ROELS PATRICK
ActiveROELS PATRICK has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €319k and a net result of €75k. Equity is growing by ~30.9% per year across the filed fiscal years. Its solvency ranks better than 85% of 2542 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
95
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability94▲+8
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.87 against 1.16 in 2023; short-term debt: 10.1% and cash: 23.9% of total assets), and 15.2% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Sector 85
lower
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
84.8%
Return on assets
19.8%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-06-2025, 42 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
42 d early
2023
48 d early
2022
46 d early
2021
52 d early
2020
47 d early
2019
50 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€319k▲ 14.6%
2023 · €278k
2018: €42k
2019: €67k
2020: €106k
2021: €154k
2022: €229k
2023: €278k
2018 → 2024
Total assets
€376k▲ 7.5%
2023 · €350k
2018: €351k
2019: €313k
2020: €322k
2021: €326k
2022: €370k
2023: €350k
2018 → 2024
Net result
€75k▲ 51.3%
2023 · €49k
2018: €15k
2019: €24k
2020: €40k
2021: €47k
2022: €76k
2023: €49k
2018 → 2024
Working capital
€71k▲ 767%
2023 · €8k
2018: €-154k
2019: €-127k
2020: €-99k
2021: €-65k
2022: €-45k
2023: €8k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€106k-€154k▲ 44.6%€229k▲ 49.1%€278k▲ 21.5%€319k▲ 14.6%
Operating result€68k-€79k▲ 17.2%€112k▲ 40.7%€73k▼ 34.3%€107k▲ 45.6%
Net result€40k-€47k▲ 19.7%€76k▲ 59.2%€49k▼ 34.7%€75k▲ 51.3%
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 2024; 2024 is 46% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €376k
Fixed assets
€267k▼ 7.7%
Current assets
€109k▲ 80.0%
Equity and liabilities €376k
Equity
€319k▲ 14.6%
Debt
€57k▼ 20.1%
The debt ratio falls from 20.4% to 15.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€141k▲
2023 · €108k
Cash flow
€109k▲
2023 · €84k
Solvency
84.8%▲
2023 · 79.6%
Current ratio
2.87▲
2023 · 1.16
Quick ratio
2.87▲
2023 · 1.16
Debt / equity
0.18▼
2023 · 0.26
ROE
23.4%▲
2023 · 17.7%
ROA
19.8%▲
2023 · 14.1%
Interest coverage
80.48▲
2023 · 30.23
Debt
€57k▼
2023 · €71k
Debt ≤ 1 year
€38k▼
2023 · €52k
Debt > 1 year
€19k=
2023 · €19k
Income taxes
€30k▲
2023 · €20k
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€350k€376k▲
Fixed assets21/28€289k€267k▼
Tangible fixed assets22/27€288k€266k▼
Land and buildings22€214k€202k▼
Plant, machinery and equipment23€10k€8k▼
Furniture and vehicles24€59k€43k▼
Other tangible fixed assets26€5k€12k▲
Financial fixed assets28€2k€2k=
Current assets29/58€61k€109k▲
Amounts receivable within one year40/41€2k€19k▲
Trade receivables40€50-
Other amounts receivable41€2k€19k▲
Cash at bank and in hand54/58€59k€90k▲
Equity and liabilities
Total equity and liabilities10/49€350k€376k▲
Equity10/15€278k€319k▲
Contributions10/11€19k€19k=
Reserves13€257k€298k▲
Distributable reserves133€257k€298k▲
Profit (loss) carried forward14€3k€3k=
Amounts payable17/49€71k€57k▼
Amounts payable after more than one year17€19k€19k=
Financial debts170/4€19k€19k=
Amounts payable within one year42/48€52k€38k▼
Current portion of amounts payable after more than one year42€30k-
Trade debts44€840€474▼
Suppliers440/4€840€474▼
Taxes, remuneration and social security45-€3k
Taxes450/3-€1k
Remuneration and social security454/9-€2k
Other amounts payable47/48€21k€34k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€34k▼
Other operating charges640/8€666€1k▲
Gross operating margin9900€108k€142k▲
Operating profit (loss)9901€73k€107k▲
Financial income75/76B€1€97▲
Recurring financial income75€1€97▲
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€70k€105k▲
Income taxes67/77€20k€30k▲
Profit (loss) for the period9904€49k€75k▲
Profit (loss) for the period to be appropriated9905€49k€75k▲
Appropriation of the result
Profit (loss) to be appropriated9906€52k€78k▲
Profit (loss) brought forward from the previous period14P€3k€3k=
Transfer from equity791/2-€34k
Transfer to equity691/2€49k€75k▲
To other reserves6921€49k€75k▲
Profit to be distributed694/7-€34k
Return on contributions (dividend)694-€34k
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 2.87
Current ratio from 1.16 to 2.87; short-term debt falls from €52k to €38k.
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 1.16
Current ratio from 0.50 to 1.16; short-term debt falls from €91k to €52k.
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €76k ▲59.2%
Operating result €112k, net result €76k, both a record.
31-12
Financial
Equity above €200kEq €229k ▲49.1%
5 profitable years in a row build equity to €229k.
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €154k ▲44.6%
4 profitable years in a row build equity to €154k.
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €106k ▲59.5%
3 profitable years in a row build equity to €106k.
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
09-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
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, Destelbergen · 1 establishment unit since 2006
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.
Houtstraat 239070 DestelbergenGround area
851 m²
Building footprint
147 m²
Volume, LiDAR
740 m³
Parcel 44013B0055/00C000, Flanders · tallest building 6.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Houtstraat 23, 9070 Destelbergen
since 20062.302.138.513
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44013B0055/00C000 | Flanders | 851 m² | 1 · 147 m² | 6.4 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 11,670 companies in sector 85599 we hold annual accounts for 1,329. 838 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-01-2006
Fiscal year end31-12
Activities, NACEBEL
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.