RM EXPERTISE
ActiveSummary
RM EXPERTISE has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6,999 and a net result of €1,756. Equity shrank by about 5.5% per year on average since 2021. In 2025 it rose by 33.5%. Its solvency ranks better than 57% of 4,342 sector peers (NACE 74, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 10-05-2021 Normal situation
- Activity
- Other professional, scientific and technical activities NACE 74999and 4 others
- Establishment unit
- 2.317.230.921 4020 Liège, since 11-05-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 01-09-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.1%
- Gross margin
- €3,961
- ▲ 1.8%
- Turnover
- ≈ €24,000
- estimated
- Profit
- €1,756
- ▲ 6.4%
- Equity
- €6,999
- ▲ 33.5%
- Total assets
- €12,360
- ▼ 15.6%
Score breakdownraises riskSize: total assets €12,360lowers riskSector: Other professional, scientific and technical activities (NACE 74)Liquidity: current ratio 2.31, cash €10,938Figures for financial year 2025 (filed on 10-06-2026)Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 74, micro). It does better than 58% of them on solvency, 71% on liquidity, 43% on profitability and 74% on growth.
The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 5 accounts on average 55 days before the deadline. In the sector (NACE 74), the median for financial year 2024 was 3 days before the deadline, and 38% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 10-06-2026 PDF all 5 filings
Every figure per financial year
The operating result for 2025 is 2% higher than in 2024 and the highest since 2021. It is the third rise in a row, after the fall in 2022.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | - | - | - | €387 | €400 | ▲ 3.2% |
| Gross operating margin9900 | €7,941 | -€2,410 | -€837 | €3,892 | €3,961 | ▲ 1.8% |
| Operating profit (loss)9901 | €7,941 | -€2,410 | -€837 | €3,505 | €3,561 | ▲ 1.6% |
| Financial charges65/66B | €26 | €74 | €133 | €54 | €54 | ▲ 0.1% |
| Recurring financial charges65 | €26 | €74 | €133 | €54 | €54 | ▲ 0.1% |
| Profit (loss) for the period before taxes9903 | €7,916 | -€2,484 | -€970 | €3,451 | €3,507 | ▲ 1.6% |
| Income taxes67/77 | €2,157 | €577 | €1,134 | €1,801 | €1,751 | ▼ 2.8% |
| Profit (loss) for the period9904 | €5,758 | -€3,062 | -€2,104 | €1,650 | €1,756 | ▲ 6.4% |
| Profit (loss) for the period to be appropriated9905 | €5,758 | -€3,062 | -€2,104 | €1,650 | €1,756 | ▲ 6.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €13,432 | €13,806 | €9,432 | €14,651 | €12,360 | ▼ 15.6% |
| Current assets29/58 | €13,432 | €13,806 | €9,432 | €14,651 | €12,360 | ▼ 15.6% |
| Amounts receivable within one year40/41 | €3,381 | €1,258 | €2,290 | €4,611 | €1,421 | ▼ 69.2% |
| Trade receivables40 | €3,315 | €1,258 | €2,270 | €4,611 | €672 | ▼ 85.4% |
| Other amounts receivable41 | €66 | - | €20 | - | €749 | - |
| Cash at bank and in hand54/58 | €10,050 | €12,548 | €7,142 | €10,040 | €10,938 | ▲ 8.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €13,432 | €13,806 | €9,432 | €14,651 | €12,360 | ▼ 15.6% |
| Equity10/15 | €8,758 | €5,697 | €3,593 | €5,243 | €6,999 | ▲ 33.5% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | €5,758 | €2,697 | €593 | €2,243 | €3,999 | ▲ 78.3% |
| Amounts payable17/49 | €4,673 | €8,109 | €5,839 | €9,408 | €5,361 | ▼ 43.0% |
| Amounts payable within one year42/48 | €4,673 | €8,109 | €5,839 | €9,408 | €5,361 | ▼ 43.0% |
| Trade debts44 | - | €1,556 | €1,933 | €2,125 | €1,518 | ▼ 28.5% |
| Suppliers440/4 | - | €1,556 | €1,933 | €2,125 | €1,518 | ▼ 28.5% |
| Taxes, remuneration and social security45 | €4,673 | €6,512 | €3,906 | €6,201 | €3,050 | ▼ 50.8% |
| Taxes450/3 | €4,673 | €5,012 | €3,906 | €4,496 | €3,050 | ▼ 32.2% |
| Remuneration and social security454/9 | - | €1,500 | - | €1,705 | - | - |
| Other amounts payable47/48 | - | €40 | - | €1,081 | €793 | ▼ 26.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5,758 | -€3,062 | -€2,104 | €1,650 | €1,756 | ▲ 6.4% |
| Operating cash flow (approximation) | €5,758 | -€3,062 | -€2,104 | €1,650 | €1,756 | ▲ 6.4% |
| Change in cash | - | €2,498 | -€5,405 | €2,898 | €898 | ▼ 69.0% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 26,972 companies had the same profile as RM EXPERTISE has now. Two years later, 94.9% were still going and 1.6% had gone bankrupt.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of RM EXPERTISE itself is lower: 0.1% within 12 months. It rests on far more data about RM EXPERTISE than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,972 companies, not a prediction for RM EXPERTISE. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Filings with the National Bank (5)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 10-06-2026 | 2026-00149998 | |
| 31-12-2024 | micro format | 10-06-2025 | 2025-00133860 | |
| 31-12-2023 | micro format | 03-06-2024 | 2024-00107951 | |
| 31-12-2022 | micro format | 30-05-2023 | 2023-00103462 | |
| 31-12-2021 | micro format | 09-06-2022 | 2022-20052452 |
Board & ownership
Directors
Owners and capital
Owners
Network & group
RM EXPERTISE shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of RM EXPERTISE. Every other company they run is a node.
Timeline
Deeds, filings and financial milestones
29-11
Gazette deed
Registered office moved from Romsee to Jupille-Sur-MeuseNew registered office: rue Vert Buisson 80 à 4020 Jupille-Sur-Meuse · Previous registered office: RUE CAMPAGNE DEL'BOSSETTE, 2 4624 ROMSEE2 points ▸
- General meeting, 08-11-2023
- Registered-office move, rue Vert Buisson 80 à 4020 Jupille-Sur-Meuse
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
1 former office
- Rue Campagne Del'Bossette, 2, 4624 Romsee until 08-11-2023 · deed of 29-11-2023
Activities
NACEBEL 2025Codes under NACEBEL 2008
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 62059C0099/00E000 | Wallonia | 157 m² | 1 · 80 m² | 9.2 m · 3 |