RGMN

Active

Private limited companyfounded 20196 yrs activeCipresdreef 10, 9030 Gent, BelgiumKBO/BCE: BE 0737.696.183

Summary

RGMN has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €8k and a net result of €79k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 13% of 37953 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).

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Checked score

Score 2024

69 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100=

Solvency33▲+3

Growth78▲+20

Track record100

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days acceptable

Liquidity tight (current ratio 1.02 against 1.06 in 2023; short-term debt: 90.4% and cash: 65.9% of total assets), and 91.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit check for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 70

Relative position

BE, all sectors

reference

Sector 70

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

8.1%

Return on assets

80.4%

Age of the figures

21 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 37953 sector peers (2024).

NBB · sector comparison

Position among 37953 sector peers

Solvency

better than 13%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-06-2025, 42 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

not confirmed

2024

42 d early

2023

13 d early

2022

35 d early

2021

10 d early

2020

16 d early

← before the deadline after the deadline →

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€8k▲ 60.0%

2023 · €5k

2020: €8k 2021: €48k 2022: €116k 2023: €5k

2020 → 2024

Total assets

€98k▲ 2.8%

2023 · €96k

2020: €50k 2021: €62k 2022: €128k 2023: €96k

2020 → 2024

Net result

€79k▲ 4.1%

2023 · €76k

2020: €33k 2021: €47k 2022: €79k 2023: €76k

2020 → 2024

Working capital

€2k▼ 61.1%

2023 · €5k

2020: €7k 2021: €48k 2022: €116k 2023: €5k

2020 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€8k-€48k▲ 542%€116k▲ 140%€5k▼ 95.7%€8k▲ 60.0%

Operating result€43k-€61k▲ 41.7%€100k▲ 64.7%€96k▼ 4.0%€100k▲ 4.0%

Net result€33k-€47k▲ 45.1%€79k▲ 66.6%€76k▼ 3.6%€79k▲ 4.1%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2024; 2024 is 4% above 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €98k

92.3%

Fixed assets €8k

Current assets €91k

Equity and liabilities €98k

91.9%

Equity €8k ▲ 60.0%

Debt €90k ▼ 0.4%

Debt's share of the balance-sheet total falls from 94.8% to 91.9%. Equity is higher and debt is lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€101k▲

2023 · €96k

Cash flow

€80k▲

2023 · €76k

Current ratio

1.02▼

2023 · 1.06

Debt to equity

11.31▼

2023 · 18.16

ROE

989.6%

ROA

80.4%▲

2023 · 79.4%

Interest coverage

161.64▲

2023 · 148.95

Debt ≤ 1 year

€89k▼

2023 · €91k

Income taxes

€21k▲

2023 · €20k

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 · 2024 against 2023 · 46 lines

Balance sheet Code20232024

Assets

Total assets20/58€96k€98k▲

Fixed assets21/28-€8k

Tangible fixed assets22/27-€8k

Plant, machinery and equipment23-€2k

Furniture and vehicles24-€5k

Current assets29/58€96k€91k▼

Amounts receivable within one year40/41€17k€22k▲

Trade receivables40€14k€17k▲

Other amounts receivable41€2k€5k▲

Current investments50/53-€4k

Cash at bank and in hand54/58€76k€65k▼

Deferred charges and accrued income490/1€4k€130▼

Equity and liabilities

Total equity and liabilities10/49€96k€98k▲

Equity10/15€5k€8k▲

Contributions10/11€5k€5k=

Reserves13€0€3k▲

Distributable reserves133€0€3k▲

Profit (loss) carried forward14€0€0=

Amounts payable17/49€91k€90k▼

Amounts payable within one year42/48€91k€89k▼

Financial debts43€25€142▲

Credit institutions430/8€25€142▲

Trade debts44€5k€2k▼

Suppliers440/4€5k€2k▼

Taxes, remuneration and social security45€10k€11k▲

Taxes450/3€10k€11k▲

Other amounts payable47/48€76k€76k▲

Accrued charges and deferred income492/3-€2k

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0€512▲

Other operating charges640/8€624€573▼

Gross operating margin9900€97k€101k▲

Operating profit (loss)9901€96k€100k▲

Financial income75/76B€194€155▼

Recurring financial income75€194€155▼

Financial charges65/66B€647€623▼

Recurring financial charges65€647€623▼

Profit (loss) for the period before taxes9903€96k€100k▲

Income taxes67/77€20k€21k▲

Profit (loss) for the period9904€76k€79k▲

Profit (loss) for the period to be appropriated9905€76k€79k▲

Appropriation of the result

Profit (loss) to be appropriated9906€76k€79k▲

Transfer from equity791/2€111k€0▼

Transfer to equity691/2€0€3k▲

To other reserves6921€0€3k▲

Profit to be distributed694/7€187k€76k▼

Return on contributions (dividend)694€187k€76k▼

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Timeline · acts, filings and financial milestones

All 9Financial 4Filings 5

2025

19-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Highest result since 2020net €79k ▲4.1%

Net result €79k, the highest in the series.

18-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

26-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Liquidity doublescurrent ratio 10.77

Current ratio from 4.55 to 10.77; short-term debt falls from €13k to €12k.

31-12

Financial Equity above €100kEq €116k ▲140%

3 profitable years in a row build equity to €116k.

21-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

31-12

Financial Liquidity quadruplescurrent ratio 4.55

Current ratio from 1.16 to 4.55; short-term debt falls from €42k to €13k.

15-07

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

0 of 3 acts read

About the unread acts

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors

3 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, Gent · 1 establishment unit since 2019

seat establishment The establishment unit on the map

Ground area

1,043 m²

Building footprint

184 m²

Volume, LiDAR

497 m³

Parcel 44017A1164/00T000, Flanders · tallest building 5.6 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

Cipresdreef 10, 9030 Gent

Agents specialised in the wholesale of other particular products

since 20192.296.110.952

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
44017A1164/00T000	Flanders	1,043 m²	1 · 184 m²	5.6 m · 1 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

GPHR CONSULT

BE 0757.950.278

Braine-le-Comte · Eq €8,000

Kampenhout · Eq €8,001

INTEGRIMO

BE 0789.606.130

Brussel · Eq €7,995

Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 20,491 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

Founded14-11-2019

Fiscal year end31-12

Activities, NACEBEL 2025

70200Business and other management consultancy

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.