La Roma
ActiveThe computed 12-month bankruptcy probability of La Roma is 1.8% (moderate). The annual accounts of La Roma for fiscal year 2025 show a net loss of 78% of the equity at the start of that year. The 2025 annual accounts show equity of €26k and a net result of €-91k. Equity is growing by ~23.3% per year across the filed fiscal years. Its solvency ranks better than 27% of 13270 sector peers (fiscal year 2025). The company has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
36
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability7▼-93
Solvency28▼-43
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.14 against 1.78 in 2024; short-term debt: 34.2% and cash: 4.4% of total assets), and 97.2% 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 56
Relative position
BE, all sectors
reference
Sector 56
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 2025Solvency, return and age of the figures
Solvency
2.8%
Return on assets
-9.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
31 d late
2022
32 d late
2021
31 d late
2020
31 d late
2019
112 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€26k▼ 77.5%
2024 · €118k
2018: €21k
2019: €13k
2020: €49k
2021: €66k
2022: €74k
2023: €88k
2024: €118k
2018 → 2025
Total assets
€955k▲ 275%
2024 · €255k
2018: €117k
2019: €181k
2020: €449k
2021: €234k
2022: €239k
2023: €336k
2024: €255k
2018 → 2025
Net result
€-91k
2024 · €80k
2018: €15k
2019: €-7k
2020: €35k
2021: €17k
2022: €9k
2023: €13k
2024: €80k
2018 → 2025
Working capital
€46k▼ 56.8%
2024 · €107k
2018: €15k
2019: €9k
2020: €47k
2021: €65k
2022: €74k
2023: €88k
2024: €107k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€66k-€74k▲ 13.1%€88k▲ 17.8%€118k▲ 34.2%€26k▼ 77.5%
Operating result€19k-€14k▼ 28.1%€20k▲ 43.1%€113k▲ 477%€-79k
Net result€17k-€9k▼ 49.4%€13k▲ 54.1%€80k▲ 503%€-91k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €79k after €113k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €955k
Fixed assets
€583k▲ 5,253%
Current assets
€372k▲ 52.8%
Equity and liabilities €955k
Equity
€26k▼ 77.5%
Debt
€929k▲ 578%
The debt ratio rises from 53.8% to 97.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-75k▼
2024 · €114k
Cash flow
€-87k▼
2024 · €81k
Solvency
2.8%▼
2024 · 46.2%
Current ratio
1.14▼
2024 · 1.78
Quick ratio
1.14▼
2024 · 1.78
Debt / equity
35.18▲
2024 · 1.17
ROE
-345.2%▼
2024 · 68.0%
ROA
-9.5%▼
2024 · 31.4%
Interest coverage
-6.19▼
2024 · 32.46
Debt
€929k▲
2024 · €137k
Debt ≤ 1 year
€326k▲
2024 · €137k
Debt > 1 year
€603k
Income taxes
€152▼
2024 · €30k
Staff costs
€61k▲
2024 · €45k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€255k€955k▲
Fixed assets21/28€11k€583k▲
Tangible fixed assets22/27€11k€583k▲
Land and buildings22-€574k
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€6k€5k▼
Current assets29/58€244k€372k▲
Amounts receivable within one year40/41€214k€328k▲
Trade receivables40€28k€192k▲
Other amounts receivable41€186k€136k▼
Cash at bank and in hand54/58€30k€42k▲
Deferred charges and accrued income490/1€55€2k▲
Equity and liabilities
Total equity and liabilities10/49€255k€955k▲
Equity10/15€118k€26k▼
Contributions10/11€6k€6k=
Reserves13€4k€4k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€2k€2k=
Profit (loss) carried forward14€107k€16k▼
Amounts payable17/49€137k€929k▲
Amounts payable after more than one year17-€603k
Financial debts170/4-€603k
Amounts payable within one year42/48€137k€326k▲
Trade debts44€42k€78k▲
Suppliers440/4€42k€78k▲
Advances received on contracts in progress46-€145k
Taxes, remuneration and social security45€41k€39k▼
Taxes450/3€37k€33k▼
Remuneration and social security454/9€4k€6k▲
Other amounts payable47/48€54k€64k▲
Income statement
Code20242025
Remuneration, social security and pensions62€45k€61k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€958€4k▲
Other operating charges640/8€678€85k▲
Gross operating margin9900€160k€71k▼
Operating profit (loss)9901€113k€-79k▼
Financial income75/76B€202€175▼
Recurring financial income75€202€175▼
Financial charges65/66B€4k€12k▲
Recurring financial charges65€4k€12k▲
Profit (loss) for the period before taxes9903€110k€-91k▼
Income taxes67/77€30k€152▼
Profit (loss) for the period9904€80k€-91k▼
Profit (loss) for the period to be appropriated9905€80k€-91k▼
Appropriation of the result
Profit (loss) to be appropriated9906€157k€16k▼
Profit (loss) brought forward from the previous period14P€78k€107k▲
Profit to be distributed694/7€50k-
Return on contributions (dividend)694€50k-
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-91k ▼214%
Net result drops to €-91k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €80k ▲503%
Operating result €113k, net result €80k, both a record.
31-12
Financial
Equity above €100kEq €118k ▲34.2%
5 profitable years in a row build equity to €118k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €35k
Net result €35k after one loss-making year.
20-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 112 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2018
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
07-03-2018
Haling Frédéric: Resigned as Manager
07-03-2018
Remaut Nathalie: Resigned as Manager
Location & real-estate footprint
Registered office, Hannut · 2 establishment units since 1995
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.
Rue de Tirlemont 2A4280 HannutGround area
1,505 m²
Building footprint
514 m²
Volume, LiDAR
5,408 m³
3 parcels, Wallonia · tallest building 19.8 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
LA FONTANINA
since 19952.072.838.035
Express Hannutois
since 20262.386.569.588
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64034A0638/00M000 | Wallonia | 818 m² | 1 · 175 m² | - |
| 64034A0354/00L000 | Wallonia | 367 m² | 1 · 94 m² | 18.6 m · 5 fl. |
| 64034A0353/00Z000 | Wallonia | 320 m² | 1 · 245 m² | 19.8 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 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
2 sitesHannut2.386.569.588
Hannut2.072.838.035
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,458. 9,280 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-06-1995
Fiscal year end31-12
Activities, NACEBEL
55301
55522
56101Full-service restaurants
56111Full-service restaurants
56210Event catering
55401
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 30 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.