IMMO ROVER
ActiveSummary
IMMO ROVER has been active since 2008 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€63,366) and a net result of €8,672. Equity is growing by about 6.6% per year across the filed financial years. The computed 12-month bankruptcy probability is 0.5% (low).
Overview
- Equity
- -€63,366
- Profit
- €8,672
- ROMAN Alain Guy Marcel EmileDirector
Why 54raises riskCapped at 59: negative equityNegative equity -€63,366lowers riskSize: total assets €123,618Founded in 2008Liquidity: current ratio 0.16, cash €22,712Show the evidence
Checked score
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro): better than 5% on solvency, 13% on liquidity, 42% on profitability and 70% on growth.
The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 7 accounts on average 15 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Annual accounts filedfinancial year 2024 · micro…
- Highest result from 2018 to 2025net €11,936 ▲75.7%
Financials · financial year 2025, micro format
2025 annual accounts filed late (27 days) Filed on 27 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00490715.
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result falls in 2025; 2025 is 24% below 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Use the arrow keys on the chart for the figures per year.
Peer companies
Historical observationOf the 3,632 companies that looked in July 2024 the way this one looks now, 2.9% went bankrupt within 24 months and 91.9% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a profit of 5% of the balance sheet or more
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.5% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,632 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16,836 | €16,331 | €10,542 | €7,448 | €5,571 | €6,999 | €6,096 | €6,096 | = |
| Other operating charges640/8 | - | - | - | €2,073 | €2,116 | €2,570 | €2,402 | €2,546 | ▲ 6.0% |
| Gross operating margin9900 | €23,131 | €22,637 | €21,604 | €22,401 | €20,291 | €22,131 | €25,462 | €21,540 | ▼ 15.4% |
| Operating profit (loss)9901 | €4,346 | €4,270 | €9,002 | €12,881 | €12,605 | €12,562 | €16,964 | €12,899 | ▼ 24.0% |
| Recurring financial income75 | €0 | €0 | - | - | - | - | - | - | - |
| Financial charges65/66B | - | - | - | €7,101 | €6,469 | €5,770 | €5,028 | €4,226 | ▼ 15.9% |
| Recurring financial charges65 | €8,157 | €8,340 | €7,685 | €7,101 | €6,469 | €5,770 | €5,028 | €4,226 | ▼ 15.9% |
| Profit (loss) for the period before taxes9903 | -€3,811 | -€4,070 | €1,317 | €5,780 | €6,136 | €6,793 | €11,936 | €8,672 | ▼ 27.3% |
| Income taxes67/77 | €0 | - | - | - | - | - | - | - | - |
| Profit (loss) for the period9904 | -€3,811 | -€4,070 | €1,317 | €5,780 | €6,136 | €6,793 | €11,936 | €8,672 | ▼ 27.3% |
| Profit (loss) for the period to be appropriated9905 | -€3,811 | -€4,070 | €1,317 | €5,780 | €6,136 | €6,793 | €11,936 | €8,672 | ▼ 27.3% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €149,651 | €137,265 | €129,190 | €125,595 | €136,472 | €130,153 | €130,671 | €123,618 | ▼ 5.4% |
| Fixed assets21/28 | €139,004 | €124,461 | €113,919 | €106,472 | €119,388 | €112,389 | €106,294 | €100,198 | ▼ 5.7% |
| Tangible fixed assets22/27 | €139,004 | €124,461 | €113,919 | €106,472 | €119,388 | €112,389 | €106,294 | €100,198 | ▼ 5.7% |
| Land and buildings22 | - | - | - | €106,472 | €119,388 | €112,389 | €106,294 | €100,198 | ▼ 5.7% |
