GILLARD et ROLAIN
ActiveGILLARD et ROLAIN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The latest annual accounts of GILLARD et ROLAIN were filed more than 90 days after the deadline. The 2024 annual accounts show equity of €782k and a net result of €57k. Equity is growing by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 82% of 775 sector peers (fiscal year 2024). The company has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Filing: Filed more than 90 days late
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 31-10-2025, 92 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
92 d late
2023
61 d late
2022
31 d late
2021
88 d late
2020
61 d late
2019
62 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Equity
€782k▲ 7.9%
2023 · €725k
2018: €414k
2019: €443k
2020: €500k
2021: €543k
2022: €667k
2023: €725k
2018 → 2024
Net result
€57k▼ 1.4%
2023 · €58k
2018: €10k
2019: €29k
2020: €57k
2021: €43k
2022: €124k
2023: €58k
2018 → 2024
Total assets
€1.04M▼ 0.6%
2023 · €1.05M
2018: €1.18M
2019: €1.12M
2020: €1.11M
2021: €1.04M
2022: €1.07M
2023: €1.05M
2018 → 2024
Solvency
75.1%▲ 5.9pp
2023 · 69.3%
2018: 35.0%
2019: 39.6%
2020: 45.2%
2021: 52.0%
2022: 62.5%
2023: 69.3%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€500k-€543k▲ 8.6%€667k▲ 22.8%€725k▲ 8.7%€782k▲ 7.9%
Operating result€97k-€53k▼ 45.2%€88k▲ 64.4%€98k▲ 12.1%€92k▼ 6.1%
Net result€57k-€43k▼ 25.1%€124k▲ 189%€58k▼ 53.3%€57k▼ 1.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 6% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.04M
Fixed assets
€900k▼ 0.9%
Current assets
€141k▲ 1.6%
Equity and liabilities €1.04M
Equity
€782k▲ 7.9%
Debt
€259k▼ 19.5%
The debt ratio falls from 30.7% to 24.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
75.1%▲
2023 · 69.3%
ROE
7.3%▼
2023 · 8.0%
ROA
5.5%▼
2023 · 5.5%
Debt
€259k▼
2023 · €322k
Debt ≤ 1 year
€143k▲
2023 · €126k
Debt > 1 year
€116k▼
2023 · €193k
Income taxes
€25k▲
2023 · €25k
Staff costs
€112k▲
2023 · €109k
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€1.05M€1.04M▼
Fixed assets21/28€908k€900k▼
Intangible fixed assets21€101k€101k=
Tangible fixed assets22/27€156k€148k▼
Land and buildings22€135k€129k▼
Plant, machinery and equipment23€20k€18k▼
Furniture and vehicles24€1k€846▼
Financial fixed assets28€651k€651k=
Current assets29/58€139k€141k▲
Amounts receivable within one year40/41€112k€100k▼
Trade receivables40€75k€50k▼
Other amounts receivable41€37k€50k▲
Cash at bank and in hand54/58€25k€39k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.05M€1.04M▼
Equity10/15€725k€782k▲
Contributions10/11€124k€124k=
Capital10€124k€124k=
Issued capital100€124k€124k=
Reserves13€601k€658k▲
Non-distributable reserves130/1€14k€14k=
Legal reserve130€12k€12k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€586k€643k▲
Amounts payable17/49€322k€259k▼
Amounts payable after more than one year17€193k€116k▼
Financial debts170/4€193k€116k▼
Amounts payable within one year42/48€126k€143k▲
Current portion of amounts payable after more than one year42€76k€98k▲
Financial debts43-€8k
Credit institutions430/8-€8k
Trade debts44€12k€11k▼
Suppliers440/4€12k€11k▼
Taxes, remuneration and social security45€27k€19k▼
Taxes450/3€16k€7k▼
Remuneration and social security454/9€11k€12k▲
Other amounts payable47/48€10k€7k▼
Accrued charges and deferred income492/3€3k-
Income statement
Code20232024
Remuneration, social security and pensions62€109k€112k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€8k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€620€-2k▼
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€2k€2k▲
Gross operating margin9900€219k€215k▼
Operating profit (loss)9901€98k€92k▼
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€16k€10k▼
Recurring financial charges65€16k€10k▼
Profit (loss) for the period before taxes9903€82k€82k▼
Income taxes67/77€25k€25k▲
Profit (loss) for the period9904€58k€57k▼
Profit (loss) for the period to be appropriated9905€58k€57k▼
Appropriation of the result
Profit (loss) to be appropriated9906€58k€57k▼
Transfer to equity691/2€58k€57k▼
To other reserves6921€58k€57k▼
Social balance
Average headcount (FTE)90871.51.5=
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 92 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 61 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €124k ▲189%
Net result €124k, the highest in the series.
27-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 88 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Equity above €500kEq €500k ▲12.9%
3 profitable years in a row build equity to €500k.
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 62 days late
2019
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
06-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Ciney · 1 establishment unit since 1993
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.
Fays(Achêne) 535590 CineyGround area
812 m²
Building footprint
199 m²
Parcel 91001B0229/00D006, Wallonia. Linked by address, not a title deed.
1 establishment unit
Fays(Achêne) 53, 5590 Ciney
since 19932.060.329.686
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91001B0229/00D006 | Wallonia | 812 m² | 1 · 199 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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DATAFIN
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INSURO
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,351 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded25-11-1992
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
67201
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.