Etablissements Robert
ActiveEtablissements Robert has been active since 1980 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €56k and a net result of €19k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 46% of 27450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-13
Solvency68▲+8
Growth58=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.47 against 1.35 in 2024; short-term debt: 55.9% and cash: 23.6% of total assets), and 56.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 →
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 2025Solvency, return and age of the figures
Solvency
43.3%
Return on assets
14.4%
Age of the figures
9 mo
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
49 d late
2023
on the day
2022
30 d late
2021
31 d late
2020
on the day
2019
92 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€56k▲ 49.5%
2024 · €38k
2018: €171k
2019: €35k
2020: €15k
2021: €39k
2022: €31k
2023: €-2k
2024: €38k
2018 → 2025
Total assets
€130k▲ 21.3%
2024 · €107k
2018: €284k
2019: €180k
2020: €159k
2021: €143k
2022: €124k
2023: €84k
2024: €107k
2018 → 2025
Net result
€19k▼ 52.8%
2024 · €39k
2018: €17k
2019: €-137k
2020: €-20k
2021: €25k
2022: €-9k
2023: €-33k
2024: €39k
2018 → 2025
Working capital
€34k▲ 55.2%
2024 · €22k
2018: €142k
2019: €-31k
2020: €-45k
2021: €-11k
2022: €-7k
2023: €-31k
2024: €22k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€39k-€31k▼ 21.7%€-2k€38k€56k▲ 49.5%
Operating result€27k-€-7k€-31k▼ 372%€43k€22k▼ 48.4%
Net result€25k-€-9k€-33k▼ 283%€39k€19k▼ 52.8%
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 2025; 2025 is 48% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €130k
Fixed assets
€23k▲ 4.8%
Current assets
€107k▲ 25.6%
Equity and liabilities €130k
Equity
€56k▲ 49.5%
Debt
€74k▲ 6.0%
The debt ratio falls from 64.8% to 56.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€30k▼
2024 · €67k
Cash flow
€27k▼
2024 · €63k
Solvency
43.3%▲
2024 · 35.2%
Current ratio
1.47▲
2024 · 1.35
Quick ratio
1.09▲
2024 · 0.90
Debt / equity
1.31▼
2024 · 1.84
ROE
33.1%▼
2024 · 105.0%
ROA
14.4%▼
2024 · 36.9%
Interest coverage
7.80▼
2024 · 16.39
Debt
€74k▲
2024 · €69k
Debt ≤ 1 year
€73k▲
2024 · €63k
Income taxes
€0▼
2024 · €0
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€107k€130k▲
Fixed assets21/28€22k€23k▲
Tangible fixed assets22/27€21k€22k▲
Plant, machinery and equipment23€15k€12k▼
Furniture and vehicles24€6k€10k▲
Financial fixed assets28€700€700=
Current assets29/58€85k€107k▲
Stocks and contracts in progress3€28k€28k▼
Stocks30/36€28k€28k▼
Amounts receivable within one year40/41€56k€47k▼
Trade receivables40€55k€42k▼
Other amounts receivable41€1k€5k▲
Cash at bank and in hand54/58-€31k
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€107k€130k▲
Equity10/15€38k€56k▲
Contributions10/11€33k€33k=
Reserves13€3k€3k=
Distributable reserves133€3k€3k=
Profit (loss) carried forward14€777€19k▲
Amounts payable17/49€69k€74k▲
Amounts payable after more than one year17€1k-
Financial debts170/4€1k-
Amounts payable within one year42/48€63k€73k▲
Current portion of amounts payable after more than one year42€7k€1k▼
Financial debts43€3k-
Credit institutions430/8€3k-
Trade debts44€23k€35k▲
Suppliers440/4€23k€35k▲
Taxes, remuneration and social security45-€2k
Taxes450/3-€2k
Other amounts payable47/48€29k€34k▲
Accrued charges and deferred income492/3€5k€937▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€8k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€70
Other operating charges640/8€4k€4k▲
Gross operating margin9900€71k€35k▼
Operating profit (loss)9901€43k€22k▼
Financial income75/76B€242€145▼
Recurring financial income75€242€145▼
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€39k€19k▼
Income taxes67/77€0€0▼
Profit (loss) for the period9904€39k€19k▼
Profit (loss) for the period to be appropriated9905€39k€19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€777€19k▲
Profit (loss) brought forward from the previous period14P€-39k€777▲
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
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 49 days late
2024
31-12
Financial
Back to profitnet €39k
Net result €39k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 1.35
Current ratio from 0.60 to 1.35; short-term debt falls from €79k to €63k.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €25k
Net result €25k after 2 loss-making years.
31-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
31-12
Financial
Weakest financial yearnet €-137k ▼921%
Net result drops to €-137k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 63 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
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, Seneffe · 1 establishment unit since 1980
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.
Rue Albert Lemal 157181 SeneffeGround area
874 m²
Building footprint
116 m²
Parcel 52003B0385/00Y004, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue Albert Lemal 15, 7181 Seneffe
since 19802.018.162.402
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52003B0385/00Y004 | Wallonia | 874 m² | 1 · 116 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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H.B.K - TEC
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Of 7,036 companies in sector 43221 we hold annual accounts for 3,468. 2,985 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-10-1980
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
45332
25120Manufacture of fabricated metal products, except machinery and equipment
28120
43410Roofing work
45220
Sources
Crossroads Bank for EnterprisesNational Bank · 43 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.