ROMY CONSTRUCT
ActiveSummary
ROMY CONSTRUCT has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €52,291 and a net result of €16,814. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 37% of 36380 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability83▲+56
Solvency60▲+2
Growth72▲+30
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,000 at 30 days only on tighter terms
Liquidity ample (current ratio 1.55 against 1.35 in 2023; short-term debt: 64.6% and cash: 6.9% of total assets), but 64.6% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
35.4%
Return on assets
11.4%
Age of the figures
21 mo
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €52,291
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-12-2025, 153 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
153 d late
2023
236 d late
2022
162 d late
2021
203 d late
2020
143 d late
2019
104 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 167 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Turnover
€288,548▲ 13.5%
2022 · €254,250
EBIT margin
-3.5%▼ 4.9pp
2022 · 1.4%
Net result
€16,814
2023 · -€11,385
Working capital
€52,148▲ 111%
2023 · €24,726
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction 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
Line20202021202220232024
Turnover€283,187▼ 1.1%€315,428▲ 11.4%€254,250▼ 19.4%€288,548▲ 13.5%
Operating result€10,537▼ 78.6%€1,705▼ 83.8%€3,513▲ 106%-€10,120€24,469
Net result€5,538within the sector's middle half▼ 84.9%-€3,455below the sector's middle half€104below the sector's middle half-€11,385below the sector's middle half€16,814within the sector's middle half
EBIT margin3.7%▼ 13.5pp0.5%▼ 3.2pp1.4%▲ 0.8pp-3.5%▼ 4.9pp
Equity€49,480within the sector's middle half▼ 15.0%€46,758within the sector's middle half▼ 5.5%€46,862within the sector's middle half▲ 0.2%€35,477within the sector's middle half▼ 24.3%€52,291within the sector's middle half▲ 47.4%
Total assets€132,904below the sector's middle half▼ 36.5%€125,505within the sector's middle half▼ 5.6%€116,775within the sector's middle half▼ 7.0%€106,500within the sector's middle half▼ 8.8%€147,568within the sector's middle half▲ 38.6%
Debt€82,050▼ 44.9%€78,107▼ 4.8%€69,913▼ 10.5%€71,023▲ 1.6%€95,277▲ 34.1%
Working capital€24,614▼ 23.3%€42,742▲ 73.6%€48,888▲ 14.4%€24,726▼ 49.4%€52,148▲ 111%
Solvency37.2%within the sector's middle half▲ 9.4pp37.3%within the sector's middle half=40.1%within the sector's middle half▲ 2.9pp33.3%within the sector's middle half▼ 6.8pp35.4%within the sector's middle half▲ 2.1pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €24,469 after a loss of €10,120 in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €147,568
Fixed assets
€143 ▼ 98.7%
Current assets
€147,425 ▲ 54.0%
Equity and liabilities €147,568
Equity
€52,291 ▲ 47.4%
Debt
€95,277 ▲ 34.1%
Debt's share of the balance-sheet total falls from 66.7% to 64.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€35,077▲
2023 · €3,202
Cash flow
€27,422▲
2023 · €1,937
Current ratio
1.55▲
2023 · 1.35
Debt to equity
1.82▼
2023 · 2.00
ROE
32.2%▲
2023 · -32.1%
ROA
11.4%▲
2023 · -10.7%
Interest coverage
21.34▲
2023 · 2.79
Debt ≤ 1 year
€95,277▲
2023 · €71,023
Income taxes
€6,011▲
2023 · €119
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,679 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.8%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 34,679 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €283,187 | €315,428 | €254,250 | €288,548 | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €294,492 | €232,184 | €284,865 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €18,448 | €19,143 | €18,446 | €13,322 | €10,608 | ▼ 20.4% |
| Other operating charges640/8 | - | €88 | €107 | €481 | €721 | ▲ 49.9% |
| Gross operating margin9900 | €29,429 | €20,936 | €22,066 | €3,683 | €35,798 | ▲ 872% |
| Operating profit (loss)9901 | €10,537 | €1,705 | €3,513 | -€10,120 | €24,469 | ▲ 342% |
| Financial income75/76B | - | €5 | €501 | - | - | - |
| Recurring financial income75 | €310 | €5 | €501 | - | - | - |
| Financial charges65/66B | - | €2,495 | €2,189 | €1,146 | €1,644 | ▲ 43.5% |
| Recurring financial charges65 | €1,422 | €2,495 | €2,189 | €1,146 | €1,644 | ▲ 43.5% |
| Profit (loss) for the period before taxes9903 | €9,425 | -€785 | €1,825 | -€11,266 | €22,825 | ▲ 303% |
| Transfer from deferred taxes780 | - | - | €640 | - | - | - |
| Income taxes67/77 | €4,621 | €2,670 | €2,361 | €119 | €6,011 | ▲ 4,951% |
| Profit (loss) for the period9904 | €5,538 | -€3,455 | €104 | -€11,385 | €16,814 | ▲ 248% |
| Transfer from tax-exempt reserves789 | - | €3,666 | €2,564 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €8,471 | €211 | €2,668 | -€11,385 | €16,814 | ▲ 248% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €132,904 | €125,505 | €116,775 | €106,500 | €147,568 | ▲ 38.6% |
| Fixed assets21/28 | €58,994 | €41,776 | €24,073 | €10,751 | €143 | ▼ 98.7% |
| Tangible fixed assets22/27 | €58,944 | €41,726 | €24,023 | €10,701 | €93 | ▼ 99.1% |
| Plant, machinery and equipment23 | - | €3,391 | €1,607 | €261 | €22 | ▼ 91.6% |
| Furniture and vehicles24 | - | €38,335 | €22,416 | €10,440 | €71 | ▼ 99.3% |
