RUMACHRIS
ActiveSummary
RUMACHRIS has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.5m and a net result of €201,390. Its solvency ranks better than 25% of 10,818 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 16-08-2023 Normal situation
- Activity
- Business and other management consultancy NACE 70200and 1 other
- Establishment unit
- 2.349.381.867 1731 Asse, since 16-08-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 25-11-2025
Board and ownership
Board
- DE COOMAN Rudi VictorDirector · since 16-08-2023
- VAN CAELENBERGH Christiane RenildeDirector · since 16-08-2023
- VAN CAELENBERGH Martine AgnèsDirector · since 16-08-2023
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.1%
Annual accounts 2025
- Gross margin
- €345,287
- ▼ 28.1%
- Turnover
- ≈ €520,000
- estimated
- Profit
- €201,390
- ▼ 83.9%
- Equity
- €1.5m
- ▲ 16.1%
- Total assets
- €6.5m
- ▲ 0.3%
Score breakdownraises riskLiquidity: current ratio 0.41, cash €142,255Founded in 2023lowers riskSize: total assets €6.5mSector: Activities of head offices; management consultancy activities (NACE 70)Show the evidence
Checked score
Score 2025
94
/ 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 51% of small companies in head offices and management consultancy (NACE 70)
Financial strength · tick: 2024
Average
Solvency
47+3
equity 22.4% of total assets
Liquidity
53+1
short-term debt 6.7% · cash 2.2%
Profitability
57-12
return on assets 3.1%
Bankruptcy probability within 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.4%● unchanged vs 12-2024
02-2025: 0.4%● unchanged vs 01-2025
03-2025: 0.5%▲ +0.1 percentage points vs 02-2025
04-2025: 0.5%● unchanged vs 03-2025
05-2025: 0.5%● unchanged vs 04-2025
06-2025: 0.5%● unchanged vs 05-2025
07-2025: 0.6%▲ +0.1 percentage points vs 06-2025highest value
08-2025: 0.1%▼ -0.5 percentage points vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025lowest value
10-2025: 0.1%● unchanged vs 09-2025lowest value
11-2025: 0.1%● unchanged vs 10-2025lowest value
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.2%▲ +0.1 percentage points vs 06-2026
08-2026: 0.1%▼ -0.1 percentage points vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Credit of up to €130,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.41 (0.46 in 2024), below 1. Short-term debt is 6.7% and cash 2.2% of total assets. 77.6% of the assets are financed with debt and provisions.
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 70, small). It does better than 23% of them on solvency, 64% on liquidity, 44% on profitability and 72% 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).
Credit check for an amount and term of your choice
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 10818 sector peers (2025).
NBB · sector comparisonPosition among 10818 sector peers
Solvency
better than 25%
← weakest
strongest →
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 03-07-2026, 28 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
28 days early
2024
15 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 22 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, abbreviated format
Annual accounts 2025 filed on 03-07-2026 at the NBB all 2 filings
Turnover
≈ €520,000
Estimated: probably between €410,000 and €950,000
Total assets
€6.5m▲ 0.3%
2024 · €6.5m
Net result
€201,390▼ 83.9%
2024 · €1.2m
Working capital
-€256,071▼ 35.4%
2024 · -€189,123
Multi-year overview
2024 to 2025, 2 financial yearsOperating result
€344,743
▼ 27.8%
2025
20242025
Net result
€201,390
▼ 83.9%
2025
highest quarter of the sector
20242025
Equity
€1.5m
▲ 16.1%
2025
highest quarter of the sector
20242025
Total assets
€6.5m
▲ 0.3%
2025
highest quarter of the sector
20242025
Debt
€5.0m
▼ 3.5%
2025
20242025
Working capital
-€256,071
▼ 35.4%
2025
lowest quarter of the sector
20242025
Solvency
22.4%
▲ 3.0pp
2025
lowest quarter of the sector
20242025
Current ratio
0.41
▼ 0.04
2025
lowest quarter of the sector
20242025
Return on assets (ROA)
3.1%
▼ 16.2pp
2025
middle half of the sector
20242025
Staff (FTE)
0
2025
middle half of the sector
20242025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line20242025
Operating result€0.5m-€0.3m▼ 27.8%
Net result€1.2mabove the sector's middle half-€0.2mabove the sector's middle half▼ 83.9%
Equity€1.2mwithin the sector's middle half-€1.5mabove the sector's middle half▲ 16.1%
Total assets€6.5mabove the sector's middle half-€6.5mabove the sector's middle half▲ 0.3%
Debt€5.2m-€5.0m▼ 3.5%
Working capital-€0.2mbelow the sector's middle half--€0.3mbelow the sector's middle half▼ 35.4%
Solvency19.3%below the sector's middle half-22.4%below the sector's middle half▲ 3.0pp
Current ratio0.46below the sector's middle half-0.41below the sector's middle half▼ 0.04
Return on assets (ROA)19.3%above the sector's middle half-3.1%within the sector's middle half▼ 16.2pp
Staff (FTE)0within the sector's middle half-0within the sector's middle half
above
within
below
The sector band is the middle half of the companies in Activities of head offices; management consultancy activities (NACE 70). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is 28% lower than in 2024.
