Turnover
≈ €310,000 estimated
The micro format states no turnover.
RMF CONSTRUCTION
Overview
Lifetime
1 annual account with figurespeak €73,426 (2024)
€73,426
peak €49,162 (2024)
€49,162
peak €52,162 (2024)
€52,162
€247,701
Board1 name since 2024
1 directorROLAIN Maxime Paolo Jacquy
Documentsfilings and deeds
29-08-202529 days late
2024micro format
Incorporation 07-101 establishment registeredFirst year with figures
Key points
from the 2024 annual accountsDebts
€247,701 83% of the balance sheet
Suppliers 88%Taxes and wages 7%Other 5%
Position in the sector
17.4%
Lower solvency than 80% of companies in specialised construction. Sector median 46.6% · 35,956 companies.
2024 accounts filed 29 days after the deadline
Checked score
32
Weak
Financially stronger than 27% of micro companies in specialised construction (NACE 43)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
8.4% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 8 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2025: 3.6%lowest value
12-2025: 3.6%● unchanged vs 11-2025lowest value
01-2026: 4.0%▲ +0.4 percentage points vs 12-2025
02-2026: 4.1%▲ +0.1 percentage points vs 01-2026
03-2026: 4.3%▲ +0.2 percentage points vs 02-2026
04-2026: 4.4%▲ +0.1 percentage points vs 03-2026
05-2026: 4.6%▲ +0.2 percentage points vs 04-2026
06-2026: 4.6%● unchanged vs 05-2026
07-2026: 4.8%▲ +0.2 percentage points vs 06-2026
08-2026: 5.8%▲ +1.0 percentage point vs 07-2026
09-2026: 6.3%▲ +0.5 percentage points vs 08-2026
10-2026: 8.4%▲ +2.1 percentage points vs 09-2026highest value
11-2026: 8.4%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Figures for financial year 2024 (filed on 29-08-2025)
2 ex-officio strike-offs in the KBO
Founded in 2024
2 warning signals in 24 months (strike-off 2)
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 43, micro). It does better than 19% of them on solvency, 5% on liquidity and 56% on profitability.
The bankruptcy probability was computed on 09-11-2026 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 31-12-2024.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% 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).
Comparable companies, two years later
In July 2024, 7,976 companies had the same profile as RMF CONSTRUCTION has now. Each dot stands for 20 companies, two years later.
94.3%
were still trading
1.8%
stopped another way
3.6%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of RMF CONSTRUCTION itself is higher: 8.4% within 12 months. It rests on far more data about RMF CONSTRUCTION than the profile alone.
Test of the method
The method was tested on the 497,447 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 7,976 companies, not a prediction for RMF CONSTRUCTION. 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.
Credit verdict
Credit of up to €1,500 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity is tight, with a current ratio of 1.21, below the usual 1.5. Short-term debt is 82.6% and cash 1.9% of total assets. 82.6% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
raises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 35956 sector peers (2024).
NBB · sector comparisonPosition among 35956 sector peers
Solvency
better than 19%
← weakest
strongest →
raises risk · 2024 accounts filed 29 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2024
29 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its 2024 accounts 29 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
raises risk · Administrative warnings in the KBO publications
The FPS Economy published 2 notices about the company, such as a strike-off for address, accounts or UBO, or their withdrawal.
KBO publicationsPublications
UBO non-compliance×2
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1014564075
UBO non-compliance
effective 05-05-2025 · KBO administration
UBO non-compliance
effective 22-04-2025 · KBO administration
Incorporation
Founding capital of €3,000, 100 shares · Appointment: ROLAIN Maxime Paolo Jacquy (director) · 100 shares · published on 07-10-2024 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| RMF CONSTRUCTION Visé | €299,864 | €73,426 | 17.4% | - |
| Broecks Wuustwezel | €242,325 | €104,413 | 40.1% | - |
| RENEWGY CONSTRUCT Machelen (Brab.) | €392,828 | €47,886 | 10.1% | - |
| CAUWELS GEERT Maldegem | €159,885 | €75,272 | 23.8% | - |
| LEON BUILD Berchem-Sainte-Agathe | €305,172 | €147,821 | 23.9% | - |
| Nolens Projects Pajottegem | €334,415 | €71,643 | 8.9% | - |
| EM RENOVATION Auderghem | €157,159 | €41,916 | 3.7% | - |
These companies have the same main activity as RMF CONSTRUCTION: demolition (NACE 43110). They are comparable in size and age: total assets between €157,000 and €393,000, founded between 2022 and 2024.
