RUMIN
ActiveSummary
RUMIN has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €332,640 and a net result of €161,979. Equity is growing by ~15.5% per year across the filed fiscal years. Its solvency ranks better than 25% of 8085 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81▲+7
Solvency45▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18,000 at 30 days acceptable
Liquidity tight (current ratio 1.2 against 1.16 in 2024; short-term debt: 80% and cash: 4.7% of total assets), and 80.2% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
19.8%
Return on assets
9.6%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
8 d early
2023
34 d early
2022
31 d early
2021
52 d early
2020
118 d late
2019
62 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 12 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€161,979▼ 7.6%
2024 · €175,387
Working capital
€262,161▲ 59.9%
2024 · €163,911
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€41,172▼ 4.1%€31,138▼ 24.4%€113,190▲ 264%€236,356▲ 109%€218,402▼ 7.6%
Net result€30,700▼ 4.0%€23,280▼ 24.2%€83,849▲ 260%€175,387▲ 109%€161,979▼ 7.6%
Equity€213,145▲ 16.8%€236,425▲ 10.9%€170,274▼ 28.0%€170,661▲ 0.2%€332,640▲ 94.9%
Total assets€1.2m▲ 13.1%€983,647▼ 20.3%€1.1m▲ 8.2%€1.2m▲ 14.0%€1.7m▲ 38.5%
Debt€1.0m▲ 12.1%€743,722▼ 27.0%€890,832▲ 19.8%€1.0m▲ 16.7%€1.3m▲ 29.3%
Working capital€206,445▲ 7.8%€230,925▲ 11.9%€163,274▼ 29.3%€163,911▲ 0.4%€262,161▲ 59.9%
Staff (FTE)1.8
Why a figure moved sharply
- 2025 Equity +95% on 2024. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.7m
Fixed assets
€74,229 ▲ 642%
Current assets
€1.6m ▲ 33.5%
Equity and liabilities €1.7m
Equity
€332,640 ▲ 94.9%
Provisions
€3,750 ▲ 15.4%
Debt
€1.3m ▲ 29.3%
Debt's share of the balance-sheet total falls from 85.7% to 80.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€230,420
Cash flow
€173,997
Current ratio
1.20▲
2024 · 1.16
Quick ratio
1.14▲
2024 · 1.12
Debt to equity
4.04▼
2024 · 6.09
ROE
48.7%▼
2024 · 102.8%
ROA
9.6%▼
2024 · 14.5%
Interest coverage
1537.57
Debt ≤ 1 year
€1.3m▲
2024 · €1.0m
Income taxes
€56,903▼
2024 · €61,174
Staff costs
€112,545
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,811 companies that looked in July 2024 the way this one looks now, 0.8% went bankrupt within 24 months and 95% are still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
0.8%
went bankrupt
3.8%
stopped otherwise
95%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% 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 497,058 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% | 1.6% |
| 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 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 3,811 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €17 | €522 | €243 | €1 | - | - |
| Remuneration, social security and pensions62 | - | - | - | - | €112,545 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | - | €12,018 | - |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | -€300 | -€620 | - | - | - | - |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | €2,000 | €1,500 | -€500 | €250 | €500 | ▲ 100% |
| Other operating charges640/8 | €1,440 | €108 | €366 | €3,378 | €3,937 | ▲ 16.6% |
| Non-recurring operating charges66A | - | - | €300 | - | - | - |
| Gross operating margin9900 | €44,312 | €32,127 | €113,356 | €239,984 | €347,403 | ▲ 44.8% |
| Operating profit (loss)9901 | €41,172 | €31,138 | €113,190 | €236,356 | €218,402 | ▼ 7.6% |
| Financial income75/76B | €100 | €200 | €129 | €295 | €630 | ▲ 113% |
| Recurring financial income75 | €100 | €200 | €129 | €145 | €630 | ▲ 333% |
| Non-recurring financial income76B | - | - | - | €150 | - | - |
| Financial charges65/66B | €339 | €244 | €86 | €91 | €150 | ▲ 64.5% |
| Recurring financial charges65 | €339 | €244 | €86 | €91 | €150 | ▲ 64.5% |
| Profit (loss) for the period before taxes9903 | €40,933 | €31,094 | €113,234 | €236,561 | €218,882 | ▼ 7.5% |
| Income taxes67/77 | €10,233 | €7,814 | €29,385 | €61,174 | €56,903 | ▼ 7.0% |
| Profit (loss) for the period9904 | €30,700 | €23,280 | €83,849 | €175,387 | €161,979 | ▼ 7.6% |
| Profit (loss) for the period to be appropriated9905 | €30,700 | €23,280 | €83,849 | €175,387 | €161,979 | ▼ 7.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.2m | €983,647 | €1.1m | €1.2m | €1.7m | ▲ 38.5% |
| Fixed assets21/28 | €10,000 | €10,000 | €10,000 | €10,000 | €74,229 | ▲ 642% |
| Tangible fixed assets22/27 | - | - | - | - | €60,205 | - |
| Furniture and vehicles24 | - | - | - | - | €60,205 | - |
| Financial fixed assets28 | €10,000 | €10,000 | €10,000 | €10,000 | €14,024 | ▲ 40.2% |
| Current assets29/58 | €1.2m | €973,647 | €1.1m | €1.2m | €1.6m | ▲ 33.5% |
| Stocks and contracts in progress3 | €161,091 | €121,372 | €116,508 | €41,123 | €73,101 | ▲ 77.8% |
