RUMIC
Open bankruptcyAre you a creditor?
Open bankruptcy
Source: Belgian Official Gazette
If this company owes you money, you are not paid automatically: you file your claim yourself, within the deadline the judgment sets.
The procedure
- Court
- Enterprise Court of Antwerp, Antwerp division
- Declared bankrupt
- 2 July 2026
- Supervising judge
- Kelly Schamphelaere
- Official Gazette
- 08-07-2026 (pdf) ↗search the document for 2026/131247
Deadlines
- Provisional date payments stopped
- 2 July 2026A later judgment can change the date.art. XX.105, Code of Economic Law
- Appeal or third-party opposition until
- passed on 23 July 2026Fifteen days after the publication in the Official Gazette.art. XX.108, Code of Economic Law
- File the claim in RegSol, the Belgian insolvency register, until
- passed on 1 August 2026art. XX.104 and XX.155, Code of Economic Law
- First verification report
- passed on 28 August 2026Reclaim goods that are still yours, such as goods delivered under retention of title, before this day.art. XX.104 and XX.194, Code of Economic Law
- Late claim until
- 2 July 2027A late claim shares only in what has not yet been paid out, and you bear its costs.art. XX.165, Code of Economic Law
Trustee
- Thomas DebaeneKoninklijke Laan 60, 2600 Berchem (Antwerpen)thomas.debaene@gvgadvocaten.be
What to do now
- Stop delivering on credit unless the trustee agrees.
- Gather your documents: invoices, purchase orders, contract, delivery notes and reminders.
- File your proof of claim in RegSol (regsol.be), yourself with eID or itsme, or through your lawyer. State principal, interest and costs separately, and any preferential right you hold.
- Delivered under retention of title? Reclaim your goods before the first report on the verification of claims.
- Ask your accountant about the VAT on the unpaid invoices: in a bankruptcy it can be recovered, subject to conditions.
- Follow the file in RegSol: the verification report (admitted or disputed) and the trustee's reports appear there.
These deadlines come from the publication of the judgment. Check them in RegSol before you file anything; once a deadline has passed, it is too late for that step.
File a claim in RegSol ↗
Follow
Follow this bankruptcy: you are alerted when it is closed or reversed.
General information, not legal advice. If in doubt, the trustee, your lawyer or your accountant can help.Creditor guide for this company
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Overview
Activity
Wholesale of beverages, general range
NACE 46349
1 site
Size
≈ €37,000turnover 2023, estimated
- Equity
- €972
- Profit
- €815
Turnover estimated from the gross margin
Financial health
Open bankruptcy: no score
Signalsraises riskOpen bankruptcy2023 accounts filed 26 days lateShow the evidence
Signals
Two signals.
raises risk
raises risk · 2023 accounts filed 26 days late
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 26-08-2024, 26 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2024
not filed
2023
26 days late
2022
7 days late
2021
10 days late
2020
23 days early
2019
192 days late
2018
212 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 71 days after the deadline; the sector median (NACE 46) for financial year 2024 is 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (1)
- OpeningEnterprise Court of Antwerp, Antwerp…
- Resignation: Muhammad Header (director)Director discharge
- Registered officeRegistered-office move
Financials · financial year 2023, micro format
2023 annual accounts filed late (26 days) Filed on 26 August 2024, deadline 31 July 2024 (7 months after the close on 31 December 2023, Companies Code art. 3:10). Source: NBB, 2024-00395911.
