Summary
PATRICK ROBERT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €53,330 and a net result of €27,523. Equity is shrinking by ~22% per year across the filed fiscal years. Its solvency ranks better than 39% of 3319 sector peers (fiscal year 2024). The company has been active since 2002 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
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €53,330
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-08-2025, 27 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
not confirmed
2024
27 d late
2023
68 d late
2022
53 d late
2021
74 d late
2020
30 d late
2019
54 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 51 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€53,330▲ 61.3%
2023 · €33,057
Net result
€27,523▲ 103%
2023 · €13,560
Total assets
€138,903▲ 23.5%
2023 · €112,493
Solvency
38.4%▲ 9.0pp
2023 · 29.4%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€2,980▼ 77.9%€6,163▲ 107%€122▼ 98.0%€25,054▲ 20,488%€47,710▲ 90.4%
Net result€2,584▼ 64.7%€672▼ 74.0%-€7,132€13,560€27,523▲ 103%
Equity€67,957▼ 29.8%€45,629▼ 32.9%€29,497▼ 35.4%€33,057▲ 12.1%€53,330▲ 61.3%
Total assets€144,739▼ 28.5%€187,271▲ 29.4%€127,463▼ 31.9%€112,493▼ 11.7%€138,903▲ 23.5%
Debt€76,782▼ 27.2%€141,642▲ 84.5%€97,966▼ 30.8%€79,436▼ 18.9%€85,573▲ 7.7%
Working capital€11,939▼ 62.6%-€22,961-€25,941▼ 13.0%-€14,838▲ 42.8%€23,424
Solvency47.0%▼ 0.9pp24.4%▼ 22.6pp23.1%▼ 1.2pp29.4%▲ 6.2pp38.4%▲ 9.0pp
Staff (FTE)1=1.72▲ 17.6%1.4▼ 30.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 90% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €138,903
Fixed assets
€29,906 ▼ 50.3%
Current assets
€108,997 ▲ 108%
Equity and liabilities €138,903
Equity
€53,330 ▲ 61.3%
Debt
€85,573 ▲ 7.7%
Debt's share of the balance-sheet total falls from 70.6% to 61.6%. Equity and debt are higher.
Key figures and ratios
ROE
51.6%▲
2023 · 41.0%
ROA
19.8%▲
2023 · 12.1%
Debt ≤ 1 year
€85,573▲
2023 · €67,140
Income taxes
€18,581▲
2023 · €9,289
Staff costs
€60,009▼
2023 · €74,972
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €38,750 | €64,087 | €74,972 | €60,009 | ▼ 20.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €39,079 | €29,283 | €37,453 | €33,098 | €29,677 | ▼ 10.3% |
| Other operating charges640/8 | - | €11,470 | €4,102 | €4,778 | €4,787 | ▲ 0.2% |
| Gross operating margin9900 | €88,578 | €85,666 | €105,763 | €137,903 | €142,182 | ▲ 3.1% |
| Operating profit (loss)9901 | €2,980 | €6,163 | €122 | €25,054 | €47,710 | ▲ 90.4% |
| Financial income75/76B | - | €3,021 | €1,875 | - | - | - |
| Recurring financial income75 | €8,751 | €3,021 | €1,875 | - | - | - |
| Financial charges65/66B | - | €1,452 | €1,929 | €2,204 | €1,605 | ▼ 27.2% |
| Recurring financial charges65 | €1,319 | €1,452 | €1,929 | €2,204 | €1,605 | ▼ 27.2% |
| Profit (loss) for the period before taxes9903 | €10,412 | €7,732 | €67 | €22,850 | €46,104 | ▲ 102% |
| Income taxes67/77 | €7,828 | €7,060 | €7,199 | €9,289 | €18,581 | ▲ 100% |
| Profit (loss) for the period9904 | €2,584 | €672 | -€7,132 | €13,560 | €27,523 | ▲ 103% |
| Profit (loss) for the period to be appropriated9905 | €2,584 | €672 | -€7,132 | €13,560 | €27,523 | ▲ 103% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €144,739 | €187,271 | €127,463 | €112,493 | €138,903 | ▲ 23.5% |
| Fixed assets21/28 | €56,627 | €122,400 | €88,614 | €60,191 | €29,906 | ▼ 50.3% |
| Tangible fixed assets22/27 | €56,552 | €122,325 | €88,539 | €60,116 | €29,906 | ▼ 50.3% |
| Furniture and vehicles24 | - | €86,105 | €62,206 | €41,364 | €15,747 | ▼ 61.9% |
| Other tangible fixed assets26 | - | €36,220 | €26,334 | €18,753 | €14,159 | ▼ 24.5% |
| Financial fixed assets28 | €75 | €75 | €75 | €75 | - | - |
| Current assets29/58 | €88,112 | €64,871 | €38,848 | €52,302 | €108,997 | ▲ 108% |
| Amounts receivable within one year40/41 | €79,542 | €57,538 | €36,062 | €34,845 | €28,395 | ▼ 18.5% |
| Trade receivables40 | - | €3,667 | - | - | - | - |
