ROUMANI
ActiveSummary
ROUMANI has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €131,955 and a net result of €15,913. Equity is growing by ~15.5% per year across the filed fiscal years. Its solvency ranks better than 72% of 26049 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability50▼-3
Solvency83▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9,000 at 30 days acceptable
Liquidity ample (current ratio 2.84 against 2.44 in 2023; short-term debt: 29.8% and cash: 32.9% of total assets), and 41.7% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-08-2025, 27 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
not confirmed
2024
27 d late
2023
6 d early
2022
31 d late
2021
30 d late
2020
8 d early
2019
115 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 32 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€131,955▲ 13.7%
2023 · €116,042
Total assets
€226,181▼ 2.7%
2023 · €232,572
Net result
€15,913▼ 18.4%
2023 · €19,509
Working capital
€124,455▲ 11.5%
2023 · €111,660
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, 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
Operating result€19,050▲ 39.3%€16,747▼ 12.1%€33,464▲ 99.8%€46,496▲ 38.9%€47,352▲ 1.8%
Net result€9,221within the sector's middle half▲ 142%€7,633within the sector's middle half▼ 17.2%€12,043within the sector's middle half▲ 57.8%€19,509within the sector's middle half▲ 62.0%€15,913within the sector's middle half▼ 18.4%
Equity€76,858within the sector's middle half▲ 22.5%€84,490within the sector's middle half▲ 9.9%€96,533within the sector's middle half▲ 14.3%€116,042within the sector's middle half▲ 20.2%€131,955above the sector's middle half▲ 13.7%
Total assets€170,000within the sector's middle half▲ 1.9%€169,565within the sector's middle half▼ 0.3%€192,694within the sector's middle half▲ 13.6%€232,572within the sector's middle half▲ 20.7%€226,181within the sector's middle half▼ 2.7%
Debt€93,142▼ 10.6%€85,075▼ 8.7%€96,161▲ 13.0%€116,530▲ 21.2%€94,226▼ 19.1%
Working capital€87,783above the sector's middle half▲ 5.3%€116,340above the sector's middle half▲ 32.5%€116,415above the sector's middle half▲ 0.1%€111,660above the sector's middle half▼ 4.1%€124,455above the sector's middle half▲ 11.5%
Solvency45.2%within the sector's middle half▲ 7.6pp49.8%within the sector's middle half▲ 4.6pp50.1%within the sector's middle half▲ 0.3pp49.9%within the sector's middle half▼ 0.2pp58.3%within the sector's middle half▲ 8.4pp
Current ratio2.21within the sector's middle half=3.41above the sector's middle half▲ 1.202.63within the sector's middle half▼ 0.782.44within the sector's middle half▼ 0.192.84above the sector's middle half▲ 0.40
Return on assets (ROA)5.4%within the sector's middle half▲ 3.1pp4.5%within the sector's middle half▼ 0.9pp6.2%within the sector's middle half▲ 1.7pp8.4%within the sector's middle half▲ 2.1pp7.0%within the sector's middle half▼ 1.4pp
Staff (FTE)0.7below the sector's middle half=2.9▲ 314%2.71.8▼ 33.3%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 2% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €226,181
Fixed assets
€34,223 ▼ 21.1%
Current assets
€191,958 ▲ 1.4%
Equity and liabilities €226,181
Equity
€131,955 ▲ 13.7%
Debt
€94,226 ▼ 19.1%
Debt's share of the balance-sheet total falls from 50.1% to 41.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€56,484▲
2023 · €53,801
Cash flow
€25,045▼
2023 · €26,815
Quick ratio
1.82▲
2023 · 1.63
Debt to equity
0.71▼
2023 · 1.00
ROE
12.1%▼
2023 · 16.8%
Interest coverage
2.65▼
2023 · 2.82
Debt ≤ 1 year
€67,503▼
2023 · €77,557
Debt > 1 year
€26,723▼
2023 · €38,973
Income taxes
€10,087▲
2023 · €7,887
Staff costs
€50,015▲
2023 · €49,577
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: 0.8% 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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €10,037 | €18,793 | €49,577 | €50,015 | ▲ 0.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,926 | €4,926 | €0 | €7,306 | €9,132 | ▲ 25.0% |
| Other operating charges640/8 | - | €409 | €683 | €1,161 | €518 | ▼ 55.4% |
| Gross operating margin9900 | €26,842 | €32,119 | €52,941 | €104,539 | €107,017 | ▲ 2.4% |
| Operating profit (loss)9901 | €19,050 | €16,747 | €33,464 | €46,496 | €47,352 | ▲ 1.8% |
| Financial income75/76B | - | - | €0 | €2 | €0 | ▼ 100% |
| Recurring financial income75 | - | - | €0 | €2 | €0 | ▼ 100% |
| Financial charges65/66B | - | €4,652 | €16,402 | €19,102 | €21,352 | ▲ 11.8% |
| Recurring financial charges65 | €5,860 | €4,652 | €16,402 | €19,102 | €21,352 | ▲ 11.8% |
| Profit (loss) for the period before taxes9903 | €13,190 | €12,095 | €17,062 | €27,396 | €25,999 | ▼ 5.1% |
