Equity
€50,362 from €127,174 in 2022
Equity fell by 60% in 3 years.
ROMICA
Lifetime
20 annual accounts with figures on one time axis, 21 filings since 2005peak €73,212 (2020)
-€9,286▲ €399
lowest -€31,148 (2025)
-€31,148▼ €5,401
peak €127,174 (2022)
€50,362▼ 38.2%
€46,167▼ 29.9%
Board1 name since 2004
-
Documentsfilings and deeds
14-10-202675 days late
2025micro format
Loss of €31,148Equity from €81,510 to €50,362Debts from €65,880 to €46,167Cash from €54,295 to €30,490
Key points
from the 2025 annual accountsLosses
-€66,096 in three years
Every financial year from 2023 to 2025 closed with a loss. 2025 was the heaviest.
Filings
21 annual accounts 75 days
Latest accounts filed late: after the legal deadline.
Turnover not published (micro format)
Checked score
82
Excellent
Financially stronger than 43% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,627 companies (NACE 68, micro).
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024lowest value
02-2025: 0.1%● unchanged vs 01-2025lowest value
03-2025: 0.1%● unchanged vs 02-2025lowest value
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.2%▲ +0.1 percentage points vs 06-2026
08-2026: 0.3%▲ +0.1 percentage points vs 07-2026
09-2026: 0.3%● unchanged vs 08-2026
10-2026: 0.5%▲ +0.2 percentage points vs 09-2026highest value
11-2026: 0.5%● unchanged vs 10-2026highest value
Financial strengthAverage
Score breakdown
raises risk
Last filed accounts filed 75 days late; 1 of the last 3 accounts late
Loss of €31,148, the second in a row (financial year 2025)
lowers risk
Liquidity: current ratio 1.38, cash €30,490
Size: total assets €96,529
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 (NACE 68, micro). It does better than 66% of them on solvency, 86% on liquidity, 4% on profitability and 14% 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, 5,831 companies had the same profile as ROMICA has now. Each dot stands for 15 companies, two years later.
84.5%
were still trading
13.4%
stopped another way
1.7%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of ROMICA itself: 0.5% within 12 months.
Test of the method
The method was tested on the 497,448 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 5,831 companies, not a prediction for ROMICA. 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 €4,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.38 (2.78 in 2024), below the usual 1.5. Short-term debt is 24.1% and cash 31.6% of total assets. 47.8% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€31,148
raises risk · 2025 accounts filed 75 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-10-2026, 75 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
75 days late
2024
36 days early
2023
1 day late
2022
8 days late
2021
30 days late
2020
1 day early
2019
96 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 25 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed 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 8 August (4 of the last 5 accounts filed within 44 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
last known board- DE BEULE Carl Petrus Ernestine all the sharesdeed of 12-10-2023
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0864711943
Resignation: DE BEULE Carl Petrus Ernestine (director)
Reappointment: DE BEULE Carl Petrus Ernestine (director) · DE BEULE Carl Petrus Ernestine holds all the shares · Name clause: ROMICA · Gazette deed
Registered office moved within Sterrebeek
New registered office: Voskapelstraat 1 bus 011-1933 Sterrebeek · Previous registered office: Voskapelstraat 1 bus 014-1933 Sterrebeek · Board meeting of 01-05-2020 · Gazette deed
Incorporation
published on 23-04-2004 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ROMICA Zaventem | €96,529 | -€9,286 | 52.2% | - |
| GROEP REMANS Leuven | €128,397 | -€3,729 | 21.7% | - |
| REGAL INVESTMENTS II Antwerp | €98,597 | -€2,090 | 99.6% | - |
| HP INVEST Ixelles | €80,408 | -€6,259 | -22.4% | - |
| IMMO DLM Charleroi | €115,158 | -€655 | 94.1% | - |
| BATIWALL Charleroi | €108,394 | -€294 | 75.6% | - |
| HVH INVEST GROUP II Heusden-Zolder | €78,481 | -€5,861 | 89.6% | - |
These companies have the same main activity as ROMICA: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €78,500 and €128,000, founded between 2003 and 2006.
Official details
Source: KBO- Status
- Active since 14-04-2004Normal situation
- Activity
- Development of residential building projectsNACE 68121and 2 others
- Establishment unit
- 2.139.156.5391933 Zaventem, since 14-04-2004
- Financial year end
- 31 December
- Peppol
- Reachable since 14-10-2025
Insights on ROMICA
ROMICA files the micro format. That format states no turnover. The gross margin fell from €57,751 in 2006 to -€9,286 in 2025.
The balance sheet grew most from 2007 to 2008 through fixed assets.
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 ROMICA
- What is the company number of ROMICA?
- The company number of ROMICA is 0864.711.943. The VAT number is the same number with BE in front: BE 0864.711.943.
- Where is ROMICA based?
- The registered office is at Voskapelstraat 1, 1933 Zaventem.Company details
- What does ROMICA do?
- According to the KBO register, the main activity is development of residential building projects (NACE 68121).
- What is the legal form of ROMICA?
- ROMICA is a private limited company (BV).
- When was ROMICA founded?
- ROMICA was founded on 14-04-2004.
- Is ROMICA still active?
- Yes, ROMICA is an active enterprise in the KBO register.
- What is the turnover of ROMICA?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is ROMICA profitable?
- In financial year 2025, ROMICA made a loss of €31,148.
- Where can I find the annual accounts of ROMICA?
- ROMICA filed 21 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of ROMICA due?
- ROMICA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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