Active BE 0476.789.444Private limited company

MICHAEL DE ROOVER

Parklaan 7 ·2540 Hove, Belgium· 24 yrs active

Sector: Business and other management consultancy (70200)

Conclusion Checked

MICHAEL DE ROOVER has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.30M and a net result of €111k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 90% of 31061 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Based on the State Gazette, CBE and 5 annual accounts.

Key figures

Equity	€1.30M
Net result	€111k
Better than sector	90%
Active	24 yrs

Financial profile 5 of 5 axes measured · computed by Checked

78 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 94

Profitability 43

Solvency 100

Growth 52

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.1% Very low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Long-established

Founded in 2002, 24 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2025 · computed

94 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Indicative credit limit

€120k

estimate, not credit advice

Score history

93 2021

93 2022

65 2023

86 2024

94 2025

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 14.16 (≥ 1.5) +10

Quick ratio Quick ratio 14.16 (≥ 1.0) +5

Leverage Debt/equity 0.09 (< 1.0) +10

Profitability ROE 9% +3

Interest coverage Interest coverage 90.1× (≥ 3×) +8

Profit trend Net profit up YoY +5

Equity growth Equity growing YoY +3

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview24 NBB filings

Annual accounts filed on 31-08-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

stable Equity: stable across 5 fiscal years (±0.7%/year).

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 70, Activities of head offices; management consultancy activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	91.5%	55.9%	better than 90% of 31061 sector peers
Net result	€111k	€27k	better than 87% of 31070 sector peers
Equity	€1.30M	€83k	better than 95% of 31087 sector peers
Gross operating margin	€191k	€53k	better than 89% of 31029 sector peers
Total assets	€1.42M	€186k	better than 92% of 31075 sector peers

EBITDA

€185k

+15.1% 21-25

Net profit

€111k

+34.2% 21-25

Cash flow

€135k

+18.3% 21-25

Total assets

€1.42M

-0.8% 21-25

Equity

€1.30M

+9.3% 21-25

Working capital

€1.03M

+14.1% 21-25

Income taxes

€62k

+22.2% 21-25

Dividends

€0

-100.0% 21-25

Debt

€120k

-50.4% 21-25

Debt ≤ 1y

€78k

-61.3% 21-25

Debt > 1y

€42k

+3.9% 21-25

Current ratio

14.16

+159.3% 21-25

Quick ratio

14.16

+159.3% 21-25

Solvency

91.5%

+10.2% 21-25

Debt / equity

0.09

-54.6% 21-25

ROE

8.5%

+22.8% 21-25

ROA

7.8%

+35.3% 21-25

Interest coverage

90.12

+1.4% 21-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022	2021
Deposit	micro schema	micro schema	micro schema	micro schema	abbreviated schema
Revenue	-	-	-	-	-
EBITDA	€185k	€161k	€139k	€328k	€333k
Net profit	€111k	€83k	€105k	€164k	€208k
Cash flow	€135k	€114k	€138k	€195k	€232k
Staff costs	-	-	-	-	-
Income taxes	€62k	€51k	€48k	€101k	€97k
Dividends	-	€0	€307k	€78k	€200k
Total assets	€1.42M	€1.43M	€1.55M	€1.60M	€1.53M
Equity	€1.30M	€1.19M	€1.11M	€1.31M	€1.22M
Debt	€120k	€243k	€442k	€288k	€305k
of which ≤ 1y	€78k	€202k	€442k	€138k	€130k
of which > 1y	€42k	€41k	€0	€150k	€175k
Working capital	€1.03M	€900k	€755k	€1.10M	€1.02M
Employees (FTE)	-	-	-	-	-

Note: these years are not on the same basis. The filed schemas differ (micro schema, abbreviated schema), so the columns are not directly comparable.

