ROTENBERG
ActiveROTENBERG has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €29k and a net result of €29k. Equity is shrinking by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 39% of 26062 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100=
Solvency21▼-6
Growth58=
Stability100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.85 against 0.99 in 2023), and 80.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
19.7%
Return on assets
19.9%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-07-2025, 14 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
14 d early
2023
21 d early
2022
11 d late
2021
27 d early
2020
18 d early
2019
35 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€29k▲ 0.5%
2023 · €29k
2020: €48k
2021: €25k
2022: €31k
2023: €29k
2020 → 2024
Total assets
€146k▲ 8.4%
2023 · €135k
2020: €168k
2021: €150k
2022: €111k
2023: €135k
2020 → 2024
Net result
€29k▲ 5.5%
2023 · €28k
2020: €26k
2021: €12k
2022: €6k
2023: €28k
2020 → 2024
Working capital
€-18k▼ 1,288%
2023 · €-1k
2020: €30k
2021: €-15k
2022: €-1k
2023: €-1k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€48k-€25k▼ 48.1%€31k▲ 24.1%€29k▼ 7.7%€29k▲ 0.5%
Operating result€37k-€20k▼ 46.1%€4k▼ 79.0%€38k▲ 807%€46k▲ 22.1%
Net result€26k-€12k▼ 54.6%€6k▼ 49.3%€28k▲ 359%€29k▲ 5.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 22% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €146k
Fixed assets
€50k▲ 5.6%
Current assets
€97k▲ 9.9%
Equity and liabilities €146k
Equity
€29k▲ 0.5%
Debt
€118k▲ 10.5%
The debt ratio rises from 78.8% to 80.3%: debt grows faster than equity.
Key figures and ratios
EBITDA
€70k▲
2023 · €59k
Cash flow
€53k▲
2023 · €49k
Solvency
19.7%▼
2023 · 21.2%
Current ratio
0.85▼
2023 · 0.99
Quick ratio
0.76▼
2023 · 0.93
Debt / equity
4.08▲
2023 · 3.71
ROE
101.3%▲
2023 · 96.5%
ROA
19.9%▼
2023 · 20.5%
Interest coverage
8.36▼
2023 · 58.11
Debt
€118k▲
2023 · €106k
Debt ≤ 1 year
€114k▲
2023 · €89k
Debt > 1 year
€3k▼
2023 · €17k
Income taxes
€10k▲
2023 · €9k
Staff costs
€245k▲
2023 · €172k
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 · 2024 against 2023
Balance sheet
Code20232024
Total assets
20/58€135k€146k▲
Fixed assets
21/28€47k€50k▲
Intangible fixed assets
21-€0
Tangible fixed assets
22/27€47k€50k▲
Current assets
29/58€88k€97k▲
Stocks & contracts in progress
3€5k€9k▲
Amounts receivable within one year
40/41€30k€18k▼
Investments
50/53€16k€25k▲
Cash & bank
54/58€37k€44k▲
Total equity & liabilities
10/49€135k€146k▲
Equity
10/15€29k€29k▲
Contributions / capital
10/11€20k€20k=
Reserves
13€2k€2k=
Accumulated profits (losses)
14€7k€7k▲
Amounts payable
17/49€106k€118k▲
Amounts payable after one year
17€17k€3k▼
Amounts payable within one year
42/48€89k€114k▲
Trade debts payable within one year
44€18k€35k▲
Income statement
Code20232024
Gross operating margin
9900€233k€317k▲
Operating result
9901€38k€46k▲
Financial income
75€146€892▲
Financial charges
65€1k€8k▲
Result before taxes
9903€37k€39k▲
Income taxes
67/77€9k€10k▲
Net result for the period
9904€28k€29k▲
Result to be appropriated
9905€28k€29k▲
Timeline · acts, filings and financial milestones
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €29k ▲5.5%
Operating result €46k, net result €29k, both a record.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 11 days late
2022
31-12
Financial
Weakest financial yearnet €6k ▼49.3%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
18-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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
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Of 2,382 companies in sector 47241 we hold annual accounts for 1,058. 859 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2015
Fiscal year end31-12
Activities, NACEBEL
47241Retail sale of bread and pastry (bakery outlets)
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 25-07-2026. Scores and ratios are computed by Checked and are not a credit decision.