ROXMA
ActiveSummary
ROXMA has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €185k and a net result of €-1k. Equity is growing by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 18400 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability18▼-51
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
short-term debt: 0.1% and cash: 95.6% of total assets, and 0.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
31 d late
2022
25 d late
2021
26 d late
2020
30 d late
2019
91 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€0
Total assets
€185k▼ 1.7%
2024 · €188k
2018: €212k
2019: €216k▲ +1.8% vs 2018
2020: €254k▲ +17.4% vs 2019highest in 8 years
2021: €220k▼ -13.4% vs 2020
2022: €220k▲ +0.3% vs 2021
2023: €223k▲ +1.2% vs 2022
2024: €188k▼ -15.7% vs 2023
2025: €185k▼ -1.7% vs 2024lowest in 8 years
2018 → 2025
Net result
€-1k
2024 · €489
2018: €6k
2019: €3k▼ -57.6% vs 2018
2020: €28k▲ +934% vs 2019highest in 8 years
2021: €14k▼ -51.7% vs 2020
2022: €25k▲ +88.4% vs 2021
2023: €20k▼ -22.8% vs 2022
2024: €489▼ -97.5% vs 2023
2025: €-1k▼ -375% vs 2024lowest in 8 years
2018 → 2025
Working capital
€184k▲ 1.7%
2024 · €181k
2018: €145k
2019: €152k▲ +5.1% vs 2018
2020: €162k▲ +6.5% vs 2019
2021: €99k▼ -39.0% vs 2020lowest in 8 years
2022: €127k▲ +28.0% vs 2021
2023: €151k▲ +19.1% vs 2022
2024: €181k▲ +19.8% vs 2023
2025: €184k▲ +1.7% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€140k-€166k▲ 18.2%€186k▲ 11.9%€184k▼ 0.7%€185k▲ 0.3%
2021: €140klowest in 5 years
2022: €166k▲ +18.2% vs 2021
2023: €186k▲ +11.9% vs 2022highest in 5 years
2024: €184k▼ -0.7% vs 2023
2025: €185k▲ +0.3% vs 2024
Operating result€20k-€39k▲ 96.4%€27k▼ 30.9%€3k▼ 89.5%€-3k
2021: €20k
2022: €39k▲ +96.4% vs 2021highest in 5 years
2023: €27k▼ -30.9% vs 2022
2024: €3k▼ -89.5% vs 2023
2025: €-3k▼ -195% vs 2024lowest in 5 years
Net result€14k-€25k▲ 88.4%€20k▼ 22.8%€489▼ 97.5%€-1k
2021: €14k
2022: €25k▲ +88.4% vs 2021highest in 5 years
2023: €20k▼ -22.8% vs 2022
2024: €489▼ -97.5% vs 2023
2025: €-1k▼ -375% vs 2024lowest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €3k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €185k
Fixed assets
€970 ▼ 72.3%
Current assets
€184k ▼ 0.3%
Equity and liabilities €185k
Equity
€185k ▲ 0.3%
Debt
€196 ▼ 94.9%
Debt's share of the balance-sheet total falls from 2.0% to 0.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€-144▼
2024 · €9k
Cash flow
€1k▼
2024 · €7k
Debt to equity
0.00▼
2024 · 0.02
ROE
-0.7%▼
2024 · 0.3%
ROA
-0.7%▼
2024 · 0.3%
Interest coverage
-0.27▼
2024 · 6.75
Debt ≤ 1 year
€196▼
2024 · €4k
Income taxes
€1k▼
2024 · €1k
Staff costs
€0▼
2024 · €28k
A ratio outside any meaningful range has been withheld (balance sheet total €185k, equity €185k).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€188k€185k▼
Fixed assets21/28€4k€970▼
Tangible fixed assets22/27€3k€0▼
Furniture and vehicles24€3k€0▼
Financial fixed assets28€970€970=
Current assets29/58€185k€184k▼
Stocks and contracts in progress3€0-
Stocks30/36€0-
Amounts receivable within one year40/41€4k€6k▲
Trade receivables40€692€591▼
Other amounts receivable41€3k€5k▲
Current investments50/53€150k€0▼
Cash at bank and in hand54/58€29k€177k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€188k€185k▼
Equity10/15€184k€185k▲
Contributions10/11€10k€10k=
Reserves13€174k€176k▲
Distributable reserves133€174k€176k▲
Profit (loss) carried forward14-€-1k
