Skip to content

RUMANIM

Active
Public limited companyfounded 199135 yrs activeRenbaanlaan 24, 1050 Elsene, BelgiumKBO/BCE: BE 0445.080.243
Summary

RUMANIM has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €275,163 and a net result of -€11,204. Equity is growing by ~8.5% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.4% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability35▼-16
Solvency62▼-2
Growth52=
Track record100
Bankruptcy probability, 12 months
1.4% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13,000 at 30 days acceptable
Liquidity short (current ratio 0.2 against 0.25 in 2024; short-term debt: 29.3% and cash: 0.1% of total assets), and 62.9% of the assets are financed with debt.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 35 years 0 40 y
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
37.1%
Return on assets
-1.5%
Age of the figures
9 mo
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-09-2026, 60 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 · 10 filings
Deviation from the deadline
2025
60 d late
2024
79 d early
2023
48 d early
2022
38 d early
2021
79 d early
2020
67 d early
2019
91 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 23 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)
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. Usually files around 14 June (4 of the last 5 filed years within 32 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 18 September 1991, RUMANIM was incorporated.1 Total assets went from EUR 635,963 in 2018 to EUR 741,038 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

Go further with this company

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, abbreviated schema

Equity
€275,163▼ 3.9%
2024 · €286,367
Total assets
€741,038▲ 1.3%
2024 · €731,806
Net result
-€11,204▲ 29.4%
2024 · -€15,874
Working capital
-€174,493▼ 4.1%
2024 · -€167,563
Trend over the years
In euros
In euros
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result-€29,634€9,071€43,222▲ 376%-€13,801-€6,851▲ 50.4%
Net result-€33,451▼ 1,393%€5,260€38,559▲ 633%-€15,874-€11,204▲ 29.4%
Equity€132,830▼ 20.1%€251,625▲ 89.4%€290,185▲ 15.3%€286,367▼ 1.3%€275,163▼ 3.9%
Total assets€834,964▲ 47.0%€734,560▼ 12.0%€650,522▼ 11.4%€731,806▲ 12.5%€741,038▲ 1.3%
Debt€659,704▲ 84.9%€410,000▼ 37.9%€289,863▼ 29.3%€389,189▲ 34.3%€411,793▲ 5.8%
Working capital-€103,073▼ 74.4%-€80,560▲ 21.8%-€149,743▼ 85.9%-€167,563▼ 11.9%-€174,493▼ 4.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€40,000-€20,000€0€20,000€40,000Operating result 2021: -€29,634-€29,634Net result 2021: -€33,451-€33,451Operating result 2022: €9,071€9,071Net result 2022: €5,260€5,260Operating result 2023: €43,222€43,222Net result 2023: €38,559€38,559Operating result 2024: -€13,801-€13,801Net result 2024: -€15,874-€15,874Operating result 2025: -€6,851-€6,851Net result 2025: -€11,204-€11,20420212022202320242025-€20,000€0€20,000€40,000Operating result 2023: €43,222€43,200Net result 2023: €38,559€38,600Operating result 2024: -€13,801-€13,800Net result 2024: -€15,874-€15,900Operating result 2025: -€6,851-€6,850Net result 2025: -€11,204-€11,200202320242025
The operating result stays negative: a loss of €6,851 in 2025 against €13,801 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €741,038
Fixed assets €698,527 ▲ 3.1%
Current assets €42,511 ▼ 21.9%
Equity and liabilities €741,038
Equity €275,163 ▼ 3.9%
Provisions €54,082 ▼ 3.9%
Debt €411,793 ▲ 5.8%
Debt's share of the balance-sheet total rises from 53.2% to 55.6%. Equity is lower and debt is higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€14,169▼
2024 · €17,791
Cash flow
€9,816▼
2024 · €15,718
Current ratio
0.20▼
2024 · 0.25
Debt to equity
1.50▲
2024 · 1.36
ROE
-4.1%▲
2024 · -5.5%
ROA
-1.5%▲
2024 · -2.2%
Interest coverage
2.17▼
2024 · 4.20
Debt ≤ 1 year
€217,004▼
2024 · €222,010
Debt > 1 year
€194,789▲
2024 · €167,179
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 8,611 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 94% are still going.

