ROPA 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 €598k and a net result of €-18k. Equity is growing by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 56% of 7980 sector peers (fiscal year 2025). The company has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
29 d late
2023
1 d early
2022
35 d early
2021
34 d early
2020
23 d late
2019
14 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€598k▼ 2.9%
2024 · €616k
2018: €378k
2019: €472k
2020: €472k
2021: €520k
2022: €579k
2023: €602k
2024: €616k
2018 → 2025
Net result
€-18k
2024 · €14k
2018: €67k
2019: €94k
2020: €512
2021: €47k
2022: €59k
2023: €23k
2024: €14k
2018 → 2025
Total assets
€1.02M▲ 0.1%
2024 · €1.02M
2018: €719k
2019: €840k
2020: €847k
2021: €908k
2022: €977k
2023: €999k
2024: €1.02M
2018 → 2025
Solvency
58.7%▼ 1.8pp
2024 · 60.5%
2018: 52.6%
2019: 56.2%
2020: 55.8%
2021: 57.2%
2022: 59.3%
2023: 60.3%
2024: 60.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€17k€87k▲ 423%
Equity€520k-€579k▲ 11.4%€602k▲ 4.0%€616k▲ 2.4%€598k▼ 2.9%
Operating result€37k-€26k▼ 30.7%€16k▼ 37.3%€11k▼ 34.3%€9k▼ 15.6%
Net result€47k-€59k▲ 25.1%€23k▼ 60.9%€14k▼ 38.7%€-18k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 16% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.02M
Fixed assets
€552k▼ 1.1%
Current assets
€468k▲ 1.7%
Equity and liabilities €1.02M
Equity
€598k▼ 2.9%
Debt
€422k▲ 4.8%
The debt ratio rises from 39.5% to 41.3%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
58.7%▼
2024 · 60.5%
ROE
-3.0%▼
2024 · 2.3%
ROA
-1.8%▼
2024 · 1.4%
Debt
€422k▲
2024 · €402k
Debt ≤ 1 year
€362k▲
2024 · €340k
Debt > 1 year
€60k▼
2024 · €62k
Staff costs
€3k▲
2024 · €3k
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€1.02M€1.02M▲
Fixed assets21/28€558k€552k▼
Tangible fixed assets22/27€8k€2k▼
Furniture and vehicles24€8k€2k▼
Financial fixed assets28€550k€550k=
Current assets29/58€460k€468k▲
Amounts receivable within one year40/41€74k€94k▲
Trade receivables40€74k€94k▲
Cash at bank and in hand54/58€384k€371k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.02M€1.02M▲
Equity10/15€616k€598k▼
Contributions10/11€43k€43k=
Reserves13€573k€555k▼
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Distributable reserves133€568k€550k▼
Amounts payable17/49€402k€422k▲
Amounts payable after more than one year17€62k€60k▼
Financial debts170/4€62k€60k▼
Amounts payable within one year42/48€340k€362k▲
Current portion of amounts payable after more than one year42€7k€2k▼
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€12k€28k▲
Taxes450/3€12k€28k▲
Remuneration and social security454/9€154-
Other amounts payable47/48€318k€329k▲
Income statement
Code20242025
Turnover70€17k€87k▲
Goods, raw materials, services and sundry goods60/61€148k€85k▼
Remuneration, social security and pensions62€3k€3k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k=
Other operating charges640/8€250€295▲
Gross operating margin9900€20k€19k▼
Operating profit (loss)9901€11k€9k▼
Financial income75/76B€19k€11k▼
Recurring financial income75€19k€11k▼
Non-recurring financial income76B€19k€11k▼
Financial charges65/66B€15k€38k▲
Recurring financial charges65€15k€38k▲
Profit (loss) for the period before taxes9903€14k€-18k▼
Profit (loss) for the period9904€14k€-18k▼
Profit (loss) for the period to be appropriated9905€14k€-18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€-18k▼
Transfer from equity791/2-€18k
Transfer to equity691/2€14k-
To other reserves6921€14k-
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €-18k ▼227%
Net result drops to €-18k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €500kEq €520k ▲10%
4 profitable years in a row build equity to €520k.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2019
31-12
Financial
Highest result since 2018net €94k ▲40.7%
Net result €94k, the highest in the series.
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Zonhoven · 1 establishment unit since 1992
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.
Senator A. Jeurissenlaan 12353520 ZonhovenGround area
4,592 m²
Building footprint
2,852 m²
Parcel 71442C1086/00G000, Flanders. Linked by address, not a title deed.
1 establishment unit
ROPA BVBA
since 19922.058.385.629
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71442C1086/00G000indicative | Flanders | 4,592 m² | 1 · 2,852 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
DELANGHE PROPERTIES
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3oLAN Concept
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PIETER MORTIER
BE 0880.082.780
Aalter · Eq €599k
HANNES BOONE
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Lichtervelde · Eq €597k
JOIS
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Oudenaarde · Eq €599k
Of 24,725 companies in sector 64210 we hold annual accounts for 19,747. 13,482 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-04-1992
Fiscal year end31-12
Activities, NACEBEL
45310
64200Holdings
64210Activities of holding companies
43211General electrical installation work
43320Joinery installation
43350Other building finishing work
45422
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.