Amounts payable17/49€4k€196▼
Amounts payable within one year42/48€4k€196▼
Current portion of amounts payable after more than one year42€0-
Trade debts44€2k€196▼
Suppliers440/4€2k€196▼
Taxes, remuneration and social security45€42€0▼
Taxes450/3€42€0▼
Remuneration and social security454/9€0-
Other amounts payable47/48€2k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€28k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€3k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€39k€936▼
Operating profit (loss)9901€3k€-3k▼
Financial income75/76B€455€3k▲
Recurring financial income75€455€3k▲
Financial charges65/66B€1k€534▼
Recurring financial charges65€1k€534▼
Profit (loss) for the period before taxes9903€2k€-289▼
Income taxes67/77€1k€1k▼
Profit (loss) for the period9904€489€-1k▼
Profit (loss) for the period to be appropriated9905€489€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€489€-1k▼
Transfer to equity691/2€489€0▼
To other reserves6921€489€0▼
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €37k | €40k | €46k | €28k | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6k | €6k | €6k | €6k | €3k | ▼ 59.5% |
| Other operating charges640/8 | €2k | €2k | €2k | €2k | €1k | ▼ 32.1% |
| Non-recurring operating charges66A | €7k | €0 | - | - | - | - |
| Gross operating margin9900 | €73k | €86k | €80k | €39k | €936 | ▼ 97.6% |
| Operating profit (loss)9901 | €20k | €39k | €27k | €3k | €-3k | ▼ 195% |
| Financial income75/76B | €361 | €54 | €7 | €455 | €3k | ▲ 543% |
| Recurring financial income75 | €361 | €54 | €7 | €455 | €3k | ▲ 543% |
| Financial charges65/66B | €776 | €2k | €948 | €1k | €534 | ▼ 60.2% |
| Recurring financial charges65 | €776 | €2k | €948 | €1k | €534 | ▼ 60.2% |
| Profit (loss) for the period before taxes9903 | €19k | €37k | €26k | €2k | €-289 | ▼ 115% |
| Income taxes67/77 | €6k | €11k | €6k | €1k | €1k | ▼ 26.6% |
| Profit (loss) for the period9904 | €14k | €25k | €20k | €489 | €-1k | ▼ 375% |
| Profit (loss) for the period to be appropriated9905 | €14k | €25k | €20k | €489 | €-1k | ▼ 375% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €220k | €220k | €223k | €188k | €185k | ▼ 1.7% |
| Fixed assets21/28 | €47k | €41k | €35k | €4k | €970 | ▼ 72.3% |
| Tangible fixed assets22/27 | €21k | €15k | €9k | €3k | €0 | ▼ 100% |
| Furniture and vehicles24 | €21k | €15k | €9k | €3k | €0 | ▼ 100% |
| Financial fixed assets28 | €26k | €26k | €26k | €970 | €970 | = |
| Current assets29/58 | €173k | €180k | €188k | €185k | €184k | ▼ 0.3% |
| Stocks and contracts in progress3 | €40k | €56k | €54k | €0 | - | - |
| Stocks30/36 | €40k | €56k | €54k | €0 | - | - |
| Amounts receivable within one year40/41 | €36k | €34k | €26k | €4k | €6k | ▲ 38.4% |
| Trade receivables40 | €31k | €27k | €24k | €692 | €591 | ▼ 14.6% |
| Other amounts receivable41 | €5k | €7k | €3k | €3k | €5k | ▲ 49.2% |
| Current investments50/53 | - | - | - | €150k | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €95k | €88k | €107k | €29k | €177k | ▲ 509% |
| Deferred charges and accrued income490/1 | €2k | €2k | €2k | €1k | €1k | ▲ 3.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €220k | €220k | €223k | €188k | €185k | ▼ 1.7% |
| Equity10/15 | €140k | €166k | €186k | €184k | €185k | ▲ 0.3% |
| Contributions10/11 | €10k | €10k | €10k | €10k | €10k | = |
| Reserves13 | €130k | €156k | €176k | €174k | €176k | ▲ 1.1% |