Turnover
€10,994
EBIT margin
8.4%
Net result
€815▼ 25.3%
2022 · €1,091
Working capital
€972▲ 518%
2022 · €157
Trend over the years
2019 to 2023, 5 financial years 2018 to 2023, 6 financial years
The operating result falls in 2023; 2023 is 10% below 2022.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€1,210
2023
Net result€815
2023
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€5,136
2023
Equity€972
2023
Debt€4,164
2023
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€972
2023
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)15.9%
2023
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency18.9%
2023
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio1.23
2023
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 46, Wholesale trade: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line201820192020202120222023
Turnover€10,994
Operating result€177-€921▲ 420%€2,312▲ 151%-€387€1,351€1,210▼ 10.4%
Net result€177-€921▲ 419%€2,312within the sector's middle half▲ 151%-€547within the sector's middle half€1,091within the sector's middle half€815within the sector's middle half▼ 25.3%
EBIT margin8.4%
Equity-€3,620--€2,699▲ 25.4%-€387below the sector's middle half▲ 85.7%-€934below the sector's middle half▼ 142%€157below the sector's middle half€972below the sector's middle half▲ 518%
Total assets€6,738-€6,273▼ 6.9%€3,923below the sector's middle half▼ 37.5%€1,612below the sector's middle half▼ 58.9%€3,225below the sector's middle half▲ 100%€5,136below the sector's middle half▲ 59.2%
Debt€10,357-€8,972▼ 13.4%€4,310▼ 52.0%€2,546▼ 40.9%€3,068▲ 20.5%€4,164▲ 35.7%
Working capital-€5,228--€4,196▲ 19.7%-€1,657within the sector's middle half▲ 60.5%-€934within the sector's middle half▲ 43.6%€157within the sector's middle half€972within the sector's middle half▲ 518%
Solvency-53.7%--43.0%▲ 10.7pp18.9%within the sector's middle half
Current ratio0.50-0.53▲ 0.041.23within the sector's middle half
Return on assets (ROA)2.6%-14.7%▲ 12.0pp15.9%above the sector's middle half
above
within
below
the middle half of NACE 46, Wholesale trade: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Equity and liabilities €5,136
Equity
€972 ▲ 518%
Debt
€4,164 ▲ 35.7%
Debt's share of the balance-sheet total falls from 95.1% to 81.1%. Equity and debt are higher.
Key figures and ratios
Debt ≤ 1 year
€4,164▲
2022 · €3,068
Income taxes
€297
Equity ratios withheld: equity of €972 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|---|
| Turnover70 | - | €10,994 | - | - | - | - | - |
| Non-recurring operating income76A | - | - | - | €1,476 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €253 | €253 | €253 | €241 | - | - | - |
| Other operating charges640/8 | - | - | - | €280 | €1,014 | €871 | ▼ 14.1% |
| Non-recurring operating charges66A | - | - | - | €1,029 | - | - | - |
| Gross operating margin9900 | €525 | €1,271 | €2,789 | €1,163 | €2,365 | €2,081 | ▼ 12.0% |
| Operating profit (loss)9901 | €177 | €921 | €2,312 | -€387 | €1,351 | €1,210 | ▼ 10.4% |
| Recurring financial income75 | €0 | - | - | - | - | - | - |
| Financial charges65/66B | - | - | - | €161 | €259 | €98 | ▼ 62.0% |
| Recurring financial charges65 | €0 | - | €0 | €161 | €259 | €98 | ▼ 62.0% |
| Profit (loss) for the period before taxes9903 | €177 | €921 | €2,312 | -€547 | €1,091 | €1,111 | ▲ 1.8% |
| Income taxes67/77 | - | - | - | - | - | €297 | - |
| Profit (loss) for the period9904 | €177 | €921 | €2,312 | -€547 | €1,091 | €815 | ▼ 25.3% |
| Profit (loss) for the period to be appropriated9905 | €177 | €921 | €2,312 | -€547 | €1,091 | €815 | ▼ 25.3% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|---|
| Assets | |||||||
| Total assets20/58 | €6,738 | €6,273 | €3,923 | €1,612 | €3,225 | €5,136 | ▲ 59.2% |
| Fixed assets21/28 | €1,608 | €1,497 | €1,270 | - | - | - | - |
| Tangible fixed assets22/27 | €746 | €493 | €241 | - | - | - | - |
| Financial fixed assets28 | €862 | €1,004 | €1,029 | - | - | - | - |
| Current assets29/58 | €5,130 | €4,775 | €2,653 | €1,612 | €3,225 | €5,136 | ▲ 59.2% |
| Stocks and contracts in progress3 | €3,806 | €2,797 | €2,177 | €29 | €60 | - | - |
| Stocks30/36 | - | - | - | €29 | €60 | - | - |
| Cash at bank and in hand54/58 | €1,323 | €1,978 | €476 | €1,319 | €2,872 | €5,136 | ▲ 78.8% |
| Deferred charges and accrued income490/1 | - | - | - | €264 | €293 | - | - |
| Equity and liabilities | |||||||
| Total equity and liabilities10/49 | €6,738 | €6,273 | €3,923 | €1,612 | €3,225 | €5,136 | ▲ 59.2% |
