Rumi
ActiveFrom the official registers: KBO 1 annual account at the National Bank publications in the Belgian Official Gazette
Summary
Rumi has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€6,276) and a net result of -€21,276. Its solvency ranks better than 14% of 2,598 sector peers (NACE 85, financial year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Financials · financial year 2025, micro format
2025 annual accounts filed 61 days after the deadline Filed on 30 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00532831.
Annual accounts 2025
- Financial year ended
- 31-12-2025
- Filed on
- 30-09-2026
- Format
- micro format
- Reference
- 2026-00532831
Turnover and EBIT margin are not published. The micro format does not require them.
Companies with the same profile, two years later
Historical observationIn July 2024, 1,322 companies had the same profile as Rumi has now. Two years later, 4.2% had gone bankrupt and 90.2% were still going.
- Micro
- under 2 years old
- negative equity
- a loss of 10% of the balance sheet or more
The bankruptcy probability of Rumi itself is lower: 0.7% within 12 months. It rests on far more data about Rumi than the profile alone.
Test of the method
The method was tested on the 497,445 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 1,322 companies, not a prediction for Rumi. 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.
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €211 |
| Other operating charges640/8 | €422 |
| Gross operating margin9900 | -€20,640 |
| Operating profit (loss)9901 | -€21,273 |
| Financial charges65/66B | €3 |
| Recurring financial charges65 | €3 |
| Profit (loss) for the period before taxes9903 | -€21,276 |
| Profit (loss) for the period9904 | -€21,276 |
| Profit (loss) for the period to be appropriated9905 | -€21,276 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €72,685 | |
| Fixed assets21/28 | €58,708 | |
| Intangible fixed assets21 | €45,740 | |
| Tangible fixed assets22/27 | €12,968 | |
| Plant, machinery and equipment23 | €9,932 | |
| Furniture and vehicles24 | €1,791 | |
| Other tangible fixed assets26 | €1,246 | |
| Current assets29/58 | €13,978 | |
| Stocks and contracts in progress3 | €6,580 | |
| Stocks30/36 | €6,580 | |
| Amounts receivable within one year40/41 | €679 | |
| Other amounts receivable41 | €679 | |
| Cash at bank and in hand54/58 | €6,719 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €72,685 | |
| Equity10/15 | -€6,276 | |
| Contributions10/11 | €15,000 | |
| Profit (loss) carried forward14 | -€21,276 | |
| Amounts payable17/49 | €78,962 | |
| Amounts payable within one year42/48 | €78,962 | |
| Trade debts44 | €61,882 | |
| Suppliers440/4 | €61,882 | |
| Other amounts payable47/48 | €17,079 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | -€21,276 |
| + Depreciation and write-downs630 | €211 |
| Operating cash flow (approximation) | -€21,065 |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 30-09-2026 | 2026-00532831 | NBB |
Comparable companies
These companies have the same main activity as Rumi: other education (NACE 85599). They are comparable in size and age: total assets between €43,100 and €102,000, founded between 2023 and 2024.
| Company | Founded | Total assets | Equity | Gross margin | Turnover | Net result | Financial year |
|---|---|---|---|---|---|---|---|
| Rumi Antwerpen | 2025 | €72,685 | -€6,276 | -€20,640 | - | -€21,276 | 2025 |
| The Onwards Collective Roeselare | 2024 | €102,124 | €75,813 | -€43,636 | - | -€44,187 | 2025 |
| Soulstations Sint-Pieters-Woluwe | 2024 | €43,108 | -€690 | -€2,447 | - | -€5,690 | 2025 |
| Super-zen Ottignies-Louvain-la-Neuve | 2024 | €43,919 | -€126,454 | -€9,334 | - | -€131,454 | 2025 |
| JNS BIKES Berlare | 2024 | €49,583 | -€13,263 | -€10,816 | €730 | -€16,063 | 2024 |
| Fire and Medical Training Centre Safety Belgium Zaventem | 2023 | €44,478 | -€118,974 | -€5,028 | - | -€9,288 | 2025 |
| Neybergh Knokke-Heist | 2023 | €74,783 | €8,334 | -€3,237 | €15,950 | -€18,494 | 2025 |
They were chosen from the 1,379 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.