RMSC
ActiveThe computed 12-month bankruptcy probability of RMSC is 5.4% (elevated). The 2025 annual accounts show negative equity (€-11k) and a net result of €-79k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 23% of 13270 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
25
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency18▼-46
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
5.4%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.72 against 1.3 in 2024; short-term debt: 106% and cash: 30.9% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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 · 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
-6.8%
Return on assets
-50.7%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €-11k
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 · 7 filingsDeviation from the deadline
2025
31 d late
2024
30 d late
2023
29 d late
2022
31 d late
2021
59 d late
2020
89 d late
2019
207 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-11k
2024 · €68k
2019: €37k
2020: €68k
2021: €62k
2022: €48k
2023: €13k
2024: €68k
2019 → 2025
Total assets
€156k▼ 11.9%
2024 · €177k
2019: €161k
2020: €176k
2021: €181k
2022: €101k
2023: €138k
2024: €177k
2019 → 2025
Net result
€-79k
2024 · €55k
2019: €7k
2020: €31k
2021: €-6k
2022: €-14k
2023: €-34k
2024: €55k
2019 → 2025
Working capital
€-47k
2024 · €33k
2019: €6k
2020: €31k
2021: €21k
2022: €13k
2023: €-15k
2024: €33k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€62k-€48k▼ 23.1%€13k▼ 71.8%€68k▲ 411%€-11k
Operating result€-3k-€-11k▼ 245%€-30k▼ 170%€63k€-76k
Net result€-6k-€-14k▼ 137%€-34k▼ 140%€55k€-79k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €76k after €63k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €156k
Fixed assets
€38k▲ 1.7%
Current assets
€118k▼ 15.5%
Key figures and ratios
EBITDA
€-67k▼
2024 · €70k
Cash flow
€-71k▼
2024 · €62k
Solvency
-6.8%▼
2024 · 38.7%
Current ratio
0.72▼
2024 · 1.30
Quick ratio
0.57▼
2024 · 1.14
Debt / equity
-15.79▼
2024 · 1.59
ROA
-50.7%▼
2024 · 31.1%
Interest coverage
-17.88▼
2024 · 14.57
Debt
€166k▲
2024 · €108k
Debt ≤ 1 year
€165k▲
2024 · €107k
Income taxes
€150▼
2024 · €4k
Staff costs
€430k▲
2024 · €327k
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€177k€156k▼
Fixed assets21/28€37k€38k▲
Tangible fixed assets22/27€34k€34k▲
Plant, machinery and equipment23€9k€10k▲
Furniture and vehicles24€6k€5k▼
Other tangible fixed assets26€19k€18k▼
Financial fixed assets28€3k€3k=
Current assets29/58€140k€118k▼
Stocks and contracts in progress3€18k€25k▲
Stocks30/36€18k€25k▲
Amounts receivable within one year40/41€30k€43k▲
Trade receivables40€10k€33k▲
Other amounts receivable41€20k€10k▼
Cash at bank and in hand54/58€76k€48k▼
Deferred charges and accrued income490/1€16k€2k▼
Equity and liabilities
Total equity and liabilities10/49€177k€156k▼
Equity10/15€68k€-11k▼
Contributions10/11€30k€30k=
Outside capital11€30k-
Other1109/19€30k-
Reserves13€38k€38k=
Distributable reserves133€38k€38k=
Profit (loss) carried forward14-€-79k
Amounts payable17/49€108k€166k▲
Amounts payable within one year42/48€107k€165k▲
Trade debts44€25k€46k▲
Suppliers440/4€25k€46k▲
Taxes, remuneration and social security45€80k€118k▲
Taxes450/3€41k€50k▲
Remuneration and social security454/9€39k€68k▲
Other amounts payable47/48€3k€803▼
Accrued charges and deferred income492/3€1k€1k=
Income statement
Code20242025
Remuneration, social security and pensions62€327k€430k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€8k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€400k€365k▼
Operating profit (loss)9901€63k€-76k▼
Financial income75/76B€467€561▲
Recurring financial income75€467€561▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€59k€-79k▼
Income taxes67/77€4k€150▼
Profit (loss) for the period9904€55k€-79k▼
Profit (loss) for the period to be appropriated9905€55k€-79k▼
Appropriation of the result
Profit (loss) to be appropriated9906€38k€-79k▼
Profit (loss) brought forward from the previous period14P€-17k-
Transfer to equity691/2€38k-
To other reserves6921€38k-
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 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-79k ▼243%
Net result drops to €-79k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Back to profitnet €55k
Net result €55k after 3 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 59 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
23-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 207 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Verviers · 1 establishment unit since 2019
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.
Boulevard des Gérardchamps 74800 VerviersGround area
2,509 m²
Building footprint
1,425 m²
Volume, LiDAR
10,923 m³
Parcel 63079A1450/00L002, Wallonia · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
La Brasserie - Restaurant du Relais
since 20192.284.980.005
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63079A1450/00L002 | Wallonia | 2,509 m² | 1 · 1,425 m² | 10.8 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
Food safety, FASFC
1 siteVerviers2.284.980.005
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,458. 9,842 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-02-2019
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56210Event catering
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.