Turnover and EBIT margin are not published. The abbreviated format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.5m
Fixed assets
€6.3m =
Current assets
€178,674 ▲ 13.0%
Equity and liabilities €6.5m
Equity
€1.5m ▲ 16.1%
Debt
€5.0m ▼ 3.5%
Debt's share of the balance-sheet total falls from 80.7% to 77.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€344,743▼
2024 · €479,250
Cash flow
€201,390▼
2024 · €1.2m
Debt to equity
3.47▼
2024 · 4.17
ROE
13.9%▼
2024 · 99.9%
Interest coverage
4.16▲
2024 · 3.12
Debt ≤ 1 year
€434,745▲
2024 · €347,300
Debt > 1 year
€4.6m▼
2024 · €4.9m
Income taxes
€60,463▼
2024 · €76,090
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Securities and guarantees
| Item | 2024 | 2025 |
|---|---|---|
| Debts secured on the company's own assets | €1.8m | €1.6m |
| Pledge on other assets, amount secured | €1.8m | €1.6m |
| Carrying value of the other pledged assets | €6.3m | €6.3m |
Source: notes to the 2024 to 2025 annual accounts (statement of debts and off-balance-sheet rights and commitments)
Investments
| Item | 2024 | 2025 |
|---|---|---|
| Financial fixed assets | €6.3m | - |
| Depreciation and write-downs of the year | €1,504 | €0 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €0.002m | €0 | ▼ 100% |
| Other operating charges640/8 | €0.001m | €0.001m | ▼ 46.4% |
| Gross operating margin9900 | €0.5m | €0.3m | ▼ 28.1% |
| Operating profit (loss)9901 | €0.5m | €0.3m | ▼ 27.8% |
| Financial income75/76B | €1.0m | €0 | ▼ 100% |
| Recurring financial income75 | €1.0m | €0 | ▼ 100% |
| Financial charges65/66B | €0.2m | €0.08m | ▼ 46.0% |
| Recurring financial charges65 | €0.2m | €0.08m | ▼ 46.0% |
| Profit (loss) for the period before taxes9903 | €1.3m | €0.3m | ▼ 80.2% |
| Income taxes67/77 | €0.08m | €0.06m | ▼ 20.5% |
| Profit (loss) for the period9904 | €1.2m | €0.2m | ▼ 83.9% |
| Profit (loss) for the period to be appropriated9905 | €1.2m | €0.2m | ▼ 83.9% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €6.5m | €6.5m | ▲ 0.3% |
| Fixed assets21/28 | €6.3m | €6.3m | = |
| Financial fixed assets28 | €6.3m | €6.3m | = |
| Current assets29/58 | €0.2m | €0.2m | ▲ 13.0% |
| Amounts receivable within one year40/41 | €0.07m | €0.04m | ▼ 50.0% |
| Trade receivables40 | €0.07m | €0.04m | ▼ 50.0% |
| Other amounts receivable41 | - | €3 | - |
| Current investments50/53 | €116 | €116 | = |
| Cash at bank and in hand54/58 | €0.09m | €0.1m | ▲ 66.5% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €6.5m | €6.5m | ▲ 0.3% |
| Equity10/15 | €1.2m | €1.5m | ▲ 16.1% |
| Contributions10/11 | €0.001m | €0.001m | = |
| Reserves13 | €1.2m | €1.4m | ▲ 16.1% |
| Non-distributable reserves130/1 | €116 | €116 | = |
| Own shares acquired1312 | €116 | €116 | = |
| Distributable reserves133 | €1.2m | €1.4m | ▲ 16.1% |
| Amounts payable17/49 | €5.2m | €5.0m | ▼ 3.5% |
| Amounts payable after more than one year17 | €4.9m | €4.6m | ▼ 5.5% |
| Financial debts170/4 | €4.9m | €4.6m | ▼ 5.5% |
| Amounts payable within one year42/48 | €0.3m | €0.4m | ▲ 25.2% |
| Current portion of amounts payable after more than one year42 | €0.3m | €0.3m | ▲ 4.9% |
| Trade debts44 | €245 | €0.001m | ▲ 192% |
| Suppliers440/4 | €245 | €0.001m | ▲ 192% |
| Taxes, remuneration and social security45 | €0.08m | €0.2m | ▲ 88.3% |
| Taxes450/3 | €0.08m | €0.2m | ▲ 88.3% |
| Other amounts payable47/48 | €0.01m | €0.01m | ▲ 18.5% |
| Accrued charges and deferred income492/3 | €0.001m | €0 | ▼ 100% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €1.2m | €0.2m | ▼ 83.9% |
| + Depreciation and write-downs630 | €0.002m | €0 | ▼ 100% |
| Operating cash flow (approximation) | €1.2m | €0.2m | ▼ 83.9% |
| Investment in fixed assets (approximation) | - | €0 | - |
| Change in cash | - | €0.06m | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Board & ownership
Directors
Directors
3 directors, no change since 2023
DE COOMAN Rudi Victor
Current
Statutory director · since 16-08-2023 · term without a fixed end · listed in the 2025 annual accounts, filed on 03-07-2026
VAN CAELENBERGH Christiane Renilde
Current
