RoWa Invest is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €20k and a net result of €133. Its solvency ranks better than 9% of 9864 sector peers (fiscal year 2024). The company has been active since 2023 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
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 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 · 1 filingDeviation from the deadline
2024
28 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€20k
Net result
€133
Total assets
€979k
Solvency
2.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €970k
Fixed assets
€904k
Current assets
€66k
Equity and liabilities €979k
Equity
€20k
Debt
€958k
Debt finances 97.9% of the balance-sheet total.
Key figures and ratios
Solvency
2.1%
ROE
0.7%
ROA
0.0%
Debt
€958k
Debt ≤ 1 year
€71k
Debt > 1 year
€887k
Filed annual accounts
As filed with the NBB · 2024
Balance sheet
Code2024
Assets
Total assets20/58€979k
Formation expenses20€9k
Fixed assets21/28€904k
Tangible fixed assets22/27€4k
Other tangible fixed assets26€4k
Financial fixed assets28€900k
Current assets29/58€66k
Amounts receivable within one year40/41€24k
Trade receivables40€24k
Cash at bank and in hand54/58€42k
Equity and liabilities
Total equity and liabilities10/49€979k
Equity10/15€20k
Contributions10/11€20k
Profit (loss) carried forward14€133
Amounts payable17/49€958k
Amounts payable after more than one year17€887k
Financial debts170/4€887k
Amounts payable within one year42/48€71k
Current portion of amounts payable after more than one year42€63k
Trade debts44€2k
Suppliers440/4€2k
Taxes, remuneration and social security45€5k
Taxes450/3€5k
Income statement
Code2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k
Gross operating margin9900€28k
Operating profit (loss)9901€25k
Financial charges65/66B€25k
Recurring financial charges65€25k
Profit (loss) for the period before taxes9903€133
Profit (loss) for the period9904€133
Profit (loss) for the period to be appropriated9905€133
Appropriation of the result
Profit (loss) to be appropriated9906€133
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
NBB filing
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, Lubbeek · 1 establishment unit since 2023
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.
Dunberg(LUB) 213210 LubbeekGround area
2,088 m²
Building footprint
164 m²
Volume, LiDAR
979 m³
Parcel 24066C0397/00E000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RoWa Invest
since 20232.348.214.996
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24066C0397/00E000 | Flanders | 2,088 m² | 1 · 164 m² | 8.5 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.
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 7,401 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-08-2023
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress 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.