RUMARCO
ActiveSummary
RUMARCO has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €439k and a net result of €103k. Equity is growing by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 88% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability95▲+10
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 9.35 against 5.72 in 2024; short-term debt: 10% and cash: 3.8% of total assets), and 10% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
90%
Return on assets
21.1%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
on the day
2023
12 d late
2022
28 d late
2021
18 d early
2020
4 d early
2019
on the day
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€439k▼ 4.0%
2024 · €457k
Total assets
€488k▼ 11.2%
2024 · €549k
Net result
€103k▲ 44.6%
2024 · €71k
Working capital
€407k▼ 6.3%
2024 · €434k
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€109k▼ 39.8%€124k▲ 13.4%€58k▼ 53.1%€88k▲ 51.3%€144k▲ 64.3%
Net result€62k▼ 49.1%€83k▲ 34.4%€50k▼ 40.1%€71k▲ 43.2%€103k▲ 44.6%
Equity€387k▲ 13.5%€469k▲ 21.4%€473k▲ 0.8%€457k▼ 3.4%€439k▼ 4.0%
Total assets€421k▲ 11.9%€498k▲ 18.4%€490k▼ 1.7%€549k▲ 12.1%€488k▼ 11.2%
Debt€34k▼ 16.5%€29k▼ 15.9%€17k▼ 41.7%€92k▲ 452%€49k▼ 47.1%
Working capital€180k▲ 33.7%€254k▲ 41.3%€449k▲ 76.6%€434k▼ 3.2%€407k▼ 6.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 64% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €488k
Fixed assets
€32k ▲ 40.3%
Current assets
€455k ▼ 13.4%
Equity and liabilities €488k
Equity
€439k ▼ 4.0%
Debt
€49k ▼ 47.1%
Debt's share of the balance-sheet total falls from 16.8% to 10.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€151k▲
2024 · €93k
Cash flow
€110k▲
2024 · €76k
Current ratio
9.35▲
2024 · 5.72
Quick ratio
9.05▲
2024 · 5.56
Debt to equity
0.11▼
2024 · 0.20
ROE
23.4%▲
2024 · 15.6%
ROA
21.1%▲
2024 · 13.0%
Interest coverage
193.57▲
2024 · 114.43
Debt ≤ 1 year
€49k▼
2024 · €92k
Income taxes
€45k▲
2024 · €29k
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6k | €5k | €5k | €5k | €7k | ▲ 37.9% |
| Other operating charges640/8 | €1k | €1k | €1k | €1k | €2k | ▲ 63.1% |
| Gross operating margin9900 | €116k | €129k | €65k | €94k | €153k | ▲ 62.8% |
| Operating profit (loss)9901 | €109k | €124k | €58k | €88k | €144k | ▲ 64.3% |
| Financial income75/76B | €57 | €435 | €14k | €14k | €5k | ▼ 64.7% |
| Recurring financial income75 | €57 | €435 | €8k | €14k | €5k | ▼ 64.7% |
| Non-recurring financial income76B | - | - | €6k | €0 | - | - |
| Financial charges65/66B | €430 | €6k | €3k | €812 | €782 | ▼ 3.8% |
| Recurring financial charges65 | €430 | €418 | €668 | €812 | €782 | ▼ 3.8% |
| Non-recurring financial charges66B | - | €6k | €2k | €0 | - | - |
| Profit (loss) for the period before taxes9903 | €109k | €118k | €70k | €101k | €148k | ▲ 47.2% |
| Income taxes67/77 | €47k | €35k | €20k | €29k | €45k | ▲ 53.6% |
| Profit (loss) for the period9904 | €62k | €83k | €50k | €71k | €103k | ▲ 44.6% |
| Transfer from tax-exempt reserves789 | €11k | €0 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €72k | €83k | €50k | €71k | €103k | ▲ 44.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €421k | €498k | €490k | €549k | €488k | ▼ 11.2% |
| Fixed assets21/28 | €207k | €215k | €24k | €23k | €32k | ▲ 40.3% |
| Tangible fixed assets22/27 | €13k | €26k | €23k | €21k | €31k | ▲ 42.7% |
| Plant, machinery and equipment23 | €595 | €17k | €16k | €14k | €12k | ▼ 12.6% |
| Furniture and vehicles24 | €12k | €8k | €7k | €7k | €18k | ▲ 146% |
