RMSI BV · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of RMSI BV is 1.9% (moderate). The 2025 annual accounts show equity of €49k and a net result of €25k. Equity is growing by ~62.1% per year across the filed fiscal years. Its solvency ranks better than 83% of 1078 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Signals

3 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 83% of 1078 peers (2025). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Filed after the deadline

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-05-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

How we compute the deadline

The year end is derived from 3 filed financial years, each closing on 30-09. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-09-2025, that is 30-04-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-09-2025	30-04-2026	31-05-2026	31 d late	2026-00132791
30-09-2024	30-04-2025	30-05-2025	30 d late	2025-00111466
30-09-2023	30-04-2024	27-05-2024	27 d late	2024-00096654

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

1.9% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate sector +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€25k+553.2%

Working capital€45k+94.1%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 31-05-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~62.1%/year over 3 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	73.1%	42.2%	better than 83% of 1078 sector peers
Net result	€25k	€11k	better than 71% of 1079 sector peers
Equity	€49k	€35k	better than 60% of 1080 sector peers
Gross operating margin	€33k	€30k	better than 54% of 1078 sector peers
Staff costs	€2k	€17k	higher than 34% of 285 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P83

Improving position over 2023-2025 · n=1078-3827

Net result P71

Stable position over 2023-2025 · n=1079-3824

Equity P60

Improving position over 2023-2025 · n=1080-3832

Gross operating margin P54

Stable position over 2023-2025 · n=1078-3822

Describes the position versus peers, not a forecast.

EBITDA

€31k

+452.5% 23-25

Net profit

€25k

+553.2% 23-25

Cash flow

€26k

+506.5% 23-25

Total assets

€67k

+58.9% 23-25

Equity

€49k

+107.7% 23-25

Working capital

€45k

+94.1% 23-25

Staff costs

€2k

+64.8% 23-25

Income taxes

€460

-52.8% 23-25

Debt

€18k

-3.0% 23-25

Debt ≤ 1y

€18k

-3.0% 23-25

Current ratio

3.49

+55.6% 23-25

Quick ratio

3.49

+55.6% 23-25

Solvency

73.1%

+30.7% 23-25

Debt / equity

0.37

-53.3% 23-25

ROE

51.8%

+214.5% 23-25

ROA

37.9%

+311.1% 23-25

Interest coverage

7.21

-60.7% 23-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€31k
Net profit	€25k
Cash flow	€26k
Staff costs	€2k
Income taxes	€460
Dividends	-
Total assets	€67k
Equity	€49k
Debt	€18k
of which ≤ 1y	€18k
of which > 1y	-
Working capital	€45k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	3.49
Quick ratio	3.49
Working capital ratio	67.0%
Solvency	73.1%
Debt / equity	0.37
Long-term debt ratio	-
Interest coverage	7.21
Gross margin	-
Net margin	-
ROA	37.9%
ROE	51.8%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €4k · 6.1% Current assets €63k · 93.9%

Equity & liabilities

Equity €49k · 73.1% Debt €18k · 26.9%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€67k
Fixed assets	21/28	€4k
Formation expenses	20	€0
Tangible fixed assets	22/27	€4k
Current assets	29/58	€63k
Amounts receivable within one year	40/41	€46k
Cash & bank	54/58	€17k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€67k
Equity	10/15	€49k
Contributions / capital	10/11	€2k
Accumulated profits (losses)	14	€47k
Amounts payable	17/49	€18k
Amounts payable within one year	42/48	€18k
Trade debts payable within one year	44	€2k
Income statement
Gross operating margin	9900	€33k
Operating result	9901	€30k
Financial charges	65	€4k
Result before taxes	9903	€26k
Income taxes	67/77	€460
Net result for the period	9904	€25k
Result to be appropriated	9905	€25k

You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

100 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Schuttershofstraat 61880 Kapelle-op-den-Bos

Establishment units

1 location

RMSI BV

Schuttershofstraat 6, 1880 Kapelle-op-den-BosReparatie en onderhoud van verwarmingsinstallaties

since 20222.336.827.592

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area281 m²

Buildings1

Building footprint256 m²

Volume (LiDAR)2,097 m³

Tallest building10.3 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23039A0204/00T000	Flanders	281 m²	1 · 256 m²	10.3 m · 3 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

2 acts

Address history · 2

16-10-2024

Registered-office move

23-03-2023

Registered-office move

All acts · 2 updated 1 year ago

2024

16-10-2024 Registered office moved within Kapelle-op-den-Bos Registered-office change

Westdijk 33 bus 3, 1880 Kapelle-op-den-Bos → Schuttershofstraat 6 bus 5, 1880 Kapelle-op-den-Bos

Original publication ↗

2023

23-03-2023 Registered office moved from Genk to Kapelle-op-den-Bos Registered-office change

Loofstraat 8 bus 11, 3600 Genk → Westdijk 33 bus 3, 1880 Kapelle-op-den-Bos

Original publication ↗

Analysis

Snowflake analysis

financial profile on 5 axes

94 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100

Profitability 100

Solvency 100

Growth 78

Stability 94

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