Summary
Rokariam is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €404k and a net result of €97k. Equity is growing by ~15.6% per year across the filed fiscal years. Its solvency ranks better than 24% of 5527 sector peers (fiscal year 2025). The company has been active since 2009 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 advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 5527 sector peers (2025).
NBB · sector comparisonPosition among 5527 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-01-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
54 d late
2023
1 d early
2022
11 d early
2021
3 d early
2020
2 d early
2019
17 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€404k▲ 14.9%
2024 · €352k
2019: €170k
2020: €210k
2021: €210k
2022: €259k
2023: €307k
2024: €352k
2019 → 2025
Net result
€97k▲ 8.0%
2024 · €90k
2019: €58k
2020: €80k
2021: €30k
2022: €89k
2023: €90k
2024: €90k
2019 → 2025
Total assets
€1.78M▼ 0.1%
2024 · €1.78M
2019: €1.43M
2020: €1.45M
2021: €1.81M
2022: €1.85M
2023: €1.91M
2024: €1.78M
2019 → 2025
Solvency
22.7%▲ 2.9pp
2024 · 19.7%
2019: 11.9%
2020: 14.5%
2021: 11.6%
2022: 14.0%
2023: 16.1%
2024: 19.7%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€210k-€259k▲ 23.5%€307k▲ 18.5%€352k▲ 14.7%€404k▲ 14.9%
Operating result€42k-€116k▲ 178%€126k▲ 9.0%€146k▲ 15.9%€151k▲ 3.3%
Net result€30k-€89k▲ 197%€90k▲ 1.3%€90k▼ 0.3%€97k▲ 8.0%
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 has risen four years in a row; 2025 is 3% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.78M
Fixed assets
€1.31M ▼ 1.2%
Current assets
€476k ▲ 3.3%
Equity and liabilities €1.78M
Equity
€404k ▲ 14.9%
Debt
€1.38M ▼ 3.7%
Debt's share of the balance-sheet total falls from 80.3% to 77.3%. Equity is higher and debt is lower.
Key figures and ratios
ROE
24.1%▼
2024 · 25.6%
ROA
5.5%▲
2024 · 5.1%
Debt ≤ 1 year
€887k▲
2024 · €885k
Debt > 1 year
€491k▼
2024 · €522k
Income taxes
€15k▲
2024 · €12k
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.78M€1.78M▼
Fixed assets21/28€1.32M€1.31M▼
Tangible fixed assets22/27€1.32M€1.31M▼
Land and buildings22€1.32M€1.31M▼
Current assets29/58€461k€476k▲
Amounts receivable within one year40/41€455k€467k▲
Other amounts receivable41€455k€467k▲
Cash at bank and in hand54/58€4k€7k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€1.78M€1.78M▼
Equity10/15€352k€404k▲
Contributions10/11€19k€19k=
Reserves13€334k€334k=
Distributable reserves133€334k€334k=
Profit (loss) carried forward14-€52k
Amounts payable17/49€1.43M€1.38M▼
Amounts payable after more than one year17€522k€491k▼
Financial debts170/4€215k€139k▼
Other amounts payable178/9€307k€352k▲
Amounts payable within one year42/48€885k€887k▲
Current portion of amounts payable after more than one year42€76k€77k▲
Trade debts44€466€694▲
Suppliers440/4€466€694▲
Taxes, remuneration and social security45€14k€24k▲
Taxes450/3€14k€24k▲
Other amounts payable47/48€795k€786k▼
Accrued charges and deferred income492/3€24k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€29k▲
Other operating charges640/8€6k€6k▼
Gross operating margin9900€179k€186k▲
Operating profit (loss)9901€146k€151k▲
Financial charges65/66B€44k€39k▼
Recurring financial charges65€44k€39k▼
Profit (loss) for the period before taxes9903€102k€112k▲
Income taxes67/77€12k€15k▲
Profit (loss) for the period9904€90k€97k▲
Profit (loss) for the period to be appropriated9905€90k€97k▲
Appropriation of the result
Profit (loss) to be appropriated9906€90k€97k▲
Transfer to equity691/2€45k-
To other reserves6921€45k-
Profit to be distributed694/7€45k€45k=
Directors or managers695€45k€45k=
The notes to these accounts (8 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
28-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Highest result since 2019net €97k ▲8%
Operating result €151k, net result €97k, both a record.
26-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 54 days late
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
20-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet €30k ▼62.7%
Net result drops to €30k, the lowest in the series; recovery starts the following year.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Equity above €200kEq €210k ▲23.5%
2 profitable years in a row build equity to €210k.
14-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
28-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Diksmuide · 1 establishment unit since 2009
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.
Leerlooierijstraat 18600 DiksmuideGround area
6,034 m²
Building footprint
2,085 m²
Parcel 32473C0029/00W002, Flanders. Linked by address, not a title deed.
1 establishment unit
Rokariam
since 20092.181.562.266
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32473C0029/00W002 | Flanders | 6,034 m² | 1 · 2,084 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.
Similar companies · same sector, comparable size
C.M.W.
BE 0565.992.921
Alken · Eq €404,468
PETER SNEL
BE 0863.735.807
Kruisem · Eq €404,527
Emvie
BE 0889.551.762
Kasterlee · Eq €404,402
BTA Holding
BE 1009.930.940
Waregem · Eq €404,712
P2W
BE 0673.962.532
Kruisem · Eq €404,731
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,737 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
Founded08-09-2009
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.