Summary
Kroman 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 €412,311 and a net result of €23,961. Equity is growing by ~17.9% per year across the filed fiscal years. Its solvency ranks better than 88% of 5593 sector peers (fiscal year 2025). The company has been active since 2013 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 · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
27 d late
2024
23 d early
2023
78 d early
2022
32 d early
2021
53 d early
2020
18 d early
2019
11 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 27 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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 29 June (4 of the last 5 filed years within 45 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€412,311▲ 6.2%
2024 · €388,350
Net result
€23,961▼ 54.8%
2024 · €53,001
Total assets
€443,892▲ 1.3%
2024 · €438,254
Solvency
92.9%▲ 4.3pp
2024 · 88.6%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
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 64, Financial service activities, except insurance and pension funding, 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).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€56,883▲ 74.3%€79,315▲ 39.4%€79,313=€77,281▼ 2.6%€35,727▼ 53.8%
Net result€36,712within the sector's middle half▲ 88.1%€54,234within the sector's middle half▲ 47.7%€53,818within the sector's middle half▼ 0.8%€53,001within the sector's middle half▼ 1.5%€23,961within the sector's middle half▼ 54.8%
Equity€227,297within the sector's middle half▲ 19.3%€281,531within the sector's middle half▲ 23.9%€335,349within the sector's middle half▲ 19.1%€388,350within the sector's middle half▲ 15.8%€412,311within the sector's middle half▲ 6.2%
Total assets€382,998below the sector's middle half▲ 4.8%€379,616below the sector's middle half▼ 0.9%€348,898below the sector's middle half▼ 8.1%€438,254below the sector's middle half▲ 25.6%€443,892below the sector's middle half▲ 1.3%
Debt€155,700▼ 11.0%€98,085▼ 37.0%€13,549▼ 86.2%€49,904▲ 268%€31,581▼ 36.7%
Working capital-€67,275within the sector's middle half▲ 9.3%-€33,364within the sector's middle half▲ 50.4%€20,454within the sector's middle half€73,455within the sector's middle half▲ 259%€97,416within the sector's middle half▲ 32.6%
Solvency59.3%within the sector's middle half▲ 7.2pp74.2%within the sector's middle half▲ 14.8pp96.1%above the sector's middle half▲ 22.0pp88.6%above the sector's middle half▼ 7.5pp92.9%above the sector's middle half▲ 4.3pp
Current ratio0.50within the sector's middle half▲ 0.100.66within the sector's middle half▲ 0.162.51within the sector's middle half▲ 1.852.47within the sector's middle half▼ 0.044.08above the sector's middle half▲ 1.61
Return on assets (ROA)9.6%within the sector's middle half▲ 4.2pp14.3%above the sector's middle half▲ 4.7pp15.4%above the sector's middle half▲ 1.1pp12.1%above the sector's middle half▼ 3.3pp5.4%within the sector's middle half▼ 6.7pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 54% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €443,892
Fixed assets
€314,895 =
Current assets
€128,997 ▲ 4.6%
Equity and liabilities €443,892
Equity
€412,311 ▲ 6.2%
Debt
€31,581 ▼ 36.7%
Debt's share of the balance-sheet total falls from 11.4% to 7.1%. Equity is higher and debt is lower.
Key figures and ratios
ROE
5.8%▼
2024 · 13.6%
Debt ≤ 1 year
€31,581▼
2024 · €49,904
Income taxes
€11,843▼
2024 · €24,310
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 |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €543 | €544 | €641 | €387 | €400 | ▲ 3.2% |
| Gross operating margin9900 | €57,426 | €79,859 | €79,954 | €77,668 | €36,127 | ▼ 53.5% |
| Operating profit (loss)9901 | €56,883 | €79,315 | €79,313 | €77,281 | €35,727 | ▼ 53.8% |
| Financial income75/76B | - | - | - | €93 | €19 | ▼ 79.3% |
| Recurring financial income75 | - | - | - | €93 | €19 | ▼ 79.3% |
| Financial charges65/66B | €4,885 | €3,252 | €264 | €63 | -€58 | ▼ 192% |
| Recurring financial charges65 | €4,885 | €3,252 | €264 | €63 | -€58 | ▼ 192% |
| Profit (loss) for the period before taxes9903 | €51,998 | €76,063 | €79,049 | €77,311 | €35,804 | ▼ 53.7% |
| Income taxes67/77 | €15,286 | €21,829 | €25,232 | €24,310 | €11,843 | ▼ 51.3% |
| Profit (loss) for the period9904 | €36,712 | €54,234 | €53,818 | €53,001 | €23,961 | ▼ 54.8% |
| Profit (loss) for the period to be appropriated9905 | €36,712 | €54,234 | €53,818 | €53,001 | €23,961 | ▼ 54.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €382,998 | €379,616 | €348,898 | €438,254 | €443,892 | ▲ 1.3% |