| Stocks30/36 | €161,091 | €121,372 | €116,508 | €41,123 | €73,101 | ▲ 77.8% |
| Amounts receivable within one year40/41 | €966,260 | €815,712 | €905,179 | €1.1m | €1.5m | ▲ 31.8% |
| Trade receivables40 | €959,609 | €803,375 | €902,700 | €1.1m | €1.4m | ▲ 31.6% |
| Other amounts receivable41 | €6,651 | €12,337 | €2,479 | €5,474 | €10,050 | ▲ 83.6% |
| Cash at bank and in hand54/58 | €96,922 | €36,564 | €32,412 | €60,674 | €79,513 | ▲ 31.0% |
| Deferred charges and accrued income490/1 | - | - | €7 | €8 | €1,245 | ▲ 15,447% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.2m | €983,647 | €1.1m | €1.2m | €1.7m | ▲ 38.5% |
| Equity10/15 | €213,145 | €236,425 | €170,274 | €170,661 | €332,640 | ▲ 94.9% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | - | - | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €192,685 | €215,965 | €149,814 | €150,201 | €312,180 | ▲ 108% |
| Provisions and deferred taxes16 | €2,000 | €3,500 | €3,000 | €3,250 | €3,750 | ▲ 15.4% |
| Provisions for liabilities and charges160/5 | €2,000 | €3,500 | €3,000 | €3,250 | €3,750 | ▲ 15.4% |
| Other liabilities and charges164/5 | €2,000 | €3,500 | €3,000 | €3,250 | €3,750 | ▲ 15.4% |
| Amounts payable17/49 | €1.0m | €743,722 | €890,832 | €1.0m | €1.3m | ▲ 29.3% |
| Amounts payable within one year42/48 | €1.0m | €742,722 | €890,832 | €1.0m | €1.3m | ▲ 29.3% |
| Trade debts44 | €992,082 | €742,722 | €712,968 | €810,094 | €1.3m | ▲ 56.6% |
| Suppliers440/4 | €992,082 | €742,722 | €712,968 | €810,094 | €1.3m | ▲ 56.6% |
| Taxes, remuneration and social security45 | €25,746 | - | €28,089 | €54,522 | €75,038 | ▲ 37.6% |
| Taxes450/3 | €25,746 | - | €28,089 | €54,522 | €52,759 | ▼ 3.2% |
| Remuneration and social security454/9 | - | - | - | - | €22,279 | - |
| Other amounts payable47/48 | - | - | €149,775 | €174,738 | - | - |
| Accrued charges and deferred income492/3 | €1,300 | €1,000 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €30,700 | €23,280 | €83,849 | €175,387 | €161,979 | ▼ 7.6% |
| + Depreciation and write-downs630 | - | - | - | - | €12,018 | - |
| Operating cash flow (approximation) | €30,700 | €23,280 | €83,849 | €175,387 | €173,997 | ▼ 0.8% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | -€76,247 | - |
| Change in cash | - | -€60,358 | -€4,152 | €28,262 | €18,839 | ▼ 33.3% |
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-12
Financial
Equity above €200,000Eq €332,640 ▲94.9%
8 profitable years in a row build equity to €332,640.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €175,387 ▲109%
Operating result €236,356, net result €175,387, both a record.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €23,280 ▼24.2%
Net result drops to €23,280, the lowest in the series; recovery starts the following year.
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Equity above €200,000Eq €213,145 ▲16.8%
4 profitable years in a row build equity to €213,145.
26-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 118 days late
2020
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 62 days late
2019
31-12
Financial
Equity above €150,000Eq €150,454 ▲19.8%
2 profitable years in a row build equity to €150,454.
Show earlier events
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 21 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 acts for this company are 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, Arlon · 2 establishment units since 2003
Ground area
2,994 m²
Building footprint
1,188 m²
Volume, LiDAR
16,300 m³
2 parcels, Wallonia · tallest building 18.2 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
Heinsch, rue de Thiaumont 16, 6700 Arlon
since 20032.134.555.571
RUMIN SRL
since 20122.215.152.277
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92078A0002/02G002 | Wallonia | 2,634 m² | 1 · 1,021 m² | 18.2 m · 5 fl. |
| 81011D0010/00A000 | Wallonia | 359 m² | 1 · 167 m² | 9.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 ownerOwners 1
- RUMIN SARLLUparentSourceown accounts 202599%
Holdings 0
The accounts to 31-12-2025 list no holdings, and no other source names one.
According to the 2025 annual accounts of RUMIN and those of the other companies, the acts in the Belgian Gazette and the LEI register. 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 fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Recognitions · licences · registrations
Food safety, FASFC
1 siteArlon2.134.555.571
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Of 142 companies in sector 46212 we hold annual accounts for 68. 47 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
Founded02-12-2003
Fiscal year end31-12
Activities, NACEBEL 2025
46212Wholesale trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0861966348
Also
9925:BE0861966348
Registered
24-12-2025
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.