RM CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of RM CONSTRUCT is 4.0% (moderate). The 2025 annual accounts show equity of €29k and a net result of €19k. Its solvency ranks better than 51% of 2138 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
89
/ 100
Excellent▲ +4 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency67▼-33
Growth78
Stability82
Bankruptcy probability, 12 months
4.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.35 against 3.35 in 2024), and 61.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
38.3%
Return on assets
24.2%
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 · 2 filingsDeviation from the deadline
2025
31 d late
2024
35 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€29k▲ 172%
2024 · €11k
2024: €11k
2024 → 2025
Total assets
€77k▲ 399%
2024 · €15k
2024: €15k
2024 → 2025
Net result
€19k▲ 138%
2024 · €8k
2024: €8k
2024 → 2025
Working capital
€17k▲ 54.2%
2024 · €11k
2024: €11k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€11k-€29k▲ 172%
Operating result€10k-€24k▲ 144%
Net result€8k-€19k▲ 138%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 144% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €77k
Fixed assets
€13k
Current assets
€64k
Equity and liabilities €77k
Equity
€29k▲ 172%
Debt
€47k▲ 930%
The debt ratio rises from 29.9% to 61.7%: debt grows faster than equity.
Key figures and ratios
EBITDA
€26k
Cash flow
€21k
Solvency
38.3%▼
2024 · 70.1%
Current ratio
1.35▼
2024 · 3.35
Quick ratio
1.35▼
2024 · 3.35
Debt / equity
1.61▲
2024 · 0.43
ROE
63.2%▼
2024 · 72.1%
ROA
24.2%▼
2024 · 50.6%
Interest coverage
58.60
Debt
€47k▲
2024 · €5k
Debt ≤ 1 year
€47k▲
2024 · €5k
Income taxes
€5k▲
2024 · €2k
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€15k€77k▲
Fixed assets21/28-€13k
Tangible fixed assets22/27-€13k
Furniture and vehicles24-€13k
Current assets29/58€15k€64k▲
Amounts receivable within one year40/41€2k€48k▲
Trade receivables40€2k€35k▲
Other amounts receivable41-€13k
Cash at bank and in hand54/58€14k€14k=
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€15k€77k▲
Equity10/15€11k€29k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€8k€26k▲
Amounts payable17/49€5k€47k▲
Amounts payable within one year42/48€5k€47k▲
Trade debts44€2k€35k▲
Suppliers440/4€2k€35k▲
Advances received on contracts in progress46-€3k
Taxes, remuneration and social security45€3k€10k▲
Taxes450/3€3k€10k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€2k
Other operating charges640/8-€44
Gross operating margin9900€10k€26k▲
Operating profit (loss)9901€10k€24k▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B-€438
Recurring financial charges65-€438
Profit (loss) for the period before taxes9903€10k€23k▲
Income taxes67/77€2k€5k▲
Profit (loss) for the period9904€8k€19k▲
Profit (loss) for the period to be appropriated9905€8k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€26k▲
Profit (loss) brought forward from the previous period14P-€8k
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 · abbreviated schema · 31 days late
2025
04-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 35 days late
NBB filing
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, Koekelberg · 1 establishment unit since 2024
Ground area
284 m²
Building footprint
178 m²
Volume, LiDAR
1,761 m³
Parcel 21492B0371/00H003, Brussels · tallest building 17.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RM CONSTRUCT
since 20242.364.417.461
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21492B0371/00H003 | Brussels | 284 m² | 1 · 178 m² | 17.9 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.
Similar companies · same sector, comparable size
WABOY
BE 0472.097.020
Sint-Niklaas · Eq €29k
SCHUYTEN CONSTRUCTION
BE 1000.501.550
Grâce-Hollogne · Eq €29k
DDB BUILDING
BE 1005.787.753
Grimbergen · Eq €29k
BOUWWERKEN JURGEN VAN IMPE
BE 0643.663.492
Erpe-Mere · Eq €29k
PICOLUX TRAVAUX
BE 0567.841.562
Meix-devant-Virton · Eq €29k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,863. 12,249 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-08-2024
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43130Specialised construction activities
43230Insulation installation
43291Specialised construction activities
43341Painting of buildings
43992Specialised construction activities
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.