| Equity10/15 | -€3,620 | -€2,699 | -€387 | -€934 | €157 | €972 | ▲ 518% |
| Contributions10/11 | €6,200 | €6,200 | - | €6,200 | €6,200 | €6,232 | ▲ 0.5% |
| Reserves13 | €32 | €32 | €32 | €32 | €32 | - | - |
| Non-distributable reserves130/1 | - | - | - | €32 | €32 | - | - |
| Reserves not available under the articles1311 | - | - | - | €32 | €32 | - | - |
| Profit (loss) carried forward14 | -€9,852 | -€8,931 | -€6,619 | -€7,167 | -€6,075 | -€5,260 | ▲ 13.4% |
| Amounts payable17/49 | €10,357 | €8,972 | €4,310 | €2,546 | €3,068 | €4,164 | ▲ 35.7% |
| Amounts payable within one year42/48 | €10,357 | €8,972 | €4,310 | €2,546 | €3,068 | €4,164 | ▲ 35.7% |
| Trade debts44 | - | €910 | - | - | €254 | €1,343 | ▲ 428% |
| Suppliers440/4 | - | - | - | - | €254 | €1,343 | ▲ 428% |
| Taxes, remuneration and social security45 | - | - | - | €197 | €594 | €297 | ▼ 50.1% |
| Taxes450/3 | - | - | - | €197 | €594 | €297 | ▼ 50.1% |
| Other amounts payable47/48 | - | - | - | €2,349 | €2,219 | €2,524 | ▲ 13.7% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €177 | €921 | €2,312 | -€547 | €1,091 | €815 | ▼ 25.3% |
| + Depreciation and write-downs630 | €253 | €253 | €253 | €241 | - | - | - |
| Operating cash flow (approximation) | €430 | €1,173 | €2,565 | -€307 | €1,091 | €815 | ▼ 25.3% |
| Investment in fixed assets (approximation) | - | -€142 | -€25 | - | - | - | - |
| Change in cash | - | €655 | -€1,502 | €843 | €1,554 | €2,263 | ▲ 45.7% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 13 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2023 | micro format | 26-08-2024 | 2024-00395911 |
| 31-12-2022 | micro format | 07-08-2023 | 2023-00327895 |
| 31-12-2021 | micro format | 10-08-2022 | 2022-20280760 |
| 31-12-2020 | micro format | 08-07-2021 | 2021-34300063 |
| 31-12-2019 | micro format | 08-02-2021 | 2021-05000341 |
| 31-12-2018 | micro format | 28-02-2020 | 2020-06100111 |
| 31-12-2017 | micro format | 07-08-2018 | 2018-44100132 |
| 31-12-2015 | abbreviated format | 23-09-2016 | 2016-60800325 |
| 31-12-2014 | abbreviated format | 25-08-2015 | 2015-47100380 |
| 31-12-2013 | abbreviated format | 29-08-2014 | 2014-51700565 |
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Of the 1,538 active companies whose main activity is wholesale of beverages, general range (NACE 46349), figures are known for 989. 111 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Directors
2 directors, last change in 2024
Header Muhammed
CurrentDirector · since 17-04-2024
Umar Muhammad
CurrentDirector · since 17-04-2024
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ.
See the directors and other office holders in the KBO →
Not every act has been read: a resignation may still be missing
2 of this company's 6 Belgian Official Gazette deeds have not been read yet. Appointments and resignations recorded in them are not yet in the list of directors: someone who resigned there may still be listed as sitting. The acts are in the Timeline.
Mandate history
5 people since 2024, 2 in office
- Board
- Day-to-day management
- began earlier
| Name | Functions and periods |
|---|---|
| Header Muhammed |
|
| Umar Muhammad |
|
| Muhammad Header |
|
| Adagbony Ruth |
|
| Van Suetendael Willem |
|
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Trustee | Thomas Debaene Koninklijke Laan 60, 2600 Berchem (Antwerpen) |
02-07-2026 → present |
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
Group and network
Connections & network
2 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
History
Acts, filings and financial milestones
2026
08-07
Bankruptcy
Opening
Enterprise Court of Antwerp, Antwerp division · judgment of 02-07-2026
2025
14-03
Gazette deed
Resignation: Muhammad Header (director)Director discharge5 facts ▸
Gazette deed
Resignation: Muhammad Header (director)
Director discharge5 facts ▸
- General meeting, 31-12-2024
- Director resignation, Muhammad Header (director (not named in the articles))
- Director discharge, Muhammad Header
- Board meeting, 31-12-2024
- Director resignation, Muhammad Header (day-to-day manager)
2024
03-09
Gazette deed
Registered officeRegistered-office move2 facts ▸
Gazette deed
Registered office
Registered-office move2 facts ▸
- Board meeting, 14-06-2024
- Registered-office move, Biekorfstraat 41-43,2060 Antwerpen
26-08
NBB filing
Annual accounts filed
financial year 2023 · micro format · 26 days late
17-04
Gazette deed
