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Complete company report
Generated 30-07-2026
Active BE 0445.080.243Public limited company

RUMANIM

Renbaanlaan 24 ·1050 Elsene, Belgium· 34 yrs active
Conclusion Checked

The computed 12-month bankruptcy probability of RUMANIM is 1.3% (low). The 2024 annual accounts show equity of €286k and a net result of €-16k. Equity is growing by ~10.3% per year across the filed fiscal years. The company has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.
Key figures
Equity €286k
Net result €-16k
Active 34 yrs
Locations 1
Snowflake analysis 5 axes · computed by Checked
Health33Profitability0Solvency51Growth52Stability100
47 / 100

Mixed profile: strong on stability, weaker on profitability.

Health 33
Profitability 0
Solvency 51
Growth 52
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
1.3% Low
0%0,5%1,5%4%10%≥25%
No NACE activity registered +Higher-failure-rate region +Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Long-established
Founded in 1991, 34 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2024 · computed
33 / 100 Weak
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 13-05-2025 with the NBB · fiscal year 2024 · micro
€-40k€-20k€0€20k€40kOperating result 2020: €4k€4kNet result 2020: €22k€22kOperating result 2021: €-30k€-30kNet result 2021: €-33k€-33kOperating result 2022: €9k€9kNet result 2022: €5k€5kOperating result 2023: €43k€43kNet result 2023: €39k€39kOperating result 2024: €-14k€-14kNet result 2024: €-16k€-16k20202021202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~10.3%/year over 7 fiscal years, indicative, assuming unchanged policy.
€100k€200k€300k€400k€500k2025: €316k (€282k - €350k)2026: €349k (€295k - €402k)2027: €384k (€310k - €459k)2018: €178k2019: €169k2020: €166k2021: €133k2022: €252k2023: €290k2024: €286k2018201920202021202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

EBITDA
€18k
-69.8% 18-24
Net profit
€-16k
- 18-24
Cash flow
€16k
-71.0% 18-24
Total assets
€732k
+12.5% 18-24
Equity
€286k
-1.3% 18-24
Working capital
€-168k
-11.9% 18-24
Debt
€389k
+34.3% 18-24
Debt ≤ 1y
€222k
+13.2% 18-24
Debt > 1y
€167k
+78.3% 18-24
Current ratio
0.25
+3.7% 18-24
Quick ratio
0.25
+3.7% 18-24
Solvency
39.1%
-12.3% 18-24
Debt / equity
1.36
+36.1% 18-24
ROE
-5.5%
- 18-24
ROA
-2.2%
- 18-24
Interest coverage
4.20
-49.2% 18-24
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA€18k
Net profit€-16k
Cash flow€16k
Staff costs-
Income taxes-
Dividends-
Total assets€732k
Equity€286k
Debt€389k
of which ≤ 1y€222k
of which > 1y€167k
Working capital€-168k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.25
Quick ratio0.25
Working capital ratio-22.9%
Solvency39.1%
Debt / equity1.36
Long-term debt ratio0.58
Interest coverage4.20
Gross margin-
Net margin-
ROA-2.2%
ROE-5.5%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€732k
Fixed assets 21/28€677k
Tangible fixed assets 22/27€677k
Current assets 29/58€54k
Amounts receivable within one year 40/41€49k
Cash & bank 54/58€6k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€732k
Equity 10/15€286k
Contributions / capital 10/11€62k
Reserves 13€175k
Accumulated profits (losses) 14€49k
Provisions & deferred taxes 16€56k
Amounts payable 17/49€389k
Amounts payable after one year 17€167k
Amounts payable within one year 42/48€222k
Trade debts payable within one year 44€1k
Income statement
Gross operating margin 9900€21k
Operating result 9901€-14k
Financial charges 65€4k
Result before taxes 9903€-18k
Net result for the period 9904€-16k
Result to be appropriated 9905€-9k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary -
Legal form Public limited company(014)
Incorporation18-09-1991
StatusActive
Postal code1050
Establishment units 1 location
RUMANIM SA
Renbaanlaan 24, 1050 ElseneVerhuur van woningen, exclusief sociale woningen
since 19912.054.741.595
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21443C0190/00H014 Brussels 330 m² 1 · 136 m² 19.1 m · 5 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
18-06-2025
State Gazette act Director changes
13-05-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
13-06-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
23-06-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
13-05-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
25-05-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
30-10-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
28-08-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
30-08-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
30-08-2017
NBB filing Annual accounts filed
fiscal year 2016 · micro
2016
17-08-2016
NBB filing Annual accounts filed
fiscal year 2015 · volledig
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2025
18-06-2025 3 directors appointed, 1 resigning Director changes
  • Nathalie LOBKOWICZ, Bestuurder
  • Jan d'Ursel, Bestuurder
  • Jan d'Ursel, Gedelegeerd bestuurder
  • Jan d'Ursel, Bestuurder
Technical details 
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      "subkind": null,
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      "statutory": "statutair",
      "compensated": null,
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      "evidence_quote": "L\u0027assembl\u00E9e a pris acte de la d\u00E9mission de Monsieur Jan d\u0027Ursel de son mandat d\u0027administrateur.",
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      "decharge_status": null,
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    {
      "kind": "delegation_dagelijks_bestuur_in",
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      "evidence_quote": "Les administrateurs ont nomm\u00E9 en qualit\u00E9 d\u0027administrateur d\u00E9l\u00E9gu\u00E9 la SA SORESTA (0421.799.649), repr\u00E9sent\u00E9e par Monsieur Jan d\u0027Ursel.",
      "decharge_status": null,
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    {
      "kind": "substantive_delegation",
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      },
      "reason": null,
      "subkind": "additional",
      "via_org": {
        "kbo": "0431.475.103",
        "name": "PME-CONSEILS",
        "address": "1180 Bruxelles, chauss\u00E9e d\u0027Alsemberg, 999",
        "country": "BE",
        "legal_form": "SA"
      },
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
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    "is_associated": false
  },
  "act_meta": {
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}
Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Names & trade names
Legal nameFR RUMANIM
Registered office
Renbaanlaan 24 bus 2
1050 Elsene, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative