Wasserij St Roch
ActiveWasserij St Roch has been active since 1974 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €195k and a net result of €38k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 31% of 1033 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▲+8
Solvency36=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity short (current ratio 0.57 against 0.58 in 2024; short-term debt: 54.5% and cash: 9.4% of total assets), and 89.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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
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
10.7%
Return on assets
2.1%
Age of the figures
9 mo
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
3 d early
2023
20 d early
2022
6 d early
2021
4 d early
2020
26 d early
2019
38 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€195k▲ 24.2%
2024 · €157k
2018: €125k
2019: €161k
2020: €317k
2021: €417k
2022: €238k
2023: €222k
2024: €157k
2018 → 2025
Total assets
€1.83M▲ 24.5%
2024 · €1.47M
2018: €1.63M
2019: €1.44M
2020: €1.63M
2021: €1.55M
2022: €1.44M
2023: €1.53M
2024: €1.47M
2018 → 2025
Net result
€38k
2024 · €-64k
2018: €128k
2019: €138k
2020: €207k
2021: €100k
2022: €-179k
2023: €-16k
2024: €-64k
2018 → 2025
Working capital
€-425k▼ 7.1%
2024 · €-397k
2018: €-325k
2019: €-277k
2020: €-70k
2021: €-153k
2022: €-313k
2023: €-315k
2024: €-397k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€417k-€238k▼ 43.0%€222k▼ 6.7%€157k▼ 29.1%€195k▲ 24.2%
Operating result€137k-€-158k€15k€-20k€92k
Net result€100k-€-179k€-16k▲ 91.3%€-64k▼ 311%€38k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €92k after a loss of €20k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.83M
Fixed assets
€1.26M▲ 37.2%
Current assets
€570k▲ 3.4%
Equity and liabilities €1.83M
Equity
€195k▲ 24.2%
Debt
€1.63M▲ 24.6%
The debt ratio stays at 89.3%.
Key figures and ratios
EBITDA
€365k▲
2024 · €287k
Cash flow
€311k▲
2024 · €243k
Solvency
10.7%▼
2024 · 10.7%
Current ratio
0.57▼
2024 · 0.58
Quick ratio
0.55▼
2024 · 0.56
Debt / equity
8.36▲
2024 · 8.33
ROE
19.5%▲
2024 · -40.7%
ROA
2.1%▲
2024 · -4.4%
Interest coverage
6.72▲
2024 · 6.43
Debt
€1.63M▲
2024 · €1.31M
Debt ≤ 1 year
€995k▲
2024 · €948k
Debt > 1 year
€635k▲
2024 · €361k
Income taxes
€65▼
2024 · €400
Staff costs
€872k▲
2024 · €864k
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€1.47M€1.83M▲
Fixed assets21/28€915k€1.26M▲
Intangible fixed assets21€89k€147k▲
Tangible fixed assets22/27€825k€1.11M▲
Land and buildings22€403k€373k▼
Plant, machinery and equipment23€144k€141k▼
Furniture and vehicles24€3k€1k▼
Leasing and similar rights25€21k€425k▲
Other tangible fixed assets26€253k€168k▼
Current assets29/58€552k€570k▲
Stocks and contracts in progress3€21k€27k▲
Stocks30/36€21k€27k▲
Amounts receivable within one year40/41€411k€344k▼
Trade receivables40€410k€341k▼
Other amounts receivable41€1k€3k▲
Cash at bank and in hand54/58€92k€171k▲
Deferred charges and accrued income490/1€27k€28k▲
Equity and liabilities
Total equity and liabilities10/49€1.47M€1.83M▲
Equity10/15€157k€195k▲
Contributions10/11€57k€57k=
Reserves13€101k€139k▲
Tax-exempt reserves132€2k€2k=
Distributable reserves133€99k€137k▲
Investment grants15€0-
Provisions and deferred taxes16€0-
Deferred taxes168€0-
Amounts payable17/49€1.31M€1.63M▲
Amounts payable after more than one year17€361k€635k▲
Financial debts170/4€361k€635k▲
Amounts payable within one year42/48€948k€995k▲
Current portion of amounts payable after more than one year42€199k€331k▲
Financial debts43€344k€283k▼
Credit institutions430/8€344k€283k▼
Trade debts44€281k€238k▼
Suppliers440/4€281k€238k▼
Taxes, remuneration and social security45€124k€142k▲
Taxes450/3€18k€29k▲
Remuneration and social security454/9€106k€113k▲
Other amounts payable47/48€334€957▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€864k€872k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€307k€273k▼
Other operating charges640/8€36k€32k▼
Non-recurring operating charges66A€8k€0▼
Gross operating margin9900€1.20M€1.27M▲
Operating profit (loss)9901€-20k€92k▲
Financial income75/76B€708€0▼
Recurring financial income75€708€0▼
Financial charges65/66B€45k€54k▲
Recurring financial charges65€45k€54k▲
Profit (loss) for the period before taxes9903€-64k€38k▲
Transfer from deferred taxes780€255€0▼
Income taxes67/77€400€65▼
Profit (loss) for the period9904€-64k€38k▲
Profit (loss) for the period to be appropriated9905€-64k€38k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-64k€38k▲
Transfer from equity791/2€64k€0▼
Transfer to equity691/2-€38k
To other reserves6921-€38k
Social balance
Average headcount (FTE)908719.820.0▲
The notes to these accounts (27 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
04-08
State Gazette act
Resignations & appointmentsGeneral meeting · Director appointment · Permanent representative5 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director appointment · Permanent representative5 facts ▸
- General meeting, 15/07/2026
- Director appointment, Fiveco Consult (bestuurder)
- Permanent representative, Jente Haegeman
- Mandate compensation, Fiveco Consult
- Permanent representative, Philippe Haegeman
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €38k
Net result €38k after 3 loss-making years.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-179k ▼279%
Net result drops to €-179k, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €207k ▲49.6%
Operating result €273k, net result €207k, both a record.
31-12
Financial
Equity above €200kEq €317k ▲97.1%
3 profitable years in a row build equity to €317k.
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €150kEq €161k ▲28.3%
2 profitable years in a row build equity to €161k.
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
18-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
12-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2026
Fiveco Consult
CurrentDirector · since 15-07-2026 · Private limited company · perm. rep.: Jente Haegeman
15-07-2026
Appointed as Director
Location & real-estate footprint
Registered office, Halle · 1 establishment unit since 1975
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.
Zinkstraat 91500 HalleGround area
4,654 m²
Building footprint
1,578 m²
Volume, LiDAR
11,084 m³
2 parcels, Flanders · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
WASSERIJ ST ROCH
since 19752.010.512.763
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23027D0387/00C000 | Flanders | 4,541 m² | 1 · 1,517 m² | 9.0 m · 2 fl. |
| 23412I0253/00D011 | Flanders | 113 m² | 1 · 61 m² | 10.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Ownership & control
1 partyControl over this companysits on this company's board1
1 subsidiary · 1 location
controls
Wasserij St RochBE 0414.622.243
Public money · subsidies and aid
Flemish government
2022 to 2025 · 7 entries · 39,585 EUR awarded · 39,585 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 11,298 EUR | 11,298 EUR |
| 2024 | 2 | 15,469 EUR | 15,469 EUR |
| 2023 | 2 | 12,008 EUR | 12,008 EUR |
| 2022 | 1 | 810 EUR | 810 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,001 companies in sector 96102 we hold annual accounts for 460. 308 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-11-1974
Fiscal year end31-12
Activities, NACEBEL
93011
93012
96101Personal service activities
96102Launderettes and laundries for private customers
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.