Summary
Assurances Patrick ROBA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €130,421 and a net result of €135,577. Equity is growing by ~9.6% per year across the filed fiscal years. Its solvency ranks better than 47% of 2515 sector peers (fiscal year 2025). The company has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
22 d late
2023
29 d late
2022
22 d late
2021
18 d late
2020
31 d late
2019
78 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 10 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 39% of the sector filed late.
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. Usually files around 22 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€130,421▲ 37.5%
2024 · €94,845
Net result
€135,577▲ 92.0%
2024 · €70,626
Total assets
€272,218▲ 46.3%
2024 · €186,114
Solvency
47.9%▼ 3.1pp
2024 · 51.0%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€46,198▼ 9.9%€19,802▼ 57.1%€72,270▲ 265%€96,332▲ 33.3%€181,878▲ 88.8%
Net result€31,709within the sector's middle half▼ 10.4%€10,172within the sector's middle half▼ 67.9%€47,844within the sector's middle half▲ 370%€70,626within the sector's middle half▲ 47.6%€135,577above the sector's middle half▲ 92.0%
Equity€60,203within the sector's middle half▲ 1.2%€70,375within the sector's middle half▲ 16.9%€74,219within the sector's middle half▲ 5.5%€94,845within the sector's middle half▲ 27.8%€130,421within the sector's middle half▲ 37.5%
Total assets€151,402within the sector's middle half▲ 29.7%€125,165below the sector's middle half▼ 17.3%€169,449within the sector's middle half▲ 35.4%€186,114within the sector's middle half▲ 9.8%€272,218within the sector's middle half▲ 46.3%
Debt€91,199▲ 59.3%€54,791▼ 39.9%€95,230▲ 73.8%€91,269▼ 4.2%€141,797▲ 55.4%
Working capital€31,906within the sector's middle half▼ 7.9%€51,055within the sector's middle half▲ 60.0%€58,162within the sector's middle half▲ 13.9%€77,732within the sector's middle half▲ 33.6%€85,896within the sector's middle half▲ 10.5%
Solvency39.8%within the sector's middle half▼ 11.2pp56.2%within the sector's middle half▲ 16.5pp43.8%within the sector's middle half▼ 12.4pp51.0%within the sector's middle half▲ 7.2pp47.9%within the sector's middle half▼ 3.1pp
Current ratio1.48within the sector's middle half▼ 0.142.59within the sector's middle half▲ 1.111.73within the sector's middle half▼ 0.861.93within the sector's middle half▲ 0.211.61within the sector's middle half▼ 0.33
Return on assets (ROA)20.9%above the sector's middle half▼ 9.4pp8.1%within the sector's middle half▼ 12.8pp28.2%above the sector's middle half▲ 20.1pp37.9%above the sector's middle half▲ 9.7pp49.8%above the sector's middle half▲ 11.9pp
Staff (FTE)1.5▼ 6.3%1.6▲ 6.7%2.6▲ 62.5%1.8▼ 30.8%1.5▼ 16.7%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 89% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €272,218
Fixed assets
€45,148 ▲ 79.4%
Current assets
€227,071 ▲ 41.1%
Equity and liabilities €272,218
Equity
€130,421 ▲ 37.5%
Debt
€141,797 ▲ 55.4%
Debt's share of the balance-sheet total rises from 49.0% to 52.1%. Equity and debt are higher.
Key figures and ratios
ROE
104.0%▲
2024 · 74.5%
Debt ≤ 1 year
€141,175▲
2024 · €83,222
Debt > 1 year
€622▼
2024 · €8,047
Income taxes
€46,060▲
2024 · €25,363
Staff costs
€91,331▼
2024 · €101,002
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €6,920 | - | - | - | - |
| Remuneration, social security and pensions62 | €66,175 | €75,246 | €123,641 | €101,002 | €91,331 | ▼ 9.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €17,043 | €16,380 | €12,115 | €10,773 | €13,159 | ▲ 22.1% |
| Other operating charges640/8 | €2,008 | €1,281 | €1,309 | €1,273 | €1,417 | ▲ 11.3% |
| Gross operating margin9900 | €131,423 | €112,708 | €209,336 | €209,380 | €287,785 | ▲ 37.4% |
| Operating profit (loss)9901 | €46,198 | €19,802 | €72,270 | €96,332 | €181,878 | ▲ 88.8% |
| Financial income75/76B | - | - | - | €19 | €6 | ▼ 65.7% |
| Recurring financial income75 | - | - | - | €19 | €6 | ▼ 65.7% |
| Financial charges65/66B | €3,249 | €2,591 | €2,158 | €362 | €247 | ▼ 31.6% |
| Recurring financial charges65 | €3,249 | €2,591 | €2,158 | €362 | €247 | ▼ 31.6% |
| Profit (loss) for the period before taxes9903 | €42,948 | €17,211 | €70,112 | €95,989 | €181,637 | ▲ 89.2% |
| Income taxes67/77 | €11,240 | €7,039 | €22,268 | €25,363 | €46,060 | ▲ 81.6% |
| Profit (loss) for the period9904 | €31,709 | €10,172 | €47,844 | €70,626 | €135,577 | ▲ 92.0% |
| Profit (loss) for the period to be appropriated9905 | €31,709 | €10,172 | €47,844 | €70,626 | €135,577 | ▲ 92.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €151,402 | €125,165 | €169,449 | €186,114 | €272,218 | ▲ 46.3% |
| Fixed assets21/28 | €52,911 | €41,998 | €31,456 | €25,160 | €45,148 | ▲ 79.4% |
| Tangible fixed assets22/27 | €52,911 | €41,998 | €31,456 | €25,160 | €45,148 | ▲ 79.4% |