Official details
Source: KBO- Status
- Active since 03-10-2024Normal situation
- Activity
- DemolitionNACE 43110and 7 others
- Establishment unit
- 2.365.949.9624600 Visé, since 03-10-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 07-01-2026
Insights on RMF CONSTRUCTION
The computed 12-month bankruptcy probability of RMF CONSTRUCTION is 8.4% (elevated). The 2024 annual accounts show equity of €52,162 and a net result of €49,162.
Its solvency ranks better than 19% of 35,956 sector peers (NACE 43, financial year 2024). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency signals. The KBO does carry 2 administrative register entries.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2024
micro format, filed on 29-08-2025, 29 days late€73,426
€65,575
€49,162
€52,162
17.4%
1.21
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €310,000. Estimated: probably between €220,000 and €530,000.
Balance sheet
balance sheet total €299,864 on 31-12-2024What the company ownsHow it is paid for
Position in the sector
17.4%
Higher than 19% of 35,956 companies in 2024.
1.21
Higher than 29% of 35,354 companies in 2024.
16.4%
Higher than 73% of 35,538 companies in 2024.
RMF CONSTRUCTION
Middle half of the sector
80% of the sector
Micro accounts in specialised construction (NACE 43)
Net result: top quarter · Equity: middle half · Balance sheet total: top quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2024 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
299,864 | |
29/58 |
299,864 | |
40/41 |
292,749 | |
40 |
287,163 | |
41 |
5,586 | |
54/58 |
5,795 | |
490/1 |
1,320 | |
| Balance sheet: equity and liabilities | ||
10/49 |
299,864 | |
10/15 |
52,162 | |
10/11 |
3,000 | |
14 |
49,162 | |
17/49 |
247,701 | |
42/48 |
247,701 | |
44 |
217,737 | |
440/4 |
217,737 | |
45 |
16,387 | |
450/3 |
16,387 | |
47/48 |
13,577 | |
| Income statement | ||
9900 |
73,426 | |
62 |
7,851 | |
9901 |
65,575 | |
65/66B |
25 | |
65 |
25 | |
9903 |
65,550 | |
67/77 |
16,387 | |
9904 |
49,162 | |
9905 |
49,162 | |
| Appropriation of the result | ||
9906 |
49,162 | |
| Document | ||
The notes to these accounts have 1 item. You find them in the accounts filed with the NBB.
Source: Annual accounts 2024 at the NBB, filed on 29-08-2025.
Filings
each dot is a set of accounts, on the day it reached the National Bank2024 annual accounts filed 29 days after the deadline. Filed on 29 August 2025, deadline 31 July 2025 (7 months after the close on 31 December 2024, Companies Code art. 3:10). Source: NBB, 2025-00431854.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2024 | micro format | 29-08-2025 | 2025-00431854 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2024 |
|---|---|---|
| 52,162 | ||
| 17.4% | ||
| 1.21 | ||
| 4.75 | ||
| 94.2% | ||
| 16.4% |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Insights on RMF CONSTRUCTION
Debt's share of the balance-sheet total is 82.6%.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 03-10-2024
term without a fixed end
also on the board of 1 other company
listed in the 2024 annual accounts, filed on 29-08-2025
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 07-10-2024
Mandates through the years
1 name, the dashed line is todayROLAIN Maxime Paolo Jacquy
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- ROLAIN Maxime Paolo Jacquy
- Director (not named in the articles), from 03-10-2024 to date
Control
Founder
This company
RMF CONSTRUCTION
Equity €52,162
Profit €49,162 in 2024
Capital
- Contribution
- €3,000
- Shares
- 100
- Contribution per share
- €30
- Equity per share
- €522 in 2024
- Source
- deed of 07-10-2024
Articles of association
deed of 07-10-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “La totalité des pouvoirs d'administration lui est attribuée, avec la faculté de déléguer partie de ceux-ci, chaque administrateur agissant…”“L'assemblée générale décide si le mandat d'administrateur est ou non exercé gratuitement, Cette rémunération sera portée aux frais généraux…”
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Tous les frais de procédure et d’expertise étant pour moitié à charge du cédant et pour moitié à charge du ou des acquéreurs…”
- Share issue ruleThe articles set how and by whom new shares are issued.
- “Les actions doivent être libérées à leur émission., En cas d’actionnaire unique administrateur, ce dernier détermine librement, au fur et à…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Friday of June
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 07-10-2024 ↗
- ROLAIN Maxime Paolo Jacquy 100 shares (100%) · €3,000 in cash
Network & group
No group
RMF CONSTRUCTION has no parent and no holdings in its annual accounts. ROLAIN Maxime Paolo Jacquy is the only director.
