RETRAMEX
ActiveSummary
RETRAMEX has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €124k and a net result of €24k. Equity is growing by ~19.7% per year across the filed fiscal years. Its solvency ranks better than 52% of 7453 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-3
Solvency70▼-6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 1.89 against 2.3 in 2024; short-term debt: 36.1% and cash: 25.7% of total assets), but 54.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
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
45.3%
Return on assets
8.9%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 21-04-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
29 d early
2023
on the day
2022
11 d early
2021
2 d early
2020
5 d late
2019
27 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€124k▲ 24.4%
2024 · €99k
2018: €41k
2019: €41k
2020: €42k
2021: €51k
2022: €74k
2023: €77k
2024: €99k
2018 → 2025
Total assets
€273k▲ 40.9%
2024 · €194k
2018: €120k
2019: €119k
2020: €99k
2021: €136k
2022: €145k
2023: €130k
2024: €194k
2018 → 2025
Net result
€24k▲ 7.4%
2024 · €23k
2018: €4k
2019: €-100
2020: €832
2021: €9k
2022: €24k
2023: €2k
2024: €23k
2018 → 2025
Working capital
€88k▲ 2.7%
2024 · €86k
2018: €29k
2019: €31k
2020: €30k
2021: €27k
2022: €51k
2023: €64k
2024: €86k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€51k-€74k▲ 47.0%€77k▲ 3.1%€99k▲ 29.4%€124k▲ 24.4%
Operating result€12k-€32k▲ 174%€5k▼ 84.5%€31k▲ 530%€37k▲ 16.4%
Net result€9k-€24k▲ 176%€2k▼ 90.3%€23k▲ 881%€24k▲ 7.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 16% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €273k
Fixed assets
€86k ▲ 107%
Current assets
€187k ▲ 22.9%
Equity and liabilities €273k
Equity
€124k ▲ 24.4%
Debt
€149k ▲ 58.2%
Debt's share of the balance-sheet total rises from 48.7% to 54.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€49k▲
2024 · €40k
Cash flow
€37k▲
2024 · €32k
Current ratio
1.89▼
2024 · 2.30
Quick ratio
1.26▼
2024 · 2.00
Debt to equity
1.21▲
2024 · 0.95
ROE
19.6%▼
2024 · 22.7%
ROA
8.9%▼
2024 · 11.7%
Interest coverage
19.34▼
2024 · 27.69
Debt ≤ 1 year
€99k▲
2024 · €66k
Debt > 1 year
€51k▲
2024 · €28k
Income taxes
€10k▲
2024 · €8k
Staff costs
€48k▼
2024 · €68k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€194k€273k▲
Fixed assets21/28€42k€86k▲
Tangible fixed assets22/27€42k€86k▲
Plant, machinery and equipment23€1k€15k▲
Furniture and vehicles24€40k€71k▲
Current assets29/58€152k€187k▲
Stocks and contracts in progress3€20k€63k▲
Stocks30/36€20k€63k▲
Amounts receivable within one year40/41€125k€49k▼
Trade receivables40€121k€15k▼
Other amounts receivable41€4k€33k▲
Cash at bank and in hand54/58€3k€70k▲
Deferred charges and accrued income490/1€5k€6k▲
Equity and liabilities
Total equity and liabilities10/49€194k€273k▲
Equity10/15€99k€124k▲
Contributions10/11€6k€6k=
Reserves13€93k€117k▲
Distributable reserves133€93k€117k▲
Amounts payable17/49€94k€149k▲
Amounts payable after more than one year17€28k€51k▲
Financial debts170/4€28k€51k▲
Amounts payable within one year42/48€66k€99k▲
Current portion of amounts payable after more than one year42€7k€15k▲
Trade debts44€38k€64k▲
Suppliers440/4€38k€64k▲
Taxes, remuneration and social security45€5k€5k▼
Taxes450/3€3k€1k▼
Remuneration and social security454/9€3k€4k▲
Other amounts payable47/48€15k€15k▼
Income statement
Code20242025
Remuneration, social security and pensions62€68k€48k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€13k▲
Other operating charges640/8€993€1k▲
Gross operating margin9900€109k€98k▼
Operating profit (loss)9901€31k€37k▲
Financial income75/76B€928€601▼
Recurring financial income75€928€601▼
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€31k€35k▲
Income taxes67/77€8k€10k▲
Profit (loss) for the period9904€23k€24k▲
Profit (loss) for the period to be appropriated9905€23k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€23k€24k▲
Transfer to equity691/2€23k€24k▲
To other reserves6921€23k€24k▲
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
21-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €24k ▲7.4%
Operating result €37k, net result €24k, both a record.
30-09
Financial
Equity above €100kEq €124k ▲24.4%
6 profitable years in a row build equity to €124k.
01-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
05-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 5 days late
2020
30-09
Financial
Back to profitnet €832
Net result €832 after one loss-making year.
27-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
30-09
Financial
Weakest financial yearnet €-100 ▼103%
Net result drops to €-100, the lowest in the series; recovery starts the following year.
17-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 17 days late
2018
11-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
21-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Theux · 1 establishment unit since 2010
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 Petit-Jonckeu 454910 Theux1 establishment unit
RETRAMEX SPRL
since 20102.192.415.279
Recognitions · licences · registrations
Recognised contractor
20 categoriesRETRAMEX SRL41259
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CMD Home
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VANCOU HOUSES
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Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 12,931 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-10-2010
Fiscal year end30-09
Activities, NACEBEL 2025
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filings
Scores and ratios are computed by Checked and are not a credit decision.