Rima
ActiveSummary
Rima has been active since 1969 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €120,950 and a net result of -€69,961. Equity is shrinking by ~11.8% per year across the filed fiscal years. Its solvency ranks better than 40% of 8160 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-9
Solvency60▼-12
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity tight (current ratio 1.05 against 1.23 in 2024; short-term debt: 65.3% and cash: 4.7% of total assets), and 65.3% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
34.7%
Return on assets
-20.1%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€69,961
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 19-07-2026, 12 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
12 d early
2024
46 d early
2023
52 d early
2022
82 d early
2021
56 d early
2020
42 d early
2019
43 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 48 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€120,950▼ 36.6%
2024 · €190,910
Total assets
€348,447▼ 14.5%
2024 · €407,410
Net result
-€69,961▼ 124%
2024 · -€31,266
Working capital
€10,491▼ 79.4%
2024 · €50,836
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€5,949▲ 87.2%-€64,915▼ 991%-€28,155▲ 56.6%-€37,481▼ 33.1%-€76,026▼ 103%
Net result-€798below the sector's middle half▲ 98.0%-€57,980below the sector's middle half▼ 7,164%-€21,114below the sector's middle half▲ 63.6%-€31,266below the sector's middle half▼ 48.1%-€69,961below the sector's middle half▼ 124%
Equity€301,269within the sector's middle half▼ 0.3%€243,290within the sector's middle half▼ 19.2%€222,176within the sector's middle half▼ 8.7%€190,910within the sector's middle half▼ 14.1%€120,950within the sector's middle half▼ 36.6%
Total assets€503,042below the sector's middle half▼ 0.2%€459,739below the sector's middle half▼ 8.6%€435,858below the sector's middle half▼ 5.2%€407,410below the sector's middle half▼ 6.5%€348,447below the sector's middle half▼ 14.5%
Debt€201,772▼ 0.2%€216,449▲ 7.3%€213,682▼ 1.3%€216,499▲ 1.3%€227,497▲ 5.1%
Working capital€108,994within the sector's middle half▲ 29.7%€76,433within the sector's middle half▼ 29.9%€51,504below the sector's middle half▼ 32.6%€50,836below the sector's middle half▼ 1.3%€10,491below the sector's middle half▼ 79.4%
Solvency59.9%within the sector's middle half=52.9%within the sector's middle half▼ 7.0pp51.0%within the sector's middle half▼ 1.9pp46.9%within the sector's middle half▼ 4.1pp34.7%within the sector's middle half▼ 12.1pp
Current ratio1.54within the sector's middle half▲ 0.121.35within the sector's middle half▼ 0.191.24within the sector's middle half▼ 0.111.23within the sector's middle half▼ 0.011.05below the sector's middle half▼ 0.19
Return on assets (ROA)-0.2%below the sector's middle half▲ 7.8pp-12.6%below the sector's middle half▼ 12.5pp-4.8%below the sector's middle half▲ 7.8pp-7.7%below the sector's middle half▼ 2.8pp-20.1%below the sector's middle half▼ 12.4pp
Staff (FTE)2.1within the sector's middle half▼ 8.7%2within the sector's middle half▼ 4.8%1.9within the sector's middle half▼ 5.0%1.6within the sector's middle half▼ 15.8%2within the sector's middle half▲ 25.0%
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €76,026 in 2025 against €37,481 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €348,447
Fixed assets
€110,459 ▼ 21.1%
Current assets
€237,988 ▼ 11.0%
Equity and liabilities €348,447
Equity
€120,950 ▼ 36.6%
Debt
€227,497 ▲ 5.1%
Debt's share of the balance-sheet total rises from 53.1% to 65.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€45,304▼
2024 · -€6,882
Cash flow
-€39,239▼
2024 · -€667
Quick ratio
0.07▼
2024 · 0.14
Debt to equity
1.88▲
2024 · 1.13
ROE
-57.8%▼
2024 · -16.4%
Interest coverage
-442.38▼
2024 · -67.96
Debt ≤ 1 year
€227,497▲
2024 · €216,499
Income taxes
€100▼
2024 · €235
Staff costs
€72,641▼
2024 · €73,944
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,836 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.5%
went bankrupt
13%
stopped otherwise
84%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 5,836 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €61,921 | €78,047 | €76,360 | €73,944 | €72,641 | ▼ 1.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €26,376 | €25,419 | €25,645 | €30,598 | €30,721 | ▲ 0.4% |
| Other operating charges640/8 | €570 | €572 | €2,030 | €498 | €807 | ▲ 62.0% |
| Gross operating margin9900 | €82,918 | €39,123 | €75,880 | €67,560 | €28,144 | ▼ 58.3% |
| Operating profit (loss)9901 | -€5,949 | -€64,915 | -€28,155 | -€37,481 | -€76,026 | ▼ 103% |
| Financial income75/76B | €5,258 | €7,318 | €7,187 | €6,552 | €6,268 | ▼ 4.3% |
| Recurring financial income75 | €5,258 | €7,318 | €7,187 | €6,552 | €6,268 | ▼ 4.3% |
| Financial charges65/66B | €108 | €73 | €88 | €101 | €102 | ▲ 1.1% |
| Recurring financial charges65 | €108 | €73 | €88 | €101 | €102 | ▲ 1.1% |
| Profit (loss) for the period before taxes9903 | -€798 | -€57,669 | -€21,057 | -€31,030 | -€69,861 | ▼ 125% |
| Income taxes67/77 | - | €310 | €57 | €235 | €100 | ▼ 57.6% |