Resignations: Adagbony Ruth (director) and Van Suetendael Willem (director)Appointments: Umar Muhammad (director) and Header Muhammed (director) · Director discharge · Registered-office move8 facts ▸
Gazette deed
Resignations: Adagbony Ruth (director) and Van Suetendael Willem (director)
Appointments: Umar Muhammad (director) and Header Muhammed (director) · Director discharge · Registered-office move8 facts ▸
- General meeting, 04-12-2023
- Director resignation, Adagbony Ruth (director)
- Director resignation, Van Suetendael Willem (director)
- Director discharge, Adagbony Ruth
- Director discharge, Van Suetendael Willem
- Director appointment, Umar Muhammad (director)
- Director appointment, Header Muhammed (director)
- Registered-office move, Oranjestraat 45 bus 1 te 2060 Antwerpen
2023
28-12
Gazette deed
Amendment of the articles · Legal-form change · Resignations & appointments · MiscellaneousCapital conversion · Reserve release · Registered office clause9 facts ▸
Gazette deed
Amendment of the articles · Legal-form change · Resignations & appointments · Miscellaneous
Capital conversion · Reserve release · Registered office clause9 facts ▸
- General meeting, 22-11-2023
- Amendment of the articles (2 times)
- Other provision, 01-01-2020, “onderwerping aan Wetboek van vennootschappen en verenigingen” (deed in Dutch)
- Other provision, “behoud rechtsvorm, algemene vergadering” (deed in Dutch)
- Other provision, “behoud bestuurssamenstelling, bestuur blijft in haar huidige samenstelling behouden” (deed in Dutch)
- Capital conversion, “van rechtswege omgezet, artikel 39, §2, derde lid van de wet van 23-03-2019” (deed in Dutch)
- Reserve release, “opheffing, overboeking” (deed in Dutch)
- Registered office clause, “Bosstraat 93, 2850 Boom” (deed in Dutch)
- Power of attorney
07-08
NBB filing
Annual accounts filed
financial year 2022 · micro format · 7 days late
2022
31-12
Financial
Back to profitnet €1,091
Net result €1,091 after one loss-making year.
10-08
NBB filing
Annual accounts filed
financial year 2021 · micro format · 10 days late
2021
31-12
Financial
Weakest financial yearnet -€547
Net result drops to -€547, the lowest in the series.
08-07
NBB filing
Annual accounts filed
financial year 2020 · micro format
08-02
NBB filing
Annual accounts filed
financial year 2019 · micro format · 192 days late
Show earlier events
2020
31-12
Financial
Highest result from 2018 to 2023net €2,312 ▲151%
Operating result €2,312, net result €2,312, both a record.
28-02
NBB filing
Annual accounts filed
financial year 2018 · micro format · 212 days late
2018
07-08
NBB filing
Annual accounts filed
financial year 2017 · micro format · 7 days late
2016
23-09
NBB filing
Annual accounts filed
financial year 2015 · abbreviated format · 54 days late
2015
25-08
NBB filing
Annual accounts filed
financial year 2014 · abbreviated format · 25 days late
2014
29-08
NBB filing
Annual accounts filed
financial year 2013 · abbreviated format · 29 days late
SignalFinancial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.Of the 13 annual accounts filed, the latest 10 are here; all 13 are under Financials.
4 of 6 deeds read
About the unread acts
Of the 6 Belgian Official Gazette deeds we know for this company, 4 have been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Opening faillissement
RUMIC is in the KBO register with the legal situation: opening faillissement.
- Legal situation
- Opening faillissement
- Last annual accounts
- financial year to 31 December 2023
- Legal form
- Private limited company
- Active since
- 26 May 2008
Register details
Identification
Legal formPrivate limited company
Founded26-05-2008
Financial year end31-12
Activities, NACEBEL 2025
46349Wholesale of beverages, general range
47252Retail sale of beverages, general range
E-invoicing
Not found in the Peppol Directory
No listing in the Peppol Directory under this enterprise or VAT number. That proves nothing: being listed there is voluntary.
Register as of 29 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2009
Ground area
228 m²
Building footprint
132 m²
Building volume
1,116 m³
2 parcels, Flanders · tallest building 15.4 m. Linked by address, not a title deed.
1 establishment unit
RUMIC
since 2009unit no. 2.172.788.617
2 parcels
Flanders
2
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 11807G0193/00T009 | Flanders | 132 m² | 1 · 132 m² | 15.4 m · 4 |
| 11807G0214/00L011 | Flanders | 96 m² | - | - |
How the parcels are linked
Good to know
Both parcels match the address exactly.