| Current assets29/58 | €10,647 | €12,804 | €15,270 | €19,123 | €17,084 | €17,764 | €24,377 | €23,420 | ▼ 3.9% |
| Amounts receivable within one year40/41 | €488 | - | - | - | - | - | - | - | - |
| Cash at bank and in hand54/58 | €10,160 | €12,804 | €14,743 | €18,555 | €16,439 | €17,764 | €23,688 | €22,712 | ▼ 4.1% |
| Deferred charges and accrued income490/1 | - | - | - | €568 | €645 | - | €689 | €708 | ▲ 2.8% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €149,651 | €137,265 | €129,190 | €125,595 | €136,472 | €130,153 | €130,671 | €123,618 | ▼ 5.4% |
| Equity10/15 | -€99,930 | -€104,000 | -€102,684 | -€96,904 | -€90,768 | -€83,975 | -€72,039 | -€63,366 | ▲ 12.0% |
| Contributions10/11 | €18,600 | €18,600 | - | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | -€118,530 | -€122,600 | -€121,284 | -€115,504 | -€109,368 | -€102,575 | -€90,639 | -€81,966 | ▲ 9.6% |
| Amounts payable17/49 | €249,581 | €241,265 | €231,873 | €222,499 | €227,240 | €214,128 | €202,710 | €186,984 | ▼ 7.8% |
| Amounts payable after more than one year17 | €125,309 | €115,366 | €104,799 | €93,571 | €81,639 | €68,959 | €56,505 | €42,248 | ▼ 25.2% |
| Financial debts170/4 | - | - | - | €93,571 | €81,639 | €68,959 | €56,505 | €42,248 | ▼ 25.2% |
| Amounts payable within one year42/48 | €124,272 | €125,900 | €127,074 | €128,928 | €145,601 | €145,169 | €146,205 | €144,736 | ▼ 1.0% |
| Current portion of amounts payable after more than one year42 | - | - | - | €12,033 | €12,786 | €13,586 | €13,416 | €14,257 | ▲ 6.3% |
| Trade debts44 | €20,385 | €20,385 | €20,912 | €21,181 | €21,521 | €20,385 | €21,074 | €21,093 | ▲ 0.1% |
| Suppliers440/4 | - | - | - | €21,181 | €21,521 | €20,385 | €21,074 | €21,093 | ▲ 0.1% |
| Other amounts payable47/48 | - | - | - | €95,714 | €111,294 | €111,198 | €111,715 | €109,386 | ▼ 2.1% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€3,811 | -€4,070 | €1,317 | €5,780 | €6,136 | €6,793 | €11,936 | €8,672 | ▼ 27.3% |
| + Depreciation and write-downs630 | €16,836 | €16,331 | €10,542 | €7,448 | €5,571 | €6,999 | €6,096 | €6,096 | = |
| Operating cash flow (approximation) | €13,026 | €12,261 | €11,859 | €13,227 | €11,707 | €13,791 | €18,032 | €14,768 | ▼ 18.1% |
| Investment in fixed assets (approximation) | - | -€1,788 | €0 | €0 | -€18,487 | €0 | €0 | €0 | - |
| Change in cash | - | €2,644 | €1,939 | €3,812 | -€2,116 | €1,325 | €5,925 | -€976 | - |
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 17 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 27-08-2026 | 2026-00490715 |
| 31-12-2024 | micro format | 21-08-2025 | 2025-00391201 |
| 31-12-2023 | micro format | 23-08-2024 | 2024-00372313 |
| 31-12-2022 | micro format | 03-07-2023 | 2023-00215749 |
| 31-12-2021 | micro format | 28-07-2022 | 2022-20274948 |
| 31-12-2020 | micro format | 29-07-2021 | 2021-45600459 |
| 31-12-2019 | micro format | 05-10-2020 | 2020-59400306 |
| 31-12-2018 | micro format | 30-07-2019 | 2019-42000075 |
| 31-12-2017 | micro format | 27-07-2018 | 2018-39600404 |
| 31-12-2016 | micro format | 06-07-2017 | 2017-28300445 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| ROMAN Alain Guy Marcel Emile |
|
Owners and capital
Capital and shareholders
- 04-08-2023 Converted to unavailable equity · €18,600
Group and network
Connections & network
1 connected companyThe connected companies are in the list below.
