RT INVESTS
ActiveSummary
RT INVESTS has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €270,546 and a net result of €122,967. Equity has been stable since 2020 (±0.7% per year). Its solvency ranks better than 48% of 17,145 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 18-07-2019 Normal situation
- Activity
- Real estate agency activities NACE 68310and 2 others
- Establishment unit
- 2.302.631.629 1400 Nivelles, since 18-07-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 20-08-2025
Board and ownership
- TROCH RAPHAELDirector · since 18-07-2019
- Holdings
- Shares in 1 company TRIOR Nivelles
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.3%
- Gross margin
- €282,934
- ▲ 38.2%
- Turnover
- ≈ €670,000
- estimated
- Profit
- €122,967
- ▲ 124%
- Equity
- €270,546
- ▲ 83.3%
- Total assets
- €1.0m
- ▲ 3.8%
- Staff
- ≈ 1 FTE
- estimated
- 2025 accounts filed 21 days after the deadline
Score breakdownraises risk1 change of registered office in 24 monthslowers riskSize: total assets €1.0mSector: Real estate activities (NACE 68)Figures for financial year 2025 (filed on 25-08-2026)Show the evidence
Checked score
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 46% of them on solvency, 34% on liquidity, 81% on profitability and 90% on growth.
The bankruptcy probability was computed on 02-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 6 accounts on average 1 day after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 21 days after the deadline Filed on 21 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00419881.
Annual accounts 2025 filed on 21-08-2026 at the NBB all 6 filings
Amounts without an identifiable currency are taken as euros.
Every figure per financial year
The operating result for 2025 is 134% higher than in 2024 and the highest since 2021. It is the third rise in a row, after the fall in 2022.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Staff
| Item | 31-12-2021 | 31-12-2022 | 31-12-2023 |
|---|---|---|---|
| Employees at the balance-sheet date | 1 | 1 | 1 |
| full-time | 1 | 1 | 1 |
| in full-time equivalents | 1 | 1 | 1 |
| Average over the year, in full-time equivalents | 1 | 1 | 1 |
| On a permanent contract | 1 | 1 | 1 |
Source: social balance sheet in the 2021 to 2023 annual accounts
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €32,913 | €20,884 | €12,613 | €550,339 | €359,079 |
| Financial fixed assets | - | €200,000 | - | - | - |
| Depreciation and write-downs of the year | €14,523 | €13,183 | €12,152 | €71,745 | €33,276 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €10 | €1,667 | - | - | €1,469 | - |
| Remuneration, social security and pensions62 | - | €34,994 | €24,492 | €38,972 | €48,061 | €47,708 | ▼ 0.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,889 | €14,523 | €13,183 | €12,152 | €71,745 | €33,276 | ▼ 53.6% |
| Other operating charges640/8 | - | €576 | €461 | €946 | €1,179 | €6,148 | ▲ 421% |
| Gross operating margin9900 | €231,169 | €60,530 | €46,137 | €98,326 | €204,771 | €282,934 | ▲ 38.2% |
| Operating profit (loss)9901 | €218,437 | €10,437 | €8,001 | €46,257 | €83,786 | €195,802 | ▲ 134% |
| Financial income75/76B | - | €720 | €966 | €0 | €1 | €0 | ▼ 37.3% |
| Recurring financial income75 | €0 | €720 | €966 | €0 | €1 | €0 | ▼ 37.3% |
