ROWIME
ActiveSummary
ROWIME has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €504,695 and a net result of €95,022. Equity is growing by ~15.6% per year across the filed fiscal years. Its solvency ranks better than 74% of 15369 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability87▼-4
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45,000 at 30 days acceptable
Liquidity ample (current ratio 7.18 against 7.86 in 2023; short-term debt: 12.9% and cash: 25.6% of total assets), and 21.8% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
78.2%
Return on assets
14.7%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-09-2025, 43 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
43 d late
2023
58 d late
2022
71 d late
2021
79 d late
2020
114 d late
2019
129 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 82 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€504,695▲ 13.4%
2023 · €445,091
Total assets
€645,654▲ 10.4%
2023 · €584,598
Net result
€95,022▼ 7.6%
2023 · €102,794
Working capital
€516,256▲ 13.0%
2023 · €456,939
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€87,862▲ 69.5%€99,578▲ 13.3%€93,645▼ 6.0%€135,258▲ 44.4%€126,582▼ 6.4%
Net result€65,412▲ 70.7%€74,643▲ 14.1%€68,719▼ 7.9%€102,794▲ 49.6%€95,022▼ 7.6%
Equity€290,450▲ 29.1%€338,740▲ 16.6%€361,244▲ 6.6%€445,091▲ 23.2%€504,695▲ 13.4%
Total assets€366,347▲ 20.5%€420,576▲ 14.8%€442,272▲ 5.2%€584,598▲ 32.2%€645,654▲ 10.4%
Debt€54,757▼ 27.2%€62,553▲ 14.2%€64,202▲ 2.6%€125,139▲ 94.9%€129,048▲ 3.1%
Working capital€289,400▲ 21.0%€358,346▲ 23.8%€389,679▲ 8.7%€456,939▲ 17.3%€516,256▲ 13.0%
Staff (FTE)0
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 6% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €645,654
Fixed assets
€45,880 ▼ 24.9%
Current assets
€599,773 ▲ 14.6%
Equity and liabilities €645,654
Equity
€504,695 ▲ 13.4%
Provisions
€11,911 ▼ 17.1%
Debt
€129,048 ▲ 3.1%
Debt's share of the balance-sheet total falls from 21.4% to 20.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€141,800▼
2023 · €149,061
Cash flow
€110,240▼
2023 · €116,597
Current ratio
7.18▼
2023 · 7.86
Debt to equity
0.26▼
2023 · 0.28
ROE
18.8%▼
2023 · 23.1%
ROA
14.7%▼
2023 · 17.6%
Interest coverage
62.09▲
2023 · 59.38
Debt ≤ 1 year
€83,518▲
2023 · €66,562
Debt > 1 year
€30,530▼
2023 · €43,578
Income taxes
€40,219▲
2023 · €39,074
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,792 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 97% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
3.2%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 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% | 1.6% |
| 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 74% 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 17,792 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €27,558 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,038 | €11,812 | €11,287 | €13,803 | €15,218 | ▲ 10.3% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | -€2,457 | -€2,457 | -€2,457 | -€2,457 | = |
| Other operating charges640/8 | - | €2,939 | €3,944 | €3,904 | €4,257 | ▲ 9.1% |
| Gross operating margin9900 | €99,451 | €111,871 | €106,418 | €150,507 | €143,600 | ▼ 4.6% |
| Operating profit (loss)9901 | €87,862 | €99,578 | €93,645 | €135,258 | €126,582 | ▼ 6.4% |
| Financial income75/76B | - | €6,981 | €7,068 | €9,121 | €10,944 | ▲ 20.0% |
| Recurring financial income75 | €6,285 | €6,981 | €7,068 | €9,121 | €10,944 | ▲ 20.0% |
| Financial charges65/66B | - | €372 | €222 | €2,510 | €2,284 | ▼ 9.0% |
| Recurring financial charges65 | €774 | €372 | €222 | €2,510 | €2,284 | ▼ 9.0% |
| Profit (loss) for the period before taxes9903 | €93,646 | €106,187 | €100,491 | €141,869 | €135,241 | ▼ 4.7% |
| Income taxes67/77 | €28,234 | €31,544 | €31,772 | €39,074 | €40,219 | ▲ 2.9% |
| Profit (loss) for the period9904 | €65,412 | €74,643 | €68,719 | €102,794 | €95,022 | ▼ 7.6% |
| Profit (loss) for the period to be appropriated9905 | €65,412 | €74,643 | €68,719 | €102,794 | €95,022 | ▼ 7.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €366,347 | €420,576 | €442,272 | €584,598 | €645,654 | ▲ 10.4% |
| Formation expenses20 | €0 | - | - | - | - | - |
| Fixed assets21/28 | €31,235 | €14,677 | €3,390 | €61,098 | €45,880 | ▼ 24.9% |
| Intangible fixed assets21 | €0 | - | - | - | - | - |
| Tangible fixed assets22/27 | €31,235 | €14,427 | €3,140 | €60,848 | €45,630 | ▼ 25.0% |
| Plant, machinery and equipment23 | - | - | - | €3,067 | €2,758 | ▼ 10.1% |
| Furniture and vehicles24 | - | €4,365 | €3,140 | €4,937 | €3,099 | ▼ 37.2% |
| Leasing and similar rights25 | - | €10,062 | €0 | €52,844 | €39,773 | ▼ 24.7% |
| Financial fixed assets28 | €0 | €250 | €250 | €250 | €250 | = |
