RuMik
ActiveSummary
The computed 12-month bankruptcy probability of RuMik is 2.0% (moderate). The 2025 annual accounts show equity of €101,893 and a net result of €25,839. Equity is growing by ~26.1% per year across the filed fiscal years. Its solvency ranks better than 42% of 28254 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability81▼-5
Solvency65▼-5
Growth52=
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days acceptable
Liquidity ample (current ratio 2.14 against 1.76 in 2024; short-term debt: 20% and cash: 41.5% of total assets), but 60.4% of the assets are financed with debt.
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Signals
Four 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
39.6%
Return on assets
10%
Age of the figures
9 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 16-04-2026, 106 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
106 d early
2024
99 d early
2023
29 d early
2022
16 d late
2021
22 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 39 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
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. Usually files around 3 July (4 of the last 5 filed years within 71 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€101,893▲ 28.4%
2024 · €79,386
Total assets
€257,578▲ 47.6%
2024 · €174,494
Net result
€25,839▲ 10.3%
2024 · €23,437
Working capital
€58,788▲ 67.6%
2024 · €35,084
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€46,829-€35,234▼ 24.8%€4,522▼ 87.2%€30,209▲ 568%€35,661▲ 18.0%
Net result€34,994above the sector's middle half-€25,612within the sector's middle half▼ 26.8%€2,214within the sector's middle half▼ 91.4%€23,437within the sector's middle half▲ 958%€25,839within the sector's middle half▲ 10.3%
Equity€39,794within the sector's middle half-€62,207within the sector's middle half▲ 56.3%€62,821within the sector's middle half▲ 1.0%€79,386within the sector's middle half▲ 26.4%€101,893within the sector's middle half▲ 28.4%
Total assets€75,573within the sector's middle half-€116,410within the sector's middle half▲ 54.0%€99,459within the sector's middle half▼ 14.6%€174,494within the sector's middle half▲ 75.4%€257,578within the sector's middle half▲ 47.6%
Debt€35,778-€54,203▲ 51.5%€36,638▼ 32.4%€95,108▲ 160%€155,686▲ 63.7%
Working capital€21,921within the sector's middle half-€23,113within the sector's middle half▲ 5.4%€22,606within the sector's middle half▼ 2.2%€35,084within the sector's middle half▲ 55.2%€58,788within the sector's middle half▲ 67.6%
Solvency52.7%within the sector's middle half-53.4%within the sector's middle half▲ 0.8pp63.2%within the sector's middle half▲ 9.7pp45.5%within the sector's middle half▼ 17.7pp39.6%within the sector's middle half▼ 5.9pp
Current ratio1.99within the sector's middle half-1.82within the sector's middle half▼ 0.172.23within the sector's middle half▲ 0.411.76within the sector's middle half▼ 0.472.14within the sector's middle half▲ 0.38
Return on assets (ROA)46.3%above the sector's middle half-22.0%above the sector's middle half▼ 24.3pp2.2%within the sector's middle half▼ 19.8pp13.4%within the sector's middle half▲ 11.2pp10.0%within the sector's middle half▼ 3.4pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 18% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €257,578
Fixed assets
€147,194 ▲ 58.3%
Current assets
€110,385 ▲ 35.4%
Equity and liabilities €257,578
Equity
€101,893 ▲ 28.4%
Debt
€155,686 ▲ 63.7%
Debt's share of the balance-sheet total rises from 54.5% to 60.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€62,427▲
2024 · €46,058
Cash flow
€52,605▲
2024 · €39,285
Debt to equity
1.53▲
2024 · 1.20
ROE
25.4%▼
2024 · 29.5%
Interest coverage
14.68▼
2024 · 25.00
Debt ≤ 1 year
€51,597▲
2024 · €46,452
Debt > 1 year
€104,088▲
2024 · €48,657
Income taxes
€7,214▲
2024 · €6,322
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,970 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.0% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,970 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,518 | €6,477 | €14,923 | €15,849 | €26,766 | ▲ 68.9% |
| Other operating charges640/8 | €512 | €368 | €441 | €454 | €747 | ▲ 64.6% |
| Non-recurring operating charges66A | - | €1,385 | - | - | €657 | - |
| Gross operating margin9900 | €52,858 | €43,464 | €19,886 | €46,512 | €63,832 | ▲ 37.2% |
| Operating profit (loss)9901 | €46,829 | €35,234 | €4,522 | €30,209 | €35,661 | ▲ 18.0% |
| Financial income75/76B | €1,484 | €358 | €456 | €1,391 | €1,644 | ▲ 18.2% |
| Recurring financial income75 | €1,484 | €358 | €456 | €1,391 | €1,644 | ▲ 18.2% |
| Financial charges65/66B | €934 | €1,867 | €939 | €1,842 | €4,253 | ▲ 131% |
| Recurring financial charges65 | €934 | €1,867 | €939 | €1,842 | €4,253 | ▲ 131% |
| Profit (loss) for the period before taxes9903 | €47,379 | €33,725 | €4,039 | €29,758 | €33,053 | ▲ 11.1% |
