ROZA
ActiveROZA has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.96M and a net result of €448k. Equity is growing by ~20.1% per year across the filed fiscal years. Its solvency ranks better than 45% of 4539 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▲+5
Solvency58▲+9
Growth85=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity short (current ratio 0.23 against 0.41 in 2024; short-term debt: 38.3% and cash: 3.2% of total assets), and 66.6% 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.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
33.4%
Return on assets
7.6%
Age of the figures
9 mo
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
1 d early
2024
3 d early
2023
29 d early
2022
3 d early
2021
1 d late
2020
20 d late
2019
206 d late
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€651k▲ 8.1%
2024 · €602k
2018: €65k
2019: €75k
2020: €280k
2021: €197k
2022: €279k
2023: €442k
2024: €602k
2018 → 2025
EBIT margin
68.6%▲ 7.1pp
2024 · 61.5%
2018: 353.3%
2019: 111.7%
2020: 23.0%
2021: 50.2%
2022: 30.1%
2023: 54.7%
2024: 61.5%
2018 → 2025
Net result
€448k▲ 211%
2024 · €144k
2018: €81k
2019: €-7k
2020: €20
2021: €-2k
2022: €720k
2023: €50k
2024: €144k
2018 → 2025
Working capital
€-1.74M▼ 14.6%
2024 · €-1.52M
2018: €964k
2019: €540k
2020: €436k
2021: €-1.11M
2022: €-1.22M
2023: €-1.18M
2024: €-1.52M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€197k-€279k▲ 41.8%€442k▲ 58.1%€602k▲ 36.2%€651k▲ 8.1%
Equity€594k-€1.32M▲ 122%€1.37M▲ 3.8%€1.52M▲ 10.5%€1.96M▲ 29.5%
Operating result€99k-€84k▼ 15.0%€242k▲ 188%€370k▲ 53.1%€446k▲ 20.6%
Net result€-2k-€720k€50k▼ 93.1%€144k▲ 189%€448k▲ 211%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 21% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.89M
Fixed assets
€5.37M▲ 1.8%
Current assets
€514k▼ 51.0%
Equity and liabilities €5.89M
Equity
€1.96M▲ 29.5%
Provisions
€42k▼ 4.0%
Debt
€3.88M▼ 18.6%
The debt ratio falls from 75.3% to 65.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€640k▲
2024 · €570k
Cash flow
€642k▲
2024 · €345k
Solvency
33.4%▲
2024 · 24.0%
Current ratio
0.23▼
2024 · 0.41
Quick ratio
0.23▼
2024 · 0.41
Debt / equity
1.97▼
2024 · 3.14
ROE
22.8%▲
2024 · 9.5%
ROA
7.6%▲
2024 · 2.3%
Interest coverage
7.90▲
2024 · 6.01
Debt
€3.88M▼
2024 · €4.76M
Debt ≤ 1 year
€2.26M▼
2024 · €2.57M
Debt > 1 year
€1.62M▼
2024 · €2.19M
Income taxes
€105k▲
2024 · €82k
Staff costs
€0▼
2024 · €2k
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€6.32M€5.89M▼
Fixed assets21/28€5.28M€5.37M▲
Intangible fixed assets21€3k€1k▼
Tangible fixed assets22/27€4.58M€4.95M▲
Land and buildings22€4.57M€4.93M▲
Plant, machinery and equipment23€504€3k▲
Furniture and vehicles24-€1k
Other tangible fixed assets26€10k€8k▼
Financial fixed assets28€695k€424k▼
Affiliated companies280/1€695k€423k▼
Participating interests280€695k€423k▼
Other financial fixed assets284/8-€1k
Amounts receivable and cash guarantees285/8-€1k
Current assets29/58€1.05M€514k▼
Stocks and contracts in progress3€0€0=
Amounts receivable within one year40/41€723k€292k▼
Trade receivables40€10k€152k▲
Other amounts receivable41€713k€140k▼
Cash at bank and in hand54/58€290k€187k▼
Deferred charges and accrued income490/1€36k€35k▼
Equity and liabilities
Total equity and liabilities10/49€6.32M€5.89M▼
Equity10/15€1.52M€1.96M▲
Contributions10/11€435k€435k=
Reserves13€140k€1.53M▲
Tax-exempt reserves132€133k€134k▲
Distributable reserves133€8k€1.40M▲
Profit (loss) carried forward14€941k€0▼
Provisions and deferred taxes16€44k€42k▼
Deferred taxes168€44k€42k▼
Amounts payable17/49€4.76M€3.88M▼
Amounts payable after more than one year17€2.19M€1.62M▼
Financial debts170/4€2.19M€1.62M▼
Credit institutions173€2.19M€1.62M▼
Amounts payable within one year42/48€2.57M€2.26M▼
Current portion of amounts payable after more than one year42€576k€587k▲
Financial debts43€38k€38k▲
Credit institutions430/8€38k€38k▲
Trade debts44€58k€473k▲
