ROLUMO
ActiveROLUMO has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.99M and a net result of €-29k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 67% of 8862 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency63▲+1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €80k at 30 days only on tighter terms
Liquidity short (current ratio 0.27 against 0.25 in 2024), and 47.3% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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 2025Solvency, return and age of the figures
Solvency
52.7%
Return on assets
-0.8%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
25 d late
2023
27 d early
2022
24 d late
2021
22 d late
2020
34 d late
2019
26 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
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.99M▼ 1.4%
2024 · €2.02M
2018: €1.91M
2019: €1.94M
2020: €1.98M
2021: €2.07M
2022: €2.05M
2023: €2.03M
2024: €2.02M
2018 → 2025
Total assets
€3.79M▼ 3.7%
2024 · €3.93M
2018: €4.77M
2019: €4.25M
2020: €3.97M
2021: €4.06M
2022: €3.98M
2023: €3.94M
2024: €3.93M
2018 → 2025
Net result
€-29k▼ 382%
2024 · €-6k
2018: €-81k
2019: €-59k
2020: €-49k
2021: €92k
2022: €-28k
2023: €-17k
2024: €-6k
2018 → 2025
Working capital
€-1.32M▲ 8.2%
2024 · €-1.43M
2018: €-953k
2019: €-584k
2020: €-449k
2021: €-1.30M
2022: €-1.57M
2023: €-1.57M
2024: €-1.43M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.07M-€2.05M▼ 1.3%€2.03M▼ 0.9%€2.02M▼ 0.3%€1.99M▼ 1.4%
Operating result€-7k-€11k€-2k€-5k▼ 105%€-40k▼ 681%
Net result€92k-€-28k€-17k▲ 37.0%€-6k▲ 65.6%€-29k▼ 382%
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 stays negative: a loss of €40k in 2025 against €5k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.79M
Fixed assets
€3.31M▼ 4.3%
Current assets
€476k▲ 0.6%
Equity and liabilities €3.79M
Equity
€1.99M▼ 1.4%
Debt
€1.79M▼ 6.1%
The debt ratio falls from 48.6% to 47.3%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€107k▼
2024 · €141k
Cash flow
€118k▼
2024 · €140k
Solvency
52.7%▲
2024 · 51.4%
Current ratio
0.27▲
2024 · 0.25
Quick ratio
0.27▲
2024 · 0.25
Debt / equity
0.90▼
2024 · 0.94
ROE
-1.5%▼
2024 · -0.3%
ROA
-0.8%▼
2024 · -0.2%
Interest coverage
193.18▲
2024 · 163.35
Debt
€1.79M▼
2024 · €1.91M
Debt ≤ 1 year
€1.79M▼
2024 · €1.91M
Income taxes
€-10k▼
2024 · €0
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
Total assets
20/58€3.93M€3.79M▼
Fixed assets
21/28€3.46M€3.31M▼
Tangible fixed assets
22/27€3.46M€3.31M▼
Financial fixed assets
28€472€472=
Current assets
29/58€473k€476k▲
Amounts receivable within one year
40/41€10k€26k▲
Investments
50/53€56k€260k▲
Cash & bank
54/58€401k€180k▼
Total equity & liabilities
10/49€3.93M€3.79M▼
Equity
10/15€2.02M€1.99M▼
Contributions / capital
10/11€1.88M€1.88M=
Reserves
13€281k€281k=
Accumulated profits (losses)
14€-143k€-172k▼
Amounts payable
17/49€1.91M€1.79M▼
Amounts payable within one year
42/48€1.91M€1.79M▼
Trade debts payable within one year
44€2k€9k▲
Income statement
Code20242025
Gross operating margin
9900€169k€136k▼
Operating result
9901€-5k€-40k▼
Financial income
75€0€2k▲
Financial charges
65€865€555▼
Result before taxes
9903€-6k€-39k▼
Income taxes
67/77€0€-10k▼
Net result for the period
9904€-6k€-29k▼
Result to be appropriated
9905€-6k€-29k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 24 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 22 days late
2021
31-12
Financial
Back to profitnet €92k
Net result €92k after 3 loss-making years.
31-12
Financial
Equity above €2MEq €2.07M ▲4.6%
Equity rises from €1.98M to €2.07M.
03-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 34 days late
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 26 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 26 days late
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
ROCADE
BE 0475.443.619
Temse · Eq €1.99M
Immobilier et finance
BE 0442.213.201
Brussel · Eq €2.00M
SCHOLLIER-STRUBBE BOUWPROMOTIE
BE 0433.716.989
Koekelare · Eq €1.99M
TIBFIN
BE 0762.875.997
Gent · Eq €2.00M
HS-GROUP
BE 0882.247.860
Elsene · Eq €2.00M
Of 9,662 companies in sector 68121 we hold annual accounts for 6,977. 2,946 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded20-09-1991
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
70111
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 19-07-2026. Scores and ratios are computed by Checked and are not a credit decision.