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RT CONSTRUCT ET FILS

Active
Private limited companyfounded 20251 yr activeRue de la Tulipe 53, 4102 Seraing, BelgiumKBO/BCE: BE 1019.065.667
Summary

RT CONSTRUCT ET FILS has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16,800 and a net result of €11,659. Its solvency ranks better than 55% of 7814 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

Checked score

Score 2025
Axes
Profitability100
Solvency82
Growth-
Track record67
Bankruptcy probability, 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity ample (current ratio 2.3; short-term debt: 43.4% and cash: 74.1% of total assets), and 43.4% of the assets are financed with debt.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six 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 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
raises risk · Multiple establishment units
Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.
KBO · establishment units
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
56.6%
Return on assets
39.3%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-07-2026, 18 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
18 d early
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

RT CONSTRUCT ET FILS was incorporated on 22 January 2025 as a Private limited company.1 Since 2026, Toussi Nadia has served as director of the company.2 The company has filed annual accounts once, for fiscal year 2025.3

  1. 1Crossroads Bank for Enterprises
  2. 2Belgian State Gazette, 27-08-2026
  3. 3National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€16,800
Total assets
€29,682
Net result
€11,659
Working capital
€16,800

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Equity and liabilities €29,682
Equity €16,800
Debt €12,882
Debt finances 43.4% of the balance-sheet total.
Key figures and ratios
2025 value
Current ratio
2.30
Debt to equity
0.77
ROE
69.4%
ROA
39.3%
Debt ≤ 1 year
€12,882
Income taxes
€3,224

Peer companies

Historical observation

Of the 11,279 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 97% are still going.

  • Micro
  • under 2 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.7% went bankrupt
2.6% stopped otherwise
97% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.8% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 11,279 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 30 lines
Balance sheet Code2025
Assets
Total assets20/58€29,682
Current assets29/58€29,682
Amounts receivable within one year40/41€7,009
Trade receivables40€6,168
Other amounts receivable41€841
Cash at bank and in hand54/58€21,992
Deferred charges and accrued income490/1€681
Equity and liabilities
Total equity and liabilities10/49€29,682
Equity10/15€16,800
Contributions10/11€6,000
Profit (loss) carried forward14€10,800
Amounts payable17/49€12,882
Amounts payable within one year42/48€12,882
Trade debts44€887
Suppliers440/4€887
Taxes, remuneration and social security45€3,224
Taxes450/3€3,224
Other amounts payable47/48€8,770
Income statement Code2025
Other operating charges640/8€612
Gross operating margin9900€15,545
Operating profit (loss)9901€14,933
Financial charges65/66B€50
Recurring financial charges65€50
Profit (loss) for the period before taxes9903€14,883
Income taxes67/77€3,224
Profit (loss) for the period9904€11,659
Profit (loss) for the period to be appropriated9905€11,659
Appropriation of the result
Profit (loss) to be appropriated9906€11,659
Profit to be distributed694/7€859
Return on contributions (dividend)694€859

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Other operating charges640/8€612
Gross operating margin9900€15,545
Operating profit (loss)9901€14,933
Financial charges65/66B€50
Recurring financial charges65€50
Profit (loss) for the period before taxes9903€14,883
Income taxes67/77€3,224
Profit (loss) for the period9904€11,659
Profit (loss) for the period to be appropriated9905€11,659
Line2025
Assets
Total assets20/58€29,682
Current assets29/58€29,682
Amounts receivable within one year40/41€7,009
Trade receivables40€6,168
Other amounts receivable41€841
Cash at bank and in hand54/58€21,992
Deferred charges and accrued income490/1€681
Equity and liabilities
Total equity and liabilities10/49€29,682
Equity10/15€16,800
Contributions10/11€6,000
Profit (loss) carried forward14€10,800
Amounts payable17/49€12,882
Amounts payable within one year42/48€12,882
Trade debts44€887
Suppliers440/4€887
Taxes, remuneration and social security45€3,224
Taxes450/3€3,224
Other amounts payable47/48€8,770
Line2025
Profit (loss) for the period9904€11,659
Operating cash flow (approximation)€11,659

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
27-08
State Gazette act Appointment: Toussi Nadia (director)
Officer acceptance · Power of attorney5 facts ▸
  • General meeting, 07-08-2026
  • Director appointment, Toussi Nadia (director)
  • Officer acceptance, administrateur
  • Power of attorney, J.Jordens srl
  • Power of attorney, Serge Solau
13-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
State Gazette actNBB filing
1 of 3 acts read
About the unread acts

Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 director, last change in 2026
Toussi Nadia
Director · since 10-08-2026
Current
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ. See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
2 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Seraing · 2 establishment units since 2025
seat establishment 1 of 2 establishment units on the map
Ground area
618 m²
Building footprint
81 m²
Volume, LiDAR
457 m³
Parcel 62343C0007/00G099, Wallonia · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
2 establishment units
RT CONSTRUCT ET FILS
Rue de la Tulipe 53, 4102 SeraingGeneral construction of other non-residential buildings
since 20252.369.198.670
Le pain des arts
Avenue Wuidar 70, 4102 SeraingRetail sale of bread and pastry (bakery outlets)
since 20262.385.387.475
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62343C0007/00G099 Wallonia 618 m² 1 · 81 m² 7.5 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Mandate history

1 person since 2026, 1 in office
Show
  • Board
Mandates per person, with start and end dates
Name Functions and periods
Toussi Nadia
  • Director, from 10-08-2026 to date
See the board, name and seat on a given date →

Structure & network

Connections & network

1 current director
Depth

The network starts from this company’s directors. Other companies they run appear here as nodes.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, scroll to zoom.

Recognitions · licences · registrations

Food safety, FASFC

1 site
Seraing2.385.387.475
1 permission
Toelating · Detailhandel · since 10-08-2026

Similar companies · same sector, comparable size

Of 24,517 companies in sector 82990 we hold annual accounts for 9,415. 5,505 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded22-01-2025
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
41003General construction of other non-residential buildings
43320Joinery installation
E-invoicing
Reachable via Peppol
Peppol ID 0208:1019065667
Registered 27-03-2026

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.