  • Small
  • 20 years or older
  • solvency 30% or more
  • a small loss
0.4% went bankrupt
5.1% stopped otherwise
94% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 1.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 8,611 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet Code20242025
Assets
Total assets20/58€731,806€741,038▲
Fixed assets21/28€677,359€698,527▲
Tangible fixed assets22/27€677,359€698,527▲
Land and buildings22€662,359€683,527▲
Other tangible fixed assets26€15,000€15,000=
Current assets29/58€54,447€42,511▼
Amounts receivable within one year40/41€48,804€41,804▼
Other amounts receivable41€48,804€41,804▼
Cash at bank and in hand54/58€5,614€681▼
Deferred charges and accrued income490/1€29€26▼
Equity and liabilities
Total equity and liabilities10/49€731,806€741,038▲
Equity10/15€286,367€275,163▼
Contributions10/11€62,000€62,000=
Capital10€62,000€62,000=
Issued capital100€62,000€62,000=
Reserves13€175,023€168,520▼
Non-distributable reserves130/1€6,273€6,273=
Legal reserve130€6,200€6,200=
Reserves not available under the articles1311€73€73=
Tax-exempt reserves132€168,750€162,247▼
Profit (loss) carried forward14€49,344€44,643▼
Provisions and deferred taxes16€56,250€54,082▼
Deferred taxes168€56,250€54,082▼
Amounts payable17/49€389,189€411,793▲
Amounts payable after more than one year17€167,179€194,789▲
Financial debts170/4€167,179€194,789▲
Amounts payable within one year42/48€222,010€217,004▼
Current portion of amounts payable after more than one year42€14,359€6,668▼
Trade debts44€1,376-
Suppliers440/4€1,376-
Other amounts payable47/48€206,276€210,336▲
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31,592€21,020▼
Other operating charges640/8€2,825€3,146▲
Gross operating margin9900€20,616€17,315▼
Operating profit (loss)9901-€13,801-€6,851▲
Financial charges65/66B€4,241€6,521▲
Recurring financial charges65€4,241€6,521▲
Profit (loss) for the period before taxes9903-€18,041-€13,372▲
Transfer from deferred taxes780€2,168€2,168=
Profit (loss) for the period9904-€15,874-€11,204▲
Transfer from tax-exempt reserves789€6,503€6,503=
Profit (loss) for the period to be appropriated9905-€9,371-€4,701▲
Appropriation of the result
Profit (loss) to be appropriated9906€49,344€44,643▼
Profit (loss) brought forward from the previous period14P€58,715€49,344▼

