BELROC
ActiveBELROC has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €43k and a net result of €2k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 95% of 6593 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
91
/ 100
Excellent▲ +66 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability20▲+20
Solvency100▲+92
Growth63▲+6
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 8.01 against 0.82 in 2023), and 8.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
91.1%
Return on assets
4.5%
Age of the figures
20 mo
lowers risk · Growing equity
Equity grew over 2022-2024. Profits are largely retained rather than distributed.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €43k
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-01-2026, 168 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
168 d late
2023
477 d late
2022
48 d late
2021
320 d late
2020
685 d late
2019
152 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
€272k▲ 42.8%
2023 · €190k
2018: €137k
2019: €124k
2020: €111k
2021: €214k
2022: €139k
2023: €190k
2018 → 2024
EBIT margin
1.3%▲ 0.6pp
2023 · 0.6%
2018: -19.2%
2019: -23.1%
2020: -3.5%
2021: 0.5%
2022: -11.2%
2023: 0.6%
2018 → 2024
Net result
€2k
2023 · €-15k
2018: €-26k
2019: €-32k
2020: €-4k
2021: €972
2022: €-16k
2023: €-15k
2018 → 2024
Working capital
€29k
2023 · €-13k
2018: €53k
2019: €12k
2020: €17k
2021: €18k
2022: €2k
2023: €-13k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€111k-€214k▲ 92.2%€139k▼ 35.0%€190k▲ 36.8%€272k▲ 42.8%
Equity€30k-€31k▲ 3.3%€15k▼ 50.6%€373▼ 97.5%€43k▲ 11,384%
Operating result€-4k-€1k€-16k€1k€4k▲ 185%
Net result€-4k-€972€-16k€-15k▲ 4.7%€2k
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 185% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €47k
Fixed assets
€14k▲ 2.9%
Current assets
€33k▼ 44.6%
Equity and liabilities €47k
Equity
€43k▲ 11,384%
Debt
€4k▼ 94.3%
The debt ratio falls from 99.5% to 8.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€4k
Cash flow
€2k
Solvency
91.1%▲
2023 · 0.5%
Current ratio
8.01▲
2023 · 0.82
Quick ratio
4.72▲
2023 · 0.62
Debt / equity
0.10
ROE
4.9%
ROA
4.5%▲
2023 · -20.1%
Interest coverage
2.64
Debt
€4k▼
2023 · €73k
Debt ≤ 1 year
€4k▼
2023 · €73k
Staff costs
€27k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€74k€47k▼
Fixed assets21/28€13k€14k▲
Tangible fixed assets22/27€275€655▲
Plant, machinery and equipment23-€600
Furniture and vehicles24€275€55▼
Financial fixed assets28€13k€13k=
Current assets29/58€60k€33k▼
Stocks and contracts in progress3€15k€14k▼
Stocks30/36€15k€14k▼
Amounts receivable within one year40/41€6k€19k▲
Trade receivables40-€19k
Other amounts receivable41€6k€113▼
Cash at bank and in hand54/58€40k€830▼
Equity and liabilities
Total equity and liabilities10/49€74k€47k▼
Equity10/15€373€43k▲
Contributions10/11€19k€59k▲
Capital10€19k€59k▲
Issued capital100€19k€59k▲
Reserves13€73k€73k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€71k€71k=
Profit (loss) carried forward14€-91k€-89k▲
Amounts payable17/49€73k€4k▼
Amounts payable within one year42/48€73k€4k▼
Trade debts44€6k€134▼
Suppliers440/4€6k€134▼
Taxes, remuneration and social security45€1k€4k▲
Taxes450/3€1k€3k▲
Remuneration and social security454/9-€571
Other amounts payable47/48€66k-
Income statement
Code20232024
Turnover70€190k€272k▲
Non-recurring operating income76A-€240k
Goods, raw materials, services and sundry goods60/61€187k-
Remuneration, social security and pensions62-€27k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€220
Other operating charges640/8€2k€502▼
Gross operating margin9900€3k€31k▲
Operating profit (loss)9901€1k€4k▲
Financial charges65/66B€53€1k▲
Recurring financial charges65€53€1k▲
Profit (loss) for the period before taxes9903€1k€2k▲
Income taxes67/77€16k-
Profit (loss) for the period9904€-15k€2k▲
Profit (loss) for the period to be appropriated9905€-15k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-91k€-89k▲
Profit (loss) brought forward from the previous period14P€-76k€-91k▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
15-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 168 days late
2025
20-11
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 477 days late
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
31-12
Financial
Liquidity times 10current ratio 8.01
Current ratio from 0.82 to 8.01; short-term debt falls from €73k to €4k.
2023
17-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 48 days late
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 320 days late
16-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 685 days late
2021
31-12
Financial
Back to profitnet €972
Net result €972 after 3 loss-making years.
2020
30-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 152 days late
2019
31-12
Financial
Weakest financial yearnet €-32k
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
16-12
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 138 days late
2016
28-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 59 days late
2015
28-08
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 28 days late
2014
23-12
NBB filing
Annual accounts filed
fiscal year 2013 · full schema · 145 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Charleroi · 2 establishment units since 2005
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.
Avenue Eugène Mascaux 766001 CharleroiGround area
255 m²
Building footprint
134 m²
Volume, LiDAR
821 m³
2 parcels, Wallonia · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
BELROC / Lamont marque Laco
since 20052.146.975.729
BELROC
since 20052.187.983.369
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52393B0072/00D003 | Wallonia | 201 m² | 1 · 91 m² | 8.4 m · 1 fl. |
| 52393B0090/00M000 | Wallonia | 54 m² | 1 · 43 m² | 11.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteCharleroi2.146.975.729
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Of 10,411 companies in sector 47110 we hold annual accounts for 5,787. 4,533 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded14-04-2005
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
52481
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.