| Land and buildings22 | €3,473 | €3,094 | €2,715 | €2,336 | €32,347 | ▲ 1,285% |
| Plant, machinery and equipment23 | €4,592 | €6,975 | €5,712 | €7,642 | €5,295 | ▼ 30.7% |
| Furniture and vehicles24 | €38,846 | €30,929 | €23,028 | €15,182 | €7,506 | ▼ 50.6% |
| Leasing and similar rights25 | €6,000 | €1,000 | - | - | - | - |
| Current assets29/58 | €98,491 | €83,167 | €137,993 | €160,954 | €227,071 | ▲ 41.1% |
| Amounts receivable within one year40/41 | €51,152 | €73,106 | €48,695 | €74,074 | €78,530 | ▲ 6.0% |
| Trade receivables40 | €22,175 | €33,404 | €20,161 | €25,289 | €27,033 | ▲ 6.9% |
| Other amounts receivable41 | €28,977 | €39,701 | €28,535 | €48,785 | €51,498 | ▲ 5.6% |
| Cash at bank and in hand54/58 | €45,089 | €9,762 | €89,297 | €83,241 | €143,714 | ▲ 72.6% |
| Deferred charges and accrued income490/1 | €2,250 | €300 | - | €3,638 | €4,826 | ▲ 32.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €151,402 | €125,165 | €169,449 | €186,114 | €272,218 | ▲ 46.3% |
| Equity10/15 | €60,203 | €70,375 | €74,219 | €94,845 | €130,421 | ▲ 37.5% |
| Contributions10/11 | €12,800 | €12,800 | €12,800 | €12,800 | €12,800 | = |
| Reserves13 | €46,312 | €46,312 | €46,312 | €46,312 | €46,312 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | - | - | - |
| Tax-exempt reserves132 | €4,800 | €4,800 | €4,800 | €4,800 | €4,800 | = |
| Distributable reserves133 | €39,652 | €39,652 | €39,652 | €41,512 | €41,512 | = |
| Profit (loss) carried forward14 | €1,090 | €11,263 | €15,107 | €35,733 | €71,309 | ▲ 99.6% |
| Amounts payable17/49 | €91,199 | €54,791 | €95,230 | €91,269 | €141,797 | ▲ 55.4% |
| Amounts payable after more than one year17 | €24,614 | €22,678 | €15,399 | €8,047 | €622 | ▼ 92.3% |
| Financial debts170/4 | €24,614 | €22,678 | €15,399 | €8,047 | €622 | ▼ 92.3% |
| Amounts payable within one year42/48 | €66,585 | €32,112 | €79,831 | €83,222 | €141,175 | ▲ 69.6% |
| Current portion of amounts payable after more than one year42 | €8,628 | €7,208 | €7,279 | €7,352 | €7,425 | ▲ 1.0% |
| Trade debts44 | €9,173 | €9,824 | €9,467 | €15,308 | €9,972 | ▼ 34.9% |
| Suppliers440/4 | €9,173 | €9,824 | €9,467 | €15,308 | €9,972 | ▼ 34.9% |
| Taxes, remuneration and social security45 | €11,630 | €12,874 | €19,084 | €10,108 | €23,358 | ▲ 131% |
| Taxes450/3 | €2,150 | €2,150 | €2,268 | - | €6,060 | - |
| Remuneration and social security454/9 | €9,480 | €10,724 | €16,817 | €10,108 | €17,297 | ▲ 71.1% |
| Other amounts payable47/48 | €37,155 | €2,207 | €44,000 | €50,454 | €100,420 | ▲ 99.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €31,709 | €10,172 | €47,844 | €70,626 | €135,577 | ▲ 92.0% |
| + Depreciation and write-downs630 | €17,043 | €16,380 | €12,115 | €10,773 | €13,159 | ▲ 22.1% |
| Operating cash flow (approximation) | €48,752 | €26,552 | €59,959 | €81,399 | €148,736 | ▲ 82.7% |
| Investment in fixed assets (approximation) | - | -€5,467 | -€1,573 | -€4,477 | -€33,147 | ▼ 640% |
| Change in cash | - | -€35,327 | €79,536 | -€6,056 | €60,473 | ▲ 1,099% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Highest result since 2018net €135,577 ▲92%
Operating result €181,878, net result €135,577, both a record.
31-12
Financial
Equity above €100,000Eq €130,421 ▲37.5%
8 profitable years in a row build equity to €130,421.
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-12
Financial
Weakest financial yearnet €10,172 ▼67.9%
Net result drops to €10,172, the lowest in the series; recovery starts the following year.
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
14-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
06-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 4 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Thuin · 1 establishment unit since 1991
Ground area
174 m²
Building footprint
101 m²
Volume, LiDAR
767 m³
Parcel 56030B0169/00E002, Wallonia · tallest building 9.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Bierque(GOZ) 21, 6534 Thuin
since 19912.052.116.954
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56030B0169/00E002 | Wallonia | 174 m² | 1 · 101 m² | 9.0 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 ownerChain of control
- Assurances Roba
- Assurances Patrick ROBA
Highest known parent: Assurances Roba. The sources do not say who stands above it.
Owners 1
- Assurances Robaparent100%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 4,671 companies in this sector we hold annual accounts for 3,221. 2,780 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded12-03-1991
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Contact
E-mail
info@assurancesroba.be
Phone
0471313108
Phone
071519010Thuin
E-invoicing
Not found in the Peppol register
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If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.