RUMANA
ActiveRUMANA has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €211k and a net result of €13k. Equity is growing by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 53% of 9715 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
68
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability71▲+13
Solvency59▲+2
Growth78=
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity short (current ratio 0.06 against 0.07 in 2023; short-term debt: 14.1% and cash: 0.9% of total assets), and 65.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-08-2025, 26 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
26 d late
2023
26 d early
2022
33 d early
2021
33 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€211k▲ 6.6%
2023 · €198k
2021: €189k
2022: €186k
2023: €198k
2021 → 2024
Total assets
€614k▼ 2.4%
2023 · €629k
2021: €340k
2022: €639k
2023: €629k
2021 → 2024
Net result
€13k▲ 3.7%
2023 · €13k
2021: €-31k
2022: €-3k
2023: €13k
2021 → 2024
Working capital
€-81k▼ 10.1%
2023 · €-74k
2021: €59k
2022: €-68k
2023: €-74k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€189k-€186k▼ 1.5%€198k▲ 6.8%€211k▲ 6.6%
Operating result€-31k-€108€21k▲ 19,321%€17k▼ 17.4%
Net result€-31k-€-3k▲ 90.9%€13k€13k▲ 3.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 17% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €614k
Fixed assets
€608k▼ 2.4%
Current assets
€5k▼ 1.9%
Equity and liabilities €614k
Equity
€211k▲ 6.6%
Debt
€402k▼ 6.6%
The debt ratio falls from 68.5% to 65.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€32k▼
2023 · €36k
Cash flow
€28k▲
2023 · €28k
Solvency
34.4%▲
2023 · 31.5%
Current ratio
0.06▼
2023 · 0.07
Quick ratio
0.06▼
2023 · 0.07
Debt / equity
1.90▼
2023 · 2.17
ROE
6.2%▼
2023 · 6.4%
ROA
2.1%▲
2023 · 2.0%
Interest coverage
7.78▲
2023 · 4.36
Debt
€402k▼
2023 · €431k
Debt ≤ 1 year
€87k▲
2023 · €79k
Debt > 1 year
€314k▼
2023 · €350k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€629k€614k▼
Formation expenses20€595€378▼
Fixed assets21/28€623k€608k▼
Tangible fixed assets22/27€623k€608k▼
Land and buildings22€623k€608k▼
Current assets29/58€6k€5k▼
Cash at bank and in hand54/58€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€629k€614k▼
Equity10/15€198k€211k▲
Contributions10/11€220k€220k=
Profit (loss) carried forward14€-22k€-9k▲
Amounts payable17/49€431k€402k▼
Amounts payable after more than one year17€350k€314k▼
Financial debts170/4€220k€193k▼
Other amounts payable178/9€130k€121k▼
Amounts payable within one year42/48€79k€87k▲
Current portion of amounts payable after more than one year42€46k€55k▲
Trade debts44€303€333▲
Suppliers440/4€303€333▲
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€2k€2k▼
Other amounts payable47/48€31k€29k▼
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k=
Other operating charges640/8€2k€2k▲
Gross operating margin9900€38k€35k▼
Operating profit (loss)9901€21k€17k▼
Financial charges65/66B€8k€4k▼
Recurring financial charges65€8k€4k▼
Profit (loss) for the period before taxes9903€13k€13k▲
Profit (loss) for the period9904€13k€13k▲
Profit (loss) for the period to be appropriated9905€13k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-22k€-9k▲
Profit (loss) brought forward from the previous period14P€-34k€-22k▲
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 26 days late
2024
31-12
Financial
Highest result since 2021net €13k ▲3.7%
Net result €13k, the highest in the series.
31-12
Financial
Equity above €200kEq €211k ▲6.6%
2 profitable years in a row build equity to €211k.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
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, Sint-Katelijne-Waver · 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.
Berlaarbaan 162 B2861 Sint-Katelijne-WaverGround area
5,451 m²
Building footprint
1,029 m²
Parcel 12027E0054/00Z000, Flanders. Linked by address, not a title deed.
1 establishment unit
RUMANA
since 20212.323.569.177
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12027E0054/00Z000 | Flanders | 5,450 m² | 1 · 1,029 m² | - |
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.
Similar companies · same sector, comparable size
IMMO DIJK
BE 0823.812.486
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SOCIETE IMMOBILIERE DE WALLONIE
BE 0819.501.035
Thuin · Eq €212k
Drukkerij Dhondt
BE 0427.997.454
Waregem · Eq €212k
TEYC NEXT
BE 0639.941.167
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ARBEFRY
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Of 12,018 companies in sector 68203 we hold annual accounts for 5,984. 4,284 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-10-2021
Fiscal year end31-12
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
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.