RMA
ActiveSummary
The computed 12-month bankruptcy probability of RMA is 2.8% (moderate). The 2025 annual accounts show negative equity (€-15k) and a net result of €-22k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 10407 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-3
Solvency0▼-10
Growth53=
Track record100
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.31 against 0.38 in 2024; short-term debt: 192.9% and cash: 24.5% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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 2025Solvency, return and age of the figures
Solvency
-92.9%
Return on assets
-135.8%
Age of the figures
9 mo
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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-15k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
13 d early
2023
26 d late
2022
25 d late
2021
33 d early
2020
67 d early
2019
12 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€286k▲ 5.4%
2024 · €272k
2018: €189klowest in 8 years
2019: €218k▲ +15.5% vs 2018
2020: €251k▲ +15.1% vs 2019
2021: €214k▼ -14.9% vs 2020
2022: €301k▲ +40.8% vs 2021
2023: €317k▲ +5.4% vs 2022highest in 8 years
2024: €272k▼ -14.1% vs 2023
2025: €286k▲ +5.4% vs 2024
2018 → 2025
EBIT margin
-6.8%▼ 2.2pp
2024 · -4.6%
2018: -2.2%
2019: 1.8%▲ +184% vs 2018
2020: 1.1%▼ -39.1% vs 2019
2021: -3.1%▼ -374% vs 2020
2022: 9.1%▲ +398% vs 2021highest in 8 years
2023: 5.2%▼ -43.0% vs 2022
2024: -4.6%▼ -188% vs 2023
2025: -6.8%▼ -48.6% vs 2024lowest in 8 years
2018 → 2025
Net result
€-22k▼ 46.7%
2024 · €-15k
2018: €-5k
2019: €3k▲ +154% vs 2018
2020: €2k▼ -37.2% vs 2019
2021: €-8k▼ -536% vs 2020
2022: €25k▲ +426% vs 2021highest in 8 years
2023: €15k▼ -41.2% vs 2022
2024: €-15k▼ -200% vs 2023
2025: €-22k▼ -46.7% vs 2024lowest in 8 years
2018 → 2025
Working capital
€-21k▼ 46.8%
2024 · €-14k
2018: €-28k
2019: €-24k▲ +13.4% vs 2018
2020: €-22k▲ +11.1% vs 2019
2021: €-30k▼ -39.9% vs 2020lowest in 8 years
2022: €-14k▲ +53.4% vs 2021
2023: €-3k▲ +81.1% vs 2022highest in 8 years
2024: €-14k▼ -441% vs 2023
2025: €-21k▼ -46.8% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€214k-€301k▲ 40.8%€317k▲ 5.4%€272k▼ 14.1%€286k▲ 5.4%
2021: €214klowest in 5 years
2022: €301k▲ +40.8% vs 2021
2023: €317k▲ +5.4% vs 2022highest in 5 years
2024: €272k▼ -14.1% vs 2023
2025: €286k▲ +5.4% vs 2024
Equity€-27k-€-2k▲ 92.2%€12k€-3k€-15k▼ 375%
2021: €-27klowest in 5 years
2022: €-2k▲ +92.2% vs 2021
2023: €12k▲ +646% vs 2022highest in 5 years
2024: €-3k▼ -127% vs 2023
2025: €-15k▼ -375% vs 2024
Operating result€-7k-€27k€16k▼ 39.9%€-12k€-19k▼ 56.6%
2021: €-7k
2022: €27k▲ +520% vs 2021highest in 5 years
2023: €16k▼ -39.9% vs 2022
2024: €-12k▼ -175% vs 2023
2025: €-19k▼ -56.6% vs 2024lowest in 5 years
Net result€-8k-€25k€15k▼ 41.2%€-15k€-22k▼ 46.7%
2021: €-8k
2022: €25k▲ +426% vs 2021highest in 5 years
2023: €15k▼ -41.2% vs 2022
2024: €-15k▼ -200% vs 2023
2025: €-22k▼ -46.7% vs 2024lowest in 5 years
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 €19k in 2025 against €12k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €16k
Fixed assets
€6k ▼ 44.1%
Current assets
€10k ▲ 8.8%
Key figures and ratios
EBITDA
€-14k▼
2024 · €-7k
Cash flow
€-17k▼
2024 · €-10k
Solvency
-92.9%▼
2024 · -15.5%
Current ratio
0.31▼
