ROMALO
ActiveSummary
ROMALO has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €233,254 and a net result of €142,717. Equity is growing by ~28.5% per year across the filed fiscal years. Its solvency ranks better than 34% of 3241 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability95▼-5
Solvency59▼-41
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17,000 at 30 days acceptable
Liquidity tight (current ratio 1.38 against 19.0 in 2024; short-term debt: 34.5% and cash: 9.5% of total assets), and 66.3% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
33.7%
Return on assets
20.6%
Age of the figures
12 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-05-2026, 27 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 · 4 filingsDeviation from the deadline
2025
27 d late
2024
1 d early
2023
33 d early
2022
33 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 10 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 14 April (3 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 close30-09-2026 today30-04-2027 deadline
History
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Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€142,717▼ 4.6%
2024 · €149,631
Working capital
€90,844▼ 55.8%
2024 · €205,658
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€57,708-€59,954▲ 3.9%€85,254▲ 42.2%€72,594▼ 14.8%
Net result€109,291within the sector's middle half-€30,615within the sector's middle half▼ 72.0%€149,631within the sector's middle half▲ 389%€142,717within the sector's middle half▼ 4.6%
Equity€110,291within the sector's middle half-€140,906within the sector's middle half▲ 27.8%€290,538within the sector's middle half▲ 106%€233,254within the sector's middle half▼ 19.7%
Total assets€155,711below the sector's middle half-€192,073below the sector's middle half▲ 23.4%€341,962below the sector's middle half▲ 78.0%€692,268within the sector's middle half▲ 102%
Debt€45,419-€51,167▲ 12.7%€51,424▲ 0.5%€459,013▲ 793%
Working capital€60,410within the sector's middle half-€62,622within the sector's middle half▲ 3.7%€205,658within the sector's middle half▲ 228%€90,844within the sector's middle half▼ 55.8%
Solvency70.8%within the sector's middle half-73.4%within the sector's middle half▲ 2.5pp85.0%above the sector's middle half▲ 11.6pp33.7%within the sector's middle half▼ 51.3pp
Current ratio12.15above the sector's middle half-6.61above the sector's middle half▼ 5.5419.00above the sector's middle half▲ 12.391.38within the sector's middle half▼ 17.62
Return on assets (ROA)70.2%above the sector's middle half-15.9%above the sector's middle half▼ 54.2pp43.8%above the sector's middle half▲ 27.8pp20.6%above the sector's middle half▼ 23.1pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €692,268
Fixed assets
€362,841 ▲ 191%
Current assets
€329,426 ▲ 51.8%
Equity and liabilities €692,268
Equity
€233,254 ▼ 19.7%
Debt
€459,013 ▲ 793%
Debt's share of the balance-sheet total rises from 15.0% to 66.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€86,449▼
2024 · €89,117
Cash flow
€156,572▲
2024 · €153,495
Debt to equity
1.97▲
2024 · 0.18
ROE
61.2%▲
2024 · 51.5%
Interest coverage
8.48▼
2024 · 118.65
Debt ≤ 1 year
€238,583▲
2024 · €11,424
Debt > 1 year
€220,431
Income taxes
€34,379▲
2024 · €263
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,781 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 97% are still going.
- Small
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
2.7%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,781 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €2,563 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €989 | €1,086 | €3,863 | €13,855 | ▲ 259% |
| Other operating charges640/8 | €5,724 | €5,052 | €6,379 | €6,069 | ▼ 4.9% |
| Non-recurring operating charges66A | - | - | - | €688 | - |
| Gross operating margin9900 | €64,421 | €66,092 | €95,497 | €93,206 | ▼ 2.4% |
| Operating profit (loss)9901 | €57,708 | €59,954 | €85,254 | €72,594 | ▼ 14.8% |
| Financial income75/76B | €51,998 | €361 | €65,392 | €114,696 | ▲ 75.4% |
| Recurring financial income75 | €51,998 | €361 | €65,392 | €114,696 | ▲ 75.4% |
| Financial charges65/66B | €414 | €726 | €751 | €10,194 | ▲ 1,257% |
| Recurring financial charges65 | €414 | €726 | €751 | €10,194 | ▲ 1,257% |
| Profit (loss) for the period before taxes9903 | €109,291 | €59,589 | €149,895 | €177,096 | ▲ 18.1% |
| Income taxes67/77 | - | €28,974 | €263 | €34,379 | ▲ 12,951% |
| Profit (loss) for the period9904 | €109,291 | €30,615 | €149,631 | €142,717 | ▼ 4.6% |
| Profit (loss) for the period to be appropriated9905 | €109,291 | €30,615 | €149,631 | €142,717 | ▼ 4.6% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €155,711 | €192,073 | €341,962 | €692,268 | ▲ 102% |
| Fixed assets21/28 | €89,881 | €118,284 | €124,879 | €362,841 | ▲ 191% |
| Tangible fixed assets22/27 | €911 | €29,314 | €35,909 | €273,871 | ▲ 663% |
| Land and buildings22 | - | - | - | €237,375 | - |
| Plant, machinery and equipment23 | €911 | €28,324 | €34,425 | €34,158 | ▼ 0.8% |
| Furniture and vehicles24 | - | €990 | €1,485 | €2,338 | ▲ 57.5% |
| Financial fixed assets28 | €88,970 | €88,970 | €88,970 | €88,970 | = |
| Current assets29/58 | €65,830 | €73,789 | €217,082 | €329,426 | ▲ 51.8% |
| Amounts receivable after more than one year29 | - | - | - | €164,700 | - |
| Other amounts receivable291 | - | - | - | €164,700 | - |
| Amounts receivable within one year40/41 | €10,921 | €25,769 | €46,891 | €4,657 | ▼ 90.1% |
| Trade receivables40 | - | €15,679 | €17,391 | - | - |
| Other amounts receivable41 | €10,921 | €10,090 | €29,500 | €4,657 | ▼ 84.2% |
| Current investments50/53 | - | €5,500 | €91,500 | €91,500 | = |
| Cash at bank and in hand54/58 | €54,908 | €42,520 | €78,691 | €65,803 | ▼ 16.4% |
| Deferred charges and accrued income490/1 | - | - | - | €2,767 | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €155,711 | €192,073 | €341,962 | €692,268 | ▲ 102% |
| Equity10/15 | €110,291 | €140,906 | €290,538 | €233,254 | ▼ 19.7% |
| Contributions10/11 | €1,000 | €1,000 | €1,000 | €1,000 | = |
| Outside capital11 | €1,000 | €1,000 | €1,000 | - | - |
| Share premium1100/10 | €1,000 | €1,000 | €1,000 | - | - |
| Profit (loss) carried forward14 | €109,291 | €139,906 | €289,538 | €232,254 | ▼ 19.8% |
| Amounts payable17/49 | €45,419 | €51,167 | €51,424 | €459,013 | ▲ 793% |
| Amounts payable after more than one year17 | - | - | - | €220,431 | - |
| Financial debts170/4 | - | - | - | €220,431 | - |
| Amounts payable within one year42/48 | €5,419 | €11,167 | €11,424 | €238,583 | ▲ 1,988% |
| Current portion of amounts payable after more than one year42 | - | - | - | €13,018 | - |
| Financial debts43 | - | - | - | €1,838 | - |
| Credit institutions430/8 | - | - | - | €1,838 | - |
| Trade debts44 | €983 | €1,295 | €3,310 | - | - |
| Suppliers440/4 | €983 | €1,295 | €3,310 | - | - |
| Taxes, remuneration and social security45 | €4,437 | €9,872 | €8,114 | €53,727 | ▲ 562% |
| Taxes450/3 | €4,437 | €9,872 | €8,114 | €53,727 | ▲ 562% |
| Other amounts payable47/48 | - | - | - | €170,000 | - |
| Accrued charges and deferred income492/3 | €40,000 | €40,000 | €40,000 | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €109,291 | €30,615 | €149,631 | €142,717 | ▼ 4.6% |
| + Depreciation and write-downs630 | €989 | €1,086 | €3,863 | €13,855 | ▲ 259% |
| Operating cash flow (approximation) | €110,280 | €31,701 | €153,495 | €156,572 | ▲ 2.0% |
| Investment in fixed assets (approximation) | - | -€29,489 | -€10,459 | -€251,817 | ▼ 2,308% |
| Change in cash | - | -€12,388 | €36,171 | -€12,888 | ▼ 136% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 27 days late
2025
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-09
Financial
Highest result since 2022net €149,631 ▲389%
Operating result €85,254, net result €149,631, both a record.
30-09
Financial
Liquidity triplescurrent ratio 19.00
Current ratio from 6.61 to 19.00.
30-09
Financial
Equity above €200,000Eq €290,538 ▲106%
3 profitable years in a row build equity to €290,538.
28-03
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-09
Financial
Weakest financial yearnet €30,615 ▼72%
Net result drops to €30,615, the lowest in the series; recovery starts the following year.
28-03
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Tournai · 1 establishment unit since 2020
Ground area
840 m²
Building footprint
193 m²
Volume, LiDAR
1,536 m³
Parcel 57463L0200/00H002, Wallonia · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Vieux Colombier(TOU) 3, 7500 Tournai
since 20202.313.519.581
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57463L0200/00H002 | Wallonia | 840 m² | 1 · 193 m² | 11.0 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 82,641 companies in sector 70200 we hold annual accounts for 52,636. 39,239 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded10-11-2020
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0757946914
Registered
25-02-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.