Losses
-€26,373 in three years
Every financial year from 2023 to 2025 closed with a loss. 2023 was the heaviest.
RUMAS
Lifetime
18 annual accounts with figures on one time axispeak €188,370 (2007)
€8,804▼ 15.5%
lowest -€72,760 (2008)
-€2,215▼ €474
peak €190,011 (2022)
€163,639▼ 1.3%
€95,169▼ 29.4%
peak 0 FTE (2022)
0 FTE
Board2 names since 2005
2 directorsDick Marleen and 1 other
Documentsfilings and deeds
30-04-2026on the last day
2025abbreviated format
Gross margin from €10,415 to €8,804Loss of €2,215Debts from €134,816 to €95,169
Key points
from the 2025 annual accountsFilings
18 annual accounts since 2007
Seven of the last ten came late. The 2020 accounts came latest: 433 days after the end of the period.
Position in the sector
-€2,215
Lower net result than 80% of companies in head offices and management consultancy. Sector median €37,473 · 10,857 companies.
Checked score
79
Excellent
Financially stronger than 29% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.5% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,572 companies (NACE 70, micro).
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 3.5%highest value
01-2025: 3.2%▼ -0.3 percentage points vs 12-2024
02-2025: 3.2%● unchanged vs 01-2025
03-2025: 3.0%▼ -0.2 percentage points vs 02-2025
04-2025: 3.0%● unchanged vs 03-2025
05-2025: 0.8%▼ -2.2 percentage points vs 04-2025
06-2025: 0.8%● unchanged vs 05-2025
07-2025: 0.8%● unchanged vs 06-2025
08-2025: 0.8%● unchanged vs 07-2025
09-2025: 0.8%● unchanged vs 08-2025
10-2025: 0.8%● unchanged vs 09-2025
11-2025: 0.8%● unchanged vs 10-2025
12-2025: 0.8%● unchanged vs 11-2025
01-2026: 0.8%● unchanged vs 12-2025
02-2026: 0.8%● unchanged vs 01-2026
03-2026: 0.7%▼ -0.1 percentage points vs 02-2026
04-2026: 0.8%▲ +0.1 percentage points vs 03-2026
05-2026: 0.5%▼ -0.3 percentage points vs 04-2026lowest value
06-2026: 0.5%● unchanged vs 05-2026lowest value
07-2026: 0.5%● unchanged vs 06-2026lowest value
08-2026: 0.5%● unchanged vs 07-2026lowest value
09-2026: 0.5%● unchanged vs 08-2026lowest value
10-2026: 0.5%● unchanged vs 09-2026lowest value
11-2026: 0.5%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Liquidity: current ratio 1.59, cash €1,115
1 of the last 3 accounts late
lowers risk
Size: total assets €427,219
Sector: Activities of head offices; management consultancy activities (NACE 70)
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, micro). It does better than 37% of them on solvency, 24% on liquidity, 20% on profitability and 37% on growth.
The bankruptcy probability was computed on 10-11-2026 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.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 12,322 companies had the same profile as RUMAS has now. Each dot stands for 31 companies, two years later.
90.3%
were still trading
8.5%
stopped another way
0.7%
went bankrupt
Another 0.5% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of RUMAS itself: 0.5% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 12,322 companies, not a prediction for RUMAS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €12,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.59 (1.5 in 2024), above the usual 1.5. Short-term debt is 20.4% and cash 0.3% of total assets. However, 61.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
1 day early
2023
303 days late
2022
159 days late
2021
173 days late
2020
433 days late
2019
343 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 201 days after 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 financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 6 October (4 of the last 5 accounts filed within 159 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end11-11-2026 today30-04-2027 deadline
Board and ownership
DM
Dick Marleen
Director, since 04-11-2005
SS
Schrurs Serge
Director, since 04-11-2005
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0877079542
General meeting · Director reappointment
Gazette deed
First establishment
Pijpestraat 18, Wevelgem
Incorporation
published on 16-11-2005 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| RUMAS Wevelgem | €427,219 | €8,804 | 38.3% | 0 |
| AREC Knokke-Heist | €282,742 | €10,551 | 75.2% | 0.1 |
| EXCEPTION MARKETING & CONSULTING Rixensart | €560,927 | €11,875 | -2.6% | 0 |
| Laulie Balen | €539,549 | €12,792 | 21.9% | 0 |
| CHA - VA INVEST Kortrijk | €560,280 | €9,883 | 43.2% | 0 |
| TAKE5 INNOVATION Beernem | €377,777 | €15,891 | 86.2% | 0 |
| TIMA INVEST Avelgem | €429,810 | €4,209 | 86.1% | 0 |
These companies have the same main activity as RUMAS: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €283,000 and €561,000, founded between 1994 and 2008.
Official details
Source: KBO- Status
- Active since 04-11-2005Normal situation
- Activity
- Business and other management consultancyNACE 70200
- Establishment unit
- 2.150.260.7628560 Wevelgem, since 29-11-2005
- Financial year end
- 30 September
- Peppol
- Reachable since 21-10-2026
Annual accounts to 30-09-2025
- ≈ €35,000estimated
- €427,219▼ 8.9%
- Filing
- Filed on 30-04-2026, on the last day of the filing period
Insights on RUMAS
RUMAS files the abbreviated format. That format states no turnover. The gross margin fell from €188,370 in 2007 to €8,804 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about RUMAS
- What is the company number of RUMAS?
- The company number of RUMAS is 0877.079.542. The VAT number is the same number with BE in front: BE 0877.079.542.
- Where is RUMAS based?
- The registered office is at Pijpestraat 18, 8560 Wevelgem.Company details
- What does RUMAS do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of RUMAS?
- RUMAS is a private limited company (pre-2019) (BVBA).
- When was RUMAS founded?
- RUMAS was founded on 04-11-2005.
- Is RUMAS still active?
- Yes, RUMAS is an active enterprise in the KBO register.
- What is the turnover of RUMAS?
- The turnover in financial year 2025 is ≈ €35,000. This figure is estimated from the gross margin of €8,804 and 140 comparable companies (NACE 70200). It probably lies between €15,000 and €88,000. It is a rough estimate.Financials
- Is RUMAS profitable?
- In financial year 2025, RUMAS made a loss of €2,215.
- Where can I find the annual accounts of RUMAS?
- RUMAS filed 18 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of RUMAS due?
- RUMAS must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
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