Equity
€52,359 ▲ 36.0%
ROMALU INVEST has made a profit in every financial year since 2023.
ROMALU INVEST
Lifetime
3 annual accounts with figures on one time axispeak €125,609 (2023)
€86,757▲ 2.3%
peak €13,861 (2025)
€13,861▲ 19.2%
peak €52,359 (2025)
€52,359▲ 36.0%
€821,445▼ 4.2%
Board1 name since 2022
1 directorRULES
Owners
65%RULES
Documentsfilings and deeds
01-06-202660 days before the deadline
2025micro format
Equity from €38,498 to €52,359
Key points
from the 2025 annual accountsChecked score
89
Excellent
Financially stronger than 48% of micro companies without a NACE code
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.3%▲ +0.1 percentage points vs 05-2025highest value
07-2025: 0.2%▼ -0.1 percentage points vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.3%▲ +0.1 percentage points vs 05-2026
07-2026: 0.2%▼ -0.1 percentage points vs 06-2026lowest value
08-2026: 0.2%● unchanged vs 07-2026lowest value
09-2026: 0.2%● unchanged vs 08-2026lowest value
10-2026: 0.2%● unchanged vs 09-2026lowest value
11-2026: 0.2%● unchanged vs 10-2026lowest value
Financial strengthAverage
Score breakdown
raises risk
Founded in 2022
lowers risk
Size: total assets €873,805
No main activity registered
Figures for financial year 2025 (filed on 03-06-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 20% of them on solvency, 56% on liquidity, 34% on profitability and 83% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,514 companies had the same profile as ROMALU INVEST has now. Each dot stands for 4 companies, two years later.
95.8%
were still trading
1.5%
stopped another way
2.4%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of ROMALU INVEST itself is lower: 0.2% within 12 months. It rests on far more data about ROMALU INVEST than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,514 companies, not a prediction for ROMALU INVEST. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €4,500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.02 (0.82 in 2024), below the usual 1.5. Short-term debt is 7% and cash 7.1% of total assets. 94% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 01-06-2026, 60 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
60 days early
2024
38 days early
2023
51 days early
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 3 accounts on average 50 days before the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 11 June (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0784751675
Incorporation
Founding capital of €20,000, 120 shares · Founders: RULES (comparant), VANDERHEIJDEN Marie Joëlle (comparant) and BONGERS Luc Johan Antoon René (comparant) · Appointment: RULES (director) · published on 14-04-2022 · Gazette deed
First establishment
St.-Truidersteenweg 507, Tongeren-Borgloon
Official details
Source: KBO- Status
- Active since 12-04-2022Normal situation
- Activity
- “Het aanleggen,het oordeelkundig uitbouwen en beheren van een roerend vermogen; alle verrichtingen met betrekking…” (deed in Dutch)From the articles, 10 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.330.922.6683840 Tongeren-Borgloon, since 12-04-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 30-01-2025
Annual accounts 2025
- €873,805▼ 2.5%
- Filing
- Filed on 01-06-2026, 60 days before the end of the filing period
Insights on ROMALU INVEST
ROMALU INVEST files the micro format. That format states no turnover. The gross margin fell from €125,609 in 2023 to €86,757 in 2025.
RULES holds 65% of the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about ROMALU INVEST
- What is the company number of ROMALU INVEST?
- The company number of ROMALU INVEST is 0784.751.675. The VAT number is the same number with BE in front: BE 0784.751.675.
- Where is ROMALU INVEST based?
- The registered office is at St.-Truidersteenweg 507, 3840 Tongeren-Borgloon.Company details
- What is the legal form of ROMALU INVEST?
- ROMALU INVEST is a private limited company (BV).
- When was ROMALU INVEST founded?
- ROMALU INVEST was founded on 12-04-2022.
- Is ROMALU INVEST still active?
- Yes, ROMALU INVEST is an active enterprise in the KBO register.
- What is the turnover of ROMALU INVEST?
- The turnover in financial year 2025 is ≈ €260,000. This figure is estimated from the gross margin of €86,757 and 2,667 comparable companies of the same size. It probably lies between €170,000 and €450,000. It is a rough estimate.Financials
- Is ROMALU INVEST profitable?
- In financial year 2025, ROMALU INVEST made a profit of €13,861.
- Where can I find the annual accounts of ROMALU INVEST?
- ROMALU INVEST filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of ROMALU INVEST due?
- ROMALU INVEST must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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