| Fixed assets21/28 | €314,895 | €314,895 | €314,895 | €314,895 | €314,895 | = |
| Financial fixed assets28 | €314,895 | €314,895 | €314,895 | €314,895 | €314,895 | = |
| Current assets29/58 | €68,103 | €64,721 | €34,003 | €123,359 | €128,997 | ▲ 4.6% |
| Amounts receivable within one year40/41 | €10,527 | €12,632 | €12,127 | €86,733 | €97,284 | ▲ 12.2% |
| Trade receivables40 | €10,527 | €12,632 | €12,127 | €86,733 | €97,284 | ▲ 12.2% |
| Other amounts receivable41 | €0 | - | - | - | - | - |
| Cash at bank and in hand54/58 | €56,927 | €51,440 | €21,227 | €35,978 | €31,065 | ▼ 13.7% |
| Deferred charges and accrued income490/1 | €648 | €648 | €649 | €648 | €648 | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €382,998 | €379,616 | €348,898 | €438,254 | €443,892 | ▲ 1.3% |
| Equity10/15 | €227,297 | €281,531 | €335,349 | €388,350 | €412,311 | ▲ 6.2% |
| Contributions10/11 | €80,000 | €80,000 | €80,000 | €80,000 | €80,000 | = |
| Reserves13 | €147,297 | €201,531 | €255,349 | €308,350 | €332,311 | ▲ 7.8% |
| Non-distributable reserves130/1 | €8,000 | €8,000 | €0 | - | - | - |
| Reserves not available under the articles1311 | €8,000 | €8,000 | €0 | - | - | - |
| Distributable reserves133 | €139,297 | €193,531 | €255,349 | €308,350 | €332,311 | ▲ 7.8% |
| Amounts payable17/49 | €155,700 | €98,085 | €13,549 | €49,904 | €31,581 | ▼ 36.7% |
| Amounts payable after more than one year17 | €20,323 | €0 | - | - | - | - |
| Financial debts170/4 | €20,323 | €0 | - | - | - | - |
| Amounts payable within one year42/48 | €135,378 | €98,085 | €13,549 | €49,904 | €31,581 | ▼ 36.7% |
| Current portion of amounts payable after more than one year42 | €29,836 | €20,323 | €0 | - | - | - |
| Trade debts44 | - | €2,841 | €1,630 | €13,149 | €5,291 | ▼ 59.8% |
| Suppliers440/4 | - | €2,841 | €1,630 | €13,149 | €5,291 | ▼ 59.8% |
| Taxes, remuneration and social security45 | €23,872 | €45,676 | €11,676 | €36,512 | €26,047 | ▼ 28.7% |
| Taxes450/3 | €23,872 | €45,676 | €11,676 | €36,512 | €26,047 | ▼ 28.7% |
| Other amounts payable47/48 | €81,670 | €29,245 | €243 | €243 | €243 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €36,712 | €54,234 | €53,818 | €53,001 | €23,961 | ▼ 54.8% |
| Operating cash flow (approximation) | €36,712 | €54,234 | €53,818 | €53,001 | €23,961 | ▼ 54.8% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€5,487 | -€30,213 | €14,751 | -€4,913 | ▼ 133% |
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
14-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity quadruplescurrent ratio 2.51
Current ratio from 0.66 to 2.51; short-term debt falls from €98,085 to €13,549.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €54,234 ▲47.7%
Operating result €79,315, net result €54,234, both a record.
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €200,000Eq €227,297 ▲19.3%
4 profitable years in a row build equity to €227,297.
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €150,000Eq €171,070 ▲19.5%
2 profitable years in a row build equity to €171,070.
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
11-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
08-06
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
4 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, Bornem · 1 establishment unit since 2013
Ground area
2,798 m²
Building footprint
1,080 m²
Volume, LiDAR
6,025 m³
Parcel 12015D0434/00D000, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kroman
since 20132.219.699.005
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12015D0434/00D000 | Flanders | 2,798 m² | 1 · 1,080 m² | 7.6 m · 2 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 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
99.97%
According to the 2025 annual accounts of Kroman and those 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 24,728 companies in sector 64210 we hold annual accounts for 19,805. 13,737 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded12-06-2013
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70200Business and other management consultancy
73300Public relations and communication consultancy
Contact
E-mail
kenneth.roelandt@skynet.beBornem
Phone
0476 55 27 81Bornem
E-invoicing
Reachable via Peppol
Peppol ID
0208:0535655180
Also
9925:BE0535655180
Registered
16-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.