| Financial charges65/66B | - | €4,834 | €5,914 | €8,614 | €9,013 | €34,908 | ▲ 287% |
| Recurring financial charges65 | €1,451 | €4,834 | €5,914 | €8,614 | €9,013 | €34,908 | ▲ 287% |
| Profit (loss) for the period before taxes9903 | €216,986 | €6,323 | €3,054 | €37,643 | €74,773 | €160,895 | ▲ 115% |
| Income taxes67/77 | €39,269 | €5,976 | €977 | €22,048 | €19,932 | €37,927 | ▲ 90.3% |
| Profit (loss) for the period9904 | €177,717 | €348 | €2,077 | €15,596 | €54,841 | €122,967 | ▲ 124% |
| Profit (loss) for the period to be appropriated9905 | €177,717 | €348 | €2,077 | €15,596 | €54,841 | €122,967 | ▲ 124% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Assets | |||||||
| Total assets20/58 | €0.2m | €0.2m | €0.4m | €0.3m | €1.0m | €1.0m | ▲ 3.8% |
| Formation expenses20 | €0 | - | - | - | - | - | - |
| Fixed assets21/28 | €0.03m | €0.04m | €0.2m | €0.2m | €0.7m | €0.9m | ▲ 31.1% |
| Intangible fixed assets21 | €0 | - | - | - | - | - | - |
| Tangible fixed assets22/27 | €0.03m | €0.04m | €0.04m | €0.04m | €0.5m | €0.7m | ▲ 43.0% |
| Land and buildings22 | - | - | - | - | €0.4m | €0.7m | ▲ 75.2% |
| Plant, machinery and equipment23 | - | - | - | - | - | €0.001m | - |
| Furniture and vehicles24 | - | €0.02m | €0.02m | €0.02m | €0.04m | €0.02m | ▼ 58.2% |
| Leasing and similar rights25 | - | - | - | - | - | €0.04m | - |
| Other tangible fixed assets26 | - | €0.03m | €0.02m | €0.02m | €0.02m | €0.01m | ▼ 16.3% |
| Assets under construction and advance payments27 | - | - | - | - | €0.08m | €0 | ▼ 100% |
| Financial fixed assets28 | €0 | - | €0.2m | €0.2m | €0.2m | €0.2m | = |
| Current assets29/58 | €0.2m | €0.2m | €0.1m | €0.02m | €0.3m | €0.09m | ▼ 67.7% |
| Amounts receivable after more than one year29 | - | €0.04m | - | - | - | - | - |
| Trade receivables290 | - | €0.04m | - | - | - | - | - |
| Stocks and contracts in progress3 | €0 | - | - | - | €0.3m | €0 | ▼ 100% |
| Stocks30/36 | - | - | - | - | €0.3m | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | €0.05m | €0.02m | €0.02m | €0.001m | €0.004m | €0.08m | ▲ 18× |
| Trade receivables40 | - | €0.02m | €0.008m | - | - | €0.08m | - |
| Other amounts receivable41 | - | €0.004m | €0.01m | €0.001m | €0.004m | €49 | ▼ 98.9% |
| Current investments50/53 | €0 | - | - | - | - | - | - |
| Cash at bank and in hand54/58 | €0.1m | €0.1m | €0.1m | €0.02m | €0.004m | €0.009m | ▲ 130% |
| Deferred charges and accrued income490/1 | - | €0.003m | €328 | €371 | €0.001m | €0.002m | ▲ 65.9% |
| Equity and liabilities | |||||||
| Total equity and liabilities10/49 | €0.2m | €0.2m | €0.4m | €0.3m | €1.0m | €1.0m | ▲ 3.8% |
| Equity10/15 | €0.2m | €0.2m | €0.2m | €0.09m | €0.1m | €0.3m | ▲ 83.3% |
| Contributions10/11 | - | €0.003m | €0.003m | €0.003m | €0.003m | €0.003m | = |
| Profit (loss) carried forward14 | €0.2m | €0.2m | €0.2m | €0.09m | €0.1m | €0.3m | ▲ 85.1% |
| Amounts payable17/49 | €0.05m | €0.02m | €0.2m | €0.2m | €0.8m | €0.8m | ▼ 10.1% |
| Amounts payable after more than one year17 | - | - | €0.1m | €0.1m | €0.4m | €0.5m | ▲ 13.8% |
| Financial debts170/4 | - | - | €0.1m | €0.1m | €0.4m | €0.5m | ▲ 13.8% |
| Amounts payable within one year42/48 | €0.05m | €0.02m | €0.06m | €0.07m | €0.4m | €0.3m | ▼ 34.3% |