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€64,899€18,142€15,660€31,592€21,020▼ 33.5%
Other operating charges640/8€3,332€3,947€3,323€2,825€3,146▲ 11.4%
Gross operating margin9900€38,597€31,160€62,205€20,616€17,315▼ 16.0%
Operating profit (loss)9901-€29,634€9,071€43,222-€13,801-€6,851▲ 50.4%
Financial charges65/66B€6,119€11,153€7,123€4,241€6,521▲ 53.8%
Recurring financial charges65€6,119€11,153€7,123€4,241€6,521▲ 53.8%
Profit (loss) for the period before taxes9903-€35,753-€2,081€36,099-€18,041-€13,372▲ 25.9%
Transfer from deferred taxes780€2,302€7,341€2,461€2,168€2,168=
Profit (loss) for the period9904-€33,451€5,260€38,559-€15,874-€11,204▲ 29.4%
Transfer from tax-exempt reserves789€4,699€15,688€6,210€6,503€6,503=
Profit (loss) for the period to be appropriated9905-€28,752€20,948€44,769-€9,371-€4,701▲ 49.8%
Line20212022202320242025Change
Assets
Total assets20/58€834,964€734,560€650,522€731,806€741,038▲ 1.3%
Fixed assets21/28€790,224€688,463€604,147€677,359€698,527▲ 3.1%
Tangible fixed assets22/27€790,224€688,463€604,147€677,359€698,527▲ 3.1%
Land and buildings22€775,224€673,463€589,147€662,359€683,527▲ 3.2%
Other tangible fixed assets26€15,000€15,000€15,000€15,000€15,000=
Current assets29/58€44,740€46,097€46,375€54,447€42,511▼ 21.9%
Amounts receivable within one year40/41€43,382€41,454€46,204€48,804€41,804▼ 14.3%
Other amounts receivable41€43,382€41,454€46,204€48,804€41,804▼ 14.3%
Cash at bank and in hand54/58€1,358€4,643€144€5,614€681▼ 87.9%
Deferred charges and accrued income490/1--€27€29€26▼ 9.2%
Equity and liabilities
Total equity and liabilities10/49€834,964€734,560€650,522€731,806€741,038▲ 1.3%
Equity10/15€132,830€251,625€290,185€286,367€275,163▼ 3.9%
Contributions10/11€62,000€62,000€62,000€62,000€62,000=
Capital10€62,000€62,000€62,000€62,000€62,000=
Issued capital100€62,000€62,000€62,000€62,000€62,000=
Reserves13€77,832€175,680€169,470€175,023€168,520▼ 3.7%
Non-distributable reserves130/1€6,273€6,273€6,273€6,273€6,273=
Legal reserve130€6,200€6,200€6,200€6,200€6,200=
Reserves not available under the articles1311€73€73€73€73€73=
Tax-exempt reserves132€71,559€169,407€163,197€168,750€162,247▼ 3.9%
Profit (loss) carried forward14-€7,002€13,946€58,715€49,344€44,643▼ 9.5%
Provisions and deferred taxes16€42,430€72,934€70,474€56,250€54,082▼ 3.9%
Deferred taxes168€42,430€72,934€70,474€56,250€54,082▼ 3.9%
Amounts payable17/49€659,704€410,000€289,863€389,189€411,793▲ 5.8%
Amounts payable after more than one year17€511,891€283,343€93,745€167,179€194,789▲ 16.5%
Financial debts170/4€511,891€283,343€93,745€167,179€194,789▲ 16.5%
Amounts payable within one year42/48€147,813€126,657€196,118€222,010€217,004▼ 2.3%
Current portion of amounts payable after more than one year42€29,112€9,413€9,598€14,359€6,668▼ 53.6%
Trade debts44€762€1,034€1,144€1,376--
Suppliers440/4€762€1,034€1,144€1,376--
Other amounts payable47/48€117,939€116,209€185,376€206,276€210,336▲ 2.0%
Line20212022202320242025Change
Profit (loss) for the period9904-€33,451€5,260€38,559-€15,874-€11,204▲ 29.4%
+ Depreciation and write-downs630€64,899€18,142€15,660€31,592€21,020▼ 33.5%
Operating cash flow (approximation)€31,447€23,402€54,220€15,718€9,816▼ 37.6%
Investment in fixed assets (approximation)-€83,619€68,656-€104,804-€42,188▲ 59.7%
Change in cash-€3,285-€4,499€5,470-€4,933▼ 190%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
29-09
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema · 60 days late
2025
13-05
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
13-06
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial Highest result since 2018net €38,559 ▲633%
Operating result €43,222, net result €38,559, both a record.
23-06
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial Back to profitnet €5,260
Net result €5,260 after 3 loss-making years.
31-12
Financial Equity above €200,000Eq €251,625 ▲89.4%
Equity rises from €132,830 to €251,625.
13-05
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial Weakest financial yearnet -€33,451
Net result drops to -€33,451, the lowest in the series; recovery starts the following year.
25-05
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
30-10
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
28-08
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
30-08
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
30-08
NBB filing Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
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.

Have them read with priority Sign in to place this company at the front of the reading queue.

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, Elsene · 1 establishment unit since 1991
seat establishment The establishment unit on the map
Ground area
330 m²
Building footprint
136 m²
Volume, LiDAR
1,987 m³
Parcel 21443C0190/00H014, Brussels · tallest building 19.1 m, ±5 floors. Linked by address, not a title deed.
3 companies at this address See who is registered here
1 establishment unit
RUMANIM SA
Renbaanlaan 24, 1050 ElseneNACE 70201
since 19912.054.741.595
1 parcel
Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21443C0190/00H014 Brussels 330 m² 1 · 136 m² 19.1 m · 5 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.

Identification & contact

Identification
Legal formPublic limited company
Founded18-09-1991
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

If you follow this company, Checked tells you the day it appears in the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.