Summary
RT CONSULTING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €612,317 and a net result of -€19,942. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 66% of 2463 sector peers (fiscal year 2025). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 05-06-2026, 56 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
56 d early
2024
37 d early
2023
36 d early
2022
34 d early
2021
27 d early
2020
12 d early
2019
36 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 34 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 26 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€612,317▼ 9.1%
2024 · €673,826
Net result
-€19,942
2024 · €280,159
Total assets
€912,984▼ 2.5%
2024 · €935,990
Solvency
67.1%▼ 4.9pp
2024 · 72.0%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€57,807▲ 5.4%€78,775▲ 36.3%€55,098▼ 30.1%€431,202▲ 683%-€3,537
Net result€38,940within the sector's middle half▲ 4.8%€54,603within the sector's middle half▲ 40.2%€26,853within the sector's middle half▼ 50.8%€280,159above the sector's middle half▲ 943%-€19,942below the sector's middle half
Equity€511,537above the sector's middle half▲ 8.2%€416,498above the sector's middle half▼ 18.6%€409,753above the sector's middle half▼ 1.6%€673,826above the sector's middle half▲ 64.4%€612,317above the sector's middle half▼ 9.1%
Total assets€590,533within the sector's middle half▲ 6.4%€656,075within the sector's middle half▲ 11.1%€652,232within the sector's middle half▼ 0.6%€935,990above the sector's middle half▲ 43.5%€912,984above the sector's middle half▼ 2.5%
Debt€78,996▼ 4.4%€239,577▲ 203%€242,479▲ 1.2%€262,164▲ 8.1%€300,667▲ 14.7%
Working capital€487,438above the sector's middle half▲ 11.2%€359,843above the sector's middle half▼ 26.2%€365,397above the sector's middle half▲ 1.5%€644,026above the sector's middle half▲ 76.3%€595,469above the sector's middle half▼ 7.5%
Solvency86.6%above the sector's middle half▲ 1.5pp63.5%within the sector's middle half▼ 23.1pp62.8%within the sector's middle half▼ 0.7pp72.0%within the sector's middle half▲ 9.2pp67.1%within the sector's middle half▼ 4.9pp
Current ratio7.39above the sector's middle half▲ 0.892.54within the sector's middle half▼ 4.852.59within the sector's middle half▲ 0.053.59within the sector's middle half▲ 1.003.07within the sector's middle half▼ 0.52
Return on assets (ROA)6.6%within the sector's middle half▼ 0.1pp8.3%within the sector's middle half▲ 1.7pp4.1%within the sector's middle half▼ 4.2pp29.9%above the sector's middle half▲ 25.8pp-2.2%below the sector's middle half▼ 32.1pp
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
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 €3,537 after €431,202 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €912,984
Fixed assets
€30,205 ▼ 30.1%
Current assets
€882,779 ▼ 1.1%
Equity and liabilities €912,984
Equity
€612,317 ▼ 9.1%
Debt
€300,667 ▲ 14.7%
Debt's share of the balance-sheet total rises from 28.0% to 32.9%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-3.3%▼
2024 · 41.6%
Debt ≤ 1 year
€287,311▲
2024 · €248,746
Income taxes
€475▼
2024 · €133,554
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €13,512 | €12,357 | €13,628 | €13,758 | €13,014 | ▼ 5.4% |
| Other operating charges640/8 | €468 | €711 | €1,798 | €528 | €1,703 | ▲ 223% |
| Gross operating margin9900 | €71,786 | €91,843 | €70,524 | €445,488 | €11,180 | ▼ 97.5% |
| Operating profit (loss)9901 | €57,807 | €78,775 | €55,098 | €431,202 | -€3,537 | ▼ 101% |
| Financial income75/76B | €10 | €11,101 | €1,642 | €1,863 | €3,355 | ▲ 80.1% |
| Recurring financial income75 | €10 | €101 | €1,642 | €1,863 | €3,355 | ▲ 80.1% |
| Non-recurring financial income76B | - | €11,000 | €0 | - | - | - |
| Financial charges65/66B | €2,808 | €6,134 | €12,901 | €19,352 | €19,285 | ▼ 0.3% |
| Recurring financial charges65 | €2,808 | €6,134 | €12,901 | €19,352 | €19,285 | ▼ 0.3% |
| Profit (loss) for the period before taxes9903 | €55,009 | €83,742 | €43,839 | €413,713 | -€19,467 | ▼ 105% |
| Income taxes67/77 | €16,069 | €29,139 | €16,987 | €133,554 | €475 | ▼ 99.6% |
| Profit (loss) for the period9904 | €38,940 | €54,603 | €26,853 | €280,159 | -€19,942 | ▼ 107% |