Ratios (computed)

	2025	2024	2023	2022	2021
Current ratio	14.16	5.46	2.71	8.98	8.86
Quick ratio	14.16	5.46	2.71	8.98	8.86
Working capital ratio	72.2%	62.8%	48.7%	68.7%	66.9%
Solvency	91.5%	83.1%	71.5%	82.0%	80.1%
Debt / equity	0.09	0.20	0.40	0.22	0.25
Long-term debt ratio	0.03	0.03	0.00	0.11	0.14
Interest coverage	90.12	88.86	-3.74	7.87	80.87
Gross margin	-	-	-	-	-
Net margin	-	-	-	-	-
ROA	7.8%	5.8%	6.7%	10.3%	13.6%
ROE	8.5%	6.9%	9.4%	12.5%	16.9%
EBITDA margin	-	-	-	-	-
Days sales outstanding	-	-	-	-	-
Days payable outstanding	-	-	-	-	-
Inventory turnover	-	-	-	-	-
Days inventory (DSI)	-	-	-	-	-

Balance-sheet composition 2025

Assets

Fixed assets €318k · 22.4% Current assets €1.11M · 77.7%

Equity & liabilities

Equity €1.30M · 91.5% Debt €120k · 8.5%

Full annual accounts (25 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.42M	€1.43M	€1.55M	€1.60M	€1.53M
Fixed assets	21/28	€318k	€332k	€354k	€362k	€376k
Tangible fixed assets	22/27	€316k	€330k	€352k	€360k	€374k
Financial fixed assets	28	€2k	€2k	€2k	€2k	€2k
Current assets	29/58	€1.11M	€1.10M	€1.20M	€1.24M	€1.15M
Amounts receivable within one year	40/41	€33	€5k	€9k	€24k	€10k
Investments	50/53	€845k	€845k	€795k	€453k	€379k
Cash & bank	54/58	€12k	€11k	€157k	€531k	€664k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.42M	€1.43M	€1.55M	€1.60M	€1.53M
Equity	10/15	€1.30M	€1.19M	€1.11M	€1.31M	€1.22M
Contributions / capital	10/11	€12k	€12k	€12k	€12k	€12k
Reserves	13	€1.29M	€1.05M	€970k	€1.17M	€1.09M
Accumulated profits (losses)	14	€0	€127k	€127k	€127k	€127k
Amounts payable	17/49	€120k	€243k	€442k	€288k	€305k
Amounts payable after one year	17	€42k	€41k	€0	€150k	€175k
Amounts payable within one year	42/48	€78k	€202k	€442k	€138k	€130k
Trade debts payable within one year	44	€2k	€5k	€3k	€3k	€4k
Income statement
Gross operating margin	9900	€191k	€165k	€142k	€330k	€336k
Operating result	9901	€160k	€129k	€106k	€297k	€308k
Financial income	75	€14k	€6k	€10k	€10k	€818
Financial charges	65	€2k	€2k	€-37k	€42k	€4k
Result before taxes	9903	€173k	€133k	€153k	€265k	€305k
Income taxes	67/77	€62k	€51k	€48k	€101k	€97k
Net result for the period	9904	€111k	€83k	€105k	€164k	€208k
Result to be appropriated	9905	€111k	€83k	€105k	€164k	€208k

Legal Structure

NACE primary	Business and other management consultancy(70200)
Legal form	Private limited company(610)
Incorporation	30-01-2002
Status	Active
Postal code	2540

Establishment units 1 location

MICHAEL DE ROOVER

Parklaan 7, 2540 HoveNACE 7414101

since 20022.095.987.975

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11021B0081/00C000	Flanders	1,356 m²	1 · 187 m²	8.4 m · 2 fl.

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.

Updates 10 events

All 13Financial 3Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

31-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 31 days late

2025

31-12

Financial Liquidity triplescurrent ratio 14.16

Current ratio from 5.46 to 14.16; short-term debt falls from €202k to €78k.

29-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 29 days late

2024

31-12

Financial Weakest financial yearnet €83k ▼20.9%

Net result drops to €83k, the lowest in the series; recovery starts the following year.

31-12

Financial Liquidity doublescurrent ratio 5.46

Current ratio from 2.71 to 5.46; short-term debt falls from €442k to €202k.

30-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

23-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

29-07

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema

2021

30-07

NBB filing Annual accounts filed

fiscal year 2020 · abbreviated schema

2020

21-09

NBB filing Annual accounts filed

fiscal year 2019 · abbreviated schema · 52 days late

2019

29-08

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 29 days late

07-01

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2017

29-12

NBB filing Annual accounts filed

fiscal year 2017 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Business and other management consultancy70200Business consulting7022074142

Names & trade names

Legal nameNL	MICHAEL DE ROOVER
AbbreviationNL	MDR

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