Summary
IMMO ROAN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €238k and a net result of €-387k. Equity is shrinking by ~23.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 9863 sector peers (fiscal year 2024). The company has been active since 1989 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 check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 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
28 d late
2023
56 d late
2022
59 d late
2021
54 d early
2020
19 d early
2019
60 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€238k▼ 61.9%
2023 · €625k
2018: €1.73M
2019: €1.77M
2020: €692k
2021: €652k
2022: €652k
2023: €625k
2018 → 2024
Net result
€-387k▼ 1,341%
2023 · €-27k
2018: €11k
2019: €35k
2020: €182k
2021: €677
2022: €8
2023: €-27k
2018 → 2024
Total assets
€239k▼ 62.0%
2023 · €630k
2018: €2.27M
2019: €2.28M
2020: €1.17M
2021: €803k
2022: €913k
2023: €630k
2018 → 2024
Solvency
99.3%▲ 0.1pp
2023 · 99.2%
2018: 76.5%
2019: 77.6%
2020: 58.9%
2021: 81.2%
2022: 71.4%
2023: 99.2%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€692k-€652k▼ 5.7%€652k=€625k▼ 4.1%€238k▼ 61.9%
Operating result€246k-€-5k€3k€-23k€-387k▼ 1,560%
Net result€182k-€677▼ 99.6%€8▼ 98.8%€-27k€-387k▼ 1,341%
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 stays negative: a loss of €387k in 2024 against €23k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €239k
Fixed assets
€200k ▲ 1.2%
Current assets
€39k ▼ 90.9%
Equity and liabilities €239k
Equity
€238k ▼ 61.9%
Debt
€2k ▼ 67.4%
Debt's share of the balance-sheet total falls from 0.8% to 0.7%. Equity and debt are lower.
Key figures and ratios
ROE
-162.8%▼
2023 · -4.3%
ROA
-161.7%▼
2023 · -4.3%
Debt ≤ 1 year
€2k▼
2023 · €5k
Income taxes
€158▲
2023 · €151
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 41 lines
Balance sheet
Code20232024
Assets
Total assets20/58€630k€239k▼
Fixed assets21/28€198k€200k▲
Tangible fixed assets22/27€198k€200k▲
Land and buildings22€197k€197k=
Furniture and vehicles24€931€3k▲
Current assets29/58€432k€39k▼
Amounts receivable within one year40/41€365k€28k▼
Trade receivables40€93k-
Other amounts receivable41€272k€28k▼
Cash at bank and in hand54/58€65k€11k▼
Deferred charges and accrued income490/1€3k-
Equity and liabilities
Total equity and liabilities10/49€630k€239k▼
Equity10/15€625k€238k▼
Contributions10/11€337k€337k=
Capital10€337k€337k=
Issued capital100€337k€337k=
Reserves13€152k€152k=
Non-distributable reserves130/1€34k€34k=
Legal reserve130€34k€34k=
Distributable reserves133€118k€118k=
Profit (loss) carried forward14€136k€-251k▼
Amounts payable17/49€5k€2k▼
Amounts payable within one year42/48€5k€2k▼
Trade debts44€763€1k▲
Suppliers440/4€763€1k▲
Taxes, remuneration and social security45€504€158▼
Taxes450/3€504€158▼
Other amounts payable47/48€4k-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€931▼
Other operating charges640/8€6k€8k▲
Non-recurring operating charges66A-€370k
Gross operating margin9900€15k€-8k▼
Operating profit (loss)9901€-23k€-387k▼
Financial charges65/66B€3k€190▼
Recurring financial charges65€3k€190▼
Profit (loss) for the period before taxes9903€-27k€-387k▼
Income taxes67/77€151€158▲
Profit (loss) for the period9904€-27k€-387k▼
Profit (loss) for the period to be appropriated9905€-27k€-387k▼
Appropriation of the result
Profit (loss) to be appropriated9906€136k€-251k▼
Profit (loss) brought forward from the previous period14P€163k€136k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet €-387k
Net result drops to €-387k, the lowest in the series.
25-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 56 days late
2023
31-12
Financial
Liquidity times 54current ratio 89.50
Current ratio from 1.65 to 89.50; short-term debt falls from €261k to €5k.
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
2022
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €182k ▲426%
Operating result €246k, net result €182k, both a record.
31-12
Financial
Liquidity times 27current ratio 1.86
Current ratio from 0.07 to 1.86.
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
11-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 72 days late
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
06-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Dilbeek · 1 establishment unit since 1989
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.
Kattebroekstraat 1711700 DilbeekGround area
98 m²
Building footprint
98 m²
Volume, LiDAR
590 m³
Parcel 23016C0234/00G000, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IMMO ROAN
since 19892.044.551.053
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23016C0234/00G000 | Flanders | 98 m² | 1 · 98 m² | 10.6 m · 2 fl. |
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.
Similar companies · same sector, comparable size
JoRut
BE 0826.187.996
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EURO EXPRESS GROUP
BE 0711.906.952
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Ernest Partners
BE 0764.519.059
Elsene · Eq €234,191
bonsai
BE 0663.774.859
Gent · Eq €233,365
Banning
BE 0765.295.257
Antwerpen · Eq €243,360
Of 807 companies in sector 64999 we hold annual accounts for 484. 314 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded12-07-1989
Fiscal year end31-12
Activities, NACEBEL 2025
64999Other financial services
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.