| Income taxes67/77 | €12,384 | €8,113 | €1,825 | €6,322 | €7,214 | ▲ 14.1% |
| Profit (loss) for the period9904 | €34,994 | €25,612 | €2,214 | €23,437 | €25,839 | ▲ 10.3% |
| Profit (loss) for the period to be appropriated9905 | €34,994 | €25,612 | €2,214 | €23,437 | €25,839 | ▲ 10.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €75,573 | €116,410 | €99,459 | €174,494 | €257,578 | ▲ 47.6% |
| Fixed assets21/28 | €31,575 | €65,103 | €58,466 | €92,958 | €147,194 | ▲ 58.3% |
| Tangible fixed assets22/27 | €31,575 | €64,853 | €58,216 | €92,708 | €146,944 | ▲ 58.5% |
| Land and buildings22 | - | - | €2,045 | €1,544 | €1,042 | ▼ 32.5% |
| Plant, machinery and equipment23 | €23,109 | €33,144 | €27,683 | €22,081 | €40,322 | ▲ 82.6% |
| Furniture and vehicles24 | €8,466 | €31,709 | €28,488 | €69,084 | €105,579 | ▲ 52.8% |
| Financial fixed assets28 | - | €250 | €250 | €250 | €250 | = |
| Current assets29/58 | €43,998 | €51,307 | €40,994 | €81,536 | €110,385 | ▲ 35.4% |
| Stocks and contracts in progress3 | - | - | €3,103 | - | - | - |
| Stocks30/36 | - | - | €3,103 | - | - | - |
| Amounts receivable within one year40/41 | €19,575 | €9,656 | €6,001 | €36,539 | €415 | ▼ 98.9% |
| Trade receivables40 | €8,552 | €2,650 | €5,359 | €32,645 | - | - |
| Other amounts receivable41 | €11,023 | €7,006 | €642 | €3,894 | €415 | ▼ 89.3% |
| Cash at bank and in hand54/58 | €24,423 | €41,417 | €27,656 | €43,362 | €106,867 | ▲ 146% |
| Deferred charges and accrued income490/1 | - | €233 | €4,233 | €1,635 | €3,102 | ▲ 89.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €75,573 | €116,410 | €99,459 | €174,494 | €257,578 | ▲ 47.6% |
| Equity10/15 | €39,794 | €62,207 | €62,821 | €79,386 | €101,893 | ▲ 28.4% |
| Contributions10/11 | €8,000 | €8,000 | €8,000 | €8,000 | €8,000 | = |
| Outside capital11 | €8,000 | €8,000 | €8,000 | - | - | - |
| Other1109/19 | €8,000 | €8,000 | €8,000 | - | - | - |
| Reserves13 | €31,794 | €54,207 | €54,821 | €71,386 | €93,893 | ▲ 31.5% |
| Distributable reserves133 | €31,794 | €54,207 | €54,821 | €71,386 | €93,893 | ▲ 31.5% |
| Amounts payable17/49 | €35,778 | €54,203 | €36,638 | €95,108 | €155,686 | ▲ 63.7% |
| Amounts payable after more than one year17 | €13,701 | €26,010 | €18,251 | €48,657 | €104,088 | ▲ 114% |
| Financial debts170/4 | €13,701 | €26,010 | €18,251 | €48,657 | €104,088 | ▲ 114% |
| Amounts payable within one year42/48 | €22,077 | €28,194 | €18,387 | €46,452 | €51,597 | ▲ 11.1% |
| Current portion of amounts payable after more than one year42 | €12,608 | €10,722 | €7,759 | €16,399 | €30,010 | ▲ 83.0% |
| Financial debts43 | - | €18 | - | - | €20 | - |
| Credit institutions430/8 | - | €18 | - | - | €20 | - |
| Trade debts44 | €2,669 | €6,553 | €1,813 | €10,933 | €2,457 | ▼ 77.5% |
| Suppliers440/4 | €2,669 | €6,553 | €1,813 | €10,933 | €2,457 | ▼ 77.5% |
| Taxes, remuneration and social security45 | €960 | €1,920 | €956 | €5,010 | €1,528 | ▼ 69.5% |
| Taxes450/3 | €960 | €1,920 | €956 | €5,010 | €1,528 | ▼ 69.5% |
| Other amounts payable47/48 | €5,840 | €8,980 | €7,860 | €14,109 | €17,582 | ▲ 24.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €34,994 | €25,612 | €2,214 | €23,437 | €25,839 | ▲ 10.3% |
| + Depreciation and write-downs630 | €5,518 | €6,477 | €14,923 | €15,849 | €26,766 | ▲ 68.9% |
| Operating cash flow (approximation) | €40,512 | €32,089 | €17,137 | €39,285 | €52,605 | ▲ 33.9% |
| Investment in fixed assets (approximation) | - | -€40,005 | -€8,285 | -€50,341 | -€81,001 | ▼ 60.9% |
| Change in cash | - | €16,994 | -€13,761 | €15,706 | €63,505 | ▲ 304% |
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
16-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100,000Eq €101,893 ▲28.4%
5 profitable years in a row build equity to €101,893.
23-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €2,214 ▼91.4%
Net result drops to €2,214, the lowest in the series; recovery starts the following year.
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Pelt · 1 establishment unit since 2020
Ground area
622 m²
Building footprint
124 m²
Volume, LiDAR
42 m³
Parcel 72033B0267/00R000, Flanders · tallest building 2.5 m. Linked by address, not a title deed.
1 establishment unit
RuMik
since 20202.309.626.517
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72033B0267/00R000 | Flanders | 622 m² | 1 · 124 m² | 2.5 m |
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 11,142 companies in sector 43910 we hold annual accounts for 5,493. 4,810 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded10-11-2020
Fiscal year end31-12
Activities, NACEBEL 2025
43910Bricklaying and masonry work
Contact
E-mail
rumik@outlook.be
Phone
0472937322
E-invoicing
Reachable via Peppol
Peppol ID
0208:0757976113
Also
9925:BE0757976113
Registered
26-09-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.