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 26 % of short-term debt in 2025; threshold 65 %.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
RM VERZEKERINGEN from Alveringem, company number BE0801773591, closed financial year 2025 with a result of € 22,205 after tax. For that financial year RM VERZEKERINGEN recorded a gross margin of € 120,381 and equity of € 50,529. Compared with financial year 2024, the result moved from € 28,017 to € 22,205. The company is profitable. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 30, 2026.
€ 50,529
▲ 73% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 22,205
▼ 21% vs 2024
Profit after tax over the fiscal year.
€ 19,019
▲ 2% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 833 paid out
4 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
€ 18,682
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 25,108
▼ 32% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 253,516
▼ 20% vs 2024
€ 63,820 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 1,146
▼ 83% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 5,769
▲ 126% vs 2024
Taxes, VAT and social contributions still to pay.
| 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|
| Gross margin | € 122,441 | € 120,381 | ▼ 2% |
| Profit after taxes | € 28,017 | € 22,205 | ▼ 21% |
| Equity | € 29,158 | € 50,529 | ▲ 73% |
| Total debts | € 373,965 | € 308,853 | ▼ 17% |
| Cash | € 18,671 | € 19,019 | ▲ 2% |
| Retained profit | € 27,158 | € 48,529 | ▲ 79% |
| Dividend | € 859 | € 833 | ▼ 3% |
| Bank debt | € 315,696 | € 253,516 | ▼ 20% |
| Balance sheet total | € 403,123 | € 359,382 | ▼ 11% |
Key figures of RM VERZEKERINGEN, fiscal years 2024 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 RM VERZEKERINGEN?
What happened at RM VERZEKERINGEN in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 22,205 (▼ 21% vs 2024). Source: NBB ↗
- New establishment in Alveringem. KBO
- Start of the company according to the CBE. KBO
In short
From € 28,017 profit in 2024 to € 22,205 profit in 2025.
Paid € 20,608 in corporate taxes since 2024.
Best year ever: 2024, with € 28,017 profit.
Paid out € 1,692 in dividends to the owners in total.
Management
Behind RM VERZEKERINGEN is Ruben Monkerhey.
Directors
According to the 2025 annual accounts
Ruben Monkerhey
Director
Establishments
Establishment units
Physical locations of this company
Hostede 4a
8690 Alveringem
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0801.773.591
- VAT number
- BE 0801.773.591
- Registered office
- Hostede 4a, 8690 Alveringem
- Names & denominations
- RM VERZEKERINGEN
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 15 May 2023
- Peppol
- Not registered
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars