Summary
ROVE CONSTRUCT 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 €217k and a net result of €-2k. Equity is growing by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 41% of 8023 sector peers (fiscal year 2025). The company has been active since 2009 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
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
5 d early
2022
4 d early
2021
8 d early
2020
28 d late
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€217k▼ 0.9%
2024 · €219k
2018: €68k
2019: €63k
2021: €218k
2022: €232k
2023: €233k
2024: €219k
2018 → 2025
Net result
€-2k▲ 81.7%
2024 · €-10k
2018: €-1k
2019: €-5k
2021: €20k
2022: €14k
2023: €2k
2024: €-10k
2018 → 2025
Total assets
€544k▲ 5.4%
2024 · €516k
2018: €338k
2019: €311k
2021: €550k
2022: €518k
2023: €521k
2024: €516k
2018 → 2025
Solvency
39.8%▼ 2.5pp
2024 · 42.3%
2018: 20.0%
2019: 20.1%
2021: 39.6%
2022: 44.8%
2023: 44.8%
2024: 42.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€218k-€232k▲ 6.5%€233k▲ 0.7%€219k▼ 6.4%€217k▼ 0.9%
Operating result€37k-€35k▼ 6.0%€14k▼ 58.0%€3k▼ 79.1%€4k▲ 40.5%
Net result€20k-€14k▼ 29.8%€2k▼ 88.8%€-10k€-2k▲ 81.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 40% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €544k
Fixed assets
€519k ▲ 5.4%
Current assets
€25k ▲ 4.2%
Equity and liabilities €544k
Equity
€217k ▼ 0.9%
Debt
€327k ▲ 10.0%
Debt's share of the balance-sheet total rises from 57.7% to 60.2%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-0.9%▲
2024 · -4.7%
ROA
-0.3%▲
2024 · -2.0%
Debt ≤ 1 year
€218k▲
2024 · €148k
Debt > 1 year
€107k▼
2024 · €148k
Income taxes
€426▼
2024 · €485
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€516k€544k▲
Fixed assets21/28€492k€519k▲
Tangible fixed assets22/27€492k€519k▲
Land and buildings22€259k€238k▼
Plant, machinery and equipment23-€2k
Furniture and vehicles24€19k€106k▲
Leasing and similar rights25€63k€48k▼
Other tangible fixed assets26€151k€126k▼
Current assets29/58€24k€25k▲
Amounts receivable within one year40/41€11k€9k▼
Trade receivables40€9k€7k▼
Other amounts receivable41€2k€2k▼
Cash at bank and in hand54/58€6k€8k▲
Deferred charges and accrued income490/1€7k€8k▲
Equity and liabilities
Total equity and liabilities10/49€516k€544k▲
Equity10/15€219k€217k▼
Contributions10/11€34k€34k=
Revaluation surpluses12€31k€29k▼
Reserves13€154k€154k=
Distributable reserves133€154k€154k=
Amounts payable17/49€298k€327k▲
Amounts payable after more than one year17€148k€107k▼
Financial debts170/4€148k€107k▼
Amounts payable within one year42/48€148k€218k▲
Current portion of amounts payable after more than one year42€40k€41k▲
Trade debts44€7k€4k▼
Suppliers440/4€7k€4k▼
Taxes, remuneration and social security45€2k€165▼
Taxes450/3€2k€165▼
Other amounts payable47/48€100k€173k▲
Accrued charges and deferred income492/3€1k€2k▲
Income statement
Code20242025
Non-recurring operating income76A€5k€3k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€77k€83k▲
Other operating charges640/8€6k€5k▼
Non-recurring operating charges66A-€796
Gross operating margin9900€86k€93k▲
Operating profit (loss)9901€3k€4k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€13k€6k▼
Recurring financial charges65€13k€6k▼
Profit (loss) for the period before taxes9903€-10k€-1k▲
Income taxes67/77€485€426▼
Profit (loss) for the period9904€-10k€-2k▲
Profit (loss) for the period to be appropriated9905€-10k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-10k€-2k▲
Transfer from equity791/2€15k€2k▼
Profit to be distributed694/7€5k-
Return on contributions (dividend)694€5k-
The notes to these accounts (8 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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €-10k ▼746%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
25-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €20k
Net result €20k after 2 loss-making years.
30-09
Financial
Equity above €200kEq €218k ▲248%
Equity rises from €63k to €218k.
28-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 28 days late
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
15-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 15 days late
2017
28-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Bornem · 1 establishment unit since 2009
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.
Benedenstraat(BRA) 582880 BornemGround area
1,374 m²
Building footprint
166 m²
Volume, LiDAR
891 m³
Parcel 12362G0464/00G000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rove Construct
since 20092.177.446.892
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12362G0464/00G000 | Flanders | 1,374 m² | 1 · 166 m² | 8.2 m · 2 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.
Similar companies · same sector, comparable size
Wise Work
BE 0654.946.275
Mortsel · Eq €216,718
JVG Invest
BE 0774.446.614
Beveren-Kruibeke-Zwijndrecht · Eq €216,738
WAUTERS-MAUWS
BE 0826.067.044
Brakel · Eq €216,681
IGUAZU GREEN
BE 0400.859.428
Evergem · Eq €216,642
IACOVELLI AND PARTNERS
BE 0823.705.687
Elsene · Eq €216,801
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,552 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-03-2009
Fiscal year end30-09
Activities, NACEBEL 2025
64210Activities of holding companies
43320Joinery installation
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:Rottiers.wim@telenet.be