RENARDY - ROSSKAMP 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 €106k and a net result of €2k. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 27% of 93 sector peers (fiscal year 2024). The company has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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
61 d late
2023
407 d late
2022
71 d late
2021
100 d late
2020
137 d late
2019
90 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€106k▲ 1.8%
2023 · €104k
2018: €347k
2019: €345k
2020: €93k
2021: €94k
2022: €98k
2023: €104k
2018 → 2024
Net result
€2k▼ 69.7%
2023 · €6k
2018: €1k
2019: €-2k
2020: €-660
2021: €1k
2022: €4k
2023: €6k
2018 → 2024
Total assets
€353k▼ 3.6%
2023 · €366k
2018: €360k
2019: €359k
2020: €330k
2021: €357k
2022: €363k
2023: €366k
2018 → 2024
Solvency
30.0%▲ 1.6pp
2023 · 28.5%
2018: 96.5%
2019: 96.3%
2020: 28.1%
2021: 26.3%
2022: 27.0%
2023: 28.5%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€93k-€94k▲ 1.4%€98k▲ 4.1%€104k▲ 6.5%€106k▲ 1.8%
Operating result€2k-€3k▲ 54.0%€4k▲ 60.7%€8k▲ 87.9%€4k▼ 50.8%
Net result€-660-€1k€4k▲ 207%€6k▲ 63.5%€2k▼ 69.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 51% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €353k
Fixed assets
€13k▼ 42.5%
Current assets
€340k▼ 1.0%
Equity and liabilities €353k
Equity
€106k▲ 1.8%
Debt
€247k▼ 5.7%
The debt ratio falls from 71.5% to 70.0%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
30.0%▲
2023 · 28.5%
ROE
1.8%▼
2023 · 6.1%
ROA
0.5%▼
2023 · 1.7%
Debt
€247k▼
2023 · €262k
Debt ≤ 1 year
€247k▼
2023 · €262k
Income taxes
€3k▲
2023 · €3k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€366k€353k▼
Fixed assets21/28€23k€13k▼
Tangible fixed assets22/27€23k€13k▼
Furniture and vehicles24€20k€11k▼
Other tangible fixed assets26€3k€2k▼
Current assets29/58€343k€340k▼
Amounts receivable within one year40/41€13k€25k▲
Trade receivables40€7k€22k▲
Other amounts receivable41€6k€3k▼
Current investments50/53€326k€314k▼
Cash at bank and in hand54/58€4k€1k▼
Equity and liabilities
Total equity and liabilities10/49€366k€353k▼
Equity10/15€104k€106k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€31k€31k=
Non-distributable reserves130/1€31k€31k=
Legal reserve130€31k€31k=
Profit (loss) carried forward14€11k€13k▲
Amounts payable17/49€262k€247k▼
Amounts payable within one year42/48€262k€247k▼
Trade debts44€24k€8k▼
Suppliers440/4€24k€8k▼
Taxes, remuneration and social security45€1k€3k▲
Taxes450/3€1k€3k▲
Other amounts payable47/48€237k€236k▼
Accrued charges and deferred income492/3-€12
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€10k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€391-
Other operating charges640/8€1k€1k▲
Gross operating margin9900€18k€15k▼
Operating profit (loss)9901€8k€4k▼
Financial income75/76B€1k€1k▼
Recurring financial income75€1k€1k▼
Financial charges65/66B€24€28▲
Recurring financial charges65€24€28▲
Profit (loss) for the period before taxes9903€10k€5k▼
Income taxes67/77€3k€3k▲
Profit (loss) for the period9904€6k€2k▼
Profit (loss) for the period to be appropriated9905€6k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€13k▲
Profit (loss) brought forward from the previous period14P€4k€11k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
11-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 407 days late
2023
31-12
Financial
Highest result since 2018net €6k ▲63.5%
Operating result €8k, net result €6k, both a record.
31-12
Financial
Equity above €100kEq €104k ▲6.5%
3 profitable years in a row build equity to €104k.
10-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 71 days late
2022
08-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 100 days late
2021
31-12
Financial
Back to profitnet €1k
Net result €1k after 2 loss-making years.
15-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 137 days late
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
31-12
Financial
Weakest financial yearnet €-2k ▼287%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 92 days late
22-02
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 206 days late
2016
29-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Eupen · 1 establishment unit since 1992
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 d'Aix la Chapelle 3414701 EupenGround area
1,198 m²
Building footprint
160 m²
Volume, LiDAR
804 m³
Parcel 63041C0098/00A000, Wallonia · tallest building 6.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RENARDY-ROSSKAMP
since 19922.056.574.697
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63041C0098/00A000 | Wallonia | 1,198 m² | 1 · 160 m² | 6.3 m · 2 fl. |
Linked by address, not proof of ownership
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.
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Of 95 companies in sector 65112 we hold annual accounts for 53. 42 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded21-02-1992
Fiscal year end31-12
Activities, NACEBEL
65112Insurance, reinsurance and pension funding, except compulsory social security
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.