Patrimoniale des Roches
ActiveSummary
Patrimoniale des Roches has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.68M and a net result of €24k. Equity is growing by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 73% of 3187 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-17
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €150k at 30 days acceptable
Liquidity ample (current ratio 2.52 against 5.12 in 2024; short-term debt: 21.9% and cash: 43.7% of total assets), and 22% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
78%
Return on assets
1.1%
Age of the figures
15 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 · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
1 d early
2023
19 d early
2022
4 d early
2021
21 d early
2020
5 d early
2019
3 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€24k▼ 92.4%
2024 · €315k
2019: €55k
2020: €118k
2021: €123k
2022: €64k
2023: €96k
2024: €315k
2019 → 2025
Working capital
€718k▼ 21.0%
2024 · €909k
2019: €27k
2020: €81k
2021: €252k
2022: €-9k
2023: €-119k
2024: €909k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.42M-€1.49M▲ 4.5%€1.58M▲ 6.4%€1.90M▲ 19.9%€1.68M▼ 11.4%
Operating result€193k-€92k▼ 52.5%€140k▲ 53.0%€321k▲ 128%€24k▼ 92.7%
Net result€123k-€64k▼ 47.6%€96k▲ 48.8%€315k▲ 229%€24k▼ 92.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 93% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.16M
Fixed assets
€966k ▼ 2.7%
Current assets
€1.19M ▲ 5.4%
Equity and liabilities €2.16M
Equity
€1.68M ▼ 11.4%
Debt
€474k ▲ 113%
Debt's share of the balance-sheet total rises from 10.5% to 22.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€64k▼
2024 · €350k
Cash flow
€65k▼
2024 · €344k
Current ratio
2.52▼
2024 · 5.12
Debt to equity
0.28▲
2024 · 0.12
ROE
1.4%▼
2024 · 16.6%
ROA
1.1%▼
2024 · 14.9%
Interest coverage
14.01▼
2024 · 42.69
Debt ≤ 1 year
€472k▲
2024 · €221k
Debt > 1 year
€1k=
2024 · €1k
Income taxes
€706▲
2024 · €277
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.12M€2.16M▲
Fixed assets21/28€993k€966k▼
Tangible fixed assets22/27€993k€966k▼
Land and buildings22€107k€164k▲
Furniture and vehicles24€40k€50k▲
Other tangible fixed assets26€845k€752k▼
Current assets29/58€1.13M€1.19M▲
Amounts receivable within one year40/41€334k€248k▼
Trade receivables40€30k€25k▼
Other amounts receivable41€304k€223k▼
Cash at bank and in hand54/58€796k€943k▲
Equity and liabilities
Total equity and liabilities10/49€2.12M€2.16M▲
Equity10/15€1.90M€1.68M▼
Contributions10/11€552k€552k=
Reserves13€442k€200k▼
Non-distributable reserves130/1€442k€40k▼
Reserves not available under the articles1311€40k€40k=
Other1319€402k-
Distributable reserves133-€160k
Profit (loss) carried forward14€907k€931k▲
Amounts payable17/49€222k€474k▲
Amounts payable after more than one year17€1k€1k=
Financial debts170/4€1k€1k=
Amounts payable within one year42/48€221k€472k▲
Current portion of amounts payable after more than one year42€10k-
Financial debts43€200k€200k=
Other loans439€200k€200k=
Trade debts44€4k€8k▲
Suppliers440/4€4k€8k▲
Taxes, remuneration and social security45€6k€31k▲
Taxes450/3€6k€31k▲
Other amounts payable47/48-€233k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€41k▲
Other operating charges640/8€32k€19k▼
Gross operating margin9900€382k€84k▼
Operating profit (loss)9901€321k€24k▼
Financial income75/76B€3k€6k▲
Recurring financial income75€3k€6k▲
Financial charges65/66B€8k€5k▼
Recurring financial charges65€8k€5k▼
Profit (loss) for the period before taxes9903€316k€25k▼
Income taxes67/77€277€706▲
Profit (loss) for the period9904€315k€24k▼
Profit (loss) for the period to be appropriated9905€315k€24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€907k€931k▲
Profit (loss) brought forward from the previous period14P€591k€907k▲
Transfer from equity791/2-€241k
Profit to be distributed694/7-€241k
Return on contributions (dividend)694-€241k
The notes to these accounts (9 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-06
Financial
Weakest financial yearnet €24k ▼92.4%
Net result drops to €24k, the lowest in the series.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2019net €315k ▲229%
Operating result €321k, net result €315k, both a record.
30-06
Financial
Liquidity times 10current ratio 5.12
Current ratio from 0.53 to 5.12; short-term debt falls from €254k to €221k.
12-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
10-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Liquidity triplescurrent ratio 5.36
Current ratio from 1.78 to 5.36; short-term debt falls from €104k to €58k.
26-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
03-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
15-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 15 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Jodoigne · 1 establishment unit since 2014
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 Derrière-la-Ville(Dong.) 11370 JodoigneGround area
156 m²
Building footprint
238 m²
Volume, LiDAR
2,086 m³
Parcel 25027B0491/00V002, Wallonia · tallest building 12.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Benoit COLMANT
since 20142.233.168.345
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25027B0491/00V002 | Wallonia | 156 m² | 1 · 238 m² | 12.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via establishment units: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
6488G84AI2E6815WZR76
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 22,127 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-06-2014
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
66199Other activities auxiliary to financial services, excluding insurance and pension funding
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.