Romaconstruction
ActiveThe computed 12-month bankruptcy probability of Romaconstruction is 2.9% (moderate). The 2025 annual accounts show equity of €68k and a net result of €2k. Equity is growing by ~29.2% per year across the filed fiscal years. Its solvency ranks better than 14% of 27450 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
39
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability40▼-1
Solvency34▲+3
Growth68=
Track record100
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.18 against 1.04 in 2024; short-term debt: 53.9% and cash: 2% of total assets), and 90.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 27450 sector peers (2025).
NBB · sector comparisonPosition among 27450 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 29-09-2025, 32 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
32 d early
2024
48 d early
2023
49 d early
2022
116 d early
2021
34 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close16-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Turnover
€1.17M▼ 5.4%
2024 · €1.24M
2022: €250k
2023: €743k
2024: €1.24M
2022 → 2025
EBIT margin
3.3%▼ 0.3pp
2024 · 3.7%
2022: 14.0%
2023: 5.6%
2024: 3.7%
2022 → 2025
Net result
€2k▼ 84.4%
2024 · €14k
2021: €15k
2022: €20k
2023: €12k
2024: €14k
2021 → 2025
Working capital
€70k▲ 143%
2024 · €29k
2021: €-18k
2022: €92k
2023: €179k
2024: €29k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€250k€743k▲ 197%€1.24M▲ 66.5%€1.17M▼ 5.4%
Equity€20k-€40k▲ 96.8%€52k▲ 29.9%€66k▲ 27.0%€68k▲ 3.3%
Operating result€22k-€35k▲ 61.8%€42k▲ 18.6%€46k▲ 10.0%€39k▼ 14.3%
Net result€15k-€20k▲ 28.5%€12k▼ 39.2%€14k▲ 17.5%€2k▼ 84.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 14% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €715k
Fixed assets
€260k▲ 4.9%
Current assets
€456k▼ 45.7%
Equity and liabilities €715k
Equity
€68k▲ 3.3%
Debt
€647k▼ 36.6%
The debt ratio falls from 94.0% to 90.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€71k▼
2024 · €94k
Cash flow
€34k▼
2024 · €63k
Solvency
9.5%▲
2024 · 6.0%
Current ratio
1.18▲
2024 · 1.04
Quick ratio
0.92▲
2024 · 0.91
Debt / equity
9.53▼
2024 · 15.54
ROE
3.2%▼
2024 · 21.3%
ROA
0.3%▼
2024 · 1.3%
Interest coverage
2.23▲
2024 · 1.83
Debt
€647k▼
2024 · €1.02M
Debt ≤ 1 year
€386k▼
2024 · €811k
Debt > 1 year
€259k▲
2024 · €211k
Income taxes
€6k▲
2024 · €2k
Staff costs
€208k▲
2024 · €176k
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€1.09M€715k▼
Formation expenses20€0€0=
Fixed assets21/28€247k€260k▲
Intangible fixed assets21€44k€37k▼
Tangible fixed assets22/27€202k€221k▲
Land and buildings22€148k€212k▲
Plant, machinery and equipment23€28k€2k▼
Furniture and vehicles24€23k€4k▼
Leasing and similar rights25€0-
Other tangible fixed assets26€3k€2k▼
Financial fixed assets28€900€900=
Current assets29/58€840k€456k▼
Stocks and contracts in progress3€100k€100k=
Stocks30/36€100k€100k=
Amounts receivable within one year40/41€737k€336k▼
Trade receivables40€705k€311k▼
Other amounts receivable41€32k€25k▼
Cash at bank and in hand54/58€2k€14k▲
Deferred charges and accrued income490/1€1k€5k▲
Equity and liabilities
Total equity and liabilities10/49€1.09M€715k▼
Equity10/15€66k€68k▲
Contributions10/11€5k€5k=
Reserves13€27k€27k=
Distributable reserves133€27k€27k=
Profit (loss) carried forward14€34k€36k▲
Amounts payable17/49€1.02M€647k▼
Amounts payable after more than one year17€211k€259k▲
Financial debts170/4€211k€259k▲
Amounts payable within one year42/48€811k€386k▼
Current portion of amounts payable after more than one year42€49k€46k▼
Financial debts43€60k€0▼
Credit institutions430/8€60k€0▼
Trade debts44€173k€152k▼
Suppliers440/4€173k€152k▼
Advances received on contracts in progress46€459k€5k▼
Taxes, remuneration and social security45€25k€123k▲
Taxes450/3€2k€107k▲
Remuneration and social security454/9€23k€16k▼
Other amounts payable47/48€45k€59k▲
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Turnover70€1.24M€1.17M▼
Goods, raw materials, services and sundry goods60/61€1.00M€921k▼
Remuneration, social security and pensions62€176k€208k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€32k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€686
Other operating charges640/8€7k€17k▲
Gross operating margin9900€277k€297k▲
Operating profit (loss)9901€46k€39k▼
Financial income75/76B€22k€282▼
Recurring financial income75€22k€282▼
Financial charges65/66B€52k€32k▼
Recurring financial charges65€52k€32k▼
Profit (loss) for the period before taxes9903€16k€8k▼
Income taxes67/77€2k€6k▲
Profit (loss) for the period9904€14k€2k▼
Profit (loss) for the period to be appropriated9905€14k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€34k€36k▲
Profit (loss) brought forward from the previous period14P€20k€34k▲
The notes to these accounts (12 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
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet €2k ▼84.4%
Net result drops to €2k, the lowest in the series.
2024
13-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
12-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Highest result since 2021net €20k ▲28.5%
Net result €20k, the highest in the series.
31-03
Financial
Liquidity triplescurrent ratio 2.00
Current ratio from 0.78 to 2.00.
2021
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Thuin · 2 establishment units since 2020
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 de Bomerée(GOZ) 96534 ThuinGround area
1,548 m²
Building footprint
206 m²
Volume, LiDAR
1,445 m³
2 parcels, Wallonia · tallest building 13.2 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Romaconstruction
since 20202.301.730.915
Rue de Bomerée(GOZ) 9, 6534 Thuin
since 20222.343.049.747
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56352B0099/00P008 | Wallonia | 1,407 m² | 1 · 145 m² | 7.6 m · 2 fl. |
| 52012A0558/00E000 | Wallonia | 141 m² | 1 · 61 m² | 13.2 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
K&B CONSTRUCT
BE 0737.525.741
Sint-Gillis (bij-Brussel) · Eq €68k
Deboma
BE 0880.788.308
Oostende · Eq €68k
Built to Build
BE 0790.217.626
Bilzen-Hoeselt · Eq €68k
HOME CONSTRUCT
BE 0419.685.148
Pajottegem · Eq €68k
FERREINOX
BE 0735.725.105
Sint-Genesius-Rode · Eq €68k
Of 29,808 companies in sector 41001 we hold annual accounts for 16,038. 13,220 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-03-2020
Fiscal year end31-03
Activities, NACEBEL
41001General construction of residential buildings
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.