RUMILO
ActiveSummary
The computed 12-month bankruptcy probability of RUMILO is 1.6% (moderate). The 2024 annual accounts show negative equity (-€361,133) and a net result of -€360,217. Equity is shrinking by about 14% per year across the filed financial years. The company has been active since 2016 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
- Equity
- -€361,133
- Loss
- -€360,217
- Parent
- Ghelamco Group Comm VA
- Paul GheysensManaging director
- Vandoorne RiaManaging director
Why 53raises riskFigures for financial year 2024 (filed 17-07-2025)Liquidity: current ratio 37309.78, cash €9,684lowers riskSize: total assets €62.1mNo main activity registeredShow the evidence
Checked score
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 (no NACE code, large): better than 3% on solvency, 39% on liquidity, 30% on profitability and 0% on growth.
The bankruptcy probability was computed on 09-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 6 accounts on average 21 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (1)
- Appointment: KPMG Bedrijfsrevisoren BV/SRL (statutory auditor)Permanent representatives: Melissa Carton and…
- Reappointments: Vandoorne Ria (director and managing…Gazette deed
- Annual accounts filedfinancial year 2024 · abbreviated…
Financials · financial year 2024, abbreviated format
2020 to 2024, 5 financial years 2018 to 2024, 7 financial years
The operating result stays negative: a loss of €7,694 in 2024 against €7,563 in 2023; the loss grows.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Use the arrow keys on the chart for the figures per year.
Peer companies
Historical observationOf the 3,707 companies that looked in July 2024 the way this one looks now, 2.2% went bankrupt within 24 months and 93% are still going.
- 10 to 20 years old
- negative equity
- a small loss
- without size
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,472 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 3,707 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.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|---|---|
| Other operating charges640/8 | - | - | - | €0.001m | €0.001m | €0.001m | €0.001m | ▲ 1.7% |
| Gross operating margin9900 | -€0.002m | -€0.007m | -€0.005m | -€0.008m | -€0.005m | -€0.006m | -€0.007m | ▼ 1.7% |
| Operating profit (loss)9901 | -€0.003m | -€0.01m | -€0.006m | -€0.009m | -€0.006m | -€0.008m | -€0.008m | ▼ 1.7% |
| Financial income75/76B | - | - | - | €0.2m | €1.5m | €3.3m | €3.9m | ▲ 18.2% |
| Recurring financial income75 | €0.001m | €0.3m | €0.3m | €0.2m | €1.5m | €3.3m | €3.9m | ▲ 18.2% |
| Financial charges65/66B | - | - | - | €0.2m | €1.4m | €3.4m | €4.2m | ▲ 25.2% |
| Recurring financial charges65 | €200 | €0.3m | €0.3m | €0.2m | €1.4m | €3.4m | €4.2m | ▲ 25.2% |
| Profit (loss) for the period before taxes9903 | -€0.002m | €0.02m | €0.02m | €0.008m | €0.03m | -€0.1m | -€0.4m | ▼ 238% |
| Income taxes67/77 | - | - | €0.006m | €0.002m | €0.008m | €110 | - | - |
| Profit (loss) for the period9904 | -€0.002m | €0.02m | €0.01m | €0.006m | €0.02m | -€0.1m | -€0.4m | ▼ 238% |
| Profit (loss) for the period to be appropriated9905 | -€0.002m | €0.02m | €0.01m | €0.006m | €0.02m | -€0.1m | -€0.4m | ▼ 238% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €0.05m | €27.2m | €8.0m | €31.1m | €41.0m | €50.7m | €62.1m | ▲ 22.4% |
| Fixed assets21/28 | - | €0.001m | €0.001m | €0.001m | €0.001m | €0.001m | €0.001m | = |
| Financial fixed assets28 | - | €0.001m | €0.001m | €0.001m | €0.001m | €0.001m | €0.001m | = |
| Current assets29/58 | €0.05m | €27.2m | €8.0m | €31.1m | €41.0m | €50.7m | €62.1m | ▲ 22.4% |
| Amounts receivable after more than one year29 | - | - | - | €30.5m | €39.0m | €45.4m | €52.8m | ▲ 16.4% |
| Other amounts receivable291 | - | - | - | €30.5m | €39.0m | €45.4m | €52.8m | ▲ 16.4% |
| Amounts receivable within one year40/41 | €0.05m | €19.5m | - | - | - | - | - | - |
| Cash at bank and in hand54/58 | €0.002m | €0.06m | €0.004m | €0.003m | €0.001m | €0.001m | €0.01m | ▲ 695% |
| Deferred charges and accrued income490/1 | - | - | - | €0.6m | €2.1m | €5.4m | €9.2m | ▲ 72.8% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €0.05m | €27.2m | €8.0m | €31.1m | €41.0m | €50.7m | €62.1m | ▲ 22.4% |
| Equity10/15 | €0.05m | €0.07m | €0.08m | €0.08m | €0.1m | -€0.001m | -€0.4m | ▼ 39,317% |
| Contributions10/11 | €0.06m | €0.06m | €0.06m | €0.06m | €0.06m | €0.06m | €0.06m | = |
