RM & CO
ActiveThe computed 12-month bankruptcy probability of RM & CO is 5.7% (elevated). For RM & CO, at least two filing cycles of the annual accounts are missing. The 2022 annual accounts show negative equity (€-8k) and a net result of €-5k. Equity is shrinking by ~156.6% per year across the filed fiscal years. Its solvency ranks better than 15% of 23184 sector peers (fiscal year 2022). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
No current score
Figures too old
The available figures for FY 2022 are too old to assess current financial health.
Bankruptcy probability: Elevated
Filing: At least two filing cycles are missing
Axes, FY 2022 · tick = 2021
Profitability1=
Solvency2▼-16
Growth58=
Track record100
Bankruptcy probability, 12 months
5.7%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 2022Solvency, return and age of the figures
Solvency
-23.2%
Return on assets
-14.4%
Age of the figures
45 mo
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 · Two or more financial years not filed
Since the financial year that closed on 31-12-2023, 3 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 3 filingsPosition against the passed deadline
31-12-2023 close31-07-2024 deadline23-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 13-10-2023, 74 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
not confirmed
2024
not filed
2023
not filed
2022
74 d late
2021
47 d late
2020
47 d late
← before the deadline
after the deadline →
Financials · fiscal year 2022, micro schema
Equity
€-8k▼ 165%
2021 · €-3k
2020: €4k
2021: €-3k
2020 → 2022
Total assets
€36k▼ 25.0%
2021 · €49k
2020: €42k
2021: €49k
2020 → 2022
Net result
€-5k▲ 26.6%
2021 · €-7k
2020: €-12k
2021: €-7k
2020 → 2022
Working capital
€-8k▼ 165%
2021 · €-3k
2020: €4k
2021: €-3k
2020 → 2022
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202020212022Trend
Equity€4k-€-3k€-8k▼ 165%
Operating result€-12k-€-7k▲ 39.4%€-5k▲ 29.9%
Net result€-12k-€-7k▲ 40.6%€-5k▲ 26.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2022 against €7k in 2021; the loss shrinks.
Key figures and ratios
Solvency
-23.2%▼
2021 · -6.6%
Current ratio
0.81▼
2021 · 0.94
Quick ratio
0.10▼
2021 · 0.25
Debt / equity
-5.31▲
2021 · -16.21
ROA
-14.4%▲
2021 · -14.7%
Debt
€45k▼
2021 · €52k
Debt ≤ 1 year
€45k▼
2021 · €52k
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 · 2022 against 2021
Balance sheet
Code20212022
Assets
Total assets20/58€49k€36k▼
Current assets29/58€49k€36k▼
Stocks and contracts in progress3€36k€32k▼
Stocks30/36€36k€32k▼
Amounts receivable within one year40/41€12k€903▼
Trade receivables40€10k€903▼
Other amounts receivable41€2k-
Cash at bank and in hand54/58€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€49k€36k▼
Equity10/15€-3k€-8k▼
Contributions10/11€16k€16k=
Profit (loss) carried forward14€-19k€-24k▼
Amounts payable17/49€52k€45k▼
Amounts payable within one year42/48€52k€45k▼
Trade debts44€6k€376▼
Suppliers440/4€6k€376▼
Taxes, remuneration and social security45€606€104▼
Taxes450/3€606€104▼
Other amounts payable47/48€45k€44k▼
Income statement
Code20212022
Gross operating margin9900€-7k€-5k▲
Operating profit (loss)9901€-7k€-5k▲
Financial charges65/66B€119€320▲
Recurring financial charges65€119€320▲
Profit (loss) for the period before taxes9903€-7k€-5k▲
Profit (loss) for the period9904€-7k€-5k▲
Profit (loss) for the period to be appropriated9905€-7k€-5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-19k€-24k▼
Profit (loss) brought forward from the previous period14P€-12k€-19k▼
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2023
13-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 74 days late
2022
16-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 47 days late
2021
16-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 47 days late
NBB filing
Directors · office · real estate
Directors
2 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, Meise · 1 establishment unit since 2020
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.
Kartuizerslaan 181860 MeiseGround area
134 m²
Building footprint
134 m²
Volume, LiDAR
999 m³
Parcel 23050F0134/00S000, Flanders · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
RM & CO
since 20202.305.738.597
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23050F0134/00S000 | Flanders | 134 m² | 1 · 134 m² | 10.9 m · 3 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 12,958 companies in sector 47120 we hold annual accounts for 2,190. 908 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-07-2020
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
46190Agents in non-specialised wholesale trade
46424Wholesale trade
47714Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:khadija.amj@hotmail.com
E-mail:nouratab@hotmail.com