| Current assets29/58 | €343,557 | €405,899 | €438,882 | €523,500 | €599,773 | ▲ 14.6% |
| Amounts receivable after more than one year29 | - | €284,515 | €287,456 | €363,156 | €434,777 | ▲ 19.7% |
| Trade receivables290 | - | - | €287,456 | €363,156 | €434,777 | ▲ 19.7% |
| Other amounts receivable291 | - | €284,515 | - | - | - | - |
| Stocks and contracts in progress3 | €0 | - | - | - | - | - |
| Amounts receivable within one year40/41 | €12,194 | €2,714 | €2,007 | €0 | - | - |
| Trade receivables40 | - | €2,714 | €2,007 | €0 | - | - |
| Current investments50/53 | €0 | - | - | - | - | - |
| Cash at bank and in hand54/58 | €35,325 | €106,920 | €139,594 | €157,044 | €164,997 | ▲ 5.1% |
| Deferred charges and accrued income490/1 | - | €11,750 | €9,825 | €3,300 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €366,347 | €420,576 | €442,272 | €584,598 | €645,654 | ▲ 10.4% |
| Equity10/15 | €290,450 | €338,740 | €361,244 | €445,091 | €504,695 | ▲ 13.4% |
| Contributions10/11 | - | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €232,518 | €280,808 | €348,844 | €432,691 | €492,295 | ▲ 13.8% |
| 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 | - | €278,948 | €346,984 | €430,831 | €490,435 | ▲ 13.8% |
| Profit (loss) carried forward14 | €45,532 | €45,532 | €0 | €0 | €0 | - |
| Provisions and deferred taxes16 | €24,197 | €19,283 | €16,826 | €14,368 | €11,911 | ▼ 17.1% |
| Provisions for liabilities and charges160/5 | - | €19,283 | €16,826 | €14,368 | €11,911 | ▼ 17.1% |
| Environmental obligations163 | - | - | €16,826 | €14,368 | €11,911 | ▼ 17.1% |
| Other liabilities and charges164/5 | - | €19,283 | - | - | - | - |
| Amounts payable17/49 | €54,757 | €62,553 | €64,202 | €125,139 | €129,048 | ▲ 3.1% |
| Amounts payable after more than one year17 | €14,399 | - | - | €43,578 | €30,530 | ▼ 29.9% |
| Financial debts170/4 | - | - | - | €43,578 | €30,530 | ▼ 29.9% |
| Amounts payable within one year42/48 | €54,157 | €47,553 | €49,202 | €66,562 | €83,518 | ▲ 25.5% |
| Current portion of amounts payable after more than one year42 | - | €2,012 | €0 | €9,556 | €10,095 | ▲ 5.6% |
| Trade debts44 | €11,083 | €2,898 | €720 | €1,734 | €9,775 | ▲ 464% |
| Suppliers440/4 | - | €2,898 | €720 | €1,734 | €9,775 | ▲ 464% |
| Taxes, remuneration and social security45 | - | €42,642 | €48,482 | €55,272 | €63,647 | ▲ 15.2% |
| Taxes450/3 | - | €42,642 | €48,482 | €55,272 | €63,647 | ▲ 15.2% |
| Accrued charges and deferred income492/3 | - | €15,000 | €15,000 | €15,000 | €15,000 | = |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €65,412 | €74,643 | €68,719 | €102,794 | €95,022 | ▼ 7.6% |
| + Depreciation and write-downs630 | €12,038 | €11,812 | €11,287 | €13,803 | €15,218 | ▲ 10.3% |
| Operating cash flow (approximation) | €77,450 | €86,454 | €80,006 | €116,597 | €110,240 | ▼ 5.5% |
| Investment in fixed assets (approximation) | - | €4,747 | €0 | -€71,511 | €0 | ▲ 100% |
| Change in cash | - | €71,596 | €32,674 | €17,450 | €7,953 | ▼ 54.4% |
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
12-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 43 days late
2024
31-12
Financial
Equity above €500,000Eq €504,695 ▲13.4%
7 profitable years in a row build equity to €504,695.
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
31-12
Financial
Highest result since 2018net €102,794 ▲49.6%
Operating result €135,258, net result €102,794, both a record.
10-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 71 days late
2022
18-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 79 days late
2021
22-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 114 days late
2020
07-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 129 days late
2019
31-12
Financial
Equity above €200,000Eq €225,037 ▲20.5%
2 profitable years in a row build equity to €225,037.
10-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 132 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
23-11
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 115 days late
21-11
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 478 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Zemst
Ground area
964 m²
Building footprint
176 m²
Volume, LiDAR
1,040 m³
Parcel 23020A0095/00D002, Flanders · tallest building 12.0 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23020A0095/00D002 | Flanders | 964 m² | 1 · 176 m² | 12.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 12,174 companies in sector 69201 we hold annual accounts for 7,638. 5,487 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 (pre-2019)
Founded14-10-2009
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
E-invoicing
Reachable via Peppol
Peppol ID
0208:0819618821
Registered
11-02-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.