Vincent ROBAYE
ActiveThe computed 12-month bankruptcy probability of Vincent ROBAYE is 3.3% (moderate). The 2024 annual accounts show equity of €52k and a net result of €-1k. Equity is growing by ~46.2% per year across the filed fiscal years. Its solvency ranks better than 73% of 36378 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability67▼-33
Solvency92▲+22
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
3.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.14 against 1.49 in 2023; short-term debt: 32.9% and cash: 31.3% of total assets), and 32.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
67.1%
Return on assets
-1.5%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-06-2025, 42 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
42 d early
2023
44 d early
2022
27 d early
2021
45 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€52k▼ 2.2%
2023 · €53k
2021: €17k
2022: €24k
2023: €53k
2021 → 2024
Total assets
€78k▼ 34.0%
2023 · €118k
2021: €69k
2022: €83k
2023: €118k
2021 → 2024
Net result
€-1k
2023 · €31k
2021: €12k
2022: €7k
2023: €31k
2021 → 2024
Working capital
€29k▼ 7.8%
2023 · €32k
2021: €-17k
2022: €-17k
2023: €32k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€17k-€24k▲ 35.0%€53k▲ 126%€52k▼ 2.2%
Operating result€17k-€8k▼ 52.0%€39k▲ 377%€-1k
Net result€12k-€7k▼ 45.8%€31k▲ 358%€-1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €1k after €39k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €78k
Fixed assets
€23k▲ 5.9%
Current assets
€55k▼ 43.0%
Equity and liabilities €78k
Equity
€52k▼ 2.2%
Debt
€26k▼ 60.3%
The debt ratio falls from 54.7% to 32.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€13k▼
2023 · €57k
Cash flow
€13k▼
2023 · €49k
Solvency
67.1%▲
2023 · 45.3%
Current ratio
2.14▲
2023 · 1.49
Quick ratio
1.48▲
2023 · 1.13
Debt / equity
0.49▼
2023 · 1.21
ROE
-2.3%▼
2023 · 58.2%
ROA
-1.5%▼
2023 · 26.4%
Interest coverage
229.39▼
2023 · 1088.71
Debt
€26k▼
2023 · €64k
Debt ≤ 1 year
€26k▼
2023 · €64k
Income taxes
€0▼
2023 · €8k
Staff costs
€619▼
2023 · €8k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€118k€78k▼
Fixed assets21/28€22k€23k▲
Tangible fixed assets22/27€22k€23k▲
Plant, machinery and equipment23€14k€21k▲
Furniture and vehicles24€8k€2k▼
Current assets29/58€96k€55k▼
Stocks and contracts in progress3€23k€17k▼
Stocks30/36€18k€17k▼
Contracts in progress37€5k€0▼
Amounts receivable within one year40/41€16k€13k▼
Trade receivables40€16k€7k▼
Other amounts receivable41€0€6k▲
Cash at bank and in hand54/58€56k€24k▼
Deferred charges and accrued income490/1€941€349▼
Equity and liabilities
Total equity and liabilities10/49€118k€78k▼
Equity10/15€53k€52k▼
Contributions10/11€5k€5k=
Reserves13€12k€12k=
Distributable reserves133€12k€12k=
Profit (loss) carried forward14€36k€35k▼
Amounts payable17/49€64k€26k▼
Amounts payable within one year42/48€64k€26k▼
Trade debts44€0€1k▲
Suppliers440/4€0€1k▲
Taxes, remuneration and social security45€17k€0▼
Taxes450/3€12k€0▼
Remuneration and social security454/9€5k€0▼
Other amounts payable47/48€47k€24k▼
Income statement
Code20232024
Remuneration, social security and pensions62€8k€619▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€14k▼
Other operating charges640/8€2k€610▼
Gross operating margin9900€68k€14k▼
Operating profit (loss)9901€39k€-1k▼
Financial income75/76B€0€18▲
Recurring financial income75€0€18▲
Financial charges65/66B€53€57▲
Recurring financial charges65€53€57▲
Profit (loss) for the period before taxes9903€39k€-1k▼
Income taxes67/77€8k€0▼
Profit (loss) for the period9904€31k€-1k▼
Profit (loss) for the period to be appropriated9905€31k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€37k€35k▼
Profit (loss) brought forward from the previous period14P€6k€36k▲
Profit to be distributed694/7€1k€0▼
Return on contributions (dividend)694€1k€0▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-1k ▼104%
Net result drops to €-1k, the lowest in the series.
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €31k ▲358%
Operating result €39k, net result €31k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.49
Current ratio from 0.71 to 1.49.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Havelange · 1 establishment unit since 2020
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.
Montegnet(F) 445370 HavelangeGround area
2,005 m²
Building footprint
92 m²
Parcel 91048C0288/00W002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Vincent Robaye
since 20202.308.923.167
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91048C0288/00W002 | Wallonia | 2,005 m² | 1 · 92 m² | - |
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 22,826 companies in sector 43211 we hold annual accounts for 10,327. 8,594 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-10-2020
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
41001General construction of residential buildings
43230Insulation installation
43291Specialised construction activities
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.
Contact details
2 entriesE-mail:vincent_robaye@hotmail.com
Phone:+32497075059