RMH POOL CHARLEROI
ActiveThe computed 12-month bankruptcy probability of RMH POOL CHARLEROI is 1.6% (moderate). The 2025 annual accounts show equity of €919k and a net result of €182k. Equity is growing by ~25.3% per year across the filed fiscal years. Its solvency ranks better than 87% of 10289 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
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
Profitability88▲+10
Solvency100▲+12
Growth52=
Track record94
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 4.14 against 2.57 in 2024; short-term debt: 22% and cash: 15% of total assets), and 22% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
78%
Return on assets
15.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
75 d late
2023
28 d late
2022
30 d late
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€182k▲ 113%
2024 · €85k
2022: €390k
2023: €192k
2024: €85k
2022 → 2025
Working capital
€815k▲ 18.3%
2024 · €689k
2022: €402k
2023: €599k
2024: €689k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€460k-€652k▲ 41.8%€737k▲ 13.1%€919k▲ 24.7%
Operating result€533k-€269k▼ 49.5%€121k▼ 55.0%€270k▲ 123%
Net result€390k-€192k▼ 50.7%€85k▼ 55.5%€182k▲ 113%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 123% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.18M
Fixed assets
€104k▲ 117%
Current assets
€1.07M▼ 4.7%
Equity and liabilities €1.18M
Equity
€919k▲ 24.7%
Debt
€259k▼ 40.8%
The debt ratio falls from 37.3% to 22.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€279k▲
2024 · €128k
Cash flow
€190k▲
2024 · €93k
Solvency
78.0%▲
2024 · 62.7%
Current ratio
4.14▲
2024 · 2.57
Quick ratio
2.56▲
2024 · 1.72
Debt / equity
0.28▼
2024 · 0.59
ROE
19.8%▲
2024 · 11.6%
ROA
15.4%▲
2024 · 7.3%
Interest coverage
10.40▼
2024 · 25.60
Debt
€259k▼
2024 · €438k
Debt ≤ 1 year
€259k▼
2024 · €438k
Income taxes
€63k▲
2024 · €31k
Staff costs
€225k▲
2024 · €203k
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€1.18M€1.18M▲
Fixed assets21/28€48k€104k▲
Tangible fixed assets22/27€47k€97k▲
Plant, machinery and equipment23€46k€96k▲
Furniture and vehicles24€2k€957▼
Financial fixed assets28€423€7k▲
Current assets29/58€1.13M€1.07M▼
Stocks and contracts in progress3€372k€410k▲
Stocks30/36€372k€410k▲
Amounts receivable within one year40/41€699k€487k▼
Trade receivables40€488k-
Other amounts receivable41€211k€487k▲
Cash at bank and in hand54/58€56k€177k▲
Deferred charges and accrued income490/1€0€724▲
Equity and liabilities
Total equity and liabilities10/49€1.18M€1.18M▲
Equity10/15€737k€919k▲
Contributions10/11€70k€70k=
Reserves13€582k€582k=
Distributable reserves133€582k€582k=
Profit (loss) carried forward14€85k€267k▲
Amounts payable17/49€438k€259k▼
Amounts payable within one year42/48€438k€259k▼
Current portion of amounts payable after more than one year42€0€50k▲
Trade debts44€371k€40k▼
Suppliers440/4€371k€40k▼
Taxes, remuneration and social security45€67k€116k▲
Taxes450/3€46k€93k▲
Remuneration and social security454/9€21k€23k▲
Other amounts payable47/48€500€53k▲
Income statement
Code20242025
Remuneration, social security and pensions62€203k€225k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€9k▲
Other operating charges640/8€415€7k▲
Gross operating margin9900€331k€511k▲
Operating profit (loss)9901€121k€270k▲
Financial income75/76B€27€1k▲
Recurring financial income75€27€1k▲
Financial charges65/66B€5k€27k▲
Recurring financial charges65€5k€27k▲
Profit (loss) for the period before taxes9903€116k€245k▲
Income taxes67/77€31k€63k▲
Profit (loss) for the period9904€85k€182k▲
Profit (loss) for the period to be appropriated9905€85k€182k▲
Appropriation of the result
Profit (loss) to be appropriated9906€85k€267k▲
Profit (loss) brought forward from the previous period14P€10€85k▲
Social balance
Average headcount (FTE)90876.55.4▼
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
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
14-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 75 days late
2024
31-12
Financial
Weakest financial yearnet €85k ▼55.5%
Net result drops to €85k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 28 days late
2023
31-12
Financial
Equity above €500kEq €652k ▲41.8%
2 profitable years in a row build equity to €652k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Spa · 1 establishment unit since 2022
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.
Avenue des Petits Sapins 164900 SpaGround area
7,948 m²
Building footprint
1,315 m²
Volume, LiDAR
6,427 m³
2 parcels, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RMH POOL CHARLEROI
since 20222.325.646.561
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63072I0004/00D010 | Wallonia | 5,324 m² | 1 · 315 m² | 8.1 m · 2 fl. |
| 52412A0149/00K000 | Wallonia | 2,624 m² | 1 · 1,001 m² | 5.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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OEYEN
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Balen · Eq €922k
DECKERS - TEGELDECOR
BE 0437.994.194
Dilsen-Stokkem · Eq €916k
POORTSERVICE MARCEL
BE 0463.752.149
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ART-DECORS LAURENZO
BE 0479.858.901
Dendermonde · Eq €912k
Of 1,721 companies in sector 47521 we hold annual accounts for 1,289. 951 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-2021
Fiscal year end31-12
Activities, NACEBEL
47521Retail sale of hardware, building materials, paint and glass (general range)
47529Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.