REYMAC · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of REYMAC is 2.8% (moderate). The 2025 annual accounts show negative equity (€-45k) and a net result of €-13k. Equity is shrinking by ~75.5% per year across the filed fiscal years. Its solvency ranks better than 14% of 1431 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

2.8% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Annual accounts: weaker financial profile +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

1 signal · with evidence

Negative equity

Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).

View the annual accounts

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Filed after the deadline

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-05-2026, 31 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.

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.

How we compute the deadline

The year end is derived from 4 filed financial years, each closing on 30-09. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-09-2025, that is 30-04-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-09-2025	30-04-2026	31-05-2026	31 d late	2026-00143860
30-09-2024	30-04-2025	31-12-2024	120 d early	2025-00001460
30-09-2023	30-04-2024	31-12-2023	121 d early	2024-00541984
30-09-2022	30-04-2023	31-05-2023	31 d late	2023-00103091

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€-13k+75.7%

Working capital€55k+137.9%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 31-05-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining Gross margin: declining trend of ~61.9%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	-30.9%	23.6%	better than 14% of 1431 sector peers
Net result	€-13k	€7k	better than 14% of 1428 sector peers
Equity	€-45k	€25k	better than 8% of 1433 sector peers
Gross operating margin	€-7k	€34k	better than 8% of 1425 sector peers
Staff costs	€62	€42k	higher than 5% of 604 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P14

Weakening position over 2022-2025 · n=1431-6720

Net result P14

Weakening position over 2022-2025 · n=1428-6701

Equity P8

Weakening position over 2022-2025 · n=1433-6735

Gross operating margin P8

Weakening position over 2022-2025 · n=1425-6680

Describes the position versus peers, not a forecast.

EBITDA

€-8k

+84.7% 22-25

Net profit

€-13k

+75.7% 22-25

Cash flow

€-13k

+76.2% 22-25

Total assets

€145k

+17.5% 22-25

Equity

€-45k

-42.9% 22-25

Working capital

€55k

+137.9% 22-25

Staff costs

€62

- 22-25

Income taxes

€-208

- 22-25

Show 10 other metrics

Debt

€190k

+22.6% 22-25

Debt ≤ 1y

€85k

-10.4% 22-25

Debt > 1y

€105k

+75.0% 22-25

Current ratio

1.65

+32.3% 22-25

Quick ratio

1.62

+186.9% 22-25

Solvency

-30.9%

-21.6% 22-25

Debt / equity

-4.24

+14.2% 22-25

ROE

30.0%

-83.0% 22-25

ROA

-9.3%

+79.3% 22-25

Interest coverage

-0.75

+92.4% 22-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€-8k
Net profit	€-13k
Cash flow	€-13k
Staff costs	€62
Income taxes	-
Dividends	-
Total assets	€145k
Equity	€-45k
Debt	€190k
of which ≤ 1y	€85k
of which > 1y	€105k
Working capital	€55k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	1.65
Quick ratio	1.62
Working capital ratio	37.8%
Solvency	-30.9%
Debt / equity	-4.24
Long-term debt ratio	-2.34
Interest coverage	-0.75
Gross margin	-
Net margin	-
ROA	-9.3%
ROE	30.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €5k · 3.5% Current assets €140k · 96.5%

Full annual accounts (24 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€145k
Fixed assets	21/28	€5k
Tangible fixed assets	22/27	€3
Financial fixed assets	28	€5k
Current assets	29/58	€140k
Stocks & contracts in progress	3	€2k
Amounts receivable within one year	40/41	€137k
Cash & bank	54/58	€811
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€145k
Equity	10/15	€-45k
Contributions / capital	10/11	€3k
Reserves	13	€21k
Accumulated profits (losses)	14	€-69k
Amounts payable	17/49	€190k
Amounts payable after one year	17	€105k
Amounts payable within one year	42/48	€85k
Trade debts payable within one year	44	€18k
Income statement
Gross operating margin	9900	€-7k
Operating result	9901	€-8k
Financial income	75	€6k
Financial charges	65	€11k
Result before taxes	9903	€-13k
Net result for the period	9904	€-13k
Result to be appropriated	9905	€-13k

This table shows the latest fiscal year. 3 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

45 / 100 Fair

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Beverlosesteenweg 3423583 Beringen

Establishment units

1 location

REYMAC

Beverlosesteenweg 342, 3583 BeringenUitvoeren van horizontale boringen voor het leggen van kabels en kanalisaties

since 20212.328.624.362

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area3,222 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
71049B0098/00_000	Flanders	3,221 m²	-	-

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Financial profile

5 of 5 axes measured

66 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 45

Profitability 100

Solvency 59

Growth 32

Stability 94

Credit advice

verdict per customer and amount

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We hold annual accounts for 714 of the 13,144 companies in this sector. 538 of them are within a factor 10 of this company's equity.

See full sector →

Company registry

Company registry (CBE)

Crossroads Bank

Activities

Overige niet-gespecialiseerde detailhandel47120Detailhandel via postorderbedrijven of via internet47910Overige werkzaamheden in verband met de afwerking van gebouwen43350Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)47811

Primary activity highlighted.

Names & trade names

Legal nameNL

REYMAC

Registered office

Beverlosesteenweg 342 bus B

3583 Beringen, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.