RML CONSTRUCTION
ActiveThe computed 12-month bankruptcy probability of RML CONSTRUCTION is 2.3% (moderate). The 2025 annual accounts show equity of €45k and a net result of €16k. Equity is growing by ~39.9% per year across the filed fiscal years. Its solvency ranks better than 63% of 7331 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▲+3
Solvency81▼-15
Growth52=
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.58 against 0.57 in 2024; short-term debt: 28.8% and cash: 13.7% of total assets), and 43.8% 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 41
Relative position
BE, all sectors
reference
Sector 41
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
56.2%
Return on assets
20%
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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
45 d early
2023
64 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€45k▲ 55.1%
2024 · €29k
2023: €22k
2024: €29k
2023 → 2025
Total assets
€81k▲ 95.8%
2024 · €41k
2023: €59k
2024: €41k
2023 → 2025
Net result
€16k▲ 124%
2024 · €7k
2023: €17k
2024: €7k
2023 → 2025
Working capital
€37k
2024 · €-5k
2023: €-28k
2024: €-5k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€22k-€29k▲ 32.6%€45k▲ 55.1%
Operating result€22k-€10k▼ 55.5%€23k▲ 130%
Net result€17k-€7k▼ 57.8%€16k▲ 124%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 130% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €81k
Fixed assets
€21k▼ 39.5%
Current assets
€60k▲ 785%
Equity and liabilities €81k
Equity
€45k▲ 55.1%
Debt
€35k▲ 195%
The debt ratio rises from 29.0% to 43.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€38k▲
2024 · €26k
Cash flow
€31k▲
2024 · €23k
Solvency
56.2%▼
2024 · 71.0%
Current ratio
2.58▲
2024 · 0.57
Quick ratio
2.58▲
2024 · 0.57
Debt / equity
0.78▲
2024 · 0.41
ROE
35.5%▲
2024 · 24.6%
ROA
20.0%▲
2024 · 17.5%
Interest coverage
35.54▼
2024 · 108.89
Debt
€35k▲
2024 · €12k
Debt ≤ 1 year
€23k▲
2024 · €12k
Debt > 1 year
€12k
Income taxes
€6k▲
2024 · €2k
Staff costs
€8k▲
2024 · €-201
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€41k€81k▲
Fixed assets21/28€34k€21k▼
Intangible fixed assets21€29k€19k▼
Tangible fixed assets22/27€5k€1k▼
Plant, machinery and equipment23€3k€1k▼
Furniture and vehicles24€2k-
Financial fixed assets28€205€415▲
Current assets29/58€7k€60k▲
Amounts receivable within one year40/41€3k€49k▲
Trade receivables40€3k€1k▼
Other amounts receivable41€414€48k▲
Cash at bank and in hand54/58€3k€11k▲
Deferred charges and accrued income490/1€98-
Equity and liabilities
Total equity and liabilities10/49€41k€81k▲
Equity10/15€29k€45k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€24k€40k▲
Amounts payable17/49€12k€35k▲
Amounts payable after more than one year17-€12k
Financial debts170/4-€12k
Amounts payable within one year42/48€12k€23k▲
Current portion of amounts payable after more than one year42-€7k
Trade debts44€168€5k▲
Suppliers440/4€168€5k▲
Taxes, remuneration and social security45€11k€11k▲
Taxes450/3€9k€8k▼
Remuneration and social security454/9€3k€4k▲
Other amounts payable47/48€659-
Accrued charges and deferred income492/3€9-
Income statement
Code20242025
Remuneration, social security and pensions62€-201€8k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€15k▼
Other operating charges640/8€503€649▲
Gross operating margin9900€26k€46k▲
Operating profit (loss)9901€10k€23k▲
Financial income75/76B€2€0▼
Recurring financial income75€2€0▼
Financial charges65/66B€235€1k▲
Recurring financial charges65€235€1k▲
Profit (loss) for the period before taxes9903€10k€22k▲
Income taxes67/77€2k€6k▲
Profit (loss) for the period9904€7k€16k▲
Profit (loss) for the period to be appropriated9905€7k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€40k▲
Profit (loss) brought forward from the previous period14P€17k€24k▲
The notes to these accounts (11 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 · micro schema · 31 days late
2025
31-12
Financial
Liquidity times 5current ratio 2.58
Current ratio from 0.57 to 2.58.
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €7k ▼57.8%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
03-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 64 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, Hamois · 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.
Rue de Lenny, Natoye 765360 HamoisGround area
764 m²
Building footprint
145 m²
Parcel 91099A0426/00R003, Wallonia. Linked by address, not a title deed.
1 establishment unit
RML CONSTRUCTION
since 20222.339.075.816
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91099A0426/00R003 | Wallonia | 764 m² | 1 · 145 m² | - |
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.
Similar companies · same sector, comparable size
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DECO-RENOV
BE 0425.213.851
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Van Rayen Construct
BE 1014.831.618
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I build 4 you
BE 0784.292.807
Oostkamp · Eq €45k
Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 12,994 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-11-2022
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41003General construction of other non-residential buildings
43110Demolition
43120Site preparation
43230Insulation installation
43291Specialised construction activities
43992Specialised construction activities
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:romainlallemand1985@gmail.com
Phone:+32496670579