R&M Dental
ActiveSummary
R&M Dental has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €65k and a net result of €24k. Equity is growing by ~52.6% per year across the filed fiscal years. Its solvency ranks better than 12% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability62▼-3
Solvency32▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.51 against 1.66 in 2024; short-term debt: 11.5% and cash: 12.6% of total assets), but 93% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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
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
7%
Return on assets
2.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 16546 sector peers (2025).
NBB · sector comparisonPosition among 16546 sector peers
Solvency
better than 12%
← weakest
strongest →
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 18-04-2026, 104 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
104 d early
2024
30 d late
2023
31 d late
2022
32 d late
2021
33 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€24k▲ 86.5%
2024 · €13k
2021: €-54k
2022: €-68k
2023: €-48k
2024: €13k
2021 → 2025
Working capital
€55k▼ 39.6%
2024 · €92k
2021: €64k
2022: €48k
2023: €-34k
2024: €92k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-34k-€76k€28k▼ 63.0%€41k▲ 46.9%€65k▲ 59.5%
Operating result€-37k-€-51k▼ 35.7%€-29k▲ 41.9%€37k€55k▲ 48.8%
Net result€-54k-€-68k▼ 25.0%€-48k▲ 29.5%€13k€24k▲ 86.5%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 49% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €936k
Fixed assets
€773k ▼ 9.2%
Current assets
€163k ▼ 29.1%
Equity and liabilities €936k
Equity
€65k ▲ 59.5%
Debt
€871k ▼ 16.3%
Debt's share of the balance-sheet total falls from 96.2% to 93.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€150k▲
2024 · €130k
Cash flow
€120k▲
2024 · €106k
Current ratio
1.51▼
2024 · 1.66
Debt to equity
13.30▼
2024 · 25.34
ROE
37.3%▲
2024 · 31.9%
ROA
2.6%▲
2024 · 1.2%
Interest coverage
4.84▼
2024 · 5.37
Debt ≤ 1 year
€108k▼
2024 · €138k
Debt > 1 year
€749k▼
2024 · €819k
Staff costs
€157k▲
2024 · €126k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.08M€936k▼
Fixed assets21/28€851k€773k▼
Tangible fixed assets22/27€851k€773k▼
Land and buildings22€769k€727k▼
Plant, machinery and equipment23€7k€4k▼
Furniture and vehicles24€2k€594▼
Leasing and similar rights25€73k€42k▼
Current assets29/58€230k€163k▼
Amounts receivable within one year40/41€24k-
Trade receivables40€24k-
Cash at bank and in hand54/58€203k€118k▼
Deferred charges and accrued income490/1€4k€45k▲
Equity and liabilities
Total equity and liabilities10/49€1.08M€936k▼
Equity10/15€41k€65k▲
Contributions10/11€20k€20k=
Revaluation surpluses12€177k€177k=
Profit (loss) carried forward14€-156k€-132k▲
Amounts payable17/49€1.04M€871k▼
Amounts payable after more than one year17€819k€749k▼
Financial debts170/4€819k€749k▼
Amounts payable within one year42/48€138k€108k▼
Current portion of amounts payable after more than one year42€85k€74k▼
Trade debts44€2k€13k▲
Suppliers440/4€2k€13k▲
Taxes, remuneration and social security45€29k€21k▼
Remuneration and social security454/9€29k€21k▼
Other amounts payable47/48€23k-
Accrued charges and deferred income492/3€83k€14k▼
Income statement
Code20242025
Remuneration, social security and pensions62€126k€157k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€93k€95k▲
Other operating charges640/8€11k€14k▲
Gross operating margin9900€267k€321k▲
Operating profit (loss)9901€37k€55k▲
Financial income75/76B€311€552▲
Recurring financial income75€311€552▲
Financial charges65/66B€24k€31k▲
Recurring financial charges65€24k€31k▲
Profit (loss) for the period before taxes9903€13k€24k▲
Income taxes67/77€-128-
Profit (loss) for the period9904€13k€24k▲
Profit (loss) for the period to be appropriated9905€13k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-156k€-132k▲
Profit (loss) brought forward from the previous period14P€-169k€-156k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
18-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €24k ▲86.5%
Operating result €55k, net result €24k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Back to profitnet €13k
Net result €13k after 3 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 1.66
Current ratio from 0.83 to 1.66; short-term debt falls from €200k to €138k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 32 days late
2022
31-12
Financial
Weakest financial yearnet €-68k
Net result drops to €-68k, the lowest in the series; recovery starts the following year.
02-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 33 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Lens (Hainaut) · 1 establishment unit since 2020
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue Amedée Gain(L) 17870 Lens (Hainaut)Ground area
187 m²
Building footprint
105 m²
Volume, LiDAR
979 m³
Parcel 53046E0314/00B000, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
R&M Dental
since 20202.313.081.992
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53046E0314/00B000 | Wallonia | 187 m² | 1 · 105 m² | 10.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
BDental Corporation
BE 0780.651.347
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Bitewing
BE 0733.685.927
Herent · Eq €65,434
JULIE RAEDTS
BE 1003.995.530
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CABINET BRAUN ROMAIN
BE 0662.893.743
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Tandartsenpraktijk Visser
BE 0656.798.183
Arendonk · Eq €65,600
Of 6,942 companies in sector 86230 we hold annual accounts for 4,291. 3,321 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-06-2020
Fiscal year end31-12
Activities, NACEBEL 2025
86230Dental practice
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.