 0.95 to 2.07; short-term debt falls from €29k to €12k.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
10-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €10k ▲118%
Operating result €14k, net result €10k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 3.27
Current ratio from 0.84 to 3.27; short-term debt falls from €24k to €4k.
12-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 91 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2018
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
14-05-2018
Didier Raedemaecker: Resigned as Manager
14-05-2018
Paul Declercq: Resigned as Manager
15-01-2013
Stéphane Van LAER: Resigned as Managing director
01-09-2011
Morgan CRASSET: Resigned as Managing director
Location & real-estate footprint
Registered office, La Hulpe · 1 establishment unit since 2009
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.
Avenue Belle Vue 651310 La HulpeGround area
1.0 ha
Building footprint
495 m²
Volume, LiDAR
4,253 m³
2 parcels, Wallonia · tallest building 15.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
REMIGMA
since 20092.178.593.670
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25033A0544/00A000 | Wallonia | 9,381 m² | 1 · 400 m² | 15.4 m · 3 fl. |
| 25050B0493/00Y002 | Wallonia | 835 m² | 1 · 94 m² | 7.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,506 companies in sector 66199 we hold annual accounts for 912. 352 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-03-2009
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.