Summary
ROBAST is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €23,527 and a net result of €106,444. Equity is shrinking by ~8.7% per year across the filed fiscal years. Its solvency ranks better than 13% of 2463 sector peers (fiscal year 2025). The company has been active since 2014 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.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 2463 sector peers (2025).
NBB · sector comparisonPosition among 2463 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-05-2026, 66 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
66 d early
2024
55 d early
2023
26 d early
2022
45 d early
2021
67 d early
2020
36 d early
2019
5 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 41 days before 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 (2)
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. Usually files around 6 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€23,527▼ 75.8%
2024 · €97,083
Net result
€106,444▲ 47.3%
2024 · €72,258
Total assets
€419,668▼ 16.2%
2024 · €500,978
Solvency
5.6%▼ 13.8pp
2024 · 19.4%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€44,832€35,861▼ 20.0%€121,588▲ 239%€100,137▼ 17.6%€155,618▲ 55.4%
Net result€32,657within the sector's middle half€18,459within the sector's middle half▼ 43.5%€87,454above the sector's middle half▲ 374%€72,258within the sector's middle half▼ 17.4%€106,444above the sector's middle half▲ 47.3%
Equity€63,911within the sector's middle half▼ 10.3%€72,370within the sector's middle half▲ 13.2%€99,824within the sector's middle half▲ 37.9%€97,083within the sector's middle half▼ 2.7%€23,527below the sector's middle half▼ 75.8%
Total assets€259,659within the sector's middle half▲ 19.8%€194,877within the sector's middle half▼ 24.9%€282,845within the sector's middle half▲ 45.1%€500,978within the sector's middle half▲ 77.1%€419,668within the sector's middle half▼ 16.2%
Debt€195,748▲ 34.6%€122,507▼ 37.4%€183,020▲ 49.4%€403,895▲ 121%€396,141▼ 1.9%
Working capital€25,137within the sector's middle half▲ 93.1%€61,846within the sector's middle half▲ 146%€88,945within the sector's middle half▲ 43.8%€5,522within the sector's middle half▼ 93.8%-€58,245below the sector's middle half
Solvency24.6%within the sector's middle half▼ 8.3pp37.1%within the sector's middle half▲ 12.5pp35.3%within the sector's middle half▼ 1.8pp19.4%below the sector's middle half▼ 15.9pp5.6%below the sector's middle half▼ 13.8pp
Current ratio1.24within the sector's middle half▲ 0.121.77within the sector's middle half▲ 0.531.59within the sector's middle half▼ 0.181.04within the sector's middle half▼ 0.550.69below the sector's middle half▼ 0.35
Return on assets (ROA)12.6%within the sector's middle half▲ 21.2pp9.5%within the sector's middle half▼ 3.1pp30.9%above the sector's middle half▲ 21.4pp14.4%within the sector's middle half▼ 16.5pp25.4%above the sector's middle half▲ 10.9pp
Staff (FTE)2.7▲ 35.0%3▲ 11.1%2.9▼ 3.3%1.6▼ 44.8%2.3▲ 43.8%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 55% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €419,668
Fixed assets
€292,725 ▼ 16.4%
Current assets
€126,943 ▼ 15.9%
Equity and liabilities €419,668
Equity
€23,527 ▼ 75.8%
Debt
€396,141 ▼ 1.9%
Debt's share of the balance-sheet total rises from 80.6% to 94.4%. Equity and debt are lower.
Key figures and ratios
ROE
452.4%▲
2024 · 74.4%
Debt ≤ 1 year
€185,189▲
2024 · €145,380
Debt > 1 year
€209,702▼
2024 · €257,265
Income taxes
€40,113▲
2024 · €24,957
Staff costs
€115,507▲
2024 · €95,318
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €5,000 | - | - |
| Remuneration, social security and pensions62 | €131,729 | €149,040 | €127,911 | €95,318 | €115,507 | ▲ 21.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €77,834 | €21,822 | €11,415 | €28,690 | €57,351 | ▲ 99.9% |
| Other operating charges640/8 | €2,701 | €3,415 | €1,464 | €4,562 | €4,989 | ▲ 9.3% |
| Gross operating margin9900 | €257,096 | €210,139 | €262,378 | €228,707 | €333,464 | ▲ 45.8% |
| Operating profit (loss)9901 | €44,832 | €35,861 | €121,588 | €100,137 | €155,618 | ▲ 55.4% |
| Financial income75/76B | €5,918 | €5 | €7 | €226 | €378 | ▲ 67.5% |
| Recurring financial income75 | €168 | €5 | €7 | €226 | €378 | ▲ 67.5% |
| Non-recurring financial income76B | €5,750 | - | - | - | - | - |
| Financial charges65/66B | €2,758 | €6,907 | €866 | €3,147 | €9,438 | ▲ 200% |
| Recurring financial charges65 | €2,758 | €1,432 | €866 | €3,147 | €9,438 | ▲ 200% |
| Non-recurring financial charges66B | - | €5,475 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €47,991 | €28,960 | €120,729 | €97,215 | €146,558 | ▲ 50.8% |
| Income taxes67/77 | €15,334 | €10,501 | €33,275 | €24,957 | €40,113 | ▲ 60.7% |
| Profit (loss) for the period9904 | €32,657 | €18,459 | €87,454 | €72,258 | €106,444 | ▲ 47.3% |
