RUMEXPERTS
ActiveSummary
RUMEXPERTS has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.7m and a net result of -€94,682. Equity has been growing by about 23% per year since 2020. Its solvency ranks better than 84% of 1,598 sector peers (NACE 75, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 27-01-2020 Normal situation
- Activity
- Veterinary services NACE 75000and 1 other
- Establishment unit
- 2.298.415.790 4317 Faimes, since 27-01-2020
- Financial year end
- 31 December
- Peppol
- Reachable since 28-11-2024
Board and ownership
- AgriNami-Dr ThéronDirector · since 07-02-2025 · permanent representative THERON Léonard
- ASSOCIATION WALLONNE DES ELEVEURS-GROUPEDirector · since 07-02-2025 · permanent representative BERTOZZI Carlo
- Comité du laitDirector · since 07-02-2025 · permanent representative HEYMANS Jean François
Financial position
- Bankruptcy probabilitywithin 12 months
- < 0.1%
- Gross margin
- €461,104
- ▲ 20.2%
- Turnover
- ≈ €920,000
- estimated
- Loss
- €94,682
- Equity
- €1.7m
- ▲ 462%
- Total assets
- €2.0m
- ▲ 234%
- Employees on 31-12-2025
- 6
- ▲ 20.0%
Score breakdownraises riskLoss of €94,682 (financial year 2025)lowers riskSector: Veterinary activities (NACE 75)Size: total assets €2.0mFigures for financial year 2025 (filed on 08-07-2026)Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 75, micro). It does better than 88% of them on solvency, 63% on liquidity, 13% on profitability and 98% on growth.
The bankruptcy probability was computed on 03-11-2026 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.
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).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 6 accounts on average 24 days before the deadline. In the sector (NACE 75), the median for financial year 2024 was 6 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 08-07-2026 at the NBB all 6 filings
Every figure per financial year
The operating result for 2025 is a loss of €102,202, after a profit of €23,626 in 2024. It is the lowest result since 2021.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Staff
| Item | 31-12-2021 | 31-12-2022 | 31-12-2023 | 31-12-2024 | 31-12-2025 |
|---|---|---|---|---|---|
| Employees at the balance-sheet date | 2 | 3 | 4 | 5 | 6 |
| full-time | 0 | 2 | 3 | 4 | 4 |
| part-time | 2 | 1 | 1 | 1 | 2 |
| in full-time equivalents | 1.4 | 2.8 | 3.8 | 4.8 | 5.3 |
| Average over the year, in full-time equivalents | 1.2 | 2.5 | 3.6 | 4.6 | 5 |
| On a permanent contract | 1 | 1 | 3 | 4 | 5 |
| Joined | 4 | 3 | 7 | 4 | 4 |
| Left | 2 | 2 | 6 | 3 | 3 |
Source: social balance sheet in the 2021 to 2025 annual accounts
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €3,755 | €5,439 | €9,195 | €8,260 | €14,929 |
| Intangible fixed assets | €165,252 | €203,433 | €270,556 | €268,181 | €407,386 |
| Financial fixed assets | - | - | - | - | €0 |
| Depreciation and write-downs of the year | €25,342 | €213,781 | €177,572 | €141,669 | €231,497 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €35,487 | €107,148 | €151,924 | €217,791 | €293,830 | ▲ 34.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €29,235 | €25,342 | €213,781 | €177,572 | €141,669 | €231,497 | ▲ 63.4% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | - | - | - | €35,000 | - |
| Other operating charges640/8 | - | €1,450 | €3,514 | €1,771 | €618 | €2,979 | ▲ 382% |
| Gross operating margin9900 | €47,149 | €59,934 | €225,193 | €249,310 | €383,704 | €461,104 | ▲ 20.2% |
| Operating profit (loss)9901 | €14,598 | -€2,346 | -€99,250 | -€81,958 | €23,626 | -€102,202 | - |
| Financial income75/76B | - | €226 | €3 | €0 | €70 | €334 | ▲ 377% |
| Recurring financial income75 | €4 | €226 | €3 | €0 | €70 | €334 | ▲ 377% |
| Financial charges65/66B | - | €950 | €1,548 | €4,976 | €12,625 | €8,030 | ▼ 36.4% |
| Recurring financial charges65 | €1,302 | €950 | €1,548 | €4,976 | €12,625 | €8,030 | ▼ 36.4% |
| Profit (loss) for the period before taxes9903 | €13,301 | -€3,069 | -€100,795 | -€86,934 | €11,071 | -€109,897 | - |
| Income taxes67/77 | €2,349 | €1,286 | €433 | -€10,962 | -€9,446 | -€15,216 | ▼ 61.1% |
| Profit (loss) for the period9904 | €10,952 | -€4,355 | -€101,228 | -€75,972 | €20,517 | -€94,682 | - |
