ROWOMIS 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 €571k and a net result of €58k. Equity is growing by ~8.2% per year across the filed fiscal years. Its solvency ranks better than 50% of 8018 sector peers (fiscal year 2025). The company has been active since 2017 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
9 d early
2024
20 d late
2023
30 d late
2022
25 d late
2021
23 d late
2020
26 d late
2019
87 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€571k▲ 11.2%
2024 · €513k
2018: €288k
2019: €392k
2020: €392k
2021: €421k
2022: €457k
2023: €501k
2024: €513k
2018 → 2025
Net result
€58k▲ 378%
2024 · €12k
2018: €-49k
2019: €103k
2020: €439
2021: €29k
2022: €37k
2023: €44k
2024: €12k
2018 → 2025
Total assets
€1.12M▲ 9.0%
2024 · €1.02M
2018: €616k
2019: €653k
2020: €787k
2021: €911k
2022: €1.11M
2023: €1.07M
2024: €1.02M
2018 → 2025
Solvency
51.2%▲ 1.0pp
2024 · 50.1%
2018: 46.9%
2019: 60.0%
2020: 49.8%
2021: 46.2%
2022: 41.3%
2023: 46.9%
2024: 50.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€421k-€457k▲ 8.7%€501k▲ 9.6%€513k▲ 2.4%€571k▲ 11.2%
Operating result€50k-€64k▲ 26.8%€75k▲ 17.6%€46k▼ 38.5%€104k▲ 127%
Net result€29k-€37k▲ 27.7%€44k▲ 20.3%€12k▼ 72.6%€58k▲ 378%
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 127% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.12M
Fixed assets
€1.04M▲ 3.9%
Current assets
€79k▲ 208%
Equity and liabilities €1.12M
Equity
€571k▲ 11.2%
Debt
€545k▲ 6.8%
The debt ratio falls from 49.9% to 48.8%. Equity and debt are higher.
Key figures and ratios
Solvency
51.2%▲
2024 · 50.1%
ROE
10.1%▲
2024 · 2.4%
ROA
5.2%▲
2024 · 1.2%
Debt
€545k▲
2024 · €511k
Debt ≤ 1 year
€210k▲
2024 · €190k
Debt > 1 year
€335k▲
2024 · €316k
Income taxes
€32k▲
2024 · €19k
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€1.02M€1.12M▲
Fixed assets21/28€998k€1.04M▲
Tangible fixed assets22/27€890k€929k▲
Land and buildings22€890k€842k▼
Furniture and vehicles24-€87k
Financial fixed assets28€108k€108k=
Current assets29/58€26k€79k▲
Amounts receivable within one year40/41€17k€69k▲
Trade receivables40€12k€15k▲
Other amounts receivable41€5k€54k▲
Cash at bank and in hand54/58€5k€5k▲
Deferred charges and accrued income490/1€3k€5k▲
Equity and liabilities
Total equity and liabilities10/49€1.02M€1.12M▲
Equity10/15€513k€571k▲
Contributions10/11€337k€337k=
Reserves13€176k€234k▲
Distributable reserves133€176k€234k▲
Amounts payable17/49€511k€545k▲
Amounts payable after more than one year17€316k€335k▲
Financial debts170/4€316k€335k▲
Amounts payable within one year42/48€190k€210k▲
Current portion of amounts payable after more than one year42€44k€61k▲
Financial debts43€4k€19k▲
Credit institutions430/8€4k€19k▲
Trade debts44€13k€13k▲
Suppliers440/4€13k€13k▲
Taxes, remuneration and social security45€8k€8k▼
Taxes450/3€8k€8k▼
Other amounts payable47/48€120k€109k▼
Accrued charges and deferred income492/3€4k€0▼
Income statement
Code20242025
Non-recurring operating income76A-€9k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€55k▲
Other operating charges640/8€8k€8k▲
Gross operating margin9900€102k€168k▲
Operating profit (loss)9901€46k€104k▲
Financial income75/76B€0€644▲
Recurring financial income75€0€644▲
Financial charges65/66B€15k€15k▼
Recurring financial charges65€15k€15k▼
Profit (loss) for the period before taxes9903€31k€90k▲
Income taxes67/77€19k€32k▲
Profit (loss) for the period9904€12k€58k▲
Profit (loss) for the period to be appropriated9905€12k€58k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€58k▲
Transfer to equity691/2€12k€58k▲
To other reserves6921€12k€58k▲
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
Next filing, fiscal year 2026, expected by
2026
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Equity above €500kEq €501k ▲9.6%
5 profitable years in a row build equity to €501k.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 25 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 23 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 26 days late
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
2019
31-12
Financial
Back to profitnet €103k
Net result €103k after one loss-making year.
31-12
Financial
Liquidity times 5current ratio 1.78
Current ratio from 0.39 to 1.78; short-term debt falls from €103k to €60k.
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 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, Zwevegem · 1 establishment unit since 2017
Ground area
588 m²
Building footprint
283 m²
Volume, LiDAR
1,653 m³
2 parcels, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kwadepoelstraat(Z) 43E, 8550 Zwevegem
since 20172.269.666.574
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34042D0385/00M000 | Flanders | 397 m² | 1 · 92 m² | 7.4 m · 2 fl. |
| 34042D0393/00N000 | Flanders | 191 m² | 1 · 191 m² | 8.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,524 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-05-2017
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.