2024 · 0.38
Quick ratio
0.13▼
2024 · 0.14
Debt to equity
-2.08▲
2024 · -7.45
ROA
-135.8%▼
2024 · -73.3%
Interest coverage
-6.17▼
2024 · -3.05
Debt
€31k▲
2024 · €23k
Debt ≤ 1 year
€31k▲
2024 · €23k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€20k€16k▼
Fixed assets21/28€11k€6k▼
Tangible fixed assets22/27€11k€6k▼
Plant, machinery and equipment23€1k€873▼
Furniture and vehicles24€10k€5k▼
Current assets29/58€9k€10k▲
Stocks and contracts in progress3€6k€6k=
Stocks30/36€6k€6k=
Amounts receivable within one year40/41€61€90▲
Other amounts receivable41€61€90▲
Cash at bank and in hand54/58€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€20k€16k▼
Equity10/15€-3k€-15k▼
Contributions10/11€20k€20k=
Outside capital11-€20k
Other1109/19-€20k
Profit (loss) carried forward14€-23k€-34k▼
Amounts payable17/49€23k€31k▲
Amounts payable within one year42/48€23k€31k▲
Current portion of amounts payable after more than one year42€2k-
Trade debts44€1k€72▼
Suppliers440/4€1k€72▼
Taxes, remuneration and social security45€947€830▼
Taxes450/3€947€830▼
Other amounts payable47/48€19k€30k▲
Income statement
Code20242025
Turnover70€272k€286k▲
Goods, raw materials, services and sundry goods60/61€274k€298k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Other operating charges640/8€6k€3k▼
Gross operating margin9900€-2k€-12k▼
Operating profit (loss)9901€-12k€-19k▼
Financial income75/76B-€3
Recurring financial income75-€3
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€-15k€-22k▼
Profit (loss) for the period9904€-15k€-22k▼
Profit (loss) for the period to be appropriated9905€-15k€-22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-23k€-44k▼
Profit (loss) brought forward from the previous period14P€-8k€-23k▼
Shareholders' contribution to the loss794-€10k
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €214k | €301k | €317k | €272k | €286k | ▲ 5.4% |
| Goods, raw materials, services and sundry goods60/61 | €217k | €266k | €292k | €274k | €298k | ▲ 9.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1k | €5k | €5k | €5k | €5k | = |
| Other operating charges640/8 | €2k | €2k | €3k | €6k | €3k | ▼ 50.8% |
| Gross operating margin9900 | €-4k | €34k | €24k | €-2k | €-12k | ▼ 623% |
| Operating profit (loss)9901 | €-7k | €27k | €16k | €-12k | €-19k | ▼ 56.6% |
| Financial income75/76B | - | - | - | - | €3 | - |
| Recurring financial income75 | - | - | - | - | €3 | - |
| Financial charges65/66B | €1k | €2k | €2k | €2k | €2k | ▼ 3.7% |
| Recurring financial charges65 | €1k | €2k | €2k | €2k | €2k | ▼ 3.7% |
| Profit (loss) for the period before taxes9903 | €-8k | €25k | €15k | €-15k | €-22k | ▼ 46.7% |
| Profit (loss) for the period9904 | €-8k | €25k | €15k | €-15k | €-22k | ▼ 46.7% |
| Profit (loss) for the period to be appropriated9905 | €-8k | €25k | €15k | €-15k | €-22k | ▼ 46.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €10k | €34k | €26k | €20k | €16k | ▼ 20.8% |
| Fixed assets21/28 | €3k | €21k | €16k | €11k | €6k | ▼ 44.1% |
| Tangible fixed assets22/27 | €3k | €21k | €16k | €11k | €6k | ▼ 44.1% |
| Plant, machinery and equipment23 | €480 | €1k | €1k | €1k | €873 | ▼ 13.9% |
| Furniture and vehicles24 | €3k | €20k | €15k | €10k | €5k | ▼ 47.1% |
| Current assets29/58 | €7k | €13k | €10k | €9k | €10k | ▲ 8.8% |