| Profit (loss) for the period9904 | -€798 | -€57,980 | -€21,114 | -€31,266 | -€69,961 | ▼ 124% |
| Profit (loss) for the period to be appropriated9905 | -€798 | -€57,980 | -€21,114 | -€31,266 | -€69,961 | ▼ 124% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €503,042 | €459,739 | €435,858 | €407,410 | €348,447 | ▼ 14.5% |
| Fixed assets21/28 | €192,276 | €166,856 | €170,672 | €140,074 | €110,459 | ▼ 21.1% |
| Tangible fixed assets22/27 | €107,276 | €81,856 | €85,672 | €55,074 | €25,459 | ▼ 53.8% |
| Plant, machinery and equipment23 | €106,187 | €81,701 | €57,215 | €32,730 | €8,244 | ▼ 74.8% |
| Furniture and vehicles24 | €1,089 | €155 | €28,457 | €22,344 | €17,215 | ▼ 23.0% |
| Financial fixed assets28 | €85,000 | €85,000 | €85,000 | €85,000 | €85,000 | = |
| Current assets29/58 | €310,766 | €292,882 | €265,186 | €267,336 | €237,988 | ▼ 11.0% |
| Stocks and contracts in progress3 | €238,161 | €237,852 | €245,014 | €237,810 | €221,405 | ▼ 6.9% |
| Stocks30/36 | €238,161 | €237,852 | €245,014 | €237,810 | €221,405 | ▼ 6.9% |
| Amounts receivable within one year40/41 | €4,968 | €4,682 | €3,953 | €1,882 | €307 | ▼ 83.7% |
| Trade receivables40 | €4,849 | €4,682 | €3,709 | €1,529 | €30 | ▼ 98.0% |
| Other amounts receivable41 | €119 | - | €244 | €353 | €277 | ▼ 21.6% |
| Cash at bank and in hand54/58 | €67,637 | €48,924 | €16,219 | €27,643 | €16,275 | ▼ 41.1% |
| Deferred charges and accrued income490/1 | - | €1,424 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €503,042 | €459,739 | €435,858 | €407,410 | €348,447 | ▼ 14.5% |
| Equity10/15 | €301,269 | €243,290 | €222,176 | €190,910 | €120,950 | ▼ 36.6% |
| Contributions10/11 | €115,000 | €115,000 | €115,000 | €115,000 | €115,000 | = |
| Capital10 | €115,000 | €115,000 | €115,000 | €115,000 | €115,000 | = |
| Issued capital100 | €115,000 | €115,000 | €115,000 | €115,000 | €115,000 | = |
| Reserves13 | €767,038 | €767,038 | €767,038 | €767,038 | €767,038 | = |
| Non-distributable reserves130/1 | €14,874 | €14,874 | €14,874 | €14,874 | €14,874 | = |
| Legal reserve130 | €14,874 | €14,874 | €14,874 | €14,874 | €14,874 | = |
| Tax-exempt reserves132 | €9,916 | €9,916 | €9,916 | €9,916 | €9,916 | = |
| Distributable reserves133 | €742,249 | €742,249 | €742,249 | €742,249 | €742,249 | = |
| Profit (loss) carried forward14 | -€580,769 | -€638,749 | -€659,863 | -€691,128 | -€761,089 | ▼ 10.1% |
| Amounts payable17/49 | €201,772 | €216,449 | €213,682 | €216,499 | €227,497 | ▲ 5.1% |
| Amounts payable within one year42/48 | €201,772 | €216,449 | €213,682 | €216,499 | €227,497 | ▲ 5.1% |
| Trade debts44 | €2,411 | €9,446 | €5,865 | €9,513 | €26,670 | ▲ 180% |
| Suppliers440/4 | €2,411 | €9,446 | €5,865 | €9,513 | €26,670 | ▲ 180% |
| Taxes, remuneration and social security45 | €2,131 | €9,757 | €10,470 | €11,139 | €7,525 | ▼ 32.4% |
| Taxes450/3 | €2,131 | €9,757 | €10,470 | €11,139 | €7,525 | ▼ 32.4% |
| Other amounts payable47/48 | €197,230 | €197,246 | €197,347 | €195,847 | €193,302 | ▼ 1.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€798 | -€57,980 | -€21,114 | -€31,266 | -€69,961 | ▼ 124% |
| + Depreciation and write-downs630 | €26,376 | €25,419 | €25,645 | €30,598 | €30,721 | ▲ 0.4% |
| Operating cash flow (approximation) | €25,578 | -€32,561 | €4,531 | -€667 | -€39,239 | ▼ 5,780% |
| Investment in fixed assets (approximation) | - | €0 | -€29,461 | €0 | -€1,107 | - |
| Change in cash | - | -€18,713 | -€32,705 | €11,424 | -€11,368 | ▼ 200% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
19-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet -€69,961
Net result drops to -€69,961, the lowest in the series.
15-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
09-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
10-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
05-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
19-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
18-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
02-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
16-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Roeselare · 1 establishment unit since 1969
Ground area
573 m²
Building footprint
520 m²
Volume, LiDAR
2,880 m³
Parcel 36504D1287/00E000, Flanders · tallest building 14.5 m, ±1 floor. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Noordstraat 31, 8800 Roeselare
since 19692.003.133.637
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36504D1287/00E000 | Flanders | 573 m² | 1 · 520 m² | 14.4 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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GARZINI
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Of 118 companies in sector 46498 we hold annual accounts for 74. 53 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded01-07-1969
Fiscal year end31-12
Activities, NACEBEL 2025
46498Wholesale trade
47722Retail trade
47512Retail sale of household textiles and bedding
E-invoicing
Reachable via Peppol
Peppol ID
0208:0406849276
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.