| Capital10 | - | - | - | €0.06m | €0.06m | €0.06m | €0.06m | = |
| Issued capital100 | - | - | - | €0.3m | €0.3m | €0.3m | €0.3m | = |
| Uncalled capital101 | - | - | - | €0.2m | €0.2m | €0.2m | €0.2m | = |
| Reserves13 | - | €0.001m | €0.001m | €0.002m | €0.003m | €0.003m | €0.003m | = |
| Non-distributable reserves130/1 | - | - | - | €0.002m | €0.003m | €0.003m | €0.003m | = |
| Legal reserve130 | - | - | - | €0.002m | €0.003m | €0.003m | €0.003m | = |
| Profit (loss) carried forward14 | -€0.01m | €0.003m | €0.01m | €0.02m | €0.04m | -€0.07m | -€0.4m | ▼ 536% |
| Amounts payable17/49 | €124 | €27.1m | €8.0m | €31.0m | €40.9m | €50.7m | €62.5m | ▲ 23.1% |
| Amounts payable after more than one year17 | - | €7.3m | €7.6m | - | - | €50.7m | €62.5m | ▲ 23.1% |
| Other amounts payable178/9 | - | - | - | - | - | €50.7m | €62.5m | ▲ 23.1% |
| Amounts payable within one year42/48 | - | €19.5m | €0.009m | €30.5m | €39.0m | €0.01m | €0.002m | ▼ 83.5% |
| Trade debts44 | - | €0.003m | €0.005m | €0.007m | €0.002m | €0.01m | €0.002m | ▼ 83.5% |
| Suppliers440/4 | - | - | - | €0.007m | €0.002m | €0.01m | €0.002m | ▼ 83.5% |
| Taxes, remuneration and social security45 | - | - | - | €0.002m | €0.01m | - | - | - |
| Taxes450/3 | - | - | - | €0.002m | €0.01m | - | - | - |
| Other amounts payable47/48 | - | - | - | €30.5m | €39.0m | - | - | - |
| Accrued charges and deferred income492/3 | - | - | - | €0.5m | €2.0m | - | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,254 | €15,180 | €10,288 | €6,079 | €21,977 | -€106,599 | -€360,217 | ▼ 238% |
| Operating cash flow (approximation) | -€2,254 | €15,180 | €10,288 | €6,079 | €21,977 | -€106,599 | -€360,217 | ▼ 238% |
| Investment in fixed assets (approximation) | - | - | €0 | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €57,266 | -€55,473 | -€858 | -€2,168 | €110 | €8,466 | ▲ 7,562% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Public contracts: not fully processed yet. The notices from December 2018 to September 2026 are still being read.
Directors
Board 2
Day-to-day management 2
Statutory auditor 1
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- Day-to-day management
- Statutory auditor
- began earlier
| Name | Functions and periods |
|---|---|
| Paul Gheysens |
|
| Vandoorne Ria |
|
| KPMG Bedrijfsrevisoren BV/SRL |
|
Owners and capital
Owners
1 ownerChain of control
- Ghelamco Group Comm VA
- RUMILO
Highest known parent: Ghelamco Group Comm VA. The sources do not say who stands above it.
Owners 1
- Ghelamco Group Comm VAconsolidating parentconsolidates
Sources: the companies' annual accounts, the acts in the Belgian Official Gazette and the LEI register. Annual accounts state the shareholders that notified the company under article 7:225 of the Code of Companies and Associations and the parent companies that consolidate it. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not include these statements in its annual accounts, or does not have to, is not listed.
Group and network
Connections & network
2 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
05-05
Gazette deed
Appointment: KPMG Bedrijfsrevisoren BV/SRL (statutory auditor)Permanent representatives: Melissa Carton and Christophe Van Parys4 facts ▸
- General meeting, 23-12-2025
- Auditor appointment, KPMG Bedrijfsrevisoren BV/SRL (statutory auditor)
- Permanent representative, Melissa Carton
- Permanent representative, Christophe Van Parys
05-12
Gazette deed
Reappointments: Vandoorne Ria (director and managing director) and Paul Gheysens (director and managing director)3 facts ▸
- General meeting, 30-06-2025
- Director reappointment, Vandoorne Ria (director and managing director)
- Director reappointment, Paul Gheysens (director and managing director)
Show earlier events
About the unread acts
Of the 6 Belgian Official Gazette acts we know for this company, 2 have been read. The other 4 have not been read yet: what they contain is neither established nor disproved here.
Register details
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
What can you do?
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If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 10 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
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 33305B1021/00D002 | Flanders | 5,629 m² | 1 · 1,997 m² | 8.8 m · 2 |