RM consult
Open bankruptcyA bankruptcy procedure is open for RM consult according to publications in the Belgian State Gazette; curator: LAURENT SAMYN. The 2024 annual accounts show negative equity (€-342k) and a net result of €-25k.
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €-342k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-07-2025, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
2 d early
2023
153 d late
2022
11 d early
2021
86 d early
2020
241 d late
2019
24 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€21k▼ 23.0%
2020 · €27k
2020: €27k
2020 → 2021
EBIT margin
-21.5%▼ 38.9pp
2020 · 17.4%
2020: 17.4%
2020 → 2021
Net result
€-25k▲ 92.4%
2023 · €-328k
2018: €-175k
2019: €5k
2020: €2k
2021: €-5k
2022: €13k
2023: €-328k
2018 → 2024
Working capital
€81k
2023 · €-40k
2018: €-4k
2019: €251k
2020: €248k
2021: €253k
2022: €274k
2023: €-40k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€27k-€21k▼ 23.0%
Equity€3k-€-2k€11k€-317k€-342k▼ 7.8%
Operating result€5k-€-5k€13k€-32k€-25k▲ 20.6%
Net result€2k-€-5k€13k€-328k€-25k▲ 92.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €25k in 2024 against €32k in 2023; the loss shrinks.
Key figures and ratios
EBITDA
€-25k▼
2023 · €-19k
Cash flow
€-25k▲
2023 · €-315k
Solvency
-245.9%▲
2023 · -615.1%
Current ratio
2.40▲
2023 · 0.14
Quick ratio
2.40▲
2023 · 0.14
Debt / equity
-1.41▼
2023 · -1.16
ROA
-17.9%▲
2023 · -636.9%
Interest coverage
-26.58▼
2023 · -1.79
Debt
€481k▲
2023 · €369k
Debt ≤ 1 year
€58k▲
2023 · €46k
Debt > 1 year
€422k▲
2023 · €322k
Income taxes
€0▼
2023 · €69
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€52k€139k▲
Fixed assets21/28€45k€0▼
Tangible fixed assets22/27€45k€0▼
Furniture and vehicles24€45k€0▼
Current assets29/58€7k€139k▲
Amounts receivable within one year40/41€4k€138k▲
Trade receivables40-€41k
Other amounts receivable41€4k€97k▲
Cash at bank and in hand54/58€24€0▼
Deferred charges and accrued income490/1€2k€678▼
Equity and liabilities
Total equity and liabilities10/49€52k€139k▲
Equity10/15€-317k€-342k▼
Contributions10/11€12k€12k=
Reserves13€39k€39k=
Tax-exempt reserves132€37k€37k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-368k€-393k▼
Amounts payable17/49€369k€481k▲
Amounts payable after more than one year17€322k€422k▲
Financial debts170/4€322k€422k▲
Amounts payable within one year42/48€46k€58k▲
Financial debts43€5k€5k▲
Credit institutions430/8€5k€5k▲
Trade debts44€17k€5k▼
Suppliers440/4€17k€5k▼
Advances received on contracts in progress46-€9k
Taxes, remuneration and social security45€7k€5k▼
Taxes450/3€7k€5k▼
Other amounts payable47/48€17k€34k▲
Accrued charges and deferred income492/3-€500
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€0▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€2k€3k▲
Other operating charges640/8€557€22k▲
Non-recurring operating charges66A-€0
Gross operating margin9900€-16k€-224▲
Operating profit (loss)9901€-32k€-25k▲
Financial income75/76B€13k€1k▼
Recurring financial income75€13k€1k▼
Financial charges65/66B€310k€945▼
Recurring financial charges65€10k€945▼
Non-recurring financial charges66B€299k-
Profit (loss) for the period before taxes9903€-328k€-25k▲
Income taxes67/77€69€0▼
Profit (loss) for the period9904€-328k€-25k▲
Profit (loss) for the period to be appropriated9905€-328k€-25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-368k€-393k▼
Profit (loss) brought forward from the previous period14P€-40k€-368k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
16-02
Bankruptcy
Opening
Ondernemingsrechtbank Gent, afdeling Brugge · RM CONSULT BV PREDIKHE- RENREI 8, 8000 BRUGGE · event 10-02-2026
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 17current ratio 2.40
Current ratio from 0.14 to 2.40.
31-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 153 days late
2023
31-12
Financial
Weakest financial yearnet €-328k ▼2583%
Net result drops to €-328k, the lowest in the series.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
06-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
29-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 241 days late
2020
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
31-12
Financial
Liquidity times 22current ratio 17.23
Current ratio from 0.78 to 17.23; short-term debt falls from €18k to €15k.
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 25 days late
2016
22-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 22 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Brugge · 1 establishment unit since 2009
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.
Predikherenrei 88000 BruggeGround area
268 m²
Building footprint
107 m²
Volume, LiDAR
868 m³
Parcel 31802B0282/00M000, Flanders · tallest building 13.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
RM Consult
since 20092.175.452.058
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31802B0282/00M000 | Flanders | 268 m² | 1 · 107 m² | 13.3 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.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | LAURENT SAMYN MEXICOSTRAAT 8, 8730 BEERNEM- |
10-02-2026 → present |
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Of 5,700 companies in sector 70100 we hold annual accounts for 3,495. 1,255 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-01-2009
Fiscal year end31-12
Activities, NACEBEL
70100Activities of head offices
66300Activities auxiliary to financial services and insurance activities
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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
1 entryPhone:0495213120