RTM AGENCY
ActiveRTM AGENCY has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €146k and a net result of €15k. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 76% of 2685 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+27
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 4.02 against 5.73 in 2024; short-term debt: 24.9% and cash: 9.6% of total assets), and 24.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
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
75.1%
Return on assets
7.8%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year €146k
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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
30 d late
2023
72 d late
2022
254 d late
2021
37 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€15k▲ 704%
2024 · €2k
2021: €125k
2022: €6k
2023: €-7k
2024: €2k
2021 → 2025
Working capital
€146k▲ 11.7%
2024 · €130k
2021: €126k
2022: €133k
2023: €127k
2024: €130k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€129k-€135k▲ 5.0%€129k▼ 4.8%€130k▲ 1.5%€146k▲ 11.6%
Operating result€157k-€20k▼ 87.5%€6k▼ 67.6%€14k▲ 115%€20k▲ 42.5%
Net result€125k-€6k▼ 94.9%€-7k€2k€15k▲ 704%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 43% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €194k
Equity
€146k▲ 11.6%
Debt
€48k▲ 75.2%
The debt ratio rises from 17.4% to 24.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€20k▲
2024 · €15k
Cash flow
€15k▲
2024 · €3k
Solvency
75.1%▼
2024 · 82.6%
Current ratio
4.02▼
2024 · 5.73
Quick ratio
4.02▼
2024 · 5.73
Debt / equity
0.33▲
2024 · 0.21
ROE
10.4%▲
2024 · 1.4%
ROA
7.8%▲
2024 · 1.2%
Interest coverage
15.74▲
2024 · 3.76
Debt
€48k▲
2024 · €28k
Debt ≤ 1 year
€48k▲
2024 · €28k
Income taxes
€6k▼
2024 · €11k
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€158k€194k▲
Fixed assets21/28€12-
Tangible fixed assets22/27€12-
Furniture and vehicles24€12-
Current assets29/58€158k€194k▲
Amounts receivable after more than one year29€70k€70k=
Other amounts receivable291€70k€70k=
Amounts receivable within one year40/41€43k€70k▲
Trade receivables40€16k€45k▲
Other amounts receivable41€27k€25k▼
Current investments50/53€28k€28k=
Cash at bank and in hand54/58€11k€19k▲
Deferred charges and accrued income490/1€6k€8k▲
Equity and liabilities
Total equity and liabilities10/49€158k€194k▲
Equity10/15€130k€146k▲
Contributions10/11€4k€4k=
Reserves13€127k€142k▲
Distributable reserves133€127k€142k▲
Amounts payable17/49€28k€48k▲
Amounts payable within one year42/48€28k€48k▲
Trade debts44€11k€38k▲
Suppliers440/4€11k€38k▲
Taxes, remuneration and social security45€17k€10k▼
Taxes450/3€17k€10k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€12▼
Other operating charges640/8€842€528▼
Gross operating margin9900€16k€20k▲
Operating profit (loss)9901€14k€20k▲
Financial income75/76B€3k€3k▼
Recurring financial income75€3k€3k▼
Financial charges65/66B€4k€1k▼
Recurring financial charges65€4k€1k▼
Profit (loss) for the period before taxes9903€13k€21k▲
Income taxes67/77€11k€6k▼
Profit (loss) for the period9904€2k€15k▲
Profit (loss) for the period to be appropriated9905€2k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€15k▲
Transfer to equity691/2€2k€15k▲
To other reserves6921€2k€15k▲
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 · abbreviated schema · 31 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 30 days late
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
11-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 72 days late
10-04
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 254 days late
2023
31-12
Financial
Weakest financial yearnet €-7k ▼202%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
2022
06-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 37 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Vorst · 1 establishment unit since 2021
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.
Edisonstraat 371190 VorstGround area
90 m²
Building footprint
74 m²
Volume, LiDAR
1,112 m³
Parcel 21007A0049/00V008, Brussels · tallest building 18.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
RTM AGENCY
since 20212.313.831.763
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21007A0049/00V008 | Brussels | 90 m² | 1 · 74 m² | 18.9 m · 5 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.
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PROMISYS
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,392. 15,357 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-02-2021
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
47120Other non-specialised retail sale
47910Retail trade
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.