Statutory director · since 16-08-2023 · term without a fixed end · listed in the 2025 annual accounts, filed on 03-07-2026
VAN CAELENBERGH Martine Agnès
Current
Statutory director · since 16-08-2023 · term without a fixed end · listed in the 2025 annual accounts, filed on 03-07-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
“desbetreffende nieuwe bestuurder. Bevoegdheden Als er slechts één bestuurder is, is het geheel van de bevoegdheden van de bestuurders aan…”
deed of 18-08-2023Owners and capital
Shareholders
At incorporation
act of 18-08-2023 ↗
- DE COOMAN Rudi Victor founder
- VAN CAELENBERGH Christiane Renilde founder
- VAN CAELENBERGH Martine Agnès founder
- DE COOMAN Geert Gaston Lucie founder
- DE COOMAN Tom Paul Victoire founder
- DE COOMAN Christine founder
- VAN DER PERRE Christel founder
- VAN DER PERRE Karen founder
- DENAYER Lobke founder
- DENAYER Eefje founder
Capital transactions
Capital over time
- 18-08-2023 Incorporation · €77,000 · 770 shares
Mandate history
3 people, 3 in office
- Board
| Name | Functions and periods |
|---|---|
| DE COOMAN Rudi Victor |
|
| VAN CAELENBERGH Christiane Renilde |
|
| VAN CAELENBERGH Martine Agnès |
|
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Wettelijke erfgenamen-aandeelhouders mogen één niet-statutaire bestuurder voordragen zonder beperking van duur, overlijden, ontslag of…”
Articles of association, deed of 18-08-2023 (in Dutch)
Network & group
Holdings and subsidiaries
1 holdingHoldings 1
- Domaine de la SapiniéresubsidiarySourceown accounts 2025Equity €1.3m Profit of €30,755 in 2025 (loss of €115,446 in 2024) Checked score 84100%
Companies at the same address
2 other companiesConnections & network
3 current directorsThe network starts from the directors of RUMACHRIS. Every other company they run is a node.
This company
Company
Director
Shareholding
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Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
03-07
abbreviated format · 28 days before the deadline
2025
16-07
abbreviated format · 15 days before the deadline
2023
18-08
Gazette deed
IncorporationStarting capital €77,000 · Appointments: DE COOMAN Rudi Victor, VAN CAELENBERGH Christiane Renilde and VAN CAELENBERGH Martine Agnès · Founder18 points ▸
Gazette deed
Incorporation
Starting capital €77,000 · Appointments: DE COOMAN Rudi Victor, VAN CAELENBERGH Christiane Renilde and VAN CAELENBERGH Martine Agnès · Founder18 points ▸
- Incorporation, 16-08-2023
- Founder, DE COOMAN Rudi Victor
- Founder, VAN CAELENBERGH Christiane Renilde
- Founder, VAN CAELENBERGH Martine Agnès
- Founder, DE COOMAN Geert Gaston Lucie
- Founder, DE COOMAN Tom Paul Victoire
- Founder, DE COOMAN Christine
- Founder, VAN DER PERRE Christel
- Founder, VAN DER PERRE Karen
- Founder, DENAYER Lobke
- Founder, DENAYER Eefje
- Founding capital, €77,000
- The act holds 6 more points.
Gazette deedNBB filing
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
RUMACHRIS in Dutch
Enterprise number
0804.830.873
Legal form
Private limited company
Status
Active, normale toestand
Founded
16-08-2023
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 18-08-2023 (in Dutch)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaams Gewest, 1731 Zellik, Brusselsesteenweg 538”
deed of 18-08-2023 (in Dutch)Registered office and establishments
Registered office
Brusselsesteenweg 538, 1731 Asse, Belgium
Establishment unit
RUMACHRIS, Brusselsesteenweg 538, 1731 Asse since 16-08-2023 · unit number 2.349.381.867
Activities
NACEBEL 202570200
Business and other management consultancy main activity
82990
Other business support services
Codes under NACEBEL 2008
70220
Business consulting main activity
82990
Other business support services
Invoicing and payment
VAT number
BE 0804.830.873
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Third Monday of June at 14:00
deed of 18-08-2023 (in Dutch)Sites & property
Location
Buildings and parcels at the address
Ground area
3,660 m²
Building footprint
1,088 m²
Building volume
5,749 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 23095B0190/00F007 | Flanders | 3,660 m² | 1 · 1,088 m² | 9.6 m · 2 |