Rinam
ActiveThe computed 12-month bankruptcy probability of Rinam is 2.6% (moderate). The 2025 annual accounts show equity of €26k and a net result of €1k. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 78% of 4454 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
94
/ 100
Excellent▲ +42 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability24▲+24
Solvency100▲+1
Growth52▲+20
Stability100
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.62 against 2.25 in 2024), and 30.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
69.1%
Return on assets
3.3%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 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.
NBB · 6 filingsDeviation from the deadline
2025
31 d late
2024
35 d early
2023
6 d early
2022
29 d late
2021
19 d late
2020
30 d late
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€26k▲ 5.1%
2024 · €25k
2020: €25k
2021: €36k
2022: €36k
2023: €40k
2024: €25k
2020 → 2025
Total assets
€38k▼ 6.1%
2024 · €41k
2020: €148k
2021: €135k
2022: €117k
2023: €53k
2024: €41k
2020 → 2025
Net result
€1k
2024 · €-14k
2020: €30k
2021: €11k
2022: €184
2023: €-7k
2024: €-14k
2020 → 2025
Working capital
€19k▼ 1.8%
2024 · €19k
2020: €-27k
2021: €-14k
2022: €-19k
2023: €20k
2024: €19k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€36k-€36k▲ 0.5%€40k▲ 8.9%€25k▼ 36.5%€26k▲ 5.1%
Operating result€13k-€1k▼ 90.3%€-6k€-14k▼ 146%€3k
Net result€11k-€184▼ 98.3%€-7k€-14k▼ 113%€1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €3k after a loss of €14k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €38k
Fixed assets
€7k▲ 28.2%
Current assets
€31k▼ 11.8%
Equity and liabilities €38k
Equity
€26k▲ 5.1%
Debt
€12k▼ 24.2%
The debt ratio falls from 38.2% to 30.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€5k▲
2024 · €-9k
Cash flow
€3k▲
2024 · €-10k
Solvency
69.1%▲
2024 · 61.8%
Current ratio
2.62▲
2024 · 2.25
Quick ratio
2.62▲
2024 · 2.25
Debt / equity
0.45▼
2024 · 0.62
ROE
4.8%▲
2024 · -57.5%
ROA
3.3%▲
2024 · -35.5%
Interest coverage
9.39▲
2024 · -11.16
Debt
€12k▼
2024 · €16k
Debt ≤ 1 year
€12k▼
2024 · €16k
Income taxes
€2k
Staff costs
€0
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€41k€38k▼
Fixed assets21/28€6k€7k▲
Tangible fixed assets22/27€6k€7k▲
Land and buildings22€3k-
Plant, machinery and equipment23-€5k
Furniture and vehicles24€3k€3k▼
Current assets29/58€35k€31k▼
Amounts receivable after more than one year29€8k€8k▼
Other amounts receivable291€8k€8k▼
Amounts receivable within one year40/41€22k€15k▼
Trade receivables40€21k€15k▼
Other amounts receivable41€2k€0▼
Cash at bank and in hand54/58€945€4k▲
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€41k€38k▼
Equity10/15€25k€26k▲
Contributions10/11€5k€5k=
Reserves13€20k€21k▲
Distributable reserves133€20k€21k▲
Amounts payable17/49€16k€12k▼
Amounts payable within one year42/48€16k€12k▼
Financial debts43-€3k
Credit institutions430/8-€3k
Trade debts44€15k€7k▼
Suppliers440/4€15k€7k▼
Taxes, remuneration and social security45€245€1k▲
Taxes450/3€245€1k▲
Other amounts payable47/48€100€0▼
Income statement
Code20242025
Remuneration, social security and pensions62-€0
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€1k▼
Other operating charges640/8€2k€3k▲
Non-recurring operating charges66A€3k€0▼
Gross operating margin9900€-5k€7k▲
Operating profit (loss)9901€-14k€3k▲
Financial income75/76B€83€253▲
Recurring financial income75€83€253▲
Financial charges65/66B€849€480▼
Recurring financial charges65€849€480▼
Profit (loss) for the period before taxes9903€-14k€3k▲
Income taxes67/77-€2k
Profit (loss) for the period9904€-14k€1k▲
Profit (loss) for the period to be appropriated9905€-14k€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-14k€1k▲
Transfer from equity791/2€14k€0▼
Transfer to equity691/2-€1k
To other reserves6921-€1k
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €1k
Net result €1k after 2 loss-making years.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity quadruplescurrent ratio 2.50
Current ratio from 0.64 to 2.50; short-term debt falls from €53k to €13k.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2024
MONSELS Demelsa Charnella
CurrentDirector · since 17-09-2024
17-09-2024
Appointed as Director
Location & real-estate footprint
Registered office, Mol · 1 establishment unit since 2019
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.
Duitslandlaan 192400 MolGround area
220 m²
Building footprint
57 m²
Volume, LiDAR
389 m³
Parcel 13435C1429/00D003, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Johan Janssens Transport
since 20192.296.275.060
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13435C1429/00D003 | Flanders | 220 m² | 1 · 57 m² | 8.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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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Of 12,446 companies in sector 49410 we hold annual accounts for 8,086. 5,252 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-12-2019
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.