| Profit (loss) for the period to be appropriated9905 | €32,657 | €18,459 | €87,454 | €72,258 | €106,444 | ▲ 47.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €259,659 | €194,877 | €282,845 | €500,978 | €419,668 | ▼ 16.2% |
| Fixed assets21/28 | €131,712 | €53,015 | €43,398 | €350,075 | €292,725 | ▼ 16.4% |
| Intangible fixed assets21 | €70,392 | €52,585 | €41,620 | €266,392 | €218,677 | ▼ 17.9% |
| Tangible fixed assets22/27 | €61,320 | €430 | €1,777 | €83,683 | €74,047 | ▼ 11.5% |
| Furniture and vehicles24 | €61,320 | €430 | €1,777 | €1,178 | €579 | ▼ 50.8% |
| Other tangible fixed assets26 | - | - | - | €82,505 | €73,468 | ▼ 11.0% |
| Current assets29/58 | €127,947 | €141,862 | €239,447 | €150,903 | €126,943 | ▼ 15.9% |
| Amounts receivable after more than one year29 | - | - | €139,207 | €69,604 | - | - |
| Other amounts receivable291 | - | - | €139,207 | €69,604 | - | - |
| Amounts receivable within one year40/41 | €86,435 | €70,162 | €73,003 | €11,900 | €11,465 | ▼ 3.7% |
| Other amounts receivable41 | €86,435 | €70,162 | €73,003 | €11,900 | €11,465 | ▼ 3.7% |
| Current investments50/53 | €34,339 | €59,339 | - | - | - | - |
| Cash at bank and in hand54/58 | €4,820 | €11,857 | €27,237 | €62,578 | €107,117 | ▲ 71.2% |
| Deferred charges and accrued income490/1 | €2,354 | €504 | - | €6,820 | €8,361 | ▲ 22.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €259,659 | €194,877 | €282,845 | €500,978 | €419,668 | ▼ 16.2% |
| Equity10/15 | €63,911 | €72,370 | €99,824 | €97,083 | €23,527 | ▼ 75.8% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €43,451 | €51,910 | €79,364 | €76,623 | €3,067 | ▼ 96.0% |
| Amounts payable17/49 | €195,748 | €122,507 | €183,020 | €403,895 | €396,141 | ▼ 1.9% |
| Amounts payable after more than one year17 | €92,939 | €42,492 | €32,519 | €257,265 | €209,702 | ▼ 18.5% |
| Financial debts170/4 | €92,939 | €42,492 | €32,519 | €257,265 | €209,702 | ▼ 18.5% |
| Amounts payable within one year42/48 | €102,810 | €80,016 | €150,501 | €145,380 | €185,189 | ▲ 27.4% |
| Current portion of amounts payable after more than one year42 | €34,258 | €16,223 | €9,973 | €46,260 | €47,563 | ▲ 2.8% |
| Trade debts44 | €13,096 | €11,057 | €16,998 | €13,950 | €13,421 | ▼ 3.8% |
| Suppliers440/4 | €13,096 | €11,057 | €16,998 | €13,950 | €13,421 | ▼ 3.8% |
| Taxes, remuneration and social security45 | €34,345 | €42,736 | €63,530 | €10,106 | €19,141 | ▲ 89.4% |
| Taxes450/3 | - | €19,800 | €40,744 | - | - | - |
| Remuneration and social security454/9 | €34,345 | €22,936 | €22,786 | €10,106 | €19,141 | ▲ 89.4% |
| Other amounts payable47/48 | €21,110 | €10,000 | €60,000 | €75,064 | €105,064 | ▲ 40.0% |
| Accrued charges and deferred income492/3 | - | - | - | €1,250 | €1,250 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €32,657 | €18,459 | €87,454 | €72,258 | €106,444 | ▲ 47.3% |
| + Depreciation and write-downs630 | €77,834 | €21,822 | €11,415 | €28,690 | €57,351 | ▲ 99.9% |
| Operating cash flow (approximation) | €110,491 | €40,281 | €98,869 | €100,949 | €163,795 | ▲ 62.3% |
| Investment in fixed assets (approximation) | - | €56,875 | -€1,797 | -€335,368 | €0 | ▲ 100% |
| Change in cash | - | €7,037 | €15,380 | €35,342 | €44,539 | ▲ 26.0% |
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
Next filing, fiscal year 2026, expected by
2026
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €106,444 ▲47.3%
Operating result €155,618, net result €106,444, both a record.
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €32,657
Net result €32,657 after one loss-making year.
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet -€18,739
Net result drops to -€18,739, the lowest in the series; recovery starts the following year.
05-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 5 days late
2019
31-12
Financial
Back to profitnet €13,104
Net result €13,104 after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 10 acts read
About the unread acts
We know of 10 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
10 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, Tongeren-Borgloon · 1 establishment unit since 2014
Ground area
1,559 m²
Building footprint
365 m²
Volume, LiDAR
3,249 m³
Parcel 73347A0103/00F002, Flanders · tallest building 12.8 m, ±3 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Hasseltsesteenweg 171, 3700 Tongeren-Borgloon
since 20142.237.571.551
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73347A0103/00F002 | Flanders | 1,559 m² | 1 · 365 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 210 EUR awarded · 210 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 60 EUR | 120 EUR |
| 2022 | 1 | 150 EUR | 90 EUR |
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Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 611 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
Founded03-12-2014
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0505902906
Registered
04-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.