| Profit (loss) for the period to be appropriated9905 | €38,940 | €54,603 | €26,853 | €280,159 | -€19,942 | ▼ 107% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €590,533 | €656,075 | €652,232 | €935,990 | €912,984 | ▼ 2.5% |
| Fixed assets21/28 | €26,765 | €62,662 | €56,977 | €43,219 | €30,205 | ▼ 30.1% |
| Tangible fixed assets22/27 | €26,765 | €62,662 | €56,977 | €43,219 | €30,205 | ▼ 30.1% |
| Land and buildings22 | €2,944 | €1,243 | €5,347 | €4,512 | €3,888 | ▼ 13.8% |
| Plant, machinery and equipment23 | €11,915 | €9,945 | €9,690 | €7,532 | €5,655 | ▼ 24.9% |
| Furniture and vehicles24 | €11,906 | €51,474 | €41,940 | €31,175 | €20,662 | ▼ 33.7% |
| Current assets29/58 | €563,768 | €593,413 | €595,255 | €892,771 | €882,779 | ▼ 1.1% |
| Amounts receivable within one year40/41 | €0 | €744 | €0 | €16,798 | €4,391 | ▼ 73.9% |
| Trade receivables40 | - | €744 | €0 | - | - | - |
| Other amounts receivable41 | €0 | - | - | €16,798 | €4,391 | ▼ 73.9% |
| Current investments50/53 | €451,040 | €210,173 | €210,367 | €410,592 | €640,938 | ▲ 56.1% |
| Cash at bank and in hand54/58 | €100,855 | €366,772 | €370,809 | €464,224 | €236,714 | ▼ 49.0% |
| Deferred charges and accrued income490/1 | €11,873 | €15,725 | €14,078 | €1,157 | €736 | ▼ 36.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €590,533 | €656,075 | €652,232 | €935,990 | €912,984 | ▼ 2.5% |
| Equity10/15 | €511,537 | €416,498 | €409,753 | €673,826 | €612,317 | ▼ 9.1% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €499,137 | €404,098 | €397,353 | €661,426 | €599,917 | ▼ 9.3% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €497,277 | €402,238 | €395,493 | €659,566 | €598,057 | ▼ 9.3% |
| Profit (loss) carried forward14 | - | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €78,996 | €239,577 | €242,479 | €262,164 | €300,667 | ▲ 14.7% |
| Amounts payable within one year42/48 | €76,330 | €233,570 | €229,858 | €248,746 | €287,311 | ▲ 15.5% |
| Trade debts44 | €3,496 | €115 | €1,547 | €14,577 | €1,016 | ▼ 93.0% |
| Suppliers440/4 | €3,496 | €115 | €1,547 | €14,577 | €1,016 | ▼ 93.0% |
| Taxes, remuneration and social security45 | €6,069 | €29,139 | €6,635 | €5,751 | €5,724 | ▼ 0.5% |
| Taxes450/3 | €6,069 | €29,139 | €6,635 | €5,751 | €5,724 | ▼ 0.5% |
| Other amounts payable47/48 | €66,765 | €204,316 | €221,676 | €228,417 | €280,571 | ▲ 22.8% |
| Accrued charges and deferred income492/3 | €2,666 | €6,007 | €12,621 | €13,418 | €13,357 | ▼ 0.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €38,940 | €54,603 | €26,853 | €280,159 | -€19,942 | ▼ 107% |
| + Depreciation and write-downs630 | €13,512 | €12,357 | €13,628 | €13,758 | €13,014 | ▼ 5.4% |
| Operating cash flow (approximation) | €52,452 | €66,960 | €40,481 | €293,917 | -€6,928 | ▼ 102% |
| Investment in fixed assets (approximation) | - | -€48,253 | -€7,944 | €0 | €0 | - |
| Change in cash | - | €265,916 | €4,038 | €93,415 | -€227,510 | ▼ 344% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€19,942
Net result drops to -€19,942, the lowest in the series.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €280,159 ▲943%
Operating result €431,202, net result €280,159, both a record.
31-12
Financial
Equity above €500,000Eq €673,826 ▲64.4%
7 profitable years in a row build equity to €673,826.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €500,000Eq €511,537 ▲8.2%
4 profitable years in a row build equity to €511,537.
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Lievegem · 1 establishment unit since 2005
Ground area
989 m²
Building footprint
188 m²
Volume, LiDAR
777 m³
Parcel 44080B0537/00G000, Flanders · tallest building 7.5 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
RT CONSULTING
since 20052.150.058.745
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44080B0537/00G000 | Flanders | 989 m² | 1 · 188 m² | 7.5 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 600 EUR awarded · 600 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 600 EUR | 600 EUR |
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Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. 2,491 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
Founded14-10-2005
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0876730837
Registered
20-03-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.