ROLAIN & FILS
ActiveROLAIN & FILS has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €324k and a net result of €-14k. Equity is growing by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 20% of 7687 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-55
Solvency29▼-24
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days only on tighter terms
Liquidity tight (current ratio 1.21 against 1.37 in 2024), and 80.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 7687 sector peers (2025).
NBB · sector comparisonPosition among 7687 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-09-2026, 33 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
33 d late
2024
1 d early
2023
17 d early
2022
21 d early
2021
27 d early
2020
5 d late
2019
10 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-14k
2024 · €37k
2018: €-2k
2019: €5k
2020: €14k
2021: €24k
2022: €35k
2023: €14k
2024: €37k
2018 → 2025
Working capital
€266k▼ 4.7%
2024 · €280k
2018: €93k
2019: €103k
2020: €108k
2021: €138k
2022: €180k
2023: €245k
2024: €280k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€252k-€286k▲ 13.7%€301k▲ 5.1%€338k▲ 12.4%€324k▼ 4.1%
Operating result€76k-€72k▼ 6.1%€49k▼ 32.0%€93k▲ 90.6%€39k▼ 57.6%
Net result€24k-€35k▲ 45.9%€14k▼ 58.1%€37k▲ 157%€-14k
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 58% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.65M
Fixed assets
€139k▼ 0.6%
Current assets
€1.52M▲ 47.6%
Equity and liabilities €1.65M
Equity
€324k▼ 4.1%
Debt
€1.33M▲ 60.6%
The debt ratio rises from 71.0% to 80.4%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€81k▼
2024 · €129k
Cash flow
€27k▼
2024 · €73k
Solvency
19.6%▼
2024 · 29.0%
Current ratio
1.21▼
2024 · 1.37
Quick ratio
1.15▼
2024 · 1.19
Debt / equity
4.10▲
2024 · 2.45
ROE
-4.3%▼
2024 · 11.0%
ROA
-0.8%▼
2024 · 3.2%
Interest coverage
1.73▼
2024 · 2.37
Debt
€1.33M▲
2024 · €828k
Debt ≤ 1 year
€1.25M▲
2024 · €747k
Debt > 1 year
€81k▼
2024 · €81k
Income taxes
€9k▼
2024 · €15k
Staff costs
€469k▲
2024 · €335k
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€1.17M€1.65M▲
Fixed assets21/28€139k€139k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€123k€122k▼
Land and buildings22€50k€32k▼
Plant, machinery and equipment23€948€2k▲
Furniture and vehicles24€20k€14k▼
Other tangible fixed assets26€51k€74k▲
Financial fixed assets28€17k€17k=
Current assets29/58€1.03M€1.52M▲
Stocks and contracts in progress3€137k€83k▼
Stocks30/36€137k€83k▼
Amounts receivable within one year40/41€850k€1.35M▲
Trade receivables40€701k€1.29M▲
Other amounts receivable41€149k€65k▼
Cash at bank and in hand54/58€33k€72k▲
Deferred charges and accrued income490/1€7k€10k▲
Equity and liabilities
Total equity and liabilities10/49€1.17M€1.65M▲
Equity10/15€338k€324k▼
Contributions10/11€32k€32k=
Reserves13€256k€256k=
Non-distributable reserves130/1€6k€6k=
Reserves not available under the articles1311€6k€6k=
Distributable reserves133€250k€250k=
Profit (loss) carried forward14€50k€36k▼
Amounts payable17/49€828k€1.33M▲
Amounts payable after more than one year17€81k€81k▼
Financial debts170/4€81k€81k▼
Amounts payable within one year42/48€747k€1.25M▲
Current portion of amounts payable after more than one year42€46k€46k▲
Financial debts43€316k€316k▲
Credit institutions430/8€316k€316k▲
Trade debts44€365k€825k▲
Suppliers440/4€365k€825k▲
Taxes, remuneration and social security45€20k€16k▼
Taxes450/3€8k€1k▼
Remuneration and social security454/9€12k€15k▲
Other amounts payable47/48-€45k
Income statement
Code20242025
Remuneration, social security and pensions62€335k€469k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€41k▲
Other operating charges640/8€8k€9k▲
Gross operating margin9900€473k€559k▲
Operating profit (loss)9901€93k€39k▼
Financial income75/76B€17k€3k▼
Recurring financial income75€17k€3k▼
Financial charges65/66B€58k€47k▼
Recurring financial charges65€55k€47k▼
Non-recurring financial charges66B€3k-
Profit (loss) for the period before taxes9903€52k€-5k▼
Income taxes67/77€15k€9k▼
Profit (loss) for the period9904€37k€-14k▼
Profit (loss) for the period to be appropriated9905€37k€-14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€80k€36k▼
Profit (loss) brought forward from the previous period14P€43k€50k▲
Transfer to equity691/2€30k-
To other reserves6921€30k-
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
Next filing, fiscal year 2026, expected by
2026
02-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 33 days late
2025
31-12
Financial
Weakest financial yearnet €-14k ▼137%
Net result drops to €-14k, the lowest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €37k ▲157%
Operating result €93k, net result €37k, both a record.
14-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
05-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 5 days late
2020
10-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 10 days late
2019
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 57 days late
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 7 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Jemeppe-sur-Sambre · 1 establishment unit since 2002
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 Isidore-Derèse,Mornimont 1445190 Jemeppe-sur-SambreGround area
3.0 ha
Building footprint
6,431 m²
Volume, LiDAR
53,935 m³
Parcel 92090A0088/00S000, Wallonia · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ROLAIN & FILS
since 20022.114.051.751
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92090A0088/00S000 | Wallonia | 3.0 ha | 1 · 6,431 m² | 9.4 m · 3 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.
Recognitions · licences · registrations
Recognised contractor
2 categoriesROLAIN & FILS SRL43668
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Of 19,947 companies in sector 43320 we hold annual accounts for 9,084. 6,739 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-01-2002
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
45421
43343Specialised construction activities
45422
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.