C. ROCHA
ActiveC. ROCHA has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €42k and a net result of €42k. Equity is shrinking by ~9.9% per year across the filed fiscal years. Its solvency ranks better than 27% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability55▲+47
Solvency31▲+6
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity short (current ratio 0.62 against 0.34 in 2023; short-term debt: 53% and cash: 1.1% of total assets), and 93.9% 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.
+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 · 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 · 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
6.1%
Return on assets
6.1%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 08-12-2025, 130 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
130 d late
2023
68 d late
2022
4 d late
2021
285 d late
2020
726 d late
2019
1091 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€42k▲ 14,458%
2023 · €290
2019: €48k
2020: €39k
2021: €60k
2022: €51k
2023: €290
2019 → 2024
Total assets
€687k▲ 18.8%
2023 · €578k
2019: €199k
2020: €186k
2021: €191k
2022: €187k
2023: €578k
2019 → 2024
Net result
€42k
2023 · €-51k
2019: €29k
2020: €-9k
2021: €21k
2022: €-9k
2023: €-51k
2019 → 2024
Working capital
€-138k▲ 25.6%
2023 · €-185k
2019: €-5k
2020: €-3k
2021: €-24k
2022: €-50k
2023: €-185k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€39k-€60k▲ 55.1%€51k▼ 15.4%€290▼ 99.4%€42k▲ 14,458%
Operating result€-7k-€23k€-2k€-37k▼ 1,554%€71k
Net result€-9k-€21k€-9k€-51k▼ 447%€42k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €71k after a loss of €37k in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €687k
Fixed assets
€460k▼ 4.8%
Current assets
€226k▲ 139%
Equity and liabilities €687k
Equity
€42k▲ 14,458%
Debt
€645k▲ 11.5%
The debt ratio falls from 99.9% to 93.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€101k▲
2023 · €