ROY & GREG

Active

Private limited companyfounded 201313 yrs activeTervurenlaan 24, 1040 Etterbeek, BelgiumKBO/BCE: BE 0526.905.978

ROY & GREG has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €204k and a net result of €72k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 72% of 1282 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).

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Checked score

Score 2025

86 / 100

Excellent= vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency94▲+8

Growth52=

Stability100

Bankruptcy probability, 12 months

0.9% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €18k at 30 days acceptable

Liquidity ample (current ratio 2.09 against 2.11 in 2024), but 51.5% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Eight signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

48.5%

Return on assets

17.1%

Age of the figures

16 mo

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 55

Relative position

BE, all sectors

reference

Sector 55

higher

← fewer bankruptcies more bankruptcies →

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

NBB · annual accounts 2025

Equity per financial year

19202122232425

2019 to 2025 · latest year €204k

Filed after the deadline

The financial year that closed on 30-04-2025 was due by 30-11-2025 and was filed on 31-12-2025, 31 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 filings

Deviation from the deadline

2025

31 d late

2024

23 d late

2023

8 d late

2022

on the day

2021

12 d early

2020

18 d early

2019

30 d early

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-04-2026 and is due by 30-11-2026. Nothing is late today.

Companies Code · seven months

Position in the running window

30-04-2026 close12-09-2026 today30-11-2026 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Turnover

€65k▼ 87.9%

2020 · €538k

2019: €581k 2020: €538k

2019 → 2021

EBIT margin

-248.7%▼ 235.4pp

2020 · -13.3%

2019: 9.7% 2020: -13.3%

2019 → 2021

Net result

€72k▼ 41.4%

2024 · €123k

2019: €42k 2020: €-83k 2021: €-171k 2022: €27k 2023: €175k 2024: €123k

2019 → 2025

Working capital

€123k▲ 114%

2024 · €58k

2019: €15k 2020: €-48k 2021: €-162k 2022: €-124k 2023: €-11k 2024: €58k

2019 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Turnover€65k-

Equity€-192k-€-166k▲ 13.8%€9k€132k▲ 1,319%€204k▲ 54.4%

Operating result€-161k-€33k€200k▲ 502%€161k▼ 19.3%€115k▼ 28.9%

Net result€-171k-€27k€175k▲ 560%€123k▼ 29.7%€72k▼ 41.4%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has fallen two years in a row; 2025 is 29% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €421k

44.0%

56.0%

Fixed assets €185k▼ 11.5%

Current assets €236k▲ 115%

Equity and liabilities €421k

48.5%

51.5%

Equity €204k▲ 54.4%

Debt €217k▲ 15.9%

The debt ratio falls from 58.6% to 51.5%: equity grows faster than debt.

Key figures and ratios

2025 value · change against 2024

EBITDA

€182k▼

2024 · €198k

Cash flow

€139k▼

2024 · €159k

Solvency

48.5%▲

2024 · 41.4%

Current ratio

2.09▼

2024 · 2.11

Quick ratio

2.09▼

2024 · 2.11

Debt / equity

1.06▼

2024 · 1.41

ROE

35.2%▼

2024 · 93.0%

ROA

17.1%▼

2024 · 38.5%

Interest coverage

10.49▲

2024 · 9.20

Debt

€217k▲

2024 · €187k

Debt ≤ 1 year

€113k▲

2024 · €52k

Debt > 1 year

€104k▼

2024 · €135k

Income taxes

€25k▲

2024 · €17k

Staff costs

€216k▲

2024 · €193k

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€319k€421k▲

Fixed assets21/28€209k€185k▼

Tangible fixed assets22/27€185k€160k▼

Land and buildings22€13k€3k▼

Plant, machinery and equipment23€4k€13k▲

Furniture and vehicles24€125k€98k▼

Other tangible fixed assets26€43k€46k▲

Financial fixed assets28€25k€25k=

Current assets29/58€110k€236k▲

Stocks and contracts in progress3€4€158▲

Stocks30/36€4€158▲

Amounts receivable within one year40/41€20k€174k▲

Trade receivables40€11k€103k▲

Other amounts receivable41€9k€71k▲

Cash at bank and in hand54/58€86k€61k▼

Deferred charges and accrued income490/1€5k€652▼

Equity and liabilities

Total equity and liabilities10/49€319k€421k▲

Equity10/15€132k€204k▲

Contributions10/11€6k€6k=

Reserves13€99k€129k▲

Non-distributable reserves130/1€2k€2k=

Reserves not available under the articles1311€2k€2k=

Distributable reserves133€97k€127k▲

Profit (loss) carried forward14€27k€69k▲

Amounts payable17/49€187k€217k▲

Amounts payable after more than one year17€135k€104k▼

Financial debts170/4€135k€104k▼

Amounts payable within one year42/48€52k€113k▲

Current portion of amounts payable after more than one year42€3k€24k▲

Trade debts44€18k€46k▲

Suppliers440/4€18k€46k▲

Taxes, remuneration and social security45€32k€42k▲

Taxes450/3€26k€10k▼

Remuneration and social security454/9€6k€32k▲

Income statement Code20242025

Remuneration, social security and pensions62€193k€216k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€67k▲

Other operating charges640/8€40k€28k▼

Gross operating margin9900€430k€426k▼

Operating profit (loss)9901€161k€115k▼

Financial income75/76B€9€0▼

Recurring financial income75€9€0▼

Financial charges65/66B€21k€17k▼

Recurring financial charges65€21k€17k▼

Profit (loss) for the period before taxes9903€140k€97k▼

Income taxes67/77€17k€25k▲

Profit (loss) for the period9904€123k€72k▼

Profit (loss) for the period to be appropriated9905€123k€72k▼

Appropriation of the result

Profit (loss) to be appropriated9906€57k€99k▲

Profit (loss) brought forward from the previous period14P€-66k€27k▲

Transfer to equity691/2€30k€30k=

To other reserves6921€30k€30k=

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 16Financial 6Filings 10

Next filing, fiscal year 2026, expected by 30-11-2026

2025

31-12

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 31 days late

30-04

Financial Equity above €200kEq €204k ▲54.4%

4 profitable years in a row build equity to €204k.

2024

23-12

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 23 days late

30-04

Financial Liquidity doublescurrent ratio 2.11

Current ratio from 0.91 to 2.11; short-term debt falls from €120k to €52k.

30-04

Financial Equity above €100kEq €132k ▲1319%

3 profitable years in a row build equity to €132k.

2023

08-12

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 8 days late

30-04

Financial Highest result since 2019net €175k ▲560%

Operating result €200k, net result €175k, both a record.

2022

30-11

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

30-04

Financial Back to profitnet €27k

Net result €27k after 2 loss-making years.

2021

18-11

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

30-04

Financial Weakest financial yearnet €-171k

Net result drops to €-171k, the lowest in the series; recovery starts the following year.

2020

12-11

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2019

31-10

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2018

15-11

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2017

07-11

NBB filing Annual accounts filed

fiscal year 2017 · full schema

2016

28-10

NBB filing Annual accounts filed

fiscal year 2016 · full schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

no sitting director, no change since 2025

We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.

06-03-2025 Resigned as Director (executive)

Location & real-estate footprint

Registered office, Etterbeek · 1 establishment unit since 2013

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.

Tervurenlaan 241040 Etterbeek

Ground area

366 m²

Building footprint

189 m²

Volume, LiDAR

3,998 m³