RUMEVA
ActiveSummary
RUMEVA has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-18k) and a net result of €-18k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 9234 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability26▼-22
Solvency22▼-3
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
short-term debt: 37.6% of total assets, and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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 2025Solvency, return and age of the figures
Solvency
-3.3%
Return on assets
-3.3%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-18k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
17 d late
2024
58 d late
2023
37 d late
2022
29 d late
2021
80 d late
2020
102 d late
2019
122 d late
← 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
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2025, abbreviated schema
In the rankings
#4 oldest company in Opwijk, Real estate sector
Equity
€-18k
2024 · €559
Total assets
€555k▼ 8.3%
2024 · €605k
Net result
€-18k
2024 · €25k
Working capital
€-192k▲ 8.7%
2023 · €-210k
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€-41k▼ 255%€-14k▲ 65.2%€30k€32k▲ 6.0%€-12k
Net result€-49k▼ 137%€-15k▲ 70.1%€23k€25k▲ 10.3%€-18k
Equity€-33k€-48k▼ 44.4%€-25k▲ 48.1%€559€-18k
Total assets€625k▲ 0.5%€617k▼ 1.2%€598k▼ 3.1%€605k▲ 1.2%€555k▼ 8.3%
Debt€658k▲ 8.6%€665k▲ 1.1%€623k▼ 6.4%€605k▼ 2.9%€573k▼ 5.3%
Working capital€-192k▲ 26.8%€-228k▼ 19.0%€-210k▲ 7.8%€-192k▲ 8.7%
Staff (FTE)1▼ 9.1%1=0.8▼ 20.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €12k after €32k in 2024.
Key figures and ratios
EBITDA
€7k
Cash flow
€2k
Solvency
-3.3%▼
2024 · 0.1%
Debt to equity
-31.68
ROA
-3.3%▼
2024 · 4.2%
Interest coverage
1.30
Debt ≤ 1 year
€208k▼
2024 · €222k
Debt > 1 year
€364k▼
2024 · €382k
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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €50k | €30k | €9k | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €21k | €21k | €21k | - | €20k | - |
| Other operating charges640/8 | €1k | €1k | €1k | €1k | €1k | ▲ 3.2% |
| Gross operating margin9900 | €31k | €38k | €62k | €33k | €9k | ▼ 73.0% |
| Operating profit (loss)9901 | €-41k | €-14k | €30k | €32k | €-12k | ▼ 139% |
| Financial income75/76B | €0 | €7k | - | - | - | - |
| Recurring financial income75 | €0 | €7k | - | - | - | - |
| Financial charges65/66B | €8k | €7k | €7k | €6k | €6k | ▼ 9.6% |
| Recurring financial charges65 | €8k | €7k | €7k | €6k | €6k | ▼ 9.6% |
| Profit (loss) for the period before taxes9903 | €-49k | €-15k | €23k | €25k | €-18k | ▼ 171% |
| Profit (loss) for the period9904 | €-49k | €-15k | €23k | €25k | €-18k | ▼ 171% |
| Profit (loss) for the period to be appropriated9905 | €-49k | €-15k | €23k | €25k | €-18k | ▼ 171% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €625k | €617k | €598k | €605k | €555k | ▼ 8.3% |
| Fixed assets21/28 | €620k | €616k | €594k | €575k | €555k | ▼ 3.5% |
| Intangible fixed assets21 | €18k | €15k | €12k | €9k | €9k | = |
| Tangible fixed assets22/27 | €602k | €601k | €582k | €566k | €546k | ▼ 3.5% |
| Land and buildings22 | €599k | €599k | €582k | €566k | €546k | ▼ 3.5% |
| Furniture and vehicles24 | €3k | €1k | - | - | - | - |
| Current assets29/58 | €5k | €2k | €3k | €31k | - | - |
| Cash at bank and in hand54/58 | €5k | €2k | €3k | €6k | - | - |
| Deferred charges and accrued income490/1 | - | - | - | €25k | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €625k | €617k | €598k | €605k | €555k | ▼ 8.3% |
| Equity10/15 | €-33k | €-48k | €-25k | €559 | €-18k | ▼ 3,336% |
| Contributions10/11 | €63k | €63k | €63k | €63k | €62k | ▼ 0.8% |
| Capital10 | €63k | €63k | €63k | €63k | €62k | ▼ 0.8% |
| Issued capital100 | €63k | €63k | €63k | €63k | €62k | ▼ 0.8% |
| Reserves13 | €3k | €3k | €3k | €3k | €3k | = |
| Non-distributable reserves130/1 | €3k | €3k | €3k | €3k | €3k | = |
| Legal reserve130 | - | €3k | €3k | €3k | €3k | = |
| Reserves not available under the articles1311 | €3k | - | - | - | - | - |
| Profit (loss) carried forward14 | €-99k | €-114k | €-91k | €-65k | €-83k | ▼ 27.9% |
| Amounts payable17/49 | €658k | €665k | €623k | €605k | €573k | ▼ 5.3% |
| Amounts payable after more than one year17 | €462k | €436k | €409k | €382k | €364k | ▼ 4.6% |
| Financial debts170/4 | €462k | €436k | €409k | €382k | €364k | ▼ 4.6% |
| Amounts payable within one year42/48 | €196k | €229k | €214k | €222k | €208k | ▼ 6.4% |
| Current portion of amounts payable after more than one year42 | €25k | €26k | €27k | €27k | €18k | ▼ 34.6% |
| Trade debts44 | €12k | €19k | €469 | - | - | - |
| Suppliers440/4 | €12k | €19k | €469 | - | - | - |
| Taxes, remuneration and social security45 | €6k | €8k | €1k | €865 | €865 | = |
| Taxes450/3 | €865 | €2k | €865 | €865 | €865 | = |
| Remuneration and social security454/9 | €5k | €6k | €149 | - | - | - |
| Other amounts payable47/48 | €153k | €176k | €185k | €194k | €190k | ▼ 2.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-49k | €-15k | €23k | €25k | €-18k | ▼ 171% |
| + Depreciation and write-downs630 | €21k | €21k | €21k | - | €20k | - |
| Operating cash flow (approximation) | €-29k | €7k | €44k | €25k | €2k | ▼ 93.2% |
| Investment in fixed assets (approximation) | - | €-17k | €0 | €20k | €0 | ▼ 100% |
| Change in cash | - | €-3k | €2k | €2k | - | - |
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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 17 days late
2025
27-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 58 days late
2024
31-12
Financial
Highest result since 2018net €25k ▲10.3%
Operating result €32k, net result €25k, both a record.
06-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 37 days late
2023
31-12
Financial
Back to profitnet €23k
Net result €23k after 3 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
19-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 80 days late
2021
31-12
Financial
Weakest financial yearnet €-49k
Net result drops to €-49k, the lowest in the series; recovery starts the following year.
10-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 102 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
2018
12-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
13-03
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 225 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Opwijk · 1 establishment unit since 2002
Ground area
362 m²
Building footprint
122 m²
Volume, LiDAR
842 m³
Parcel 23060B0764/00E002, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Rumeva
since 20022.113.209.435
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23060B0764/00E002 | Flanders | 362 m² | 1 · 122 m² | 10.4 m · 2 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.
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Of 11,756 companies in sector 68310 we hold annual accounts for 6,906. 403 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded23-08-1994
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
66220Insurance agents and brokers
Scores and ratios are computed by Checked and are not a credit decision.