ROVAN 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 €84k and a net result of €2k. Equity is growing by ~17.3% per year across the filed fiscal years. Its solvency ranks better than 25% of 7980 sector peers (fiscal year 2025). The company has been active since 2013 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
18 d early
2022
13 d early
2021
31 d early
2020
40 d early
2019
8 d early
← 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
€84k▲ 2.9%
2024 · €82k
2018: €17k
2019: €32k
2020: €46k
2021: €58k
2022: €71k
2023: €81k
2024: €82k
2018 → 2025
Net result
€2k▼ 9.0%
2024 · €3k
2018: €8k
2019: €19k
2020: €17k
2021: €14k
2022: €17k
2023: €10k
2024: €3k
2018 → 2025
Total assets
€397k▼ 4.5%
2024 · €416k
2018: €328k
2019: €341k
2020: €350k
2021: €350k
2022: €358k
2023: €361k
2024: €416k
2018 → 2025
Solvency
21.2%▲ 1.5pp
2024 · 19.7%
2018: 5.3%
2019: 9.4%
2020: 13.1%
2021: 16.5%
2022: 19.9%
2023: 22.4%
2024: 19.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€58k-€71k▲ 23.9%€81k▲ 13.3%€82k▲ 1.1%€84k▲ 2.9%
Operating result€18k-€20k▲ 15.6%€12k▼ 40.2%€3k▼ 72.7%€6k▲ 84.5%
Net result€14k-€17k▲ 21.3%€10k▼ 43.2%€3k▼ 72.9%€2k▼ 9.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 85% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €397k
Fixed assets
€282k▼ 1.1%
Current assets
€115k▼ 11.7%
Equity and liabilities €397k
Equity
€84k▲ 2.9%
Debt
€313k▼ 6.2%
The debt ratio falls from 80.3% to 78.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
21.2%▲
2024 · 19.7%
ROE
2.8%▼
2024 · 3.2%
ROA
0.6%▼
2024 · 0.6%
Debt
€313k▼
2024 · €334k
Debt ≤ 1 year
€237k▼
2024 · €246k
Debt > 1 year
€76k▼
2024 · €88k
Income taxes
€2k▲
2024 · €645
Staff costs
€0▼
2024 · €490
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€416k€397k▼
Fixed assets21/28€286k€282k▼
Tangible fixed assets22/27€286k€282k▼
Land and buildings22€265k€264k▼
Plant, machinery and equipment23€20k€18k▼
Current assets29/58€130k€115k▼
Amounts receivable within one year40/41€51k€61k▲
Trade receivables40€19k€25k▲
Other amounts receivable41€33k€36k▲
Cash at bank and in hand54/58€79k€54k▼
Equity and liabilities
Total equity and liabilities10/49€416k€397k▼
Equity10/15€82k€84k▲
Contributions10/11€6k€6k=
Reserves13€76k€78k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€76k€78k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€334k€313k▼
Amounts payable after more than one year17€88k€76k▼
Financial debts170/4€88k€76k▼
Amounts payable within one year42/48€246k€237k▼
Current portion of amounts payable after more than one year42-€12k
Financial debts43€12k€0▼
Credit institutions430/8€12k€0▼
Trade debts44€10k€0▼
Suppliers440/4€10k€0▼
Taxes, remuneration and social security45€915€3k▲
Taxes450/3€915€3k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€223k€222k▼
Income statement
Code20242025
Non-recurring operating income76A€19k€0▼
Remuneration, social security and pensions62€490€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€12k▲
Other operating charges640/8€20k€2k▼
Gross operating margin9900€31k€20k▼
Operating profit (loss)9901€3k€6k▲
Financial income75/76B€1k€1k▼
Recurring financial income75€1k€1k▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€3k€4k▲
Income taxes67/77€645€2k▲
Profit (loss) for the period9904€3k€2k▼
Profit (loss) for the period to be appropriated9905€3k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€2k▼
Transfer from equity791/2€2k€0▼
Transfer to equity691/2€3k€2k▼
To other reserves6921€3k€2k▼
Profit to be distributed694/7€2k€0▼
Return on contributions (dividend)694€2k€0▼
The notes to these accounts (7 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 €2k ▼9%
Net result drops to €2k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
13-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €19k ▲151%
Operating result €24k, net result €19k, both a record.
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-06
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
1 act for this company is 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, Anzegem · 1 establishment unit since 2014
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.
Vichtsesteenweg 478570 AnzegemGround area
5,038 m²
Building footprint
109 m²
Volume, LiDAR
386 m³
Parcel 34002F0505/00E000, Flanders · tallest building 6.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
ROVAN
since 20142.225.882.160
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34002F0505/00E000 | Flanders | 5,038 m² | 1 · 109 m² | 6.9 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,747. 11,902 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-10-2013
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
46190Agents in non-specialised wholesale trade
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
68110Buying and selling of own real estate
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.