RUMO
Open bankruptcyA bankruptcy procedure is open for RUMO according to publications in the Belgian State Gazette; curator: PIERRE MACHIELS.
Summary
The 2023 annual accounts show equity of €11,799 and a net result of -€2,310.
Are 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 Liège, Liège division
- Declared bankrupt
- 17 July 2025
- Supervising judge
- Myriam Graillet
- Official Gazette
- 24-07-2025 (pdf) ↗search the document for 2025/132351
Curator
- Pierre MachielsRue Des Croisiers 15, 4500 Huyp.machiels@avocatmachiels.be
What to do now
- Do not deliver on credit any more without an agreement with the curator.
- 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 under conditions.
- Follow the file in RegSol: the verification report (admitted or disputed) and the curator's reports appear there.
Deadlines: the judgment sets the last day to file your claim, by law at most thirty days after the judgment, and the day of the first verification report. Both dates are in the publication in the Official Gazette and in RegSol; Checked does not read them yet. A late claim is sometimes still possible, but not without consequences.
File a claim in RegSol ↗
Watch
Follow this bankruptcy: you are alerted when it is closed or reversed.
General information, not legal advice. If in doubt, the curator, your lawyer or your accountant can help. Full guide for creditors
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 10-07-2024, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
21 d early
2022
60 d early
2021
20 d early
2020
25 d early
2019
21 d early
← 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 29 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 (1)
History
Go further with this company
Who ran this company, and where was it based, on a date before the end?Company as of a date Is the registered address a letterbox address or a business centre?Address check Are there other customers at risk in your own list?Debtor check How is the Floor and wall tiling sector doing?Sector figures
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2023, micro schema
Equity
€11,799▼ 16.4%
2022 · €14,109
Total assets
€34,705▼ 23.1%
2022 · €45,108
Net result
-€2,310
2022 · €2,534
Working capital
€7,698▼ 32.2%
2022 · €11,353
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
Line20192020202120222023
Operating result€6,594€4,160▼ 36.9%€10,851▲ 161%€11,707▲ 7.9%-€164
Net result€2,096€40▼ 98.1%€3,947▲ 9,717%€2,534▼ 35.8%-€2,310
Equity€7,587▲ 38.2%€7,627▲ 0.5%€11,575▲ 51.8%€14,109▲ 21.9%€11,799▼ 16.4%
Total assets€37,680▼ 18.8%€27,105▼ 28.1%€43,853▲ 61.8%€45,108▲ 2.9%€34,705▼ 23.1%
Debt€30,093▼ 26.4%€19,478▼ 35.3%€32,278▲ 65.7%€30,999▼ 4.0%€22,905▼ 26.1%
Working capital€7,778▲ 36.9%€5,395▼ 30.6%€10,324▲ 91.4%€11,353▲ 10.0%€7,698▼ 32.2%
Staff (FTE)2.4▼ 27.3%2.4=2▼ 16.7%2.4▲ 20.0%2.5▲ 4.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2023: a loss of €164 after €11,707 in 2022, the lowest result in the available series.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €34,705
Fixed assets
€4,101 ▲ 48.8%
Current assets
€30,603 ▼ 27.7%
Equity and liabilities €34,705
Equity
€11,799 ▼ 16.4%
Debt
€22,905 ▼ 26.1%
Debt's share of the balance-sheet total falls from 68.7% to 66.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€2,041▼
2022 · €13,128
Cash flow
-€105▼
2022 · €3,955
Current ratio
1.34▼
2022 · 1.37
Debt to equity
1.94▼
2022 · 2.20
ROE
-19.6%▼
2022 · 18.0%
ROA
-6.7%▼
2022 · 5.6%
Interest coverage
2.48▲
2022 · 2.36
Debt ≤ 1 year
€22,905▼
2022 · €30,999
Income taxes
€1,335▼
2022 · €3,600
Staff costs
€93,731▲
2022 · €93,549
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €114,753 | €93,549 | €93,731 | ▲ 0.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €794 | €982 | €1,420 | €2,205 | ▲ 55.2% |
| Other operating charges640/8 | - | - | €3,133 | €1,583 | €1,466 | ▼ 7.4% |
| Gross operating margin9900 | €123,153 | €109,542 | €129,719 | €108,259 | €97,238 | ▼ 10.2% |
| Operating profit (loss)9901 | €6,594 | €4,160 | €10,851 | €11,707 | -€164 | ▼ 101% |
| Financial income75/76B | - | - | €1 | €0 | €13 | ▲ 10,367% |
| Recurring financial income75 | €2 | €44 | €1 | €0 | €13 | ▲ 10,367% |
| Financial charges65/66B | - | - | €1,373 | €5,573 | €823 | ▼ 85.2% |
| Recurring financial charges65 | €1,194 | €1,257 | €1,373 | €5,573 | €823 | ▼ 85.2% |
| Profit (loss) for the period before taxes9903 | €5,403 | €2,947 | €9,479 | €6,135 | -€975 | ▼ 116% |
| Income taxes67/77 | €3,307 | €2,907 | €5,532 | €3,600 | €1,335 | ▼ 62.9% |
