RM architecte
ActiveSummary
RM architecte has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €335,189 and a net result of €99,018. Equity is growing by ~20.4% per year across the filed fiscal years. Its solvency ranks better than 87% of 9557 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability74▼-5
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30,000 at 30 days acceptable
Liquidity ample (current ratio 7.34 against 4.3 in 2024; short-term debt: 12.9% and cash: 56.9% of total assets), and 12.9% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
87.1%
Return on assets
25.7%
Age of the figures
9 mo
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
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 14-06-2026, 47 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
47 d early
2024
55 d early
2023
120 d early
2022
48 d early
2021
40 d early
2020
73 d early
2019
66 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 64 days before the deadline; the sector median for financial year 2024 is 8 days before the deadline, and 33% 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. Usually files around 13 June (4 of the last 5 filed years within 30 days of that day).
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, micro schema
Equity
€335,189▲ 41.4%
2024 · €237,004
Total assets
€384,887▲ 27.5%
2024 · €301,972
Net result
€99,018▲ 28.7%
2024 · €76,908
Working capital
€314,983▲ 47.1%
2024 · €214,134
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 71, Architectural and engineering activities; technical testing and analysis, 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€43,082▲ 237%€26,786▼ 37.8%€122,941▲ 359%€145,869▲ 18.6%€208,764▲ 43.1%
Net result€30,872within the sector's middle half▲ 179%€18,700within the sector's middle half▼ 39.4%€88,151above the sector's middle half▲ 371%€76,908above the sector's middle half▼ 12.8%€99,018above the sector's middle half▲ 28.7%
Equity€100,890within the sector's middle half▲ 9.6%€87,525within the sector's middle half▼ 13.2%€160,955above the sector's middle half▲ 83.9%€237,004above the sector's middle half▲ 47.2%€335,189above the sector's middle half▲ 41.4%
Total assets€145,545within the sector's middle half▲ 45.3%€140,191within the sector's middle half▼ 3.7%€208,632within the sector's middle half▲ 48.8%€301,972within the sector's middle half▲ 44.7%€384,887above the sector's middle half▲ 27.5%
Debt€44,655▲ 451%€52,666▲ 17.9%€47,677▼ 9.5%€64,968▲ 36.3%€49,697▼ 23.5%
Working capital€83,592within the sector's middle half▼ 6.4%€68,456within the sector's middle half▼ 18.1%€138,268above the sector's middle half▲ 102%€214,134above the sector's middle half▲ 54.9%€314,983above the sector's middle half▲ 47.1%
Solvency69.3%within the sector's middle half▼ 22.6pp62.4%within the sector's middle half▼ 6.9pp77.1%above the sector's middle half▲ 14.7pp78.5%above the sector's middle half▲ 1.3pp87.1%above the sector's middle half▲ 8.6pp
Current ratio2.87within the sector's middle half▼ 9.152.30within the sector's middle half▼ 0.573.90within the sector's middle half▲ 1.604.30above the sector's middle half▲ 0.407.34above the sector's middle half▲ 3.04
Return on assets (ROA)21.2%within the sector's middle half▲ 10.1pp13.3%within the sector's middle half▼ 7.9pp42.3%above the sector's middle half▲ 28.9pp25.5%above the sector's middle half▼ 16.8pp25.7%within the sector's middle half▲ 0.3pp
above
within
below
the middle half (P25 to P75) of NACE 71, Architectural and engineering activities; technical testing and analysis, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 43% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €384,887
Fixed assets
€20,207 ▼ 11.6%
Current assets
€364,680 ▲ 30.7%
Equity and liabilities €384,887
Equity
€335,189 ▲ 41.4%
Debt
€49,697 ▼ 23.5%
Debt's share of the balance-sheet total falls from 21.5% to 12.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€215,837▲
2024 · €153,083
Cash flow
€106,091▲
2024 · €84,122
Debt to equity
0.15▼
2024 · 0.27
ROE
29.5%▼
2024 · 32.5%
Interest coverage
2.89▼
2024 · 3.52
Debt ≤ 1 year
€49,697▼
2024 · €64,968
Income taxes
€39,576▲
2024 · €29,404
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,679 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.8%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% 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 34,679 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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,959 | €6,909 | €5,901 | €7,214 | €7,073 | ▼ 2.0% |
| Other operating charges640/8 | €1,194 | €792 | €1,778 | €1,064 | €692 | ▼ 34.9% |
| Gross operating margin9900 | €48,235 | €34,487 | €130,620 | €154,147 | €216,530 | ▲ 40.5% |
| Operating profit (loss)9901 | €43,082 | €26,786 | €122,941 | €145,869 | €208,764 | ▲ 43.1% |
| Financial income75/76B | €0 | €0 | €168 | €3,871 | €4,395 | ▲ 13.5% |
| Recurring financial income75 | €0 | €0 | €168 | €3,871 | €4,395 | ▲ 13.5% |
| Financial charges65/66B | €214 | €332 | €1,054 | €43,428 | €74,565 | ▲ 71.7% |
| Recurring financial charges65 | €214 | €332 | €1,054 | €43,428 | €74,565 | ▲ 71.7% |
| Profit (loss) for the period before taxes9903 | €42,867 | €26,453 | €122,055 | €106,312 | €138,594 | ▲ 30.4% |
| Income taxes67/77 | €11,995 | €7,754 | €33,905 | €29,404 | €39,576 | ▲ 34.6% |
| Profit (loss) for the period9904 | €30,872 | €18,700 | €88,151 | €76,908 | €99,018 | ▲ 28.7% |
| Profit (loss) for the period to be appropriated9905 | €30,872 | €18,700 | €88,151 | €76,908 | €99,018 | ▲ 28.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €145,545 | €140,191 | €208,632 | €301,972 | €384,887 | ▲ 27.5% |
| Fixed assets21/28 | €17,298 | €19,069 | €22,687 | €22,870 | €20,207 | ▼ 11.6% |
| Intangible fixed assets21 | €2,891 | €1,931 | €971 | €0 | - | - |
| Tangible fixed assets22/27 | €14,407 | €8,458 | €13,037 | €14,190 | €7,117 | ▼ 49.8% |
| Furniture and vehicles24 | €14,407 | €8,458 | €13,037 | €14,190 | €7,117 | ▼ 49.8% |
| Financial fixed assets28 | - | €8,680 | €8,680 | €8,680 | €13,090 | ▲ 50.8% |
| Current assets29/58 | €128,247 | €121,122 | €185,945 | €279,102 | €364,680 | ▲ 30.7% |
| Amounts receivable within one year40/41 | €0 | €12,406 | €23,537 | €41,184 | €54,964 | ▲ 33.5% |
| Trade receivables40 | €0 | €10,159 | €23,340 | €41,184 | €54,964 | ▲ 33.5% |
| Other amounts receivable41 | €0 | €2,246 | €197 | €0 | - | - |
| Current investments50/53 | €25,848 | €25,848 | €85,848 | €0 | €76,911 | - |
| Cash at bank and in hand54/58 | €98,493 | €78,139 | €70,401 | €226,352 | €219,027 | ▼ 3.2% |
| Deferred charges and accrued income490/1 | €3,906 | €4,730 | €6,159 | €11,567 | €13,778 | ▲ 19.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €145,545 | €140,191 | €208,632 | €301,972 | €384,887 | ▲ 27.5% |
| Equity10/15 | €100,890 | €87,525 | €160,955 | €237,004 | €335,189 | ▲ 41.4% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €77,884 | €65,319 | €139,582 | €216,490 | €315,509 | ▲ 45.7% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €0 | - | - | - |
| Distributable reserves133 | €76,024 | €63,459 | €139,582 | €216,490 | €315,509 | ▲ 45.7% |
| Profit (loss) carried forward14 | €10,606 | €9,806 | €8,973 | €8,114 | €7,281 | ▼ 10.3% |
| Amounts payable17/49 | €44,655 | €52,666 | €47,677 | €64,968 | €49,697 | ▼ 23.5% |
| Amounts payable within one year42/48 | €44,655 | €52,666 | €47,677 | €64,968 | €49,697 | ▼ 23.5% |
| Trade debts44 | €10,299 | €7,396 | €14,145 | €32,866 | €17,435 | ▼ 46.9% |
| Suppliers440/4 | €10,299 | €7,396 | €14,145 | €32,866 | €17,435 | ▼ 46.9% |
| Taxes, remuneration and social security45 | €12,247 | €13,056 | €17,923 | €30,431 | €30,714 | ▲ 0.9% |
| Taxes450/3 | €12,247 | €13,056 | €17,923 | €30,431 | €30,714 | ▲ 0.9% |
| Other amounts payable47/48 | €22,108 | €32,214 | €15,610 | €1,671 | €1,548 | ▼ 7.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €30,872 | €18,700 | €88,151 | €76,908 | €99,018 | ▲ 28.7% |
| + Depreciation and write-downs630 | €3,959 | €6,909 | €5,901 | €7,214 | €7,073 | ▼ 2.0% |
| Operating cash flow (approximation) | €34,831 | €25,609 | €94,052 | €84,122 | €106,091 | ▲ 26.1% |
| Investment in fixed assets (approximation) | - | -€8,680 | -€9,519 | -€7,396 | -€4,410 | ▲ 40.4% |
| Change in cash | - | -€20,355 | -€7,738 | €155,951 | -€7,325 | ▼ 105% |
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
14-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €99,018 ▲28.7%
Operating result €208,764, net result €99,018, both a record.
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200,000Eq €237,004 ▲47.2%
5 profitable years in a row build equity to €237,004.
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150,000Eq €160,955 ▲83.9%
4 profitable years in a row build equity to €160,955.
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100,000Eq €100,890 ▲9.6%
2 profitable years in a row build equity to €100,890.
19-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €11,085
Net result €11,085 after one loss-making year.
26-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
31-12
Financial
Weakest financial yearnet -€10,488
Net result drops to -€10,488, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 20.13
Current ratio from 5.27 to 20.13; short-term debt falls from €20,475 to €3,996.
24-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
01-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Namur · 1 establishment unit since 2009
Ground area
252 m²
Building footprint
99 m²
Volume, LiDAR
1,502 m³
Parcel 92094C0163/00N002, Wallonia · tallest building 19.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
RM architecte
since 20092.356.960.537
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92094C0163/00N002 | Wallonia | 252 m² | 1 · 99 m² | 19.5 m · 5 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900BHX6E60PW4R667
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Of 18,254 companies in sector 71111 we hold annual accounts for 6,321. 4,575 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded08-06-2009
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
Contact
Website
www.rmarchitecte.be
E-mail
info@rmarchitecte.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0812124283
Registered
20-11-2020
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.