ROLGANCIA 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 €150k and a net result of €32k. Equity is growing by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 88% of 8013 sector peers (fiscal year 2025). The company has been active since 2012 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
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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 · 10 filingsDeviation from the deadline
2025
17 d late
2024
1 d late
2023
12 d early
2022
28 d late
2021
31 d late
2020
34 d late
2019
39 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€150k▲ 27.5%
2024 · €118k
2018: €49k
2019: €71k
2020: €80k
2021: €90k
2022: €93k
2023: €98k
2024: €118k
2018 → 2025
Net result
€32k▲ 62.8%
2024 · €20k
2018: €25k
2019: €22k
2020: €9k
2021: €10k
2022: €3k
2023: €5k
2024: €20k
2018 → 2025
Total assets
€167k▲ 29.3%
2024 · €129k
2018: €73k
2019: €114k
2020: €114k
2021: €101k
2022: €103k
2023: €105k
2024: €129k
2018 → 2025
Solvency
90.0%▼ 1.3pp
2024 · 91.3%
2018: 67.3%
2019: 62.5%
2020: 70.4%
2021: 89.3%
2022: 90.9%
2023: 93.2%
2024: 91.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€90k-€93k▲ 3.8%€98k▲ 4.9%€118k▲ 20.3%€150k▲ 27.5%
Operating result€11k-€5k▼ 56.9%€7k▲ 37.5%€30k▲ 360%€49k▲ 62.1%
Net result€10k-€3k▼ 65.2%€5k▲ 33.4%€20k▲ 331%€32k▲ 62.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 62% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €167k
Fixed assets
€24k▼ 17.9%
Current assets
€144k▲ 42.8%
Equity and liabilities €167k
Equity
€150k▲ 27.5%
Debt
€17k▲ 49.3%
The debt ratio rises from 8.7% to 10.0%. Equity and debt are higher.
Key figures and ratios
Solvency
90.0%▼
2024 · 91.3%
ROE
21.5%▲
2024 · 16.9%
ROA
19.4%▲
2024 · 15.4%
Debt
€17k▲
2024 · €11k
Debt ≤ 1 year
€17k▲
2024 · €11k
Income taxes
€17k▲
2024 · €10k
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€129k€167k▲
Fixed assets21/28€29k€24k▼
Tangible fixed assets22/27€29k€24k▼
Furniture and vehicles24€29k€24k▼
Current assets29/58€101k€144k▲
Amounts receivable within one year40/41€1k€27k▲
Trade receivables40€1k€24k▲
Other amounts receivable41€329€3k▲
Cash at bank and in hand54/58€99k€116k▲
Deferred charges and accrued income490/1€509€530▲
Equity and liabilities
Total equity and liabilities10/49€129k€167k▲
Equity10/15€118k€150k▲
Contributions10/11€12k€12k=
Reserves13€26k€59k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€4k€4k=
Distributable reserves133€20k€52k▲
Profit (loss) carried forward14€79k€79k=
Amounts payable17/49€11k€17k▲
Amounts payable within one year42/48€11k€17k▲
Trade debts44€12€134▲
Suppliers440/4€12€134▲
Taxes, remuneration and social security45€10k€17k▲
Taxes450/3€10k€17k▲
Other amounts payable47/48€883-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▲
Other operating charges640/8€566€641▲
Gross operating margin9900€36k€55k▲
Operating profit (loss)9901€30k€49k▲
Financial charges65/66B€70€94▲
Recurring financial charges65€70€94▲
Profit (loss) for the period before taxes9903€30k€49k▲
Income taxes67/77€10k€17k▲
Profit (loss) for the period9904€20k€32k▲
Profit (loss) for the period to be appropriated9905€20k€32k▲
Appropriation of the result
Profit (loss) to be appropriated9906€99k€112k▲
Profit (loss) brought forward from the previous period14P€79k€79k=
Transfer to equity691/2€20k€32k▲
To other reserves6921€20k€32k▲
The notes to these accounts (4 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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
31-12
Financial
Highest result since 2018net €32k ▲62.8%
Operating result €49k, net result €32k, both a record.
31-12
Financial
Equity above €150kEq €150k ▲27.5%
8 profitable years in a row build equity to €150k.
01-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 1 day late
2024
31-12
Financial
Equity above €100kEq €118k ▲20.3%
7 profitable years in a row build equity to €118k.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 13.40
Current ratio from 5.94 to 13.40; short-term debt falls from €8k to €5k.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Weakest financial yearnet €3k ▼65.2%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 5.94
Current ratio from 1.95 to 5.94; short-term debt falls from €10k to €8k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
03-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 34 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 6.08
Current ratio from 1.83 to 6.08; short-term debt falls from €18k to €9k.
08-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 39 days late
2019
14-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
20-07
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, Lanaken · 1 establishment unit since 2012
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.
Andre Dumontplaats 23620 LanakenGround area
8,076 m²
Building footprint
626 m²
Volume, LiDAR
3,090 m³
Parcel 73322A0255/00H004, Flanders · tallest building 14.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rolgancia
since 20122.210.294.062
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73322A0255/00H004 | Flanders | 8,076 m² | 1 · 626 m² | 14.2 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.
Recognitions · licences · registrations
Legal Entity Identifier
699400MB7Y6NW1YNZU56
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,229 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-06-2012
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.