| Non-distributable reserves130/1 | €2k | €0 | - | - | - | - |
| Reserves not available under the articles1311 | €2k | €0 | - | - | - | - |
| Distributable reserves133 | €129k | €156k | €176k | €174k | €176k | ▲ 1.1% |
| Profit (loss) carried forward14 | €0 | €0 | - | - | €-1k | - |
| Amounts payable17/49 | €79k | €55k | €38k | €4k | €196 | ▼ 94.9% |
| Amounts payable after more than one year17 | €6k | €2k | €0 | - | - | - |
| Financial debts170/4 | €6k | €2k | €0 | - | - | - |
| Amounts payable within one year42/48 | €74k | €53k | €38k | €4k | €196 | ▼ 94.9% |
| Current portion of amounts payable after more than one year42 | €6k | €6k | €4k | €0 | - | - |
| Financial debts43 | €0 | - | - | - | - | - |
| Other loans439 | €0 | - | - | - | - | - |
| Trade debts44 | €59k | €36k | €27k | €2k | €196 | ▼ 89.9% |
| Suppliers440/4 | €59k | €36k | €27k | €2k | €196 | ▼ 89.9% |
| Taxes, remuneration and social security45 | €8k | €10k | €7k | €42 | €0 | ▼ 100% |
| Taxes450/3 | €2k | €5k | €1k | €42 | €0 | ▼ 100% |
| Remuneration and social security454/9 | €6k | €6k | €6k | €0 | - | - |
| Other amounts payable47/48 | €0 | - | - | €2k | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €14k | €25k | €20k | €489 | €-1k | ▼ 375% |
| + Depreciation and write-downs630 | €6k | €6k | €6k | €6k | €3k | ▼ 59.5% |
| Operating cash flow (approximation) | €20k | €32k | €26k | €7k | €1k | ▼ 82.4% |
| Investment in fixed assets (approximation) | - | €-100 | €-100 | €25k | €0 | ▼ 100% |
| Change in cash | - | €-7k | €19k | €-77k | €148k | ▲ 291% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-1k
Net result drops to €-1k, the lowest in the series.
31-12
Financial
Liquidity times 20current ratio 937.41
Current ratio from 48.01 to 937.41; short-term debt falls from €4k to €196.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Liquidity times 10current ratio 48.01
Current ratio from 5.02 to 48.01; short-term debt falls from €38k to €4k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Equity above €150kEq €166k ▲18.2%
5 profitable years in a row build equity to €166k.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Highest result since 2018net €28k ▲934%
Net result €28k, the highest in the series.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
Show earlier events
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
23-06
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 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Verviers · 1 establishment unit since 2008
Ground area
2,028 m²
Building footprint
304 m²
Volume, LiDAR
2,055 m³
2 parcels, Wallonia · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Bouquette 51, 4800 Verviers
since 20082.173.931.336
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63576D0002/00C004 | Wallonia | 1,279 m² | 1 · 196 m² | 9.8 m · 3 fl. |
| 63576A0171/00Y004 | Wallonia | 748 m² | 1 · 108 m² | 7.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 10,510 companies in sector 47110 we hold annual accounts for 5,851. 4,293 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded21-10-2008
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
47241Retail sale of bread and pastry (bakery outlets)
47252Retail sale of beverages, general range
47621Retail sale of newspapers and periodicals
47750Retail sale of cosmetics and toilet articles
Scores and ratios are computed by Checked and are not a credit decision.