Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 17 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
ROLAND SCHAMP ET FILS from Charleroi, company number BE0438074962, closed financial year 2025 with a result of € -3,619 after tax. For that financial year ROLAND SCHAMP ET FILS recorded a gross margin of € 457,217 and equity of € 622,581. Compared with financial year 2024, the result moved from € 6,448 to € -3,619. The company made a loss. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on September 30, 2026.
€ 622,581
▼ 1% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -3,619
▼ still € 6,448 profit in 2024
Profit after tax over the fiscal year.
€ 15,866
▲ 6% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 560,581.
People and assets in 2025
0
Average over the fiscal year, from the social balance sheet.
€ 2,129
▼ 82% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 2.1 million
▼ 7% vs 2024
€ 520,407 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 309,710
▼ 56% vs 2024
Supplier invoices still open on the last day of the fiscal year.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 2,615,083 | € 2,280,100 | € 462,151 | € 457,217 | ▼ 1% |
| Profit after taxes | € 86,207 | € 55,597 | € 6,448 | € -3,619 | ▼ € 10,067 |
| Equity | € 564,155 | € 619,752 | € 626,200 | € 622,581 | ▼ 1% |
| Total debts | € 3,617,085 | € 4,214,534 | € 2,999,542 | € 2,438,508 | ▼ 19% |
| Cash | € 102,773 | € 130,499 | € 14,915 | € 15,866 | ▲ 6% |
| Land & buildings | € 509,282 | € 828,914 | € 799,337 | € 769,761 | ▼ 4% |
| Retained profit | € 502,155 | € 557,752 | € 564,200 | € 560,581 | ▼ 1% |
| Bank debt | € 2,194,352 | € 2,646,337 | € 2,258,087 | € 2,099,992 | ▼ 7% |
| Balance sheet total | € 4,181,240 | € 4,834,286 | € 3,625,742 | € 3,061,089 | ▼ 16% |
| Employees (FTE) | 59.1 | 45.1 | 0 | 0 |
Key figures of ROLAND SCHAMP ET FILS, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to ROLAND SCHAMP ET FILS?
What happened at ROLAND SCHAMP ET FILS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 3,619 (▼ € 10,067 vs 2024). filed late Source: NBB ↗
- DSV HOLDING stepped down as director. NBB
- Sandro TASILLO stepped down as director. NBB
- Virginie GILOT stepped down as director. NBB
- DSV HOLDING became a director. NBB
- Sandro TASILLO became a director. NBB
- Virginie GILOT became a director. NBB
- New establishment in Charleroi. KBO
In short
From € 86,207 profit in 2022 to € 3,619 loss in 2025.
Best year ever: 2022, with € 86,207 profit.
On average € 50,600 of value added per employee in 2023.
Management
The stake of DSV HOLDING comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
ROLAND SCHAMP ET FILSThe shares are held by DSV HOLDING (100%).
Directors
According to the 2025 annual accounts
since 2019 · until 2025
since 2019 · until 2025
since 2019 · until 2025
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue des Hiercheuses 2B
6001 Charleroi
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0438.074.962
- VAT number
- BE 0438.074.962
- Registered office
- Rue des Hiercheuses 2B, 6001 Charleroi
- Names & denominations
- ROLAND SCHAMP ET FILS
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 26 July 1989
- Peppol
- Active · Active since 6 Oct 2025
- Activities · NACE
Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk
Artisanale brood- en banketbakkerijen