SUN & ROOF CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of SUN & ROOF CONSTRUCT is 2.9% (moderate). The annual accounts of SUN & ROOF CONSTRUCT for fiscal year 2025 show a net loss of 77% of total assets and of 102% of the equity at the start of that year. The 2025 annual accounts show equity of €7k and a net result of €-14k. Equity is shrinking by ~37.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 47% of 4422 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
43
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency63▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.83 against 1.37 in 2024; short-term debt: 62.3% and cash: 32.5% of total assets), and 62.3% 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.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 81
Relative position
BE, all sectors
reference
Sector 81
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 2025Solvency, return and age of the figures
Solvency
37.7%
Return on assets
-77%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2122232425
2021 to 2025 · latest year €-14k
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 24-07-2026, 7 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
7 d early
2024
3 d early
2023
21 d late
2022
14 d early
2021
59 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€7k▼ 50.0%
2024 · €13k
2021: €343
2022: €24k
2023: €19k
2024: €13k
2021 → 2025
Total assets
€18k▼ 52.1%
2024 · €37k
2021: €16k
2022: €40k
2023: €31k
2024: €37k
2021 → 2025
Net result
€-14k▼ 145%
2024 · €-6k
2021: €-3k
2022: €24k
2023: €-5k
2024: €-6k
2021 → 2025
Working capital
€-2k
2024 · €9k
2021: €-176
2022: €16k
2023: €11k
2024: €9k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€343-€24k▲ 6,895%€19k▼ 20.4%€13k▼ 29.4%€7k▼ 50.0%
Operating result€8k-€32k▲ 309%€-12k€-5k▲ 56.9%€-14k▼ 159%
Net result€-3k-€24k€-5k€-6k▼ 14.7%€-14k▼ 145%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €14k in 2025 against €5k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €18k
Fixed assets
€9k▲ 84.7%
Current assets
€9k▼ 71.7%
Equity and liabilities €18k
Equity
€7k▼ 50.0%
Debt
€11k▼ 53.3%
The debt ratio falls from 63.8% to 62.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-9k▼
2024 · €-1k
Cash flow
€-10k▼
2024 · €-2k
Solvency
37.7%▲
2024 · 36.2%
Current ratio
0.83▼
2024 · 1.37
Quick ratio
0.83▼
2024 · 1.37
Debt / equity
1.65▼
2024 · 1.77
ROE
-204.0%▼
2024 · -41.7%
ROA
-77.0%▼
2024 · -15.1%
Interest coverage
-45.39▼
2024 · -2.78
Debt
€11k▼
2024 · €24k
Debt ≤ 1 year
€11k▼
2024 · €24k
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€37k€18k▼
Fixed assets21/28€5k€9k▲
Tangible fixed assets22/27€5k€9k▲
Plant, machinery and equipment23€300€760▲
Furniture and vehicles24€4k€8k▲
Current assets29/58€33k€9k▼
Amounts receivable within one year40/41€31k€3k▼
Trade receivables40€18k€350▼
Other amounts receivable41€14k€2k▼
Cash at bank and in hand54/58-€6k
Deferred charges and accrued income490/1€1k€888▼
Equity and liabilities
Total equity and liabilities10/49€37k€18k▼
Equity10/15€13k€7k▼
Contributions10/11€3k€3k=
Reserves13€10k€10k=
Distributable reserves133€10k€10k=
Profit (loss) carried forward14€458€-6k▼
Amounts payable17/49€24k€11k▼
Amounts payable within one year42/48€24k€11k▼
Financial debts43€14k€0▼
Credit institutions430/8€14k€0▼
Trade debts44€3k€1k▼
Suppliers440/4€3k€1k▼
Other amounts payable47/48€6k€10k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€619€965▲
Gross operating margin9900€-785€-8k▼
Operating profit (loss)9901€-5k€-14k▼
Financial income75/76B€116€0▼
Recurring financial income75€116€0▼
Financial charges65/66B€504€208▼
Recurring financial charges65€504€208▼
Profit (loss) for the period before taxes9903€-6k€-14k▼
Profit (loss) for the period9904€-6k€-14k▼
Profit (loss) for the period to be appropriated9905€-6k€-14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€-13k▼
Profit (loss) brought forward from the previous period14P€570€458▼
Transfer from equity791/2€6k€0▼
Shareholders' contribution to the loss794-€7k
The notes to these accounts (9 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Hasselt · 1 establishment unit since 2020
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.
Kuilenstraat 243500 HasseltGround area
1,008 m²
Building footprint
157 m²
Volume, LiDAR
799 m³
Parcel 71323C0576/00H000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SUN & ROOF CONSTRUCT
since 20202.300.831.387
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71323C0576/00H000 | Flanders | 1,008 m² | 1 · 157 m² | 7.8 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.
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Of 7,009 companies in sector 81220 we hold annual accounts for 2,413. 1,175 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-04-2020
Fiscal year end31-12
Activities, NACEBEL
43992Specialised construction activities
81220Other building cleaning and industrial cleaning
27110Manufacture of electrical equipment
43230Insulation installation
43291Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.