| Profit (loss) for the period to be appropriated9905 | €10,952 | -€4,355 | -€101,228 | -€75,972 | €20,517 | -€94,682 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Assets | |||||||
| Total assets20/58 | €0.08m | €0.5m | €0.4m | €0.5m | €0.6m | €2.0m | ▲ 234% |
| Fixed assets21/28 | €0.03m | €0.2m | €0.2m | €0.2m | €0.4m | €0.6m | ▲ 51.2% |
| Intangible fixed assets21 | €0.03m | €0.2m | €0.2m | €0.2m | €0.4m | €0.5m | ▲ 51.6% |
| Tangible fixed assets22/27 | - | €0.003m | €0.007m | €0.01m | €0.02m | €0.02m | ▲ 42.7% |
| Plant, machinery and equipment23 | - | €0.003m | €0.004m | €0.01m | €0.01m | €0.02m | ▲ 12.8% |
| Furniture and vehicles24 | - | €493 | €0.003m | €0.002m | €0.002m | €0.008m | ▲ 212% |
| Current assets29/58 | €0.06m | €0.3m | €0.2m | €0.2m | €0.2m | €1.4m | ▲ 541% |
| Stocks and contracts in progress3 | - | - | - | - | - | €0.05m | - |
| Stocks30/36 | - | - | - | - | - | €0.05m | - |
| Amounts receivable within one year40/41 | €0.02m | €0.02m | €0.08m | €0.2m | €0.2m | €0.9m | ▲ 412% |
| Trade receivables40 | - | €0.01m | €0.03m | €0.1m | €0.06m | €0.2m | ▲ 219% |
| Other amounts receivable41 | - | €0.007m | €0.04m | €0.07m | €0.1m | €0.7m | ▲ 509% |
| Cash at bank and in hand54/58 | €0.04m | €0.3m | €0.2m | €0.03m | €0.007m | €0.4m | ▲ 58× |
| Deferred charges and accrued income490/1 | - | €0.001m | €0.001m | €0.03m | €0.04m | €0.06m | ▲ 44.2% |
| Equity and liabilities | |||||||
| Total equity and liabilities10/49 | €0.08m | €0.5m | €0.4m | €0.5m | €0.6m | €2.0m | ▲ 234% |
| Equity10/15 | €0.05m | €0.5m | €0.3m | €0.3m | €0.3m | €1.7m | ▲ 462% |
| Contributions10/11 | - | €0.4m | €0.4m | €0.4m | €0.4m | €1.3m | ▲ 192% |
| Profit (loss) carried forward14 | €0.01m | €0.007m | -€0.09m | -€0.2m | -€0.2m | -€0.2m | ▼ 63.1% |
| Investment grants15 | - | - | - | - | - | €0.6m | - |
| Provisions and deferred taxes16 | - | - | - | - | - | €0.04m | - |
| Provisions for liabilities and charges160/5 | - | - | - | - | - | €0.04m | - |
| Environmental obligations163 | - | - | - | - | - | €0.04m | - |
| Amounts payable17/49 | €0.03m | €0.05m | €0.05m | €0.2m | €0.3m | €0.3m | ▲ 0.7% |
| Amounts payable within one year42/48 | €0.03m | €0.05m | €0.05m | €0.2m | €0.3m | €0.2m | ▼ 17.5% |
| Financial debts43 | - | - | - | €0.04m | €0.2m | €0 | ▼ 100% |
| Credit institutions430/8 | - | - | - | €0.04m | €0.2m | €0 | ▼ 100% |
| Trade debts44 | €0.03m | €0.03m | €0.02m | €0.1m | €0.08m | €0.2m | ▲ 155% |
| Suppliers440/4 | - | €0.03m | €0.02m | €0.1m | €0.08m | €0.2m | ▲ 155% |
| Taxes, remuneration and social security45 | - | €0.02m | €0.03m | €0.03m | €0.06m | €0.04m | ▼ 31.2% |
| Taxes450/3 | - | €0.009m | €0.003m | €0 | €0.001m | €0 | ▼ 100% |
| Remuneration and social security454/9 | - | €0.01m | €0.02m | €0.03m | €0.06m | €0.04m | ▼ 30.5% |
| Other amounts payable47/48 | - | €0.001m | €271 | €0.001m | €0.001m | €0.001m | = |
| Accrued charges and deferred income492/3 | - | €102 | €0.003m | €151 | €378 | €0.06m | ▲ 146× |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10,952 | -€4,355 | -€101,228 | -€75,972 | €20,517 | -€94,682 | - |
| + Depreciation and write-downs630 | €29,235 | €25,342 | €213,781 | €177,572 | €141,669 | €231,497 | ▲ 63.4% |
| Operating cash flow (approximation) | €40,187 | €20,987 | €112,553 | €101,600 | €162,186 | €136,816 | ▼ 15.6% |
| Investment in fixed assets (approximation) | - | -€169,007 | -€208,871 | -€251,212 | -€276,441 | -€422,315 | ▼ 52.8% |
| Change in cash | - | €273,136 | -€148,139 | -€127,867 | -€25,564 | €409,264 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 3,440 companies had the same profile as RUMEXPERTS has now. Two years later, 90.0% were still going and 2.3% had gone bankrupt.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a small loss
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of RUMEXPERTS itself is lower: < 0.1% within 12 months. It rests on far more data about RUMEXPERTS than the profile alone.
Test of the method
The method was tested on the 497,446 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 3,440 companies, not a prediction for RUMEXPERTS. 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.
