Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 23 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
R.T.C. FINANCES from Liège, company number BE0448996964, closed financial year 2025 with a result of € 19,133 after tax. For that financial year R.T.C. FINANCES recorded a gross margin of € 66,194 and equity of € 105,372. Compared with financial year 2024, the result moved from € 34,272 to € 19,133. The company is profitable. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on August 24, 2026.
€ 105,372
▲ 22% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 19,133
▼ 44% vs 2024
Profit after tax over the fiscal year.
€ 2,088
▼ 66% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 43,372.
Debts at end 2025
€ 192,539
▼ 2% vs 2024
€ 20,211 is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.
€ 48,037
▼ 43% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 23,083
▲ 22% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 57,458 | € 79,562 | € 89,433 | € 66,194 | ▼ 26% |
| Profit after taxes | € -18,209 | € 20,597 | € 34,272 | € 19,133 | ▼ 44% |
| Equity | € 31,370 | € 51,967 | € 86,239 | € 105,372 | ▲ 22% |
| Total debts | € 416,579 | € 369,725 | € 316,521 | € 279,249 | ▼ 12% |
| Cash | € 8,792 | € 4,508 | € 6,064 | € 2,088 | ▼ 66% |
| Land & buildings | € 412,951 | € 392,690 | € 372,430 | € 352,749 | ▼ 5% |
| Retained profit | € -30,630 | € -10,033 | € 24,239 | € 43,372 | ▲ 79% |
| Bank debt | € 295,911 | € 247,529 | € 197,029 | € 192,539 | ▼ 2% |
| Balance sheet total | € 497,535 | € 471,279 | € 452,347 | € 434,208 | ▼ 4% |
Key figures of R.T.C. FINANCES, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to R.T.C. FINANCES?
What happened at R.T.C. FINANCES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 19,133 (▼ 44% vs 2024). filed late Source: NBB ↗
- Toni ROSA became a director. NBB
- New establishment in Liège. KBO
- Start of the company according to the CBE. KBO
In short
From € 18,209 loss in 2022 to € 19,133 profit in 2025.
Paid € 25,447 in corporate taxes since 2022.
Best year ever: 2024, with € 34,272 profit.
Management
Behind R.T.C. FINANCES is Toni ROSA. Toni ROSA is also behind MEUBLES ROSA.
Directors
According to the 2025 annual accounts
since 2023
Establishments
Establishment units
Physical locations of this company
Rue de Herve 44
4020 Liège
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0448.996.964
- VAT number
- BE 0448.996.964
- Registered office
- Rue de Herve 44, 4020 Liège
- Names & denominations
- R.T.C. FINANCES
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 21 December 1992
- Peppol
- Active · Active since 1 Jan 2001
- Activities · NACE
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