Suppliers440/4€58k€473k▲
Taxes, remuneration and social security45€3k€22k▲
Taxes450/3€3k€22k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€1.89M€1.13M▼
Accrued charges and deferred income492/3€3k€4k▲
Income statement
Code20242025
Operating income70/76A€1.00M€1.18M▲
Turnover70€602k€651k▲
Other operating income74€400k€527k▲
Non-recurring operating income76A-€3k
Operating charges60/66A€632k€735k▲
Goods for resale, raw materials and consumables60€29k€98k▲
Purchases600/8€29k€98k▲
Change in stocks: decrease (increase)609€0-
Services and other goods61€344k€382k▲
Remuneration, social security and pensions62€2k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€200k€194k▼
Other operating charges640/8€56k€62k▲
Operating profit (loss)9901€370k€446k▲
Financial income75/76B€18k€239k▲
Recurring financial income75€18k€239k▲
Income from financial fixed assets750€401€29▼
Other financial income752/9€17k€239k▲
Financial charges65/66B€164k€134k▼
Recurring financial charges65€164k€134k▼
Debt charges650€95k€81k▼
Other financial charges652/9€69k€53k▼
Profit (loss) for the period before taxes9903€224k€552k▲
Transfer from deferred taxes780€2k€2k=
Income taxes67/77€82k€105k▲
Taxes670/3€82k€105k▲
Tax adjustments and reversals of tax provisions77€68€0▼
Profit (loss) for the period9904€144k€448k▲
Transfer from tax-exempt reserves789€5k€5k=
Transfer to tax-exempt reserves689-€7k
Profit (loss) for the period to be appropriated9905€150k€447k▲
Appropriation of the result
Profit (loss) to be appropriated9906€941k€1.39M▲
Profit (loss) brought forward from the previous period14P€792k€941k▲
Transfer to equity691/2-€1.39M
To other reserves6921-€1.39M
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (86 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
23-01
State Gazette act
General meeting · Auditor reappointment
Merger · Accounting effect
23-01
State Gazette act
Merger · Accounting effect
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €720k
Net result €720k after one loss-making year.
31-12
Financial
Equity above €1MEq €1.32M ▲122%
Equity rises from €594k to €1.32M.
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 1 day late
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 20 days late
22-02
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 206 days late
2020
31-12
Financial
Back to profitnet €20
Net result €20 after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 2 days late
2019
31-12
Financial
Weakest financial yearnet €-7k ▼108%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
02-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 2 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
13 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, Sint-Genesius-Rode · 1 establishment unit since 2011
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Dallaan 381640 Sint-Genesius-RodeGround area
1,010 m²
Building footprint
184 m²
Volume, LiDAR
1,008 m³
Parcel 22004A0041/00B011, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ROZA
since 20112.205.825.728
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22004A0041/00B011 | Flanders | 1,009 m² | 1 · 184 m² | 8.5 m · 2 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.
Similar companies · same sector, comparable size
JOCHEMS RUDI
BE 0886.235.352
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HELLINGS TRADING COMPANY
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Bree · Eq €1.97M
FRANOTEX
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Oostkamp · Eq €1.97M
SKIMMO
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Antwerpen · Eq €1.96M
COMARO
BE 0448.013.801
As · Eq €1.96M
Of 7,321 companies in sector 68110 we hold annual accounts for 5,382. 2,674 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-12-2011
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
68110Buying and selling of own real estate
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.