| Other amounts receivable41 | - | €53,871 | €36,062 | €34,845 | €28,395 | ▼ 18.5% |
| Cash at bank and in hand54/58 | €5,034 | €3,050 | - | €15,340 | €76,904 | ▲ 401% |
| Deferred charges and accrued income490/1 | - | €4,282 | €2,786 | €2,117 | €3,698 | ▲ 74.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €144,739 | €187,271 | €127,463 | €112,493 | €138,903 | ▲ 23.5% |
| Equity10/15 | €67,957 | €45,629 | €29,497 | €33,057 | €53,330 | ▲ 61.3% |
| Contributions10/11 | - | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €53,610 | €31,280 | €22,280 | €20,630 | €40,880 | ▲ 98.2% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | - | - | - |
| Distributable reserves133 | - | €29,420 | €20,420 | €20,630 | €40,880 | ▲ 98.2% |
| Profit (loss) carried forward14 | €1,947 | €1,949 | -€5,183 | €27 | €50 | ▲ 84.8% |
| Amounts payable17/49 | €76,782 | €141,642 | €97,966 | €79,436 | €85,573 | ▲ 7.7% |
| Amounts payable after more than one year17 | €609 | €53,810 | €33,177 | €12,296 | - | - |
| Financial debts170/4 | - | €53,810 | €33,177 | €12,296 | - | - |
| Amounts payable within one year42/48 | €76,173 | €87,832 | €64,789 | €67,140 | €85,573 | ▲ 27.5% |
| Current portion of amounts payable after more than one year42 | - | €21,299 | €20,633 | €20,881 | €12,296 | ▼ 41.1% |
| Financial debts43 | - | - | €2,801 | - | - | - |
| Credit institutions430/8 | - | - | €2,801 | - | - | - |
| Trade debts44 | €17,793 | €8,317 | €15,830 | €5,549 | €11,360 | ▲ 105% |
| Suppliers440/4 | - | €8,317 | €15,830 | €5,549 | €11,360 | ▲ 105% |
| Taxes, remuneration and social security45 | - | €35,215 | €16,526 | €16,948 | €27,572 | ▲ 62.7% |
| Taxes450/3 | - | €26,997 | €8,281 | €3,690 | €15,710 | ▲ 326% |
| Remuneration and social security454/9 | - | €8,218 | €8,244 | €13,258 | €11,862 | ▼ 10.5% |
| Other amounts payable47/48 | - | €23,000 | €9,000 | €23,762 | €34,345 | ▲ 44.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,584 | €672 | -€7,132 | €13,560 | €27,523 | ▲ 103% |
| + Depreciation and write-downs630 | €39,079 | €29,283 | €37,453 | €33,098 | €29,677 | ▼ 10.3% |
| Operating cash flow (approximation) | €41,662 | €29,955 | €30,320 | €46,659 | €57,200 | ▲ 22.6% |
| Investment in fixed assets (approximation) | - | -€95,055 | -€3,667 | -€4,675 | €608 | ▲ 113% |
| Change in cash | - | -€1,983 | - | - | €61,564 | - |
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
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Highest result since 2018net €27,523 ▲103%
Operating result €47,710, net result €27,523, both a record.
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
31-12
Financial
Back to profitnet €13,560
Net result €13,560 after one loss-making year.
22-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 53 days late
2022
31-12
Financial
Weakest financial yearnet -€7,132
Net result drops to -€7,132, the lowest in the series; recovery starts the following year.
13-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 74 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 54 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
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
26-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 57 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Charleroi · 1 establishment unit since 2003
Ground area
532 m²
Building footprint
121 m²
Volume, LiDAR
1,259 m³
Parcel 52352B0092/00S004, Wallonia · tallest building 12.8 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Patrick Robert
since 20032.133.371.379
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52352B0092/00S004 | Wallonia | 532 m² | 1 · 121 m² | 12.8 m · 3 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.
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,219. 2,340 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
Founded31-05-2002
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Scores and ratios are computed by Checked and are not a credit decision.