| Profit (loss) for the period9904 | €2,096 | €40 | €3,947 | €2,534 | -€2,310 | ▼ 191% |
| Profit (loss) for the period to be appropriated9905 | €2,096 | €40 | €3,947 | €2,534 | -€2,310 | ▼ 191% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €37,680 | €27,105 | €43,853 | €45,108 | €34,705 | ▼ 23.1% |
| Fixed assets21/28 | €99 | €2,522 | €1,541 | €2,756 | €4,101 | ▲ 48.8% |
| Tangible fixed assets22/27 | - | €2,181 | €1,199 | €2,415 | €3,760 | ▲ 55.7% |
| Furniture and vehicles24 | - | - | €1,199 | €2,415 | €3,760 | ▲ 55.7% |
| Financial fixed assets28 | €99 | €341 | €341 | €341 | €341 | = |
| Current assets29/58 | €37,581 | €24,582 | €42,312 | €42,352 | €30,603 | ▼ 27.7% |
| Stocks and contracts in progress3 | €12,100 | €10,833 | - | €4,197 | - | - |
| Stocks30/36 | - | - | - | €4,197 | - | - |
| Amounts receivable within one year40/41 | €12,061 | €3,091 | €34,462 | €13,618 | €14,801 | ▲ 8.7% |
| Trade receivables40 | - | - | €30,186 | €8,398 | €10,440 | ▲ 24.3% |
| Other amounts receivable41 | - | - | €4,276 | €5,220 | €4,362 | ▼ 16.4% |
| Cash at bank and in hand54/58 | €11,465 | €9,783 | €7,264 | €22,825 | €15,169 | ▼ 33.5% |
| Deferred charges and accrued income490/1 | - | - | €586 | €1,712 | €633 | ▼ 63.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €37,680 | €27,105 | €43,853 | €45,108 | €34,705 | ▼ 23.1% |
| Equity10/15 | €7,587 | €7,627 | €11,575 | €14,109 | €11,799 | ▼ 16.4% |
| Contributions10/11 | €9,916 | - | €9,916 | €9,916 | €9,916 | = |
| Reserves13 | €1,184 | €1,184 | €1,184 | €1,184 | €1,184 | = |
| Non-distributable reserves130/1 | - | - | €1,184 | €1,184 | €1,184 | = |
| Reserves not available under the articles1311 | - | - | €1,184 | €1,184 | €1,184 | = |
| Profit (loss) carried forward14 | -€3,513 | -€3,473 | €475 | €3,009 | €700 | ▼ 76.7% |
| Amounts payable17/49 | €30,093 | €19,478 | €32,278 | €30,999 | €22,905 | ▼ 26.1% |
| Amounts payable within one year42/48 | €29,803 | €19,188 | €31,988 | €30,999 | €22,905 | ▼ 26.1% |
| Trade debts44 | €17,609 | €9,722 | €20,950 | €15,708 | €10,080 | ▼ 35.8% |
| Suppliers440/4 | - | - | €20,950 | €15,708 | €10,080 | ▼ 35.8% |
| Taxes, remuneration and social security45 | - | - | €6,631 | €10,887 | €8,088 | ▼ 25.7% |
| Taxes450/3 | - | - | €2,532 | €3,132 | €600 | ▼ 80.8% |
| Remuneration and social security454/9 | - | - | €4,099 | €7,755 | €7,488 | ▼ 3.4% |
| Other amounts payable47/48 | - | - | €4,407 | €4,403 | €4,737 | ▲ 7.6% |
| Accrued charges and deferred income492/3 | - | - | €290 | - | - | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,096 | €40 | €3,947 | €2,534 | -€2,310 | ▼ 191% |
| + Depreciation and write-downs630 | - | €794 | €982 | €1,420 | €2,205 | ▲ 55.2% |
| Operating cash flow (approximation) | €2,096 | €834 | €4,929 | €3,955 | -€105 | ▼ 103% |
| Investment in fixed assets (approximation) | - | -€3,217 | €0 | -€2,636 | -€3,550 | ▼ 34.7% |
| Change in cash | - | -€1,683 | -€2,518 | €15,561 | -€7,656 | ▼ 149% |
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
2025
24-07
Bankruptcy
Opening
Tribunal de l’entreprise de Liège, division Liège · event 17-07-2025
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €3,947 ▲9,717%
Net result €3,947, the highest in the series.
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €2,096
Net result €2,096 after one loss-making year.
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
2017
20-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 51 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
2015
07-07
NBB filing
Annual accounts filed
fiscal year 2014 · full schema
SignalFinancial 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, Ans · 1 establishment unit since 1993
Ground area
192 m²
Building footprint
54 m²
Volume, LiDAR
370 m³
Parcel 62332B0151/00Y004, Wallonia · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
RUMO SPRL
since 19932.061.867.434
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62332B0151/00Y004 | Wallonia | 192 m² | 1 · 54 m² | 7.2 m · 2 fl. |
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.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | PIERRE MACHIELS RUE DES CROISIERS 15, 4500 HUY- |
17-07-2025 → present |
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Of 3,959 companies in sector 43331 we hold annual accounts for 1,788. 1,161 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 (pre-2019)
Founded12-02-1993
Fiscal year end31-12
Activities, NACEBEL 2025
43331Floor and wall tiling
Scores and ratios are computed by Checked and are not a credit decision.