ROBERT & CO
ActiveSummary
The computed 12-month bankruptcy probability of ROBERT & CO is 3.5% (moderate). The 2025 annual accounts show equity of €94k and a net result of €-13k. Equity is growing by ~15.3% per year across the filed fiscal years. Its solvency ranks better than 88% of 7500 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability5▼-76
Solvency100▲+6
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
3.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 11.3 against 3.88 in 2024; short-term debt: 6.5% and cash: 3% of total assets), and 19.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 7 filingsDeviation from the deadline
2025
24 d late
2024
60 d late
2023
40 d late
2022
61 d late
2021
31 d late
2020
170 d late
2019
66 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€296k
EBIT margin
11.3%
Net result
€-13k
2024 · €20k
Working capital
€77k▼ 8.2%
2024 · €84k
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
Line20212022202320242025
Turnover€296k
Operating result€7k▼ 79.4%€34k▲ 349%€37k▲ 11.8%€30k▼ 19.8%€-14k
Net result€6k▼ 90.3%€-12k€28k€20k▼ 28.5%€-13k
EBIT margin11.3%
Equity€70k▼ 6.7%€59k▼ 16.3%€87k▲ 47.2%€107k▲ 22.9%€94k▼ 12.1%
Total assets€108k▲ 4.0%€97k▼ 9.6%€137k▲ 40.6%€155k▲ 13.5%€116k▼ 25.2%
Debt€37k▲ 33.3%€38k▲ 3.2%€50k▲ 30.5%€48k▼ 3.0%€22k▼ 54.0%
Working capital€59k▼ 11.1%€47k▼ 20.9%€58k▲ 23.9%€84k▲ 44.7%€77k▼ 8.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €14k after €30k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €116k
Fixed assets
€31k ▼ 25.2%
Current assets
€85k ▼ 25.2%
Equity and liabilities €116k
Equity
€94k ▼ 12.1%
Debt
€22k ▼ 54.0%
Debt's share of the balance-sheet total falls from 31.2% to 19.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-4k▼
2024 · €42k
Cash flow
€-2k▼
2024 · €32k
Current ratio
11.30▲
2024 · 3.88
Debt to equity
0.24▼
2024 · 0.45
ROE
-13.8%▼
2024 · 18.7%
ROA
-11.2%▼
2024 · 12.8%
Interest coverage
-1.91▼
2024 · 5.61
Debt ≤ 1 year
€7k▼
2024 · €29k
Debt > 1 year
€15k▼
2024 · €19k
Income taxes
€535▼
2024 · €6k
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 |
|---|---|---|---|---|---|---|
| Turnover70 | - | €296k | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €251k | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9k | €10k | €11k | €12k | €11k | ▼ 11.8% |
| Other operating charges640/8 | €2k | €2k | €1k | €1k | €1k | ▼ 11.0% |
| Gross operating margin9900 | €19k | €45k | €50k | €43k | €-2k | ▼ 106% |
| Operating profit (loss)9901 | €7k | €34k | €37k | €30k | €-14k | ▼ 147% |
| Financial income75/76B | €2k | - | €2k | €3k | €3k | ▲ 10.9% |
| Recurring financial income75 | €2k | - | €2k | €3k | €3k | ▲ 10.9% |
| Financial charges65/66B | €312 | €153 | €180 | €7k | €2k | ▼ 75.5% |
| Recurring financial charges65 | €312 | €153 | €180 | €7k | €2k | ▼ 75.5% |
| Profit (loss) for the period before taxes9903 | €9k | €33k | €39k | €26k | €-12k | ▼ 148% |
| Income taxes67/77 | €2k | €45k | €11k | €6k | €535 | ▼ 90.8% |
| Profit (loss) for the period9904 | €6k | €-12k | €28k | €20k | €-13k | ▼ 165% |
| Profit (loss) for the period to be appropriated9905 | €6k | €-12k | €28k | €20k | €-13k | ▼ 165% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €108k | €97k | €137k | €155k | €116k | ▼ 25.2% |
| Fixed assets21/28 | €30k | €25k | €52k | €42k | €31k | ▼ 25.2% |
| Tangible fixed assets22/27 | €29k | €24k | €51k | €41k | €31k | ▼ 25.7% |
| Land and buildings22 | - | - | €38k | €34k | €30k | ▼ 11.4% |
| Plant, machinery and equipment23 | - | €3k | €2k | €238 | - | - |
| Furniture and vehicles24 | €29k | €20k | €12k | €7k | €588 | ▼ 91.7% |
| Financial fixed assets28 | €800 | €800 | €800 | €800 | €800 | = |
| Current assets29/58 | €77k | €72k | €85k | €113k | €85k | ▼ 25.2% |
| Amounts receivable within one year40/41 | €34k | €35k | €48k | €69k | €71k | ▲ 2.8% |
| Trade receivables40 | €281 | €11k | €5k | €6k | €15k | ▲ 175% |
