LA ROMANCE
ActiveLA ROMANCE has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €562k and a net result of €177k. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 59% of 3668 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+13
Solvency64▲+10
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity short (current ratio 0.58 against 0.29 in 2024; short-term debt: 39.8% and cash: 9.8% of total assets), and 61.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
38.5%
Return on assets
12.2%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 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
14 d late
2024
14 d early
2023
21 d early
2022
21 d late
2021
29 d late
2020
16 d late
2019
17 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€177k▲ 810%
2024 · €19k
2018: €52k
2019: €31k
2020: €-34k
2021: €187k
2022: €98k
2023: €63k
2024: €19k
2018 → 2025
Working capital
€-246k▲ 38.9%
2024 · €-402k
2018: €-118k
2019: €-100k
2020: €-84k
2021: €87k
2022: €-35k
2023: €-205k
2024: €-402k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€544k-€642k▲ 18.0%€705k▲ 9.8%€385k▼ 45.4%€562k▲ 46.1%
Operating result€256k-€145k▼ 43.5%€101k▼ 30.3%€287k▲ 185%€246k▼ 14.5%
Net result€187k-€98k▼ 47.4%€63k▼ 35.8%€19k▼ 69.0%€177k▲ 810%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.46M
Fixed assets
€1.12M▼ 2.2%
Current assets
€334k▲ 102%
Equity and liabilities €1.46M
Equity
€562k▲ 46.1%
Debt
€897k▼ 3.6%
The debt ratio falls from 70.8% to 61.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€401k▼
2024 · €419k
Cash flow
€332k▲
2024 · €151k
Solvency
38.5%▲
2024 · 29.2%
Current ratio
0.58▲
2024 · 0.29
Quick ratio
0.48▲
2024 · 0.22
Debt / equity
1.60▼
2024 · 2.42
ROE
31.6%▲
2024 · 5.1%
ROA
12.2%▲
2024 · 1.5%
Interest coverage
12.20▼
2024 · 13.62
Debt
€897k▼
2024 · €931k
Debt ≤ 1 year
€580k▲
2024 · €568k
Debt > 1 year
€317k▼
2024 · €363k
Income taxes
€57k▼
2024 · €65k
Staff costs
€1.58M▲
2024 · €1.42M
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€1.32M€1.46M▲
Fixed assets21/28€1.15M€1.12M▼
Tangible fixed assets22/27€660k€634k▼
Land and buildings22€80k€80k=
Plant, machinery and equipment23€47k€51k▲
Furniture and vehicles24€56k€50k▼
Leasing and similar rights25€20k€13k▼
Other tangible fixed assets26€457k€440k▼
Financial fixed assets28€490k€490k=
Current assets29/58€165k€334k▲
Stocks and contracts in progress3€41k€53k▲
Stocks30/36€41k€53k▲
Amounts receivable within one year40/41€96k€118k▲
Trade receivables40€85k€60k▼
Other amounts receivable41€11k€58k▲
Current investments50/53€19k-
Cash at bank and in hand54/58-€143k
Deferred charges and accrued income490/1€10k€20k▲
Equity and liabilities
Total equity and liabilities10/49€1.32M€1.46M▲
Equity10/15€385k€562k▲
Contributions10/11€245k€245k=
Profit (loss) carried forward14€139k€317k▲
Amounts payable17/49€931k€897k▼
Amounts payable after more than one year17€363k€317k▼
Financial debts170/4€363k€317k▼
Amounts payable within one year42/48€568k€580k▲
Current portion of amounts payable after more than one year42€44k€46k▲
Trade debts44€39k€110k▲
Suppliers440/4€39k€110k▲
Taxes, remuneration and social security45€289k€312k▲
Taxes450/3€289k€140k▼
Remuneration and social security454/9-€172k
Other amounts payable47/48€196k€112k▼
Income statement
Code20242025
Remuneration, social security and pensions62€1.42M€1.58M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€132k€155k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€995
Other operating charges640/8€16k€5k▼
Gross operating margin9900€1.86M€1.98M▲
Operating profit (loss)9901€287k€246k▼
Financial income75/76B€0€22k▲
Recurring financial income75€0€22k▲
Financial charges65/66B€203k€33k▼
Recurring financial charges65€31k€33k▲
Non-recurring financial charges66B€172k-
Profit (loss) for the period before taxes9903€85k€235k▲
Income taxes67/77€65k€57k▼
Profit (loss) for the period9904€19k€177k▲
Profit (loss) for the period to be appropriated9905€19k€177k▲
Appropriation of the result
Profit (loss) to be appropriated9906€251k€317k▲
Profit (loss) brought forward from the previous period14P€231k€139k▼
Profit to be distributed694/7€111k-
Return on contributions (dividend)694€111k-
Social balance
Average headcount (FTE)908743.542.7▼
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
Next filing, fiscal year 2026, expected by
2026
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 14 days late
2025
31-12
Financial
Equity above €500kEq €562k ▲46.1%
5 profitable years in a row build equity to €562k.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 21 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 29 days late
2021
31-12
Financial
Back to profitnet €187k
Net result €187k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.27
Current ratio from 0.62 to 1.27.
31-12
Financial
Equity above €500kEq €544k ▲52.1%
Equity rises from €358k to €544k.
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 16 days late
2020
31-12
Financial
Weakest financial yearnet €-34k ▼209%
Net result drops to €-34k, the lowest in the series; recovery starts the following year.
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 23 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 23 days late
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Namur · 1 establishment unit since 2008
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.
Les Marlères(ML) 245020 NamurGround area
5,162 m²
Building footprint
206 m²
Volume, LiDAR
890 m³
2 parcels, Wallonia · tallest building 8.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
La Romance
since 20082.169.547.530
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92046B0024/02W000 | Wallonia | 4,312 m² | 1 · 87 m² | - |
| 92082B0100/00R000 | Wallonia | 850 m² | 1 · 119 m² | 8.9 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 siteFloreffe2.169.547.530
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INCONTRI
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,458. 5,950 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-02-2008
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
41003General construction of other non-residential buildings
68121Development of residential building projects
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:contact@la-romance.be