RTM KOELING
ActiveRTM KOELING has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €225k and a net result of €46k. Equity is growing by ~34.9% per year across the filed fiscal years. Its solvency ranks better than 55% of 3110 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+3
Solvency64▲+7
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity short (current ratio 0.92 against 0.84 in 2024; short-term debt: 37.5% and cash: 10.8% of total assets), and 61.3% of the assets are financed with debt.
Credit advice for your own amount and term
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 01
Relative position
BE, all sectors
reference
Sector 01
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
38.7%
Return on assets
7.9%
Age of the figures
9 mo
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 30-07-2026, 1 day ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
1 d early
2024
59 d early
2023
43 d late
2022
83 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€225k▲ 25.8%
2024 · €179k
2022: €21k
2023: €148k
2024: €179k
2022 → 2025
Total assets
€582k▲ 4.5%
2024 · €557k
2022: €269k
2023: €454k
2024: €557k
2022 → 2025
Net result
€46k▲ 50.0%
2024 · €31k
2022: €16k
2023: €127k
2024: €31k
2022 → 2025
Working capital
€-17k▲ 35.0%
2024 · €-27k
2022: €27k
2023: €66k
2024: €-27k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€21k-€148k▲ 606%€179k▲ 20.8%€225k▲ 25.8%
Operating result€22k-€168k▲ 660%€41k▼ 75.5%€66k▲ 61.0%
Net result€16k-€127k▲ 695%€31k▼ 75.8%€46k▲ 50.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 61% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €582k
Fixed assets
€381k▼ 9.3%
Current assets
€201k▲ 47.0%
Equity and liabilities €582k
Equity
€225k▲ 25.8%
Debt
€357k▼ 5.6%
The debt ratio falls from 67.9% to 61.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€148k▲
2024 · €112k
Cash flow
€128k▲
2024 · €101k
Solvency
38.7%▲
2024 · 32.1%
Current ratio
0.92▲
2024 · 0.84
Quick ratio
0.70▲
2024 · 0.15
Debt / equity
1.59▼
2024 · 2.11
ROE
20.5%▲
2024 · 17.2%
ROA
7.9%▲
2024 · 5.5%
Interest coverage
40.54▲
2024 · 17.39
Debt
€357k▼
2024 · €378k
Debt ≤ 1 year
€219k▲
2024 · €164k
Debt > 1 year
€139k▼
2024 · €215k
Income taxes
€17k▲
2024 · €4k
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€557k€582k▲
Fixed assets21/28€420k€381k▼
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€417k€379k▼
Plant, machinery and equipment23€47k€64k▲
Furniture and vehicles24€200k€148k▼
Other tangible fixed assets26€171k€133k▼
Assets under construction and advance payments27-€34k
Current assets29/58€137k€201k▲
Stocks and contracts in progress3€112k€48k▼
Stocks30/36€112k€48k▼
Amounts receivable within one year40/41€14k€70k▲
Trade receivables40€11k€66k▲
Other amounts receivable41€3k€4k▲
Cash at bank and in hand54/58€10k€63k▲
Deferred charges and accrued income490/1€66€20k▲
Equity and liabilities
Total equity and liabilities10/49€557k€582k▲
Equity10/15€179k€225k▲
Contributions10/11€5k€5k=
Reserves13-€46k
Distributable reserves133-€46k
Profit (loss) carried forward14€174k€174k=
Amounts payable17/49€378k€357k▼
Amounts payable after more than one year17€215k€139k▼
Financial debts170/4€215k€139k▼
Amounts payable within one year42/48€164k€219k▲
Current portion of amounts payable after more than one year42€77k€79k▲
Trade debts44€35k€47k▲
Suppliers440/4€35k€47k▲
Taxes, remuneration and social security45€4k€21k▲
Taxes450/3€4k€21k▲
Other amounts payable47/48€47k€72k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€71k€81k▲
Other operating charges640/8€60€460▲
Non-recurring operating charges66A-€27k
Gross operating margin9900€112k€175k▲
Operating profit (loss)9901€41k€66k▲
Financial income75/76B€0€270▲
Recurring financial income75€0€270▲
Financial charges65/66B€6k€4k▼
Recurring financial charges65€6k€4k▼
Profit (loss) for the period before taxes9903€35k€63k▲
Income taxes67/77€4k€17k▲
Profit (loss) for the period9904€31k€46k▲
Profit (loss) for the period to be appropriated9905€31k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€174k€220k▲
Profit (loss) brought forward from the previous period14P€143k€174k▲
Transfer to equity691/2-€46k
To other reserves6921-€46k
The notes to these accounts (16 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €225k ▲25.8%
4 profitable years in a row build equity to €225k.
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €179k ▲20.8%
3 profitable years in a row build equity to €179k.
12-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 43 days late
2023
31-12
Financial
Highest result since 2022net €127k ▲695%
Operating result €168k, net result €127k, both a record.
31-12
Financial
Equity above €100kEq €148k ▲606%
2 profitable years in a row build equity to €148k.
09-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Geetbets · 1 establishment unit since 2022
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.
Kraaistraat 473454 GeetbetsGround area
3,190 m²
Building footprint
257 m²
Volume, LiDAR
959 m³
Parcel 24095C0261/00Z000, Flanders · tallest building 5.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
RTM KOELING
since 20222.329.275.549
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24095C0261/00Z000 | Flanders | 3,190 m² | 1 · 257 m² | 5.8 m · 1 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 14,866 EUR awarded · 14,866 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 7,841 EUR | 7,841 EUR |
| 2023 | 1 | 7,025 EUR | 7,025 EUR |
Schemes
Brede weersverzekering
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Of 1,345 companies in sector 01240 we hold annual accounts for 321. 268 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-03-2022
Fiscal year end31-12
Activities, NACEBEL
01240Growing of pome and stone fruits
01410Raising of dairy cattle
01471Crop and animal production, hunting and related service activities
01610Support activities for crop production
01620Support activities for animal production
10392Manufacture of food products
52100Warehousing and storage
82920Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.