ROMASSURFINANCE
ActiveROMASSURFINANCE 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 €5k and a net result of €24k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 2410 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 2410 sector peers (2025).
NBB · sector comparisonPosition among 2410 sector peers
Solvency
better than 10%
← weakest
strongest →
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 07-04-2026, 115 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
115 d early
2024
14 d early
2023
26 d late
2022
115 d early
2021
100 d early
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€5k▼ 55.3%
2024 · €11k
2021: €22k
2022: €3k
2023: €5k
2024: €11k
2021 → 2025
Net result
€24k▲ 306%
2024 · €6k
2021: €17k
2022: €-19k
2023: €2k
2024: €6k
2021 → 2025
Total assets
€200k▼ 2.1%
2024 · €205k
2021: €64k
2022: €159k
2023: €177k
2024: €205k
2021 → 2025
Solvency
2.5%▼ 3.0pp
2024 · 5.5%
2021: 34.7%
2022: 2.0%
2023: 2.9%
2024: 5.5%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€97k-€189k▲ 93.9%€218k▲ 15.4%€248k▲ 14.0%€279k▲ 12.5%
Equity€22k-€3k▼ 85.6%€5k▲ 62.6%€11k▲ 115%€5k▼ 55.3%
Operating result€24k-€-10k€16k€30k▲ 83.2%€54k▲ 81.2%
Net result€17k-€-19k€2k€6k▲ 199%€24k▲ 306%
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 81% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €200k
Fixed assets
€65k▼ 14.9%
Current assets
€136k▲ 5.4%
Equity and liabilities €200k
Equity
€5k▼ 55.3%
Debt
€195k▲ 1.0%
The debt ratio rises from 94.5% to 97.5%: debt grows while equity shrinks.
Key figures and ratios
Solvency
2.5%▼
2024 · 5.5%
ROE
486.0%▲
2024 · 53.5%
ROA
12.1%▲
2024 · 2.9%
Debt
€195k▲
2024 · €194k
Debt ≤ 1 year
€153k▲
2024 · €140k
Debt > 1 year
€42k▼
2024 · €53k
Income taxes
€13k▲
2024 · €9k
Staff costs
€60k▲
2024 · €58k
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€205k€200k▼
Fixed assets21/28€76k€65k▼
Tangible fixed assets22/27€76k€65k▼
Furniture and vehicles24€1k€631▼
Other tangible fixed assets26€75k€64k▼
Current assets29/58€129k€136k▲
Amounts receivable within one year40/41€123k€134k▲
Trade receivables40€26k€27k▲
Other amounts receivable41€97k€107k▲
Cash at bank and in hand54/58€4k€46▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€205k€200k▼
Equity10/15€11k€5k▼
Contributions10/11€5k€5k=
Reserves13€15k€0▼
Distributable reserves133€15k€0▼
Profit (loss) carried forward14€-9k€0▲
Amounts payable17/49€194k€195k▲
Amounts payable after more than one year17€53k€42k▼
Financial debts170/4€53k€42k▼
Amounts payable within one year42/48€140k€153k▲
Current portion of amounts payable after more than one year42€25k€20k▼
Financial debts43€87k€90k▲
Credit institutions430/8€87k€90k▲
Trade debts44€9k€9k▲
Suppliers440/4€9k€9k▲
Taxes, remuneration and social security45€20k€35k▲
Taxes450/3€11k€25k▲
Remuneration and social security454/9€9k€10k▲
Other amounts payable47/48€0€0=
Income statement
Code20242025
Turnover70€248k€279k▲
Goods, raw materials, services and sundry goods60/61€169k€180k▲
Remuneration, social security and pensions62€58k€60k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€11k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€104k€127k▲
Operating profit (loss)9901€30k€54k▲
Financial income75/76B€1€31▲
Recurring financial income75€1€31▲
Financial charges65/66B€15k€17k▲
Recurring financial charges65€15k€16k▲
Non-recurring financial charges66B-€731
Profit (loss) for the period before taxes9903€15k€37k▲
Income taxes67/77€9k€13k▲
Profit (loss) for the period9904€6k€24k▲
Profit (loss) for the period to be appropriated9905€6k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€15k▲
Profit (loss) brought forward from the previous period14P€-15k€-9k▲
Transfer from equity791/2-€15k
Profit to be distributed694/7-€30k
Directors or managers695-€30k
The notes to these accounts (6 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
07-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €24k ▲306%
Operating result €54k, net result €24k, both a record.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
07-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-19k ▼210%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
22-04
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
1 act for this company is 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, Philippeville · 1 establishment unit since 2021
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.
Petite-Suisse(VEF) 205600 PhilippevilleGround area
1,664 m²
Building footprint
234 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue de Gilly 174, 6010 Charleroi
since 20212.320.850.209
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93083A0013/00Y006 | Wallonia | 1,331 m² | 1 · 135 m² | - |
| 52014B0173/00N002 | Wallonia | 332 m² | 1 · 99 m² | - |
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.
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assurLanDa
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Of 4,668 companies in sector 66220 we hold annual accounts for 3,216. 577 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-06-2021
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.