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ROUARD

Active
Private limited companyfounded 198838 yrs activeChaussée de Louvain(BU) 382, 5004 Namur, BelgiumKBO/BCE: BE 0434.741.231
Summary

ROUARD has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €300,346 and a net result of €23,417. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 95% of 883 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).

Risk analysisWatch ReportCompare
ROUARDActiveChecked score 86/100
Risk analysis ReportCompare

Overview

What they do
Artisanal bread and fresh pastry making
NACE 10712NACE 15812
1 site
How big
€304,533total assets 2025
Equity
€300,346
Profit
€23,417
Financially healthy?
86 Excellent Checked score 2025
Bankruptcy chance 12 m
0.5%
Who decides
Largest shareholder
FT INITIALS · 37.78%
Holdings
1
Accounts 23 d early1 of 3 deeds read
Why 86- Higher-failure-rate sector- Higher-failure-rate region+ Long track record+ Annual accounts: healthy financial profile+ Growing equityLatest accounts filed on timeShow the evidence

Checked score

Score 2025
86 / 100
Excellent
Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+4
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 57.74; short-term debt: 1.4% and cash: 29% of total assets), and 1.4% of the assets are financed with debt.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 38 years 0 40 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 10
Relative position
BE, all sectors
reference
Manufacture of food products (NACE 10)
about 60% more bankruptcies
← fewer bankruptcies more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
98.6%
Return on assets
7.7%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €300,346
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
23 d early
2024
21 d early
2023
16 d early
2022
26 d early
2021
26 d early
2020
22 d early
2019
91 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 6 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 8 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Resignation: VAN DEN BROUCKE Myriam (director)Director discharge · Power of…
  2. Annual accounts filedfiscal year 2025 · abbreviated…
  3. Highest result since 2018net €23,417 ▲85.4%

Key points

  • Positive: Among the best 5% on solvencysector median 32.9% · 883 companies 98.6% View
  • Positive: Always filed on timeaccounts within the deadline every year 6 years View
  • A director leftlatest change 21-08-2026 · 0 in office 1 left View

By topic

Financials

Fiscal year
2025
Total assets
€304,533
Profit
€23,417
Solvency
98.6%
Total assets▲ 9.7%
Net result
20182025
Go to Financials

Timeline

Events
16
Since
2017
Next accounts
by 31-07-2027
  1. 21-08-2026Resignation: VAN DEN BROUCKE Myriam (director)
  2. 08-07-2026Annual accounts filed
  3. 31-12-2025Highest result since 2018
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Artisanal bread and fresh pastry makingNACE 10712
Founded
07-07-1988
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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