Connections & network
1 connected companyThe connected companies are in the list below.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Linked via shared directors
PULITO
via ROLAIN Maxime Paolo Jacquy · Director (not named in the articles) · deed of 03-12-2024
Founded in 2024 · total assets €56,038 (2025) · negative equity
→
Timeline
Timeline
6 events since 2024Filings
Establishments
Other
202420252026
2026
Registered in the Peppol Directory Reachable for e-invoices through 0208:1014564075
2025
Annual accounts 2024 filed NBBmicro format · 29 days late
UBO non-compliance effective 05-05-2025
UBO non-compliance effective 22-04-2025
2024
IncorporationFounding capital of €3,000, 100 shares · Appointment: ROLAIN Maxime Paolo Jacquy (director) · 100 shares · published on 07-10-20245 points ▸
- Founding capital, €3,000, 100 shares
- 100 shares
- Registered office clause, rue des Trois Rois numéro 22, 4600 Visé
- Director appointment, ROLAIN Maxime Paolo Jacquy (director (not named in the articles))
- Power of attorney, ROLAIN Maxime Paolo Jacquy
- The deed holds 2 more points.
First establishment Rue des Trois Rois 22, Visé
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
RMF CONSTRUCTION was incorporated on 3 October 2024 as a private limited company by one natural person, with a starting capital of €3,000.12 Since 2024, ROLAIN Maxime Paolo Jacquy has served as director.3 The company has filed annual accounts once, for financial year 2024.3
Company details
Identity
- Enterprise number
- 1014.564.075
- VAT number
- BE 1014.564.075
- Peppol ID
- 0208:1014564075
- Other Peppol ID
- 9925:BE1014564075
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 03-10-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Friday of Junedeed of 07-10-2024 (in French)
- Peppol
- Reachable since 07-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- RMF CONSTRUCTION in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 07-10-2024 (in French)
Activities
NACEBEL 2025VAT activities
43110
Demolition main activity
43120
Site preparation
43331
Floor and wall tiling
Social security (RSZ) activities
43910
Bricklaying and masonry work main activity
Codes under NACEBEL 2008
43110
Demolition main activity
43994
Specialised construction activities
81300
Landscape service activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “L'exécution de travaux d'édification, de transformation, d'achèvement, d'entretien de réparation ou de démolition de constructions, de…”deed of 07-10-2024 (in French)
11 activities
- L'exécution de travaux d'édification, de transformation, d'achèvement, d'entretien de réparation ou de démolition de constructions, de travaux de maçonnerie et de béton.
- L'étude et la réalisation de tous travaux de constructions, publics et privés, en qualité d'entrepreneur général ou en sous-traitance, la conception et la construction de tous bâtiments et édifices.
- La réalisation de tout travaux relatifs à la construction immobilière, notamment : électricité, sanitaire, toiture, gros-œuvres, chape, plafonnage, revêtement de sol, pose de châssis, menuiserie, peinture.
- La promotion immobilière, le développement de projets immobiliers, industriels, commerciaux et financiers, et la vente sur plans ;
- L'achat, la vente, le rapport, l’échange, la cession, la construction, l'amélioration, la mise en valeur, la réhabilitation, l’expertise, la gestion, la gérance, la promotion, la location, l’emphytéose, le leasing, la division, le lotissement de tout bien immobilier, et en général, tout opération se rapportant à l’ activité de marchand de biens ;
- La société a également pour objet toutes opérations d'intermédiaire commercial comportant l’achat, la vente, la location, l’échange, l'exploitation, la diffusion de tous produits accessoires et consommables relatifs à son objet.
- Elle peut accorder dans les limites légales des prêts et crédits et fournir toutes sûretés personnelles et réelles.
- A titre accessoire, la société pourra également avoir pour objet la constitution, au départ de ses bénéfices réservés, la gestion et la valorisation d'un patrimoine mobilier et immobilier, notamment pour l’achat, la vente, la location, la mise en location, la construction, le tout au sens le plus large.
- Elle peut également s'intéresser par toute voies (d'association, d’apport, de fusion, de souscription, de participation, d'intervention financières, etc) dans toutes autres sociétés ou entreprises ayant un objet analogue, similaire ou connexe, susceptible de favoriser directement ou indirectement le développement de ses activités.
- Elle peut exercer les fonctions d'administrateur ou liquidateur dans d’autres sociétés.
- La société peut se porter garant ou fournir des sûretés réelles pour des sociétés ou des personnes privées, au sens le plus large.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue des Trois Rois 22 registered office 4600 Visé 23700 Cutting, shaping and finishing of stone | 03-10-2024 | 2.365.949.962 |
Buildings and parcels at the address
- Ground area
- 2,593 m²
- Buildings
- 166 m²
- Volume, LiDAR
- 1,300 m³
- Tallest building
- 9.9 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 62108D0022/00B000 | 2,593 m² | 1 · 166 m² | 9.9 m · 3 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1014.564.075