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 about 9.6% per year across the filed financial years. Its solvency ranks better than 48% of 3,019 sector peers (NACE 66, financial year 2025). The company has been active since 1991 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, micro format
2025 annual accounts filed late (28 days) Filed on 28 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00443824.
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
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
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.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€181,878
2025
Net result€135,577
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€272,218
2025
Equity€130,421
2025
Debt€141,797
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€85,896
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)49.8%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency47.9%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio1.61
2025
Average staff in full-time equivalents (FTE).
Staff (FTE)1.5
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. 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 financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€41,811-€38,220▼ 8.6%€51,270▲ 34.1%€46,198▼ 9.9%€19,802▼ 57.1%€72,270▲ 265%€96,332▲ 33.3%€181,878▲ 88.8%
Net result€27,716-€25,129▼ 9.3%€35,382within the sector's middle half▲ 40.8%€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€55,411-€59,112▲ 6.7%€59,494within the sector's middle half▲ 0.6%€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€153,565-€108,214▼ 29.5%€116,732below the sector's middle half▲ 7.9%€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€98,154-€49,102▼ 50.0%€57,238▲ 16.6%€91,199▲ 59.3%€54,791▼ 39.9%€95,230▲ 73.8%€91,269▼ 4.2%€141,797▲ 55.4%
Working capital-€2,321-€9,900€34,638within the sector's middle half▲ 250%€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%
Solvency36.1%-54.6%▲ 18.5pp51.0%within the sector's middle half▼ 3.7pp39.8%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 ratio0.97-1.22▲ 0.241.62within the sector's middle half▲ 0.401.48within 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)18.0%-23.2%▲ 5.2pp30.3%above the sector's middle half▲ 7.1pp20.9%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)1.5-1.5=1.6within the sector's middle half▲ 6.7%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 of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them.
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 | 2018 | 2019 | 2020 | 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 | €7,405 | €11,418 | €32,554 | €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 | €100,346 | €104,926 | €141,508 | €131,423 | €112,708 | €209,336 | €209,380 | €287,785 | ▲ 37.4% |
| Operating profit (loss)9901 | €41,811 | €38,220 | €51,270 | €46,198 | €19,802 | €72,270 | €96,332 | €181,878 | ▲ 88.8% |
| Financial income75/76B | - | - | - | - | - | - | €19 | €6 | ▼ 65.7% |
| Recurring financial income75 | €101 | €0 | €50 | - | - | - | €19 | €6 | ▼ 65.7% |
| Financial charges65/66B | - | - | - | €3,249 | €2,591 | €2,158 | €362 | €247 | ▼ 31.6% |
| Recurring financial charges65 | €813 | €460 | €3,443 | €3,249 | €2,591 | €2,158 | €362 | €247 | ▼ 31.6% |
| Profit (loss) for the period before taxes9903 | €39,506 | €36,651 | €47,876 | €42,948 | €17,211 | €70,112 | €95,989 | €181,637 | ▲ 89.2% |
| Income taxes67/77 | €11,791 | €11,521 | €12,495 | €11,240 | €7,039 | €22,268 | €25,363 | €46,060 | ▲ 81.6% |
| Profit (loss) for the period9904 | €27,716 | €25,129 | €35,382 | €31,709 | €10,172 | €47,844 | €70,626 | €135,577 | ▲ 92.0% |
| Profit (loss) for the period to be appropriated9905 | €27,716 | €25,129 | €35,382 | €31,709 | €10,172 | €47,844 | €70,626 | €135,577 | ▲ 92.0% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €153,565 | €108,214 | €116,732 | €151,402 | €125,165 | €169,449 | €186,114 | €272,218 | ▲ 46.3% |
| Fixed assets21/28 | €64,428 | €53,010 | €26,242 | €52,911 | €41,998 | €31,456 | €25,160 | €45,148 | ▲ 79.4% |
| Tangible fixed assets22/27 | €64,428 | €53,010 | €26,242 | €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 | €89,137 | €55,204 | €90,489 | €98,491 | €83,167 | €137,993 | €160,954 | €227,071 | ▲ 41.1% |
| Amounts receivable within one year40/41 | €73,095 | €49,586 | €44,050 | €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 | €13,946 | €3,301 | €45,303 | €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 | €153,565 | €108,214 | €116,732 | €151,402 | €125,165 | €169,449 | €186,114 | €272,218 | ▲ 46.3% |
| Equity10/15 | €55,411 | €59,112 | €59,494 | €60,203 | €70,375 | €74,219 | €94,845 | €130,421 | ▲ 37.5% |
| Contributions10/11 | €12,800 | €12,800 | €12,800 | €12,800 | €12,800 | €12,800 | €12,800 | €12,800 | = |
| Reserves13 | €42,611 | €46,312 | €46,312 | €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 | - | - | €382 | €1,090 | €11,263 | €15,107 | €35,733 | €71,309 | ▲ 99.6% |
| Amounts payable17/49 | €98,154 | €49,102 | €57,238 | €91,199 | €54,791 | €95,230 | €91,269 | €141,797 | ▲ 55.4% |
| Amounts payable after more than one year17 | €6,196 | €3,798 | €1,387 | €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 | €91,458 | €45,304 | €55,851 | €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 | €54,083 | €4,632 | €2,078 | €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 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €27,716 | €25,129 | €35,382 | €31,709 | €10,172 | €47,844 | €70,626 | €135,577 | ▲ 92.0% |
| + Depreciation and write-downs630 | €7,405 | €11,418 | €32,554 | €17,043 | €16,380 | €12,115 | €10,773 | €13,159 | ▲ 22.1% |
| Operating cash flow (approximation) | €35,121 | €36,547 | €67,935 | €48,752 | €26,552 | €59,959 | €81,399 | €148,736 | ▲ 82.7% |
| Investment in fixed assets (approximation) | - | €0 | -€5,786 | -€43,711 | -€5,467 | -€1,573 | -€4,477 | -€33,147 | ▼ 640% |
| Change in cash | - | -€10,645 | €42,002 | -€215 | -€35,327 | €79,536 | -€6,056 | €60,473 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 35 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 28-08-2026 | 2026-00443824 |
| 31-12-2024 | micro format | 22-08-2025 | 2025-00391699 |
| 31-12-2023 | micro format | 29-08-2024 | 2024-00393627 |
| 31-12-2022 | micro format | 22-08-2023 | 2023-00340783 |
| 31-12-2021 | micro format | 18-08-2022 | 2022-20293911 |
| 31-12-2020 | micro format | 31-08-2021 | 2021-58500428 |
| 31-12-2019 | micro format | 14-05-2020 | 2020-12100289 |
| 31-12-2018 | micro format | 06-06-2019 | 2019-16300582 |
| 31-12-2017 | micro format | 12-06-2018 | 2018-17600277 |
| 31-12-2016 | micro format | 19-05-2017 | 2017-12900006 |
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Of the 4,610 active companies whose main activity is insurance agents and brokers (NACE 66220), figures are known for 3,210. 2,761 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.