| Income taxes67/77 | €3,969 | €4,463 | €5,020 | €7,887 | €10,087 | ▲ 27.9% |
| Profit (loss) for the period9904 | €9,221 | €7,633 | €12,043 | €19,509 | €15,913 | ▼ 18.4% |
| Profit (loss) for the period to be appropriated9905 | €9,221 | €7,633 | €12,043 | €19,509 | €15,913 | ▼ 18.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €170,000 | €169,565 | €192,694 | €232,572 | €226,181 | ▼ 2.7% |
| Fixed assets21/28 | €9,926 | €5,000 | €5,000 | €43,355 | €34,223 | ▼ 21.1% |
| Tangible fixed assets22/27 | €4,926 | €0 | - | €38,355 | €29,223 | ▼ 23.8% |
| Furniture and vehicles24 | - | €0 | - | €38,355 | €29,223 | ▼ 23.8% |
| Financial fixed assets28 | €5,000 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Current assets29/58 | €160,074 | €164,565 | €187,694 | €189,217 | €191,958 | ▲ 1.4% |
| Stocks and contracts in progress3 | €30,895 | €47,540 | €75,100 | €63,147 | €68,776 | ▲ 8.9% |
| Stocks30/36 | - | €47,540 | €75,100 | €63,147 | €68,776 | ▲ 8.9% |
| Amounts receivable within one year40/41 | €28,771 | €23,577 | €28,325 | €26,836 | €28,351 | ▲ 5.6% |
| Trade receivables40 | - | €0 | €4,021 | €3,912 | €3,955 | ▲ 1.1% |
| Other amounts receivable41 | - | €23,577 | €24,304 | €22,924 | €24,396 | ▲ 6.4% |
| Cash at bank and in hand54/58 | €99,650 | €92,696 | €83,787 | €97,647 | €74,406 | ▼ 23.8% |
| Deferred charges and accrued income490/1 | - | €752 | €481 | €1,586 | €20,425 | ▲ 1,187% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €170,000 | €169,565 | €192,694 | €232,572 | €226,181 | ▼ 2.7% |
| Equity10/15 | €76,858 | €84,490 | €96,533 | €116,042 | €131,955 | ▲ 13.7% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €58,258 | €65,890 | €77,933 | €97,442 | €113,355 | ▲ 16.3% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | - | €64,030 | €76,073 | €95,582 | €111,495 | ▲ 16.6% |
| Amounts payable17/49 | €93,142 | €85,075 | €96,161 | €116,530 | €94,226 | ▼ 19.1% |
| Amounts payable after more than one year17 | €20,051 | €36,850 | €24,882 | €38,973 | €26,723 | ▼ 31.4% |
| Financial debts170/4 | - | €36,850 | €24,882 | €38,973 | €26,723 | ▼ 31.4% |
| Amounts payable within one year42/48 | €72,292 | €48,225 | €71,279 | €77,557 | €67,503 | ▼ 13.0% |
| Current portion of amounts payable after more than one year42 | - | €11,567 | €11,967 | €15,095 | €12,250 | ▼ 18.8% |
| Financial debts43 | - | €0 | €9,090 | €0 | - | - |
| Credit institutions430/8 | - | €0 | €9,090 | €0 | - | - |
| Trade debts44 | €25,348 | €23,691 | €32,734 | €44,844 | €29,549 | ▼ 34.1% |
| Suppliers440/4 | - | €23,691 | €32,734 | €44,844 | €29,549 | ▼ 34.1% |
| Taxes, remuneration and social security45 | - | €12,967 | €17,488 | €17,618 | €25,703 | ▲ 45.9% |
| Taxes450/3 | - | €9,640 | €11,693 | €7,887 | €12,281 | ▲ 55.7% |
| Remuneration and social security454/9 | - | €3,327 | €5,795 | €9,731 | €13,422 | ▲ 37.9% |
| Accrued charges and deferred income492/3 | - | €0 | - | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €9,221 | €7,633 | €12,043 | €19,509 | €15,913 | ▼ 18.4% |
| + Depreciation and write-downs630 | €4,926 | €4,926 | €0 | €7,306 | €9,132 | ▲ 25.0% |
| Operating cash flow (approximation) | €14,147 | €12,559 | €12,043 | €26,815 | €25,045 | ▼ 6.6% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€45,661 | €0 | ▲ 100% |
| Change in cash | - | -€6,953 | -€8,909 | €13,860 | -€23,241 | ▼ 268% |
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
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €19,509 ▲62%
Net result €19,509, the highest in the series.
31-12
Financial
Equity above €100,000Eq €116,042 ▲20.2%
6 profitable years in a row build equity to €116,042.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 115 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Londerzeel · 1 establishment unit since 2014
Ground area
1,640 m²
Building footprint
196 m²
Volume, LiDAR
991 m³
2 parcels, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Lukoil
since 20142.226.027.264
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23045E0298/00H000 | Flanders | 894 m² | 1 · 71 m² | 8.6 m · 2 fl. |
| 23045D0382/00K000 | Flanders | 746 m² | 1 · 125 m² | 7.8 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLonderzeel2.226.027.264
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BEST POINT
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Of 10,510 companies in sector 47110 we hold annual accounts for 5,854. 4,523 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
Founded13-01-2014
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
47300Retail sale of automotive fuel
47260Retail trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0544334702
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.