RUMEXPERTS
ActiveRUMEXPERTS has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.65M and a net result of €-95k. Equity is growing by ~23.5% per year across the filed fiscal years. Its solvency ranks better than 83% of 1256 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
73
/ 100
Healthy▲ +11 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-35
Solvency100▲+33
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120k at 30 days acceptable
Liquidity ample (current ratio 5.74 against 0.74 in 2024), and 17% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 72
Relative position
BE, all sectors
reference
Sector 72
lower
← 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
83%
Return on assets
-4.8%
Age of the figures
8 mo
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 08-07-2026, 23 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
23 d early
2024
30 d early
2023
34 d early
2022
11 d early
2021
20 d early
2020
23 d early
← before the deadline
after the deadline →
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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.65M▲ 462%
2024 · €294k
2020: €47k
2021: €450k
2022: €349k
2023: €273k
2024: €294k
2020 → 2025
Total assets
€1.99M▲ 234%
2024 · €595k
2020: €81k
2021: €499k
2022: €402k
2023: €473k
2024: €595k
2020 → 2025
Net result
€-95k
2024 · €21k
2020: €11k
2021: €-4k
2022: €-101k
2023: €-76k
2024: €21k
2020 → 2025
Working capital
€1.18M
2024 · €-78k
2020: €22k
2021: €281k
2022: €188k
2023: €36k
2024: €-78k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€450k-€349k▼ 22.5%€273k▼ 21.8%€294k▲ 7.5%€1.65M▲ 462%
Operating result€-2k-€-99k▼ 4,131%€-82k▲ 17.4%€24k€-102k
Net result€-4k-€-101k▼ 2,224%€-76k▲ 24.9%€21k€-95k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €102k after €24k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.99M
Fixed assets
€563k▲ 51.2%
Current assets
€1.43M▲ 541%
Equity and liabilities €1.99M
Equity
€1.65M▲ 462%
Provisions
€35k
Debt
€303k▲ 0.7%
The debt ratio falls from 50.6% to 15.2%: equity grows faster than debt.
Key figures and ratios
EBITDA
€129k▼
2024 · €165k
Cash flow
€137k▼
2024 · €162k
Solvency
83.0%▲
2024 · 49.4%
Current ratio
5.74▲
2024 · 0.74
Quick ratio
5.55▲
2024 · 0.74
Debt / equity
0.18▼
2024 · 1.03
ROE
-5.7%▼
2024 · 7.0%
ROA
-4.8%▼
2024 · 3.4%
Interest coverage
16.10▲
2024 · 13.09
Debt
€303k▲
2024 · €301k
Debt ≤ 1 year
€248k▼
2024 · €301k
Income taxes
€-15k▼
2024 · €-9k
Staff costs
€294k▲
2024 · €218k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€595k€1.99M▲
Fixed assets21/28€373k€563k▲
Intangible fixed assets21€356k€540k▲
Tangible fixed assets22/27€16k€23k▲
Plant, machinery and equipment23€14k€16k▲
Furniture and vehicles24€2k€8k▲
Current assets29/58€222k€1.43M▲
Stocks and contracts in progress3-€49k
Stocks30/36-€49k
Amounts receivable within one year40/41€177k€904k▲
Trade receivables40€59k€189k▲
Other amounts receivable41€118k€716k▲
Cash at bank and in hand54/58€7k€416k▲
Deferred charges and accrued income490/1€38k€55k▲
Equity and liabilities
Total equity and liabilities10/49€595k€1.99M▲
Equity10/15€294k€1.65M▲
Contributions10/11€444k€1.30M▲
Profit (loss) carried forward14€-150k€-245k▼
Investment grants15-€599k
Provisions and deferred taxes16-€35k
Provisions for liabilities and charges160/5-€35k
Environmental obligations163-€35k
Amounts payable17/49€301k€303k▲
Amounts payable within one year42/48€301k€248k▼
Financial debts43€160k€0▼
Credit institutions430/8€160k€0▼
Trade debts44€81k€207k▲
Suppliers440/4€81k€207k▲
Taxes, remuneration and social security45€59k€41k▼
Taxes450/3€590€0▼
Remuneration and social security454/9€58k€41k▼
Other amounts payable47/48€664€664=
Accrued charges and deferred income492/3€378€55k▲
Income statement
Code20242025
Remuneration, social security and pensions62€218k€294k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€142k€231k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8-€35k
Other operating charges640/8€618€3k▲
Gross operating margin9900€384k€461k▲
Operating profit (loss)9901€24k€-102k▼
Financial income75/76B€70€334▲
Recurring financial income75€70€334▲
Financial charges65/66B€13k€8k▼
Recurring financial charges65€13k€8k▼
Profit (loss) for the period before taxes9903€11k€-110k▼
Income taxes67/77€-9k€-15k▼
Profit (loss) for the period9904€21k€-95k▼
Profit (loss) for the period to be appropriated9905€21k€-95k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-150k€-245k▼
Profit (loss) brought forward from the previous period14P€-171k€-150k▲
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 8current ratio 5.74
Current ratio from 0.74 to 5.74; short-term debt falls from €301k to €248k.
31-12
Financial
Equity above €1MEq €1.65M ▲462%
Equity rises from €294k to €1.65M.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €21k
Net result €21k after 3 loss-making years.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-101k
Net result drops to €-101k, the lowest in the series; recovery starts the following year.
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity quadruplescurrent ratio 6.76
Current ratio from 1.64 to 6.76.
31-12
Financial
Equity above €200kEq €450k ▲859%
Equity rises from €47k to €450k.
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
11-02-2025
RAO Anne-Sophie: Resigned as Director
11-02-2025
THERON Léonard: Resigned as Director
Location & real-estate footprint
Registered office, Faimes · 1 establishment unit since 2020
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue des Bada 274317 FaimesGround area
1,350 m²
Building footprint
113 m²
Volume, LiDAR
849 m³
Parcel 61037B0087/00L000, Wallonia · tallest building 9.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
RUMEXPERTS
since 20202.298.415.790
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61037B0087/00L000 | Wallonia | 1,350 m² | 1 · 113 m² | 9.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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 756 companies in sector 72101 we hold annual accounts for 478. 267 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-01-2020
Fiscal year end31-12
Activities, NACEBEL
72101Research and development on biotechnology
75000Veterinary services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:info@rumexperts.vet
Phone:+32474035278