| Other amounts receivable41 | €34k | €24k | €44k | €63k | €55k | ▼ 12.5% |
| Cash at bank and in hand54/58 | €43k | €36k | €34k | €31k | €4k | ▼ 88.6% |
| Deferred charges and accrued income490/1 | €842 | €896 | €3k | €14k | €10k | ▼ 24.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €108k | €97k | €137k | €155k | €116k | ▼ 25.2% |
| Equity10/15 | €70k | €59k | €87k | €107k | €94k | ▼ 12.1% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Outside capital11 | €6k | - | - | - | - | - |
| Share premium1100/10 | €6k | - | - | - | - | - |
| Profit (loss) carried forward14 | €64k | €53k | €81k | €101k | €88k | ▼ 12.9% |
| Amounts payable17/49 | €37k | €38k | €50k | €48k | €22k | ▼ 54.0% |
| Amounts payable after more than one year17 | €19k | €13k | €23k | €19k | €15k | ▼ 23.3% |
| Financial debts170/4 | €19k | €13k | €23k | €19k | €15k | ▼ 23.3% |
| Amounts payable within one year42/48 | €18k | €26k | €27k | €29k | €7k | ▼ 74.3% |
| Current portion of amounts payable after more than one year42 | €7k | - | €5k | €7k | €3k | ▼ 51.4% |
| Trade debts44 | €1k | €14k | €5k | €7k | €1k | ▼ 83.8% |
| Suppliers440/4 | €1k | €14k | €5k | €7k | €1k | ▼ 83.8% |
| Advances received on contracts in progress46 | - | - | - | €162 | - | - |
| Taxes, remuneration and social security45 | €9k | €12k | €17k | €15k | €3k | ▼ 80.2% |
| Taxes450/3 | €8k | €12k | €17k | €15k | €3k | ▼ 80.2% |
| Remuneration and social security454/9 | €966 | - | - | - | - | - |
| Other amounts payable47/48 | €748 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6k | €-12k | €28k | €20k | €-13k | ▼ 165% |
| + Depreciation and write-downs630 | €9k | €10k | €11k | €12k | €11k | ▼ 11.8% |
| Operating cash flow (approximation) | €16k | €-1k | €39k | €32k | €-2k | ▼ 107% |
| Investment in fixed assets (approximation) | - | €-5k | €-38k | €-2k | €0 | ▲ 100% |
| Change in cash | - | €-7k | €-3k | €-3k | €-27k | ▼ 842% |
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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series.
31-12
Financial
Liquidity triplescurrent ratio 11.30
Current ratio from 3.88 to 11.30; short-term debt falls from €29k to €7k.
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial
Equity above €100kEq €107k ▲22.9%
2 profitable years in a row build equity to €107k.
09-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 40 days late
2023
31-12
Financial
Back to profitnet €28k
Net result €28k after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
17-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 170 days late
2020
31-12
Financial
Highest result since 2019net €66k ▲1,761%
Net result €66k, the highest in the series.
31-12
Financial
Liquidity quadruplescurrent ratio 4.48
Current ratio from 1.05 to 4.48; short-term debt falls from €27k to €19k.
05-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 66 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
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, Watermaal-Bosvoorde · 1 establishment unit since 2018
Ground area
5,777 m²
Building footprint
993 m²
Volume, LiDAR
33,457 m³
2 parcels, Brussels · tallest building 43.7 m, ±13 floors. Linked by address, not a title deed.
10
companies at this address
See who is registered here
1 establishment unit
ROBERT & CO
since 20182.285.261.503
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21017D0208/00H000 | Brussels | 5,516 m² | 1 · 807 m² | 43.7 m · 13 fl. |
| 21363B0318/00N015 | Brussels | 261 m² | 1 · 186 m² | 15.6 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,787 companies in sector 41001 we hold annual accounts for 16,036. 13,162 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
Founded18-12-2018
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
41003General construction of other non-residential buildings
Scores and ratios are computed by Checked and are not a credit decision.