| Financial fixed assets28 | €50 | €50 | €50 | €50 | €50 | = |
| Current assets29/58 | €73,910 | €83,729 | €92,702 | €95,749 | €147,425 | ▲ 54.0% |
| Amounts receivable within one year40/41 | €65,954 | €43,813 | €62,612 | €60,372 | €115,980 | ▲ 92.1% |
| Trade receivables40 | - | €37,415 | €52,470 | €50,240 | €106,540 | ▲ 112% |
| Other amounts receivable41 | - | €6,398 | €10,142 | €10,132 | €9,440 | ▼ 6.8% |
| Cash at bank and in hand54/58 | €6,184 | €6,824 | €1,496 | €10,292 | €10,112 | ▼ 1.7% |
| Deferred charges and accrued income490/1 | - | €33,092 | €28,594 | €25,085 | €21,333 | ▼ 15.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €132,904 | €125,505 | €116,775 | €106,500 | €147,568 | ▲ 38.6% |
| Equity10/15 | €49,480 | €46,758 | €46,862 | €35,477 | €52,291 | ▲ 47.4% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €8,060 | €8,060 | = |
| Capital10 | - | €6,200 | €6,200 | - | - | - |
| Issued capital100 | - | €18,600 | €18,600 | - | - | - |
| Uncalled capital101 | - | €12,400 | €12,400 | - | - | - |
| Reserves13 | €7,357 | €4,424 | €1,860 | - | - | - |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | - | - | - |
| Legal reserve130 | - | €1,860 | €1,860 | - | - | - |
| Tax-exempt reserves132 | - | €2,564 | - | - | - | - |
| Profit (loss) carried forward14 | €35,923 | €36,134 | €38,802 | €27,417 | €44,231 | ▲ 61.3% |
| Provisions and deferred taxes16 | €1,374 | €640 | - | - | - | - |
| Deferred taxes168 | - | €640 | - | - | - | - |
| Amounts payable17/49 | €82,050 | €78,107 | €69,913 | €71,023 | €95,277 | ▲ 34.1% |
| Amounts payable after more than one year17 | €32,754 | €37,120 | €26,099 | - | - | - |
| Financial debts170/4 | - | €37,120 | €26,099 | - | - | - |
| Amounts payable within one year42/48 | €49,296 | €40,987 | €43,814 | €71,023 | €95,277 | ▲ 34.1% |
| Current portion of amounts payable after more than one year42 | - | €25,949 | €12,087 | €14,809 | - | - |
| Financial debts43 | - | - | - | €4,196 | €4,197 | = |
| Credit institutions430/8 | - | - | - | €4,196 | €4,197 | = |
| Trade debts44 | €12,222 | €2,524 | €16,969 | €41,062 | €39,351 | ▼ 4.2% |
| Suppliers440/4 | - | €2,524 | €16,969 | €41,062 | €39,351 | ▼ 4.2% |
| Advances received on contracts in progress46 | - | - | - | - | €47,600 | - |
| Taxes, remuneration and social security45 | - | €9,514 | €14,758 | €10,956 | €4,129 | ▼ 62.3% |
| Taxes450/3 | - | €4,027 | €1,093 | €10,956 | €4,129 | ▼ 62.3% |
| Remuneration and social security454/9 | - | €5,487 | €13,665 | - | - | - |
| Other amounts payable47/48 | - | €3,000 | - | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5,538 | -€3,455 | €104 | -€11,385 | €16,814 | ▲ 248% |
| + Depreciation and write-downs630 | €18,448 | €19,143 | €18,446 | €13,322 | €10,608 | ▼ 20.4% |
| Operating cash flow (approximation) | €23,986 | €15,688 | €18,550 | €1,937 | €27,422 | ▲ 1,316% |
| Investment in fixed assets (approximation) | - | -€1,925 | -€743 | €0 | €0 | - |
| Change in cash | - | €640 | -€5,328 | €8,796 | -€180 | ▼ 102% |
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
2025
31-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 153 days late
24-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 236 days late
2024
31-12
Financial
Back to profitnet €16,814
Net result €16,814 after one loss-making year.
09-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 162 days late
2023
31-12
Financial
Weakest financial yearnet -€11,385
Net result drops to -€11,385, the lowest in the series; recovery starts the following year.
19-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 203 days late
2022
31-12
Financial
Back to profitnet €104
Net result €104 after one loss-making year.
2021
21-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 143 days late
2020
12-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 104 days late
2019
31-12
Financial
Highest result since 2018net €36,678 ▲2,533%
Operating result €49,219, net result €36,678, both a record.
03-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 64 days late
2018
12-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 43 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 25 days late
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 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
7 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, Tubize · 1 establishment unit since 2010
Ground area
1,017 m²
Building footprint
170 m²
Volume, LiDAR
1,520 m³
2 parcels, Wallonia · tallest building 16.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ROMY CONSTRUCT
since 20102.190.226.445
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25019B0142/00B000 | Wallonia | 823 m² | 1 · 128 m² | 16.9 m · 3 fl. |
| 25105B0156/00L006 | Wallonia | 195 m² | 1 · 42 m² | 11.1 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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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Of 15,521 companies in sector 43990 we hold annual accounts for 7,423. 6,122 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
Founded06-07-2010
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0827565693
Also
9925:BE0827565693
Registered
05-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.