Summary
RUMA 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 €301,083 and a net result of -€2,680. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 73% of 8048 sector peers (fiscal year 2025). The company has been active since 2011 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 30-09-2025 was due by 30-04-2026 and was filed on 27-04-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
42 d early
2023
8 d early
2022
34 d early
2021
45 d early
2020
4 d late
2018
28 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
26-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€301,083▼ 0.9%
2024 · €303,763
Net result
-€2,680▲ 87.3%
2024 · -€21,148
Total assets
€396,559▲ 1.0%
2024 · €392,715
Solvency
75.9%▼ 1.4pp
2024 · 77.3%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€1,962▼ 99.7%€17,836▲ 809%-€22,918-€26,930▼ 17.5%-€13,338▲ 50.5%
Net result€395▼ 99.9%€10,494▲ 2,556%-€23,182-€21,148▲ 8.8%-€2,680▲ 87.3%
Equity€337,599▲ 0.1%€348,093▲ 3.1%€324,911▼ 6.7%€303,763▼ 6.5%€301,083▼ 0.9%
Total assets€437,853▼ 23.9%€434,801▼ 0.7%€412,061▼ 5.2%€392,715▼ 4.7%€396,559▲ 1.0%
Debt€100,254▼ 57.9%€86,708▼ 13.5%€87,150▲ 0.5%€88,952▲ 2.1%€95,476▲ 7.3%
Working capital€424,424▲ 0.1%€429,093▲ 1.1%€405,911▼ 5.4%€386,113▼ 4.9%€384,783▼ 0.3%
Solvency77.1%▲ 18.5pp80.1%▲ 3.0pp78.9%▼ 1.2pp77.3%▼ 1.5pp75.9%▼ 1.4pp
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €13,338 in 2025 against €26,930 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €396,559
Equity
€301,083 ▼ 0.9%
Debt
€95,476 ▲ 7.3%
Debt's share of the balance-sheet total rises from 22.7% to 24.1%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-0.9%▲
2024 · -7.0%
ROA
-0.7%▲
2024 · -5.4%
Debt ≤ 1 year
€11,776▲
2024 · €6,602
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 |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | - | €178 | €457 | €502 | €507 | ▲ 1.0% |
| Gross operating margin9900 | €1,962 | €18,014 | -€22,462 | -€26,428 | -€12,831 | ▲ 51.4% |
| Operating profit (loss)9901 | €1,962 | €17,836 | -€22,918 | -€26,930 | -€13,338 | ▲ 50.5% |
| Financial income75/76B | - | - | €1 | €5,921 | €10,851 | ▲ 83.3% |
| Recurring financial income75 | €1,556 | - | €1 | €5,921 | €10,851 | ▲ 83.3% |
| Financial charges65/66B | - | €1,933 | €264 | €138 | €193 | ▲ 39.0% |
| Recurring financial charges65 | €3,163 | €1,933 | €264 | €138 | €193 | ▲ 39.0% |
| Profit (loss) for the period before taxes9903 | €356 | €15,903 | -€23,182 | -€21,148 | -€2,680 | ▲ 87.3% |
| Income taxes67/77 | -€40 | €5,409 | €0 | - | - | - |
| Profit (loss) for the period9904 | €395 | €10,494 | -€23,182 | -€21,148 | -€2,680 | ▲ 87.3% |
| Profit (loss) for the period to be appropriated9905 | €395 | €10,494 | -€23,182 | -€21,148 | -€2,680 | ▲ 87.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €437,853 | €434,801 | €412,061 | €392,715 | €396,559 | ▲ 1.0% |
| Current assets29/58 | €437,853 | €434,801 | €412,061 | €392,715 | €396,559 | ▲ 1.0% |
| Amounts receivable within one year40/41 | €71,871 | €98,668 | €164,041 | €182,622 | €356,962 | ▲ 95.5% |
| Trade receivables40 | - | - | - | €1,150 | €1,150 | = |
| Other amounts receivable41 | - | €98,668 | €164,041 | €181,473 | €355,813 | ▲ 96.1% |
| Cash at bank and in hand54/58 | €365,753 | €335,902 | €248,020 | €210,093 | €39,597 | ▼ 81.2% |
| Deferred charges and accrued income490/1 | - | €230 | €0 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €437,853 | €434,801 | €412,061 | €392,715 | €396,559 | ▲ 1.0% |
| Equity10/15 | €337,599 | €348,093 | €324,911 | €303,763 | €301,083 | ▼ 0.9% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €296,202 | €306,696 | €306,696 | €306,696 | €306,696 | = |
| Non-distributable reserves130/1 | - | €1,202 | €1,202 | €1,202 | €1,202 | = |
| Reserves not available under the articles1311 | - | €1,202 | - | - | - | - |
| Other1319 | - | - | €1,202 | €1,202 | €1,202 | = |
| Distributable reserves133 | - | €305,494 | €305,494 | €305,494 | €305,494 | = |
| Profit (loss) carried forward14 | €35,197 | €35,197 | €12,015 | -€9,132 | -€11,813 | ▼ 29.3% |
| Amounts payable17/49 | €100,254 | €86,708 | €87,150 | €88,952 | €95,476 | ▲ 7.3% |
| Amounts payable within one year42/48 | €13,429 | €5,708 | €6,150 | €6,602 | €11,776 | ▲ 78.4% |
| Trade debts44 | €1,449 | €414 | €6,149 | €6,600 | €11,776 | ▲ 78.4% |
| Suppliers440/4 | - | €414 | €6,149 | €6,600 | €11,776 | ▲ 78.4% |
| Taxes, remuneration and social security45 | - | €5,293 | €1 | €1 | €0 | ▼ 100% |
| Taxes450/3 | - | €5,293 | €1 | €1 | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | - | €81,000 | €81,000 | €82,350 | €83,700 | ▲ 1.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €395 | €10,494 | -€23,182 | -€21,148 | -€2,680 | ▲ 87.3% |
| Operating cash flow (approximation) | €395 | €10,494 | -€23,182 | -€21,148 | -€2,680 | ▲ 87.3% |
| Change in cash | - | -€29,851 | -€87,882 | -€37,928 | -€170,495 | ▼ 350% |
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
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet -€23,182
Net result drops to -€23,182, the lowest in the series; recovery starts the following year.
27-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Liquidity doublescurrent ratio 76.18
Current ratio from 32.60 to 76.18; short-term debt falls from €13,429 to €5,708.
16-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Liquidity times 9current ratio 32.60
Current ratio from 3.80 to 32.60; short-term debt falls from €151,458 to €13,429.
04-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 4 days late
2020
30-09
Financial
Back to profitnet €394,237
Net result €394,237 after one loss-making year.
30-09
Financial
Liquidity times 7current ratio 3.80
Current ratio from 0.55 to 3.80.
30-09
Financial
Equity above €200,000Eq €337,204
Equity rises from -€12,033 to €337,204.
Show earlier events
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
18-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
27-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Kasterlee · 1 establishment unit since 2011
Ground area
410 m²
Building footprint
159 m²
Volume, LiDAR
655 m³
Parcel 13017F0246/00X000, Flanders · tallest building 8.7 m, ±1 floor. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
Ruma
since 20112.202.638.584
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13017F0246/00X000 | Flanders | 410 m² | 1 · 159 m² | 8.7 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.
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Of 24,730 companies in sector 64210 we hold annual accounts for 19,772. 13,777 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
Founded06-06-2011
Fiscal year end30-09
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
82100Office administrative and support services
Scores and ratios are computed by Checked and are not a credit decision.