ON-ROEREND
ActiveSummary
ON-ROEREND has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €54k and a net result of €55k. Equity is growing by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 43% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▲+85
Solvency46▼-9
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 2.01 against 3.37 in 2024; short-term debt: 49.8% and cash: 16.5% of total assets), but 78.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
21.4%
Return on assets
22.1%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 8 filingsDeviation from the deadline
2025
27 d late
2024
61 d late
2023
86 d late
2022
452 d late
2021
78 d late
2020
31 d late
2019
29 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€54k▼ 27.6%
2024 · €74k
2018: €35k
2019: €40k
2020: €95k
2021: €163k
2022: €176k
2023: €89k
2024: €74k
2018 → 2025
Total assets
€250k▲ 3.0%
2024 · €243k
2018: €158k
2019: €204k
2020: €585k
2021: €453k
2022: €427k
2023: €328k
2024: €243k
2018 → 2025
Net result
€55k
2024 · €-15k
2018: €17k
2019: €5k
2020: €55k
2021: €68k
2022: €13k
2023: €-87k
2024: €-15k
2018 → 2025
Working capital
€126k▼ 24.9%
2024 · €167k
2018: €59k
2019: €141k
2020: €167k
2021: €362k
2022: €280k
2023: €239k
2024: €167k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€163k-€176k▲ 8.2%€89k▼ 49.4%€74k▼ 17.1%€54k▼ 27.6%
Operating result€90k-€19k▼ 78.7%€-85k€-15k▲ 82.2%€58k
Net result€68k-€13k▼ 80.4%€-87k€-15k▲ 82.5%€55k
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 returns to profit in 2025: €58k after a loss of €15k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €250k
Equity
€54k ▼ 27.6%
Debt
€196k ▲ 16.3%
Debt's share of the balance-sheet total rises from 69.6% to 78.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€63k▲
2024 · €-9k
Cash flow
€60k▲
2024 · €-9k
Current ratio
2.01▼
2024 · 3.37
Quick ratio
1.01▼
2024 · 3.34
Debt to equity
3.67▲
2024 · 2.28
ROE
103.2%▲
2024 · -20.6%
ROA
22.1%▲
2024 · -6.3%
Interest coverage
32.68▲
2024 · -36.66
Debt ≤ 1 year
€124k▲
2024 · €71k
Debt > 1 year
€72k▼
2024 · €98k
Income taxes
€525
Staff costs
€0▼
2024 · €5k
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 · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€243k€250k▲
Fixed assets21/28€5k€0▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€5k€0▼
Furniture and vehicles24€5k€0▼
Current assets29/58€238k€250k▲
Amounts receivable after more than one year29€86k€70k▼
Other amounts receivable291€86k€70k▼
Stocks and contracts in progress3€2k€124k▲
Stocks30/36€2k€124k▲
Amounts receivable within one year40/41€42k€14k▼
Trade receivables40€11k€11k=
Other amounts receivable41€30k€2k▼
Cash at bank and in hand54/58€106k€41k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€243k€250k▲
Equity10/15€74k€54k▼
Contributions10/11€19k€19k=
Reserves13€55k€35k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€53k€33k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€169k€196k▲
Amounts payable after more than one year17€98k€72k▼
Financial debts170/4€98k€72k▼
Amounts payable within one year42/48€71k€124k▲
Trade debts44€50k€42k▼
Suppliers440/4€50k€42k▼
Taxes, remuneration and social security45€20k€19k▼
Taxes450/3€18k€19k▲
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€528€62k▲
Income statement
Code20242025
Remuneration, social security and pensions62€5k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€5k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€-3k€65k▲
Operating profit (loss)9901€-15k€58k▲
Financial income75/76B€76€4▼
Recurring financial income75€76€4▼
Financial charges65/66B€249€2k▲
Recurring financial charges65€249€2k▲
Profit (loss) for the period before taxes9903€-15k€56k▲
Income taxes67/77-€525
Profit (loss) for the period9904€-15k€55k▲
Profit (loss) for the period to be appropriated9905€-15k€55k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€55k▲
Transfer from equity791/2€15k€20k▲
Profit to be distributed694/7-€76k
Return on contributions (dividend)694-€76k
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
31-03
State Gazette act
Appointment: EL BOUK Hafid (director)Permanent representative: EL BOUK Hafid · Statutes amendment · Capital8 facts ▸
State Gazette act
Appointment: EL BOUK Hafid (director)
Permanent representative: EL BOUK Hafid · Statutes amendment · Capital8 facts ▸
- General meeting, 26 maart 2026
- Statutes amendment
- Statutes amendment
- Capital, €18.600
- Director appointment, EL BOUK Hafid (director)
- Mandate compensation, EL BOUK Hafid
- Permanent representative, EL BOUK Hafid
- Power of attorney, ACCO GROUP
2025
31-12
Financial
Back to profitnet €55k
Net result €55k after 2 loss-making years.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
25-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 86 days late
25-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 452 days late
2023
31-12
Financial
Weakest financial yearnet €-87k ▼754%
Net result drops to €-87k, the lowest in the series; recovery starts the following year.
2022
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
2021
31-12
Financial
Highest result since 2018net €68k ▲23.6%
Operating result €90k, net result €68k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 5.12
Current ratio from 1.40 to 5.12; short-term debt falls from €413k to €88k.
31-12
Financial
Equity above €150kEq €163k ▲71.3%
4 profitable years in a row build equity to €163k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Show earlier events
2020
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity doublescurrent ratio 3.32
Current ratio from 1.60 to 3.32; short-term debt falls from €99k to €61k.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2026
El BOUK Hafid
CurrentDirector · since 26-03-2026
26-03-2026
Appointed as Director
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2018
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.
VIIde-Olympiadelaan 1342020 AntwerpenGround area
155 m²
Building footprint
114 m²
Volume, LiDAR
987 m³
Parcel 11809I2364/00G010, Flanders · tallest building 13.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
ON-ROEREND
since 20182.274.359.196
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11809I2364/00G010 | Flanders | 155 m² | 1 · 114 m² | 13.1 m · 4 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.
Articles of association
Purpose
De vennootschap heeft tot voorwerp zowel in België als in het buitenland, zowel in eigen naam en voor eigen rekening als in naam en voor rekening van derden, alleen of in…
Full purpose
De vennootschap heeft tot voorwerp zowel in België als in het buitenland, zowel in eigen naam en voor eigen rekening als in naam en voor rekening van derden, alleen of in samenwerking met derden, als vertegenwoordiger, tussenpersoon of commissionair: . Bouw van gebouwen; . Ontwikkeling van bouwprojecten; ... [long list of activities] ... Certificering van schepen, vliegtuigen, auto's, hogedrukketels, kerncentrales, enzovoort.
Structure & network
Capital and shareholders
Capital over the years
- 31-03-2026 Capital stated in the act · 18,600 EUR · 186 shares
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SEDIMENT
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Of 9,694 companies in sector 68121 we hold annual accounts for 7,383. 5,060 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 formPrivate limited company
Founded22-03-2018
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.