| Current portion of amounts payable after more than one year42 | - | - | €0.03m | €0.04m | €0.05m | €0.07m | ▲ 19.7% |
| Financial debts43 | - | €7 | - | - | €0.3m | €0.08m | ▼ 68.0% |
| Credit institutions430/8 | - | €7 | - | - | - | €0.03m | - |
| Other loans439 | - | - | - | - | €0.3m | €0.05m | ▼ 80.0% |
| Trade debts44 | €0.002m | €0.007m | €0.008m | €0.009m | €0.007m | €0.005m | ▼ 21.2% |
| Suppliers440/4 | - | €0.007m | €0.008m | €0.009m | €0.007m | €0.005m | ▼ 21.2% |
| Taxes, remuneration and social security45 | - | €0.01m | €0.01m | €0.03m | €0.02m | €0.04m | ▲ 98.4% |
| Taxes450/3 | - | €0.009m | €0.007m | €0.02m | €0.01m | €0.03m | ▲ 121% |
| Remuneration and social security454/9 | - | €0.004m | €0.004m | €0.005m | €0.006m | €0.009m | ▲ 49.5% |
| Other amounts payable47/48 | - | - | €0.009m | €0.001m | €0.09m | €0.09m | ▼ 1.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €177,717 | €348 | €2,077 | €15,596 | €54,841 | €122,967 | ▲ 124% |
| + Depreciation and write-downs630 | €8,889 | €14,523 | €13,183 | €12,152 | €71,745 | €33,276 | ▼ 53.6% |
| Operating cash flow (approximation) | €186,606 | €14,871 | €15,259 | €27,748 | €126,587 | €156,243 | ▲ 23.4% |
| Investment in fixed assets (approximation) | - | -€30,443 | -€209,323 | -€12,613 | -€550,339 | -€256,748 | ▲ 53.3% |
| Change in cash | - | -€48,405 | €11,670 | -€86,621 | -€19,099 | €4,862 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 2,684 companies had the same profile as RT INVESTS has now. Two years later, 97.3% were still going and 1.3% had gone bankrupt.
- Small
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of RT INVESTS itself: 0.3% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,684 companies, not a prediction for RT INVESTS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Filings with the National Bank (6)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 21-08-2026 | 2026-00419881 | |
| 31-12-2024 | micro format | 20-08-2025 | 2025-00408364 | |
| 31-12-2023 | micro format | 19-07-2024 | 2024-00264271 | |
| 31-12-2022 | micro format | 09-08-2023 | 2023-00324065 | |
| 31-12-2021 | micro format | 20-06-2022 | 2022-20072874 | |
| 31-12-2020 | micro format | 11-08-2021 | 2021-47900361 |
Board & ownership
Directors
Owners and capital
Owners
Network & group
Holdings and subsidiaries
1 holdingHoldings 1
- TRIOR NivellessubsidiarySourceown accounts 2025Equity €43,137 Profit of €15,459 in 2025 (profit of €81,431 in 2024) Checked score 8966.67%
Board mandates elsewhere
1 board mandateCompanies at the same address
2 other companiesConnections & network
1 current directorThe board mandates are listed under Board mandates elsewhere. The network lets you explore the same ties.
Timeline
Acts, filings and financial milestones
25-08
Gazette deed
Registered office moved from Tubize to NivellesPower of attorney3 points ▸
- General meeting, 01-07-2025
- Registered-office move, 1400 Nivelles, Chaussée de Bruxelles 154
- Power of attorney, SRL Moore Services Financiers
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
1 former office
- 1480 Tubize until 01-07-2025 · act of 25-08-2025
Activities
NACEBEL 2025Codes under NACEBEL 2008
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 25782C0002/00E003 | Wallonia | 658 m² | 1 · 169 m² | 8.4 m · 2 |