| Financial fixed assets28 | €194k | €190k | €2k | €2k | €2k | ▲ 5.0% |
| Current assets29/58 | €214k | €283k | €465k | €526k | €455k | ▼ 13.4% |
| Stocks and contracts in progress3 | €15k | €15k | €15k | €15k | €15k | = |
| Stocks30/36 | €15k | €15k | €15k | €15k | €15k | = |
| Amounts receivable within one year40/41 | €16k | €47k | €7k | €4k | €2k | ▼ 58.1% |
| Other amounts receivable41 | €16k | €47k | €7k | €4k | €2k | ▼ 58.1% |
| Current investments50/53 | - | - | €400k | €480k | €400k | ▼ 16.7% |
| Cash at bank and in hand54/58 | €180k | €217k | €36k | €24k | €19k | ▼ 22.0% |
| Deferred charges and accrued income490/1 | €3k | €3k | €8k | €3k | €20k | ▲ 591% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €421k | €498k | €490k | €549k | €488k | ▼ 11.2% |
| Equity10/15 | €387k | €469k | €473k | €457k | €439k | ▼ 4.0% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €380k | €463k | €467k | €451k | €433k | ▼ 4.0% |
| Non-distributable reserves130/1 | €2k | €2k | €0 | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €0 | - | - | - |
| Distributable reserves133 | €379k | €461k | €467k | €451k | €433k | ▼ 4.0% |
| Profit (loss) carried forward14 | - | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €34k | €29k | €17k | €92k | €49k | ▼ 47.1% |
| Amounts payable within one year42/48 | €34k | €29k | €17k | €92k | €49k | ▼ 47.0% |
| Current portion of amounts payable after more than one year42 | €13k | €10k | €7k | €7k | €10k | ▲ 49.3% |
| Trade debts44 | €528 | €3k | €2k | €2k | €3k | ▲ 42.7% |
| Suppliers440/4 | €528 | €3k | €2k | €2k | €3k | ▲ 42.7% |
| Taxes, remuneration and social security45 | €16k | €16k | €8k | €7k | €21k | ▲ 194% |
| Taxes450/3 | €16k | €16k | €8k | €7k | €21k | ▲ 194% |
| Other amounts payable47/48 | €4k | €0 | - | €76k | €14k | ▼ 80.9% |
| Accrued charges and deferred income492/3 | - | - | - | €73 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €62k | €83k | €50k | €71k | €103k | ▲ 44.6% |
| + Depreciation and write-downs630 | €6k | €5k | €5k | €5k | €7k | ▲ 37.9% |
| Operating cash flow (approximation) | €67k | €87k | €55k | €76k | €110k | ▲ 44.1% |
| Investment in fixed assets (approximation) | - | €-13k | €186k | €-4k | €-17k | ▼ 321% |
| Change in cash | - | €37k | €-182k | €-12k | €-5k | ▲ 54.3% |
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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
31-12
Financial
Weakest financial yearnet €50k ▼40.1%
Net result drops to €50k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 27.94
Current ratio from 9.90 to 27.94; short-term debt falls from €29k to €17k.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity triplescurrent ratio 4.31
Current ratio from 1.49 to 4.31; short-term debt falls from €96k to €41k.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Boechout · 1 establishment unit since 2010
Ground area
468 m²
Building footprint
117 m²
Parcel 11004B0210/00M000, Flanders. Linked by address, not a title deed.
1 establishment unit
Rumarco bvba
since 20102.185.207.486
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11004B0210/00M000 | Flanders | 468 m² | 1 · 117 m² | - |
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 82,632 companies in sector 70200 we hold annual accounts for 52,575. 35,679 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
Founded05-02-2010
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
64210Activities of holding companies
Scores and ratios are computed by Checked and are not a credit decision.