RM AUTO
ActiveThe computed 12-month bankruptcy probability of RM AUTO is 2.8% (moderate). The 2025 annual accounts show negative equity (€-7k) and a net result of €-26k. Equity is shrinking by ~86.8% per year across the filed fiscal years. Its solvency ranks better than 20% of 1433 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
7
/ 100
Critical▼ -64 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency43▲+21
Growth32▼-46
Stability94
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.94 against 1.13 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
-6.2%
Return on assets
-22.7%
Age of the figures
8 mo
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year -€7k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 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 · 3 filingsDeviation from the deadline
2025
18 d late
2024
26 d early
2023
19 d early
← 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
04-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-7k
2024 · €19k
2023: €10k
2024: €19k
2023 → 2025
Total assets
€117k▼ 23.6%
2024 · €153k
2023: €107k
2024: €153k
2023 → 2025
Net result
€-26k
2024 · €20k
2023: €7k
2024: €20k
2023 → 2025
Working capital
€-8k
2024 · €18k
2023: €7k
2024: €18k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€10k-€19k▲ 97.4%€-7k
Operating result€10k-€22k▲ 128%€-27k
Net result€7k-€20k▲ 168%€-26k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €27k after €22k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €117k
Fixed assets
€532▼ 68.6%
Current assets
€116k▼ 23.1%
Key figures and ratios
EBITDA
€-26k▼
2024 · €23k
Cash flow
€-25k▼
2024 · €21k
Solvency
-6.2%▼
2024 · 12.6%
Current ratio
0.94▼
2024 · 1.13
Quick ratio
0.53▼
2024 · 0.66
Debt / equity
-17.22▼
2024 · 6.92
ROE
368.3%▲
2024 · 101.2%
ROA
-22.7%▼
2024 · 12.8%
Interest coverage
-622.29▼
2024 · 204.84
Debt
€124k▼
2024 · €133k
Debt ≤ 1 year
€124k▼
2024 · €133k
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
Total assets
20/58€153k€117k▼
Fixed assets
21/28€2k€532▼
Tangible fixed assets
22/27€2k€532▼
Current assets
29/58€151k€116k▼
Stocks & contracts in progress
3€62k€51k▼
Amounts receivable within one year
40/41€1k€9k▲
Cash & bank
54/58€55k€17k▼
Total equity & liabilities
10/49€153k€117k▼
Equity
10/15€19k€-7k▼
Contributions / capital
10/11€3k€3k=
Accumulated profits (losses)
14€17k€-10k▼
Amounts payable
17/49€133k€124k▼
Amounts payable within one year
42/48€133k€124k▼
Trade debts payable within one year
44€5k€2k▼
Income statement
Code20242025
Gross operating margin
9900€25k€-23k▼
Operating result
9901€22k€-27k▼
Financial income
75-€308
Financial charges
65€113€41▼
Result before taxes
9903€22k€-26k▼
Income taxes
67/77€2k-
Net result for the period
9904€20k€-26k▼
Result to be appropriated
9905€20k€-26k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
17-04
State Gazette act
Open capture
Act object · Board meeting · Seat change · Approval
2025
31-12
Financial
Weakest financial yearnet €-26k ▼236%
Net result drops to €-26k, the lowest in the series.
05-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €20k ▲168%
Operating result €22k, net result €20k, both a record.
22-10
State Gazette act
Director changes
v3.2
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
25-03
State Gazette act
Director changes
v3.2
2023
05-01
State Gazette act
Director changes
v3.2
2022
13-06
State Gazette act
Director changes
v3.2
19-05
State Gazette act
Incorporation
oprichting
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
6 of 6 acts read
Directors · office · real estate
Directors
3 directors, no change since 2024
Mnatsakanyan Rafik
CurrentDirector · since 01-07-2024
Mnatsakanyan Romik
CurrentDirector · since 01-07-2023
01-07-2024
Mnatsakanyan Rafik: Appointed as Director
01-07-2023
Mnatsakanyan Rafik: Resigned as Manager
01-07-2023
Mnatsakanyan Romik: Appointed as Director
23-12-2022
Katvalyan Artush: Resigned as Manager
30-05-2022
Katvalyan Artush: Appointed as Director
Location & real-estate footprint
Registered office, Haacht · 1 establishment unit since 2022
Ground area
7,691 m²
Building footprint
982 m²
Volume, LiDAR
1,586 m³
2 parcels, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RM AUTO
since 20222.331.783.493
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24108B0040/00N002 | Flanders | 4,657 m² | 1 · 300 m² | 7.4 m · 2 fl. |
| 23094D0009/00C000 | Flanders | 3,034 m² | 1 · 682 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
Eco-Cars Center
BE 0506.837.371
Houthalen-Helchteren · Eq €19k
AS Antoine
BE 0781.936.893
Aalst · Eq €19k
Unit-M
BE 0749.504.944
Kalmthout · Eq €19k
AZD COMPANY
BE 0732.902.997
Anderlecht · Eq €19k
Meilleur Acheteur Voiture
BE 0788.650.283
Dilbeek · Eq €19k
Of 10,685 companies in sector 47811 we hold annual accounts for 4,935. 2,415 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-05-2022
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46711Wholesale of cars and light vans (up to 3.5 tonnes)
45112
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
45204
46180Agents specialised in the wholesale of other particular products
95314Bodywork repair (including spraying and painting)
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 6 actsNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-07-2026. Scores and ratios are computed by Checked and are not a credit decision.