ROEL & PARTNERS 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 €128k and a net result of €133k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 25% of 1463 sector peers (fiscal year 2025). The company has been active since 1999 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
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 1463 sector peers (2025).
NBB · sector comparisonPosition among 1463 sector peers
Solvency
better than 25%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €128k
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
13 d early
2023
13 d early
2022
25 d early
2021
17 d early
2020
11 d early
2019
22 d early
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€128k▲ 51.3%
2024 · €84k
2018: €30k
2019: €31k
2020: €30k
2021: €23k
2022: €23k
2023: €23k
2024: €84k
2018 → 2025
Net result
€133k▼ 11.8%
2024 · €151k
2018: €70k
2019: €80k
2020: €90k
2021: €83k
2022: €85k
2023: €100k
2024: €151k
2018 → 2025
Total assets
€811k▼ 12.8%
2024 · €931k
2018: €199k
2019: €217k
2020: €213k
2021: €195k
2022: €82k
2023: €111k
2024: €931k
2018 → 2025
Solvency
15.7%▲ 6.7pp
2024 · 9.1%
2018: 15.3%
2019: 14.1%
2020: 14.3%
2021: 11.8%
2022: 28.2%
2023: 21.0%
2024: 9.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€23k▲ 0.4%€23k=€84k▲ 264%€128k▲ 51.3%
Operating result€120k-€119k▼ 0.2%€139k▲ 16.5%€234k▲ 68.4%€212k▼ 9.5%
Net result€83k-€85k▲ 2.2%€100k▲ 17.8%€151k▲ 51.6%€133k▼ 11.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €811k
Fixed assets
€654k▼ 12.4%
Current assets
€157k▼ 14.6%
Equity and liabilities €811k
Equity
€128k▲ 51.3%
Debt
€684k▼ 19.2%
The debt ratio falls from 90.9% to 84.3%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
15.7%▲
2024 · 9.1%
ROE
104.5%▼
2024 · 179.3%
ROA
16.4%▲
2024 · 16.2%
Debt
€684k▼
2024 · €847k
Debt ≤ 1 year
€118k▼
2024 · €206k
Debt > 1 year
€564k▼
2024 · €639k
Income taxes
€50k▼
2024 · €55k
Staff costs
€115k▲
2024 · €94k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€931k€811k▼
Fixed assets21/28€747k€654k▼
Intangible fixed assets21€693k€623k▼
Tangible fixed assets22/27€54k€31k▼
Plant, machinery and equipment23€1k€2k▲
Furniture and vehicles24€52k€29k▼
Other tangible fixed assets26€91-
Current assets29/58€184k€157k▼
Amounts receivable within one year40/41€61k€62k▲
Trade receivables40€30k€23k▼
Other amounts receivable41€31k€39k▲
Cash at bank and in hand54/58€120k€92k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€931k€811k▼
Equity10/15€84k€128k▲
Contributions10/11€20k€20k=
Reserves13€64k€108k▲
Distributable reserves133€64k€108k▲
Amounts payable17/49€847k€684k▼
Amounts payable after more than one year17€639k€564k▼
Financial debts170/4€639k€564k▼
Amounts payable within one year42/48€206k€118k▼
Current portion of amounts payable after more than one year42€72k€75k▲
Financial debts43€48k-
Credit institutions430/8€48k-
Trade debts44€15k€15k▼
Suppliers440/4€15k€15k▼
Taxes, remuneration and social security45€20k€27k▲
Taxes450/3€8k€10k▲
Remuneration and social security454/9€12k€17k▲
Other amounts payable47/48€51k€1k▼
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Non-recurring operating income76A€7k-
Remuneration, social security and pensions62€94k€115k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€94k▲
Other operating charges640/8€225€116▼
Gross operating margin9900€355k€421k▲
Operating profit (loss)9901€234k€212k▼
Financial income75/76B-€48
Recurring financial income75-€48
Financial charges65/66B€28k€28k▲
Recurring financial charges65€28k€28k▲
Profit (loss) for the period before taxes9903€206k€184k▼
Income taxes67/77€55k€50k▼
Profit (loss) for the period9904€151k€133k▼
Profit (loss) for the period to be appropriated9905€151k€133k▼
Appropriation of the result
Profit (loss) to be appropriated9906€151k€133k▼
Transfer to equity691/2€61k€43k▼
To other reserves6921€61k€43k▼
Profit to be distributed694/7€90k€90k=
Return on contributions (dividend)694€90k€90k=
Social balance
Average headcount (FTE)9087-2.0
The notes to these accounts (14 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Equity above €100kEq €128k ▲51.3%
8 profitable years in a row build equity to €128k.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €151k ▲51.6%
Operating result €234k, net result €151k, both a record.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-07
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.
Directors · office · real estate
Directors
2 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, Londerzeel · 1 establishment unit since 2000
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.
Klein Holland 71840 LonderzeelGround area
2,272 m²
Building footprint
311 m²
Volume, LiDAR
3,248 m³
Parcel 23045C0672/00A002, Flanders · tallest building 13.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
ROEL & PARTNERS
since 20002.099.502.543
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23045C0672/00A002 | Flanders | 2,272 m² | 1 · 311 m² | 13.5 m · 4 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 261 EUR awarded · 261 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 63 EUR | 63 EUR |
| 2022 | 1 | 198 EUR | 198 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,687 companies in sector 66220 we hold annual accounts for 3,231. 2,785 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-12-1999
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.