History
Acts, filings and financial milestones
04-08
Gazette deed
Resignation: ROMAN Alain Guy Marcel Emile (manager)Reappointment: ROMAN Alain Guy Marcel Emile (director) · Capital conversion · Amendment of the articles9 facts ▸
- General meeting, “assemblée générale extraordinaire de la SRL « IMMO ROVER »” (deed in French)
- Other provision, “adaptation des statuts et maintien de la forme légale, adapter les statuts aux dispositions du Code des sociétés et des associations” (deed in French)
- Capital conversion, “compte de capitaux propres statutairement indisponible” (deed in French)
- Amendment of the articles
- Director resignation, ROMAN Alain Guy Marcel Emile (manager)
- Director reappointment, ROMAN Alain Guy Marcel Emile (director (not named in the articles))
- Director discharge, ROMAN Alain Guy Marcel Emile
- Registered office clause, “7331 Baudour,rue du Temple,40, SIXIEME RESOLUTION” (deed in French)
- Other provision, “unanimité, adoption des résolutions” (deed in French)
About the unread acts
Of the 2 Belgian Official Gazette deeds we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.
Register details
No listing in the Peppol Directory under this enterprise or VAT number. That proves nothing: being listed there is voluntary.
What can you do?
Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.
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If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 31 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 53009B0309/00K000 | Wallonia | 1,968 m² | 1 · 91 m² | 9.7 m · 3 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “L’achat,l’échange,la prise en location et en sous-location,ainsi que la cession en location et en sous-location,le tout avec ou sans option…” (deed in French)
5 activities (deed in French)
- L’achat,l’échange,la prise en location et en sous-location,ainsi que la cession en location et en sous-location,le tout avec ou sans option d’achat,l’exploitation et l’entretien de maisons,appartements,bureaux,magasins,fonds de commerce,terrains,terres et domaines,et de manière générale,de tous biens immobiliers ainsi que toutes opérations de financement.
- Elle pourra ériger toutes constructions pour son compte ou pour compte de tiers,en tant que maître de l’ouvrage ou entrepreneur général,et effectuer,éventuellement aux biens immobiliers,des transformations et mises en valeur ainsi que l’étude et l’aménagement de lotissements y compris la construction de routes et égouts ; souscrire des engagements en tant que conseiller en construction (« études de génie civil et des divers équipements techniques des immeubles) ; acheter tous matériaux,signer tous contrats d’entreprises qui seraient nécessaires,réaliser toutes opérations de change,commission et courtage,ainsi que la gérance d’immeubles.
- Elle peut acheter,exploiter et construire tant pour elle-même que pour des tiers,par location ou autrement,tous parkings,garages,station-service et d’entretien.
- La société pourra d’une façon générale accomplir toutes opérations commerciales,industrielles,financières,mobilières ou immobilières se rapportant directement ou indirectement à son objet ou qui seraient de nature à en faciliter directement ou indirectement sa réalisation.
- La société pourra s’intéresser directement ou indirectement par voie d’apport,de participation,d’alliance,de fusion,de souscription d’achat d’actions,d’obligations ou de tous autres titres ou autrement,dans toutes sociétés,syndicats,groupements ou entreprises existant actuellement ou à créer,qui auraient un objet principal ou secondaire semblable,analogue ou connexe au sien,s’y rattachant directement ou indirectement,ou susceptible de favoriser,faciliter ou étendre la réalisation de l’objet.
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- IMMO ROVER
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Région wallonne, établir par simple décision de l’organe d’administration des sièges administratifs,d'exploitation,agences et succursales en…” (deed in French)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- “B/ Pouvoirs Chaque administrateur agissant seul représente la société à l'égard des tiers et en justice et peut poser tous les actes…”
- Board ruleHow the board is made up, meets and takes decisions.
- “Avec ou sans limitation de durée, administration” (deed in French)1 more provision on this in the deed
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “Nominatives, 186” (deed in French)
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Pli recommandé ou suivant l’autre mode de communication utilisé conformément au 1er alinéa de l’article 2:32 CSA vis-à-vis de l’actionnaire…” (deed in French)
Oversight and winding up
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Possibilité de dissolution-clôture en un seul acte, plus étendus conférés par articles 2:87 et suivants CSA” (deed in French)