| Stocks and contracts in progress3 | €6k | €6k | €5k | €6k | €6k | = |
| Stocks30/36 | €6k | €6k | €5k | €6k | €6k | = |
| Amounts receivable within one year40/41 | €10 | €3k | €189 | €61 | €90 | ▲ 47.5% |
| Other amounts receivable41 | €10 | €3k | €189 | €61 | €90 | ▲ 47.5% |
| Cash at bank and in hand54/58 | €1k | €4k | €4k | €3k | €4k | ▲ 24.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €10k | €34k | €26k | €20k | €16k | ▼ 20.8% |
| Equity10/15 | €-27k | €-2k | €12k | €-3k | €-15k | ▼ 375% |
| Contributions10/11 | €19k | €19k | €20k | €20k | €20k | = |
| Capital10 | €19k | €19k | - | - | - | - |
| Issued capital100 | €19k | €19k | - | - | - | - |
| Outside capital11 | - | - | €20k | - | €20k | - |
| Other1109/19 | - | - | €20k | - | €20k | - |
| Reserves13 | €900 | €2k | - | - | - | - |
| Non-distributable reserves130/1 | €900 | €2k | - | - | - | - |
| Legal reserve130 | €900 | €2k | - | - | - | - |
| Profit (loss) carried forward14 | €-47k | €-23k | €-8k | €-23k | €-34k | ▼ 51.9% |
| Amounts payable17/49 | €38k | €36k | €14k | €23k | €31k | ▲ 32.3% |
| Amounts payable after more than one year17 | - | €10k | €2k | - | - | - |
| Financial debts170/4 | - | €10k | €2k | - | - | - |
| Amounts payable within one year42/48 | €38k | €27k | €12k | €23k | €31k | ▲ 32.3% |
| Current portion of amounts payable after more than one year42 | - | €7k | €7k | €2k | - | - |
| Trade debts44 | €96 | €532 | €262 | €1k | €72 | ▼ 93.5% |
| Suppliers440/4 | €96 | €532 | €262 | €1k | €72 | ▼ 93.5% |
| Taxes, remuneration and social security45 | €6k | - | - | €947 | €830 | ▼ 12.4% |
| Taxes450/3 | €163 | - | - | €947 | €830 | ▼ 12.4% |
| Remuneration and social security454/9 | €6k | - | - | - | - | - |
| Other amounts payable47/48 | €32k | €19k | €5k | €19k | €30k | ▲ 54.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-8k | €25k | €15k | €-15k | €-22k | ▼ 46.7% |
| + Depreciation and write-downs630 | €1k | €5k | €5k | €5k | €5k | = |
| Operating cash flow (approximation) | €-6k | €30k | €20k | €-10k | €-17k | ▼ 70.3% |
| Investment in fixed assets (approximation) | - | €-24k | €0 | €0 | €0 | - |
| Change in cash | - | €3k | €327 | €-1k | €760 | ▲ 175% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-22k
Net result drops to €-22k, the lowest in the series.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 13 days late
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 21 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Sint-Agatha-Berchem · 1 establishment unit since 2013
Ground area
406 m²
Building footprint
409 m²
Volume, LiDAR
6,678 m³
Parcel 21342B0159/00W003, Brussels · tallest building 21.6 m, ±6 floors. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
GOFFIN MARKET
since 20132.216.122.574
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21342B0159/00W003 | Brussels | 406 m² | 1 · 409 m² | 21.6 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Agatha-Berchem2.216.122.574
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Of 10,510 companies in sector 47110 we hold annual accounts for 5,851. 3,633 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded09-01-2013
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
Scores and ratios are computed by Checked and are not a credit decision.