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Rosa

Active
Private limited company·Detailhandel in motorbrandstoffen· 6 yrs active
Assesteenweg 250 ·1742 Ternat, Belgium
KBO/BCE: BE 0751.629.145
Watch Print / PDF
Belgian State Gazette acts: 0 of 5 read
Age6 yrs
Board2
Real estate1 parcel · 1,747 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Rosa is 4.5% (elevated). The 2022 annual accounts show equity of €4k and a net result of €-6k. The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
4.5% Elevated
0%0,5%1,5%4%10%≥25%
Annual accounts: weaker financial profile +Young company +Higher-failure-rate sector +

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

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, 17 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.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-07-2025, 8 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 4 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 23-07-2025 8 d early 2025-00298850
31-12-2023 31-07-2024 19-07-2024 12 d early 2024-00275266
31-12-2022 31-07-2023 03-10-2023 64 d late 2023-00467369
31-12-2021 31-07-2022 17-01-2023 170 d late 2023-20558772

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 2020, 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.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-6k
Working capital€4k-59.5%

Annual accounts & ratios

Source: NBB · 2022
Annual accounts filed on 23-07-2025 with the NBB · fiscal year 2024 · micro
€-10k€-5k€0€5kOperating result 2021: €7k€7kNet result 2021: €6k€6kOperating result 2022: €-6k€-6kNet result 2022: €-6k€-6k20212022
Operating resultNet result
EBITDA
€-5k
- 21-22
Net profit
€-6k
- 21-22
Cash flow
€-6k
- 21-22
Total assets
€48k
+6.3% 21-22
Equity
€4k
-57.8% 21-22
Working capital
€4k
-59.5% 21-22
Employees (FTE)
2
+42.9% 21-22
Staff costs
€52k
-14.5% 21-22
Show 10 other metrics
Income taxes
€1k
- 21-22
Debt
€44k
+25.8% 21-22
Debt ≤ 1y
€44k
+25.8% 21-22
Current ratio
1.09
-14.9% 21-22
Quick ratio
1.09
-14.9% 21-22
Solvency
9.2%
-60.3% 21-22
Debt / equity
9.82
+198.1% 21-22
ROE
-137.1%
- 21-22
ROA
-12.7%
- 21-22
Interest coverage
-15.77
- 21-22
Figures by fiscal year
Fiscal year2022
Depositmicro
Revenue-
EBITDA€-5k
Net profit€-6k
Cash flow€-6k
Staff costs€52k
Income taxes-
Dividends-
Total assets€48k
Equity€4k
Debt€44k
of which ≤ 1y€44k
of which > 1y-
Working capital€4k
Employees (FTE)2.0
Ratios (computed)
2022
Current ratio1.09
Quick ratio1.09
Working capital ratio8.2%
Solvency9.2%
Debt / equity9.82
Long-term debt ratio-
Interest coverage-15.77
Gross margin-
Net margin-
ROA-12.7%
ROE-137.1%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2022
Full annual accounts (20 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2022
Balance sheet, Assets
TOTAL ASSETS 20/58€48k
Fixed assets 21/28€500
Tangible fixed assets 22/27€500
Current assets 29/58€47k
Amounts receivable within one year 40/41€47k
Cash & bank 54/58€13
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€48k
Equity 10/15€4k
Contributions / capital 10/11€5k
Accumulated profits (losses) 14€-564
Amounts payable 17/49€44k
Amounts payable within one year 42/48€44k
Trade debts payable within one year 44€34k
Income statement
Gross operating margin 9900€47k
Operating result 9901€-6k
Financial income 75€18
Financial charges 65€347
Result before taxes 9903€-6k
Net result for the period 9904€-6k
Result to be appropriated 9905€-6k
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2022 · computed
27 / 100 Weak
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.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2022. Indicative, not credit advice.

Directors

Directors & mandates

4 directors
5 of this company's 5 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.
Current directors & mandates
  • Cheema Ahmed Zafar
    Director
    State Gazette act 24036758 (29-02-2024)
    Current
    29-02-2024 → present
  • Quadri Sajid
    Director
    State Gazette act 24036758 (29-02-2024)
    Current
    29-02-2024 → present
Former directors (2)
  • Rroca Xhevahir
    Director
    State Gazette act 24036758 (29-02-2024)
    Former
    - → 15-09-2023
  • Islam Rafiqul
    Director
    State Gazette act 23031959 (06-03-2023)
    Former
    - → 02-12-2022
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary Detailhandel in motorbrandstoffen(47300)
Legal form Private limited company(610)
Incorporation30-07-2020
StatusActive
Postal code1742

Structure & network

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap
2 companies at this address See who is registered here

Establishment units

1 location
Rosa
Assesteenweg 250, 1742 TernatDetailhandel in brandstoffen (inclusief LPG) voor auto's en motorrijwielen
since 20202.305.643.082
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,747 m²
Buildings1
Building footprint207 m²
Volume (LiDAR)954 m³
Tallest building5.2 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.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23071C0796/00E000 Flanders 1,747 m² 1 · 207 m² 5.2 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

3 acts
Capital history · 1
29-02-2024
Capital change
Address history · 1
02-01-2025
Registered-office move
All acts · 3 updated 1 year ago
2025
02-01-2025 Registered office moved from Gent to Ternat Registered-office change
  • Oudenaardsesteenweg 54, 9000 Gent → Assesteenweg 250, 1742 Ternat
2024
29-02-2024 Transaction in capital or shares Capital & shares
2023
06-03-2023 Islam Rafiqul resigns as director Director changes
  • Islam Rafiqul, Bestuurder

Analysis

Financial profile

5 of 5 axes measured
Health27Profitability0Solvency19Growth32Stability100
36 / 100

Fragile profile, watch profitability in particular.

All 5 axes are computed from data Checked has read.

Health 27
Profitability 0
Solvency 19
Growth 32
Stability 100

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 167 of the 1,267 companies in this sector. 69 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Detailhandel in motorbrandstoffen in gespecialiseerde winkels47300Detailhandel in motorbrandstoffen47300
Primary activity highlighted.
Names & trade names
Legal nameNL Rosa
Registered office
Assesteenweg 250
1742 Ternat, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.