RMA CONSULT
ActiveRMA CONSULT has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €325k and a net result of €47k. Equity is growing by ~10.7% per year across the filed fiscal years. Its solvency ranks better than 33% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-21
Solvency63▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 3.69 against 2.94 in 2024; short-term debt: 6.4% and cash: 12.5% of total assets), but 61.9% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
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
38.1%
Return on assets
5.5%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 09-02-2026, 9 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 · 10 filingsDeviation from the deadline
2025
9 d late
2024
24 d late
2023
21 d late
2022
43 d late
2021
28 d late
2019
3 d early
2018
28 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€325k▲ 16.9%
2024 · €278k
2019: €176k
2021: €159k
2022: €176k
2023: €102k
2024: €278k
2019 → 2025
Total assets
€852k▲ 5.4%
2024 · €809k
2019: €283k
2021: €270k
2022: €295k
2023: €876k
2024: €809k
2019 → 2025
Net result
€47k▼ 73.4%
2024 · €176k
2019: €-14k
2021: €-9k
2022: €17k
2023: €-74k
2024: €176k
2019 → 2025
Working capital
€147k▲ 61.0%
2024 · €91k
2019: €140k
2021: €137k
2022: €162k
2023: €-228k
2024: €91k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€159k-€176k▲ 10.6%€102k▼ 42.0%€278k▲ 173%€325k▲ 16.9%
Operating result€-9k-€17k€-67k€239k€59k▼ 75.5%
Net result€-9k-€17k€-74k€176k€47k▼ 73.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 75% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €852k
Fixed assets
€650k▼ 3.0%
Current assets
€202k▲ 45.9%
Equity and liabilities €852k
Equity
€325k▲ 16.9%
Provisions
€151k▼ 1.0%
Debt
€376k▼ 0.6%
The debt ratio falls from 46.8% to 44.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€79k▼
2024 · €259k
Cash flow
€67k▼
2024 · €196k
Solvency
38.1%▲
2024 · 34.4%
Current ratio
3.69▲
2024 · 2.94
Quick ratio
3.69▲
2024 · 2.94
Debt / equity
1.16▼
2024 · 1.36
ROE
14.4%▼
2024 · 63.3%
ROA
5.5%▼
2024 · 21.8%
Interest coverage
5.98▼
2024 · 15.98
Debt
€376k▼
2024 · €379k
Debt ≤ 1 year
€55k▲
2024 · €47k
Debt > 1 year
€318k▼
2024 · €331k
Income taxes
€74
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€809k€852k▲
Fixed assets21/28€670k€650k▼
Tangible fixed assets22/27€670k€650k▼
Land and buildings22€626k€608k▼
Plant, machinery and equipment23€8k€42k▲
Assets under construction and advance payments27€36k-
Current assets29/58€138k€202k▲
Amounts receivable within one year40/41€18k€17k▼
Trade receivables40€18k€17k▼
Current investments50/53€76k€76k=
Cash at bank and in hand54/58€44k€106k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€809k€852k▲
Equity10/15€278k€325k▲
Contributions10/11€12k€12k=
Reserves13€162k€312k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€160k€155k▼
Distributable reserves133-€155k
Profit (loss) carried forward14€104k-
Provisions and deferred taxes16€152k€151k▼
Provisions for liabilities and charges160/5€105k€105k=
Pensions and similar obligations160€105k€105k=
Deferred taxes168€47k€46k▼
Amounts payable17/49€379k€376k▼
Amounts payable after more than one year17€331k€318k▼
Financial debts170/4€331k€318k▼
Amounts payable within one year42/48€47k€55k▲
Current portion of amounts payable after more than one year42€13k€13k▲
Trade debts44€10k-
Suppliers440/4€10k-
Taxes, remuneration and social security45€17k€27k▲
Taxes450/3€11k€15k▲
Remuneration and social security454/9€7k€12k▲
Other amounts payable47/48€7k€14k▲
Accrued charges and deferred income492/3€174€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€20k=
Other operating charges640/8€3k€4k▲
Gross operating margin9900€262k€83k▼
Operating profit (loss)9901€239k€59k▼
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€16k€13k▼
Recurring financial charges65€16k€13k▼
Profit (loss) for the period before taxes9903€223k€46k▼
Transfer from deferred taxes780€1k€1k=
Transfer to deferred taxes680€48k-
Income taxes67/77-€74
Profit (loss) for the period9904€176k€47k▼
Transfer from tax-exempt reserves789€4k€4k=
Transfer to tax-exempt reserves689€145k-
Profit (loss) for the period to be appropriated9905€35k€51k▲
Appropriation of the result
Profit (loss) to be appropriated9906€104k€155k▲
Profit (loss) brought forward from the previous period14P€69k€104k▲
Transfer to equity691/2-€155k
To other reserves6921-€155k
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
09-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 9 days late
2025
24-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 24 days late
2024
30-06
Financial
Back to profitnet €176k
Net result €176k after one loss-making year.
30-06
Financial
Liquidity times 10current ratio 2.94
Current ratio from 0.30 to 2.94; short-term debt falls from €324k to €47k.
30-06
Financial
Equity above €200kEq €278k ▲173%
Equity rises from €102k to €278k.
21-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
30-06
Financial
Weakest financial yearnet €-74k ▼537%
Net result drops to €-74k, the lowest in the series; recovery starts the following year.
15-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 43 days late
2022
30-06
Financial
Back to profitnet €17k
Net result €17k after 2 loss-making years.
28-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 28 days late
2020
28-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-02
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 28 days late
2018
28-02
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 28 days late
2016
29-02
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 29 days late
2015
25-02
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Sint-Agatha-Berchem · 1 establishment unit since 2007
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.
Hogenbosstraat 171082 Sint-Agatha-BerchemGround area
378 m²
Building footprint
145 m²
Volume, LiDAR
1,317 m³
Parcel 21342B0021/00M002, Brussels · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
RMA CONSULT
since 20072.160.717.956
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21342B0021/00M002 | Brussels | 378 m² | 1 · 145 m² | 12.2 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.
Recognitions · licences · registrations
Legal Entity Identifier
894500TFHDUJS0I8B369
Similar companies · same sector, comparable size
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EDONIS
BE 0475.370.670
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Vadroco
BE 0786.319.612
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PARAGON BUSINESS SOLUTIONS
BE 0525.987.547
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 13,516 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded01-03-2007
Fiscal year end30-06
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
43211General electrical installation work
46500Wholesale of information and communication equipment
46510Wholesale trade
47120Other non-specialised retail sale
47910Retail trade
72100
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:rachid_marcouch@skynet.be
Phone:0476/946766