ROSMAN JP
ActiveROSMAN JP has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €124k and a net result of €17k. Equity is shrinking by ~5.8% per year across the filed fiscal years. Its solvency ranks better than 89% of 18207 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+9
Solvency100▲+9
Growth58=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 5.71 against 2.69 in 2024; short-term debt: 16.6% and cash: 22.6% of total assets), and 16.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
83.4%
Return on assets
11.3%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
26 d late
2024
20 d early
2023
20 d early
2022
25 d early
2021
4 d early
2020
17 d late
2019
32 d early
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€124k▲ 15.6%
2024 · €107k
2018: €157k
2019: €163k
2020: €204k
2021: €168k
2022: €153k
2023: €130k
2024: €107k
2018 → 2025
Total assets
€149k▼ 8.7%
2024 · €163k
2018: €228k
2019: €232k
2020: €254k
2021: €265k
2022: €241k
2023: €213k
2024: €163k
2018 → 2025
Net result
€17k▲ 133%
2024 · €7k
2018: €813
2019: €6k
2020: €41k
2021: €25k
2022: €35k
2023: €37k
2024: €7k
2018 → 2025
Working capital
€117k▲ 23.4%
2024 · €95k
2018: €152k
2019: €158k
2020: €194k
2021: €149k
2022: €136k
2023: €106k
2024: €95k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€168k-€153k▼ 8.8%€130k▼ 15.2%€107k▼ 17.5%€124k▲ 15.6%
Operating result€32k-€48k▲ 51.4%€50k▲ 3.7%€14k▼ 72.2%€28k▲ 104%
Net result€25k-€35k▲ 43.2%€37k▲ 5.8%€7k▼ 80.7%€17k▲ 133%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 104% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €149k
Fixed assets
€7k▼ 41.8%
Current assets
€141k▼ 5.9%
Equity and liabilities €149k
Equity
€124k▲ 15.6%
Debt
€25k▼ 55.6%
The debt ratio falls from 34.2% to 16.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€34k▲
2024 · €27k
Cash flow
€22k▲
2024 · €20k
Solvency
83.4%▲
2024 · 65.8%
Current ratio
5.71▲
2024 · 2.69
Quick ratio
2.95▲
2024 · 1.58
Debt / equity
0.20▼
2024 · 0.52
ROE
13.5%▲
2024 · 6.7%
ROA
11.3%▲
2024 · 4.4%
Interest coverage
30.35▲
2024 · 18.53
Debt
€25k▼
2024 · €56k
Debt ≤ 1 year
€25k▼
2024 · €56k
Income taxes
€11k▲
2024 · €5k
Staff costs
€53k▲
2024 · €48k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€163k€149k▼
Fixed assets21/28€13k€7k▼
Tangible fixed assets22/27€13k€7k▼
Plant, machinery and equipment23€11k€7k▼
Furniture and vehicles24€2k€437▼
Current assets29/58€150k€141k▼
Stocks and contracts in progress3€62k€68k▲
Stocks30/36€62k€68k▲
Amounts receivable within one year40/41€24k€36k▲
Trade receivables40€18k€29k▲
Other amounts receivable41€6k€6k▼
Cash at bank and in hand54/58€58k€34k▼
Deferred charges and accrued income490/1€6k€4k▼
Equity and liabilities
Total equity and liabilities10/49€163k€149k▼
Equity10/15€107k€124k▲
Contributions10/11€15k€15k=
Reserves13€9k€26k▲
Distributable reserves133€9k€26k▲
Profit (loss) carried forward14€84k€84k=
Amounts payable17/49€56k€25k▼
Amounts payable within one year42/48€56k€25k▼
Current portion of amounts payable after more than one year42€1k€0▼
Trade debts44€8k€13k▲
Suppliers440/4€8k€13k▲
Taxes, remuneration and social security45€16k€12k▼
Taxes450/3€10k€7k▼
Remuneration and social security454/9€6k€4k▼
Other amounts payable47/48€30k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€48k€53k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€5k▼
Other operating charges640/8€5k€5k▼
Gross operating margin9900€80k€92k▲
Operating profit (loss)9901€14k€28k▲
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€12k€27k▲
Income taxes67/77€5k€11k▲
Profit (loss) for the period9904€7k€17k▲
Profit (loss) for the period to be appropriated9905€7k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€121k€101k▼
Profit (loss) brought forward from the previous period14P€114k€84k▼
Transfer to equity691/2€7k€17k▲
To other reserves6921€7k€17k▲
Profit to be distributed694/7€30k€0▼
Return on contributions (dividend)694€30k€0▼
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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 5.71
Current ratio from 2.69 to 5.71; short-term debt falls from €56k to €25k.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
31-12
Financial
Highest result since 2018net €41k ▲593%
Operating result €58k, net result €41k, both a record.
31-12
Financial
Equity above €200kEq €204k ▲25.3%
3 profitable years in a row build equity to €204k.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 21 days late
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Nivelles · 1 establishment unit since 1998
Ground area
634 m²
Building footprint
171 m²
Volume, LiDAR
504 m³
Parcel 25782D0790/00K000, Wallonia · tallest building 10.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Boulevard Charles-Vanpée 4, 1400 Nivelles
since 19982.088.378.722
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25782D0790/00K000 | Wallonia | 634 m² | 1 · 171 m² | 10.5 m · 1 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.
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Of 10,672 companies in sector 47811 we hold annual accounts for 5,222. 3,690 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-08-1998
Fiscal year end31-12
Abbreviation FR
JPR
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50103
71100
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.