Filings with the National Bank (6)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 08-07-2026 | 2026-00267146 | |
| 31-12-2024 | micro format | 01-07-2025 | 2025-00204972 | |
| 31-12-2023 | micro format | 27-06-2024 | 2024-00168697 | |
| 31-12-2022 | micro format | 20-07-2023 | 2023-00254108 | |
| 31-12-2021 | micro format | 11-07-2022 | 2022-20167984 | |
| 31-12-2020 | micro format | 08-07-2021 | 2021-32800150 |
Board & ownership
Directors
Board 6
Permanent representatives 5
Owners and capital
Shareholders
2 ownersOwners 2
- Sourceaccounts GESVAL 2021Equity €12.9m Profit of €1.1m in 2025 (profit of €4.5m in 2024) Checked score 9610.5%
- Equity €12.9m Profit of €3.0m in 2025 (profit of €3.1m in 2024) Checked score 937.1%
Capital transactions
- ASSOCIATION REGIONALE DE SANTE ET D'IDENTIFICATION ANIMALES - REGIONALE VEREINGUNG DER TIERGESUNDHEIT UND - IDENTIFIZIERUNG (BE 0479.087.849) 552 shares · €49,994.64 in cash
- ASSOCIATION WALLONNE DES ELEVEURSGROUPE ASBL 331 shares · €29,978.67 in cash
- CHRYSALIDE (BE 1019.167.914) 2,760 shares · €249,973.20 in cash
- COEME Sébastien 110 shares · €9,962.70 in cash
- COMITE DU LAIT (BE 0429.937.652) 552 shares · €49,994.64 in cash
- DE SASMEESTER (BE 0658.895.066) 1,104 shares · €99,989.28 in cash
- ENGLEBIENNE Maykin 221 shares · €20,015.97 in cash
- HANZEN Christian 110 shares · €9,962.70 in cash
- LARUELLE Emmanuel 110 shares · €9,962.70 in cash
- ROYEN BRUNO (BE 0478.498.030) 442 shares · €40,031.94 in cash
- SIBA EE 4 353 shares · €31,971.21 in cash
- SOCIETE COOPERATIVE AGRICOLE DE LA MEUSE (BE 0401.370.063) 2,760 shares · €249,973.20 in cash
- 11-02-2025 Capital stated in the deed · 37,560 shares
Mandate history
- Board
- began earlier
- end not dated
| Name | Functions and periods |
|---|---|
| AgriNami-Dr Théron |
|
| ASSOCIATION WALLONNE DES ELEVEURS-GROUPE |
|
| CHRYSALIDE |
|
| Comité du lait |
|
| DE SASMEESTER |
|
| MUFASO |
|
| ASSOCIATION REGIONALE DE SANTE ET D'IDENTIFICATION ANIMALES - REGIONALE VEREINGUNG DER TIERGESUNDHEIT UND - IDENTIFIZIERUNG |
|
| RAO Anne-Sophie |
|
| THERON Léonard |
|
| CAPITAL & CROISSANCE |
|
Articles of association
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Contraindre autres Parties à céder leurs Actions selon présent Article, totalité des Actions détenues par autres Parties aux mêmes prix et…”
Articles of association, deed of 11-02-2025 (in French)
Network & group
Companies at the same address
2 other companiesConnections & network
4 connected companiesTimeline
Acts, filings and financial milestones
11-02
Gazette deed
7 directors appointed, 3 directors resigningResignations: CAPITAL & CROISSANCE, RAO Anne-Sophie and THERON Léonard · Appointments: MUFASO, AgriNami-Dr Théron and 5 others · Permanent representatives: RAO Anne-Sophie, THERON Léonard and 5 others45 points ▸
- General meeting, 07-02-2025
- Other provision, “rapport émission actions, renonciation au rapport” (deed in French)
- Other provision, “commissaire” (deed in French)
- Share issue, 9405, “sans désignation de valeur nominale” (deed in French)
- Other provision, “droit de préférence, renonciation” (deed in French)
- Capital contribution, €49,994.64, mentioned 2 times in the deed
- Capital contribution, €29,978.67
- Capital contribution, €249,973.20, mentioned 2 times in the deed
- Capital contribution, €9,962.70, mentioned 3 times in the deed
- Capital contribution, €99,989.28
- Capital contribution, €20,015.97
- Capital contribution, €40,031.94
- The act holds 33 more points.
16-08
Gazette deed
Resignations: Rao Anne-Sophie (director) and Theron Léonard (director)Registered office clause · Power of attorney9 points ▸
- Registered office clause, “Rue des Bada 27 à 4317 Faimes” (deed in French)
- Board meeting, 17-03-2023
- Other provision, “validation des conventions de management” (deed in French)
- Power of attorney, MUFASO SRL
- Power of attorney, AGRINAMI SRL
- Director resignation, Rao Anne-Sophie (director)
- Director resignation, Theron Léonard (director)
- Board composition, Bertozzi Carlo (director)
- Board composition, Detrixhe Pierre (director)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 61037B0087/00L000 | Wallonia | 1,350 m² | 1 · 113 m² | 9.3 m · 3 |