RT-COMPANY
ActiveThe annual accounts of RT-COMPANY for fiscal year 2025 show a net loss of 74% of the equity at the start of that year. The 2025 annual accounts show equity of €117k and a net result of €-332k. Equity is shrinking by ~20.4% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 17% of 9183 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
43
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability17▼-1
Solvency26▼-2
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 1.61 against 1.8 in 2024; short-term debt: 56.2% and cash: 0.2% of total assets), but 99.4% 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
0.6%
Return on assets
-1.8%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-332k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 9183 sector peers (2025).
NBB · sector comparisonPosition among 9183 sector peers
Solvency
better than 17%
← weakest
strongest →
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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
9 d early
2023
20 d late
2022
48 d early
2021
6 d early
2020
31 d late
2019
39 d early
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€117k▼ 73.9%
2024 · €449k
2018: €1.16M
2019: €976k
2020: €1.29M
2021: €626k
2022: €810k
2023: €562k
2024: €449k
2018 → 2025
Total assets
€18.43M▲ 13.5%
2024 · €16.25M
2018: €9.21M
2019: €12.27M
2020: €10.51M
2021: €9.10M
2022: €8.96M
2023: €9.79M
2024: €16.25M
2018 → 2025
Net result
€-332k▼ 192%
2024 · €-113k
2018: €-24k
2019: €-186k
2020: €316k
2021: €-659k
2022: €184k
2023: €-248k
2024: €-113k
2018 → 2025
Working capital
€6.27M▼ 2.6%
2024 · €6.43M
2018: €1.33M
2019: €532k
2020: €1.23M
2021: €1.55M
2022: €4.81M
2023: €5.62M
2024: €6.43M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€626k-€810k▲ 29.4%€562k▼ 30.6%€449k▼ 20.2%€117k▼ 73.9%
Operating result€-578k-€269k€-112k€14k€-183k
Net result€-659k-€184k€-248k€-113k▲ 54.2%€-332k▼ 192%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €183k after €14k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €18.43M
Fixed assets
€1.81M▼ 0.4%
Current assets
€16.62M▲ 15.2%
Equity and liabilities €18.43M
Equity
€117k▼ 73.9%
Debt
€18.31M▲ 15.9%
The debt ratio rises from 97.2% to 99.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-175k▼
2024 · €24k
Cash flow
€-323k▼
2024 · €-104k
Solvency
0.6%▼
2024 · 2.8%
Current ratio
1.61▼
2024 · 1.80
Quick ratio
0.89▼
2024 · 1.04
ROE
-283.2%▼
2024 · -25.3%
ROA
-1.8%▼
2024 · -0.7%
Interest coverage
-0.37▼
2024 · 0.06
Debt
€18.31M▲
2024 · €15.80M
Debt ≤ 1 year
€10.36M▲
2024 · €8.00M
Debt > 1 year
€7.80M=
2024 · €7.80M
Income taxes
€242▼
2024 · €264
Staff costs
€56k▲
2024 · €55k
A ratio outside any meaningful range has been withheld (balance sheet total €18.43M, equity €117k).
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€16.25M€18.43M▲
Fixed assets21/28€1.82M€1.81M▼
Tangible fixed assets22/27€1.81M€1.80M▼
Land and buildings22€1.77M€1.77M=
Plant, machinery and equipment23€4k€4k▼
Furniture and vehicles24€29k€23k▼
Financial fixed assets28€10k€10k=
Current assets29/58€14.43M€16.62M▲
Amounts receivable after more than one year29€7.40M€7.40M=
Other amounts receivable291€7.40M€7.40M=
Stocks and contracts in progress3€6.15M€7.36M▲
Stocks30/36€6.15M€7.36M▲
Amounts receivable within one year40/41€742k€1.81M▲
Trade receivables40€76k€190k▲
Other amounts receivable41€666k€1.62M▲
Cash at bank and in hand54/58€84k€34k▼
Deferred charges and accrued income490/1€53k€12k▼
Equity and liabilities
Total equity and liabilities10/49€16.25M€18.43M▲
Equity10/15€449k€117k▼
Contributions10/11€1.23M€1.23M=
Profit (loss) carried forward14€-779k€-1.11M▼
Amounts payable17/49€15.80M€18.31M▲
Amounts payable after more than one year17€7.80M€7.80M=
Financial debts170/4€7.80M€7.80M=
Amounts payable within one year42/48€8.00M€10.36M▲
Financial debts43€6.51M€9.50M▲
Credit institutions430/8€6.51M€9.50M▲
Trade debts44€66k€141k▲
Suppliers440/4€66k€141k▲
Taxes, remuneration and social security45€23k€34k▲
Taxes450/3€17k€28k▲
Remuneration and social security454/9€6k€6k▲
Other amounts payable47/48€1.39M€675k▼
Accrued charges and deferred income492/3-€156k
Income statement
Code20242025
Non-recurring operating income76A€5k€0▼
Remuneration, social security and pensions62€55k€56k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▼
Other operating charges640/8€73k€351k▲
Gross operating margin9900€152k€233k▲
Operating profit (loss)9901€14k€-183k▼
Financial income75/76B€243k€318k▲
Recurring financial income75€243k€318k▲
Financial charges65/66B€371k€466k▲
Recurring financial charges65€371k€466k▲
Profit (loss) for the period before taxes9903€-113k€-331k▼
Income taxes67/77€264€242▼
Profit (loss) for the period9904€-113k€-332k▼
Profit (loss) for the period to be appropriated9905€-113k€-332k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-779k€-1.11M▼
Profit (loss) brought forward from the previous period14P€-665k€-779k▼
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (22 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
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 20 days late
2023
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €184k
Net result €184k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 3.09
Current ratio from 1.27 to 3.09; short-term debt falls from €5.69M to €2.30M.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-659k ▼308%
Net result drops to €-659k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Back to profitnet €316k
Net result €316k after 2 loss-making years.
31-12
Financial
Equity above €1MEq €1.29M ▲31.6%
Equity rises from €976k to €1.29M.
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 56 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Knokke-Heist · 1 establishment unit since 2015
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.
Tortellaan 78300 Knokke-HeistGround area
1,304 m²
Building footprint
311 m²
Volume, LiDAR
1,851 m³
Parcel 31333K0089/00P002, Flanders · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rt-company
since 20152.243.598.023
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31333K0089/00P002 | Flanders | 1,304 m² | 1 · 311 m² | 11.2 m · 2 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
549300JETDF21JCWFQ41
Similar companies · same sector, comparable size
LZ IMMO
BE 0634.783.539
Bastogne · Eq €117k
IMMOBILIERE GEORGES
BE 0637.970.780
Vorst · Eq €117k
ATLAS IMMO
BE 0879.995.084
Jette · Eq €117k
IMMO-INVEST FVP
BE 0880.084.958
Lint · Eq €117k
M.B.S GROUP SPRL
BE 0544.794.758
Manhay · Eq €117k
Of 7,321 companies in sector 68110 we hold annual accounts for 5,382. 3,763 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-06-2015
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.