ROY CONSULT · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of ROY CONSULT is 2.2% (moderate). The 2024 annual accounts show equity of €282k and a net result of €129k. Its solvency ranks better than 85% of 692 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Signals

2 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 85% of 692 peers (2024). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2023 and 2024).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 12 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-09-2025, 59 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.

How we compute the deadline

The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	28-09-2025	59 d late	2025-00512479
31-12-2023	31-07-2024	31-07-2024	on the day	2024-00330880

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

2.2% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate sector +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€129k-3.9%

Working capital€210k+411.9%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 28-09-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Sector comparison

Fiscal year 2024 · NACE 25 · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	72.8%	39.3%	better than 85% of 692 sector peers
Net result	€129k	€13k	better than 95% of 691 sector peers
Equity	€282k	€37k	better than 94% of 692 sector peers
Gross operating margin	€181k	€39k	better than 90% of 690 sector peers
Staff costs	€6k	€30k	higher than 34% of 237 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€169k

-5.6% 23-24

Net profit

€129k

-3.9% 23-24

Cash flow

€132k

-3.5% 23-24

Total assets

€388k

+1.4% 23-24

Equity

€282k

+83.6% 23-24

Working capital

€210k

+411.9% 23-24

Employees (FTE)

0

-80.0% 23-24

Staff costs

€6k

-90.0% 23-24

Income taxes

€37k

-12.2% 23-24

Debt

€106k

-53.8% 23-24

Debt ≤ 1y

€106k

-53.8% 23-24

Current ratio

2.99

+153.3% 23-24

Quick ratio

2.99

+169.8% 23-24

Solvency

72.8%

+81.0% 23-24

Debt / equity

0.37

-74.9% 23-24

ROE

45.5%

-47.7% 23-24

ROA

33.1%

-5.2% 23-24

Interest coverage

625.03

+61.0% 23-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€169k
Net profit	€129k
Cash flow	€132k
Staff costs	€6k
Income taxes	€37k
Dividends	-
Total assets	€388k
Equity	€282k
Debt	€106k
of which ≤ 1y	€106k
of which > 1y	-
Working capital	€210k
Employees (FTE)	0.2

Ratios (computed)

	2024
Current ratio	2.99
Quick ratio	2.99
Working capital ratio	54.1%
Solvency	72.8%
Debt / equity	0.37
Long-term debt ratio	-
Interest coverage	625.03
Gross margin	-
Net margin	-
ROA	33.1%
ROE	45.5%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €73k · 18.7% Current assets €315k · 81.3%

Equity & liabilities

Equity €282k · 72.8% Debt €106k · 27.2%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€388k
Fixed assets	21/28	€73k
Tangible fixed assets	22/27	€23k
Financial fixed assets	28	€50k
Current assets	29/58	€315k
Stocks & contracts in progress	3	€0
Amounts receivable within one year	40/41	€313k
Cash & bank	54/58	€926
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€388k
Equity	10/15	€282k
Contributions / capital	10/11	€20k
Accumulated profits (losses)	14	€262k
Amounts payable	17/49	€106k
Amounts payable within one year	42/48	€106k
Trade debts payable within one year	44	€20k
Income statement
Gross operating margin	9900	€181k
Operating result	9901	€166k
Financial income	75	€56
Financial charges	65	€270
Result before taxes	9903	€166k
Income taxes	67/77	€37k
Net result for the period	9904	€129k
Result to be appropriated	9905	€129k

You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

93 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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 des Prairies 274630 Soumagne

Establishment units

1 location

L174

Rue des Prairies 27, 4630 SoumagneVervaardiging van metalen constructiewerken en delen daarvan

since 20222.340.221.802

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area651 m²

Buildings1

Building footprint124 m²

Volume (LiDAR)674 m³

Tallest building7.8 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62099A0154/00A019	Wallonia	651 m²	1 · 124 m²	7.8 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts

All acts · 1 updated 1 year ago

2025

19-02-2025 Publication in the Belgian Official Gazette, Minor change Minor change·Anaïs SACCARO

Summary: Agm rules changeNotary: Anaïs SACCARO · Verviers

Original publication ↗

Analysis

Snowflake analysis

financial profile on 5 axes

88 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 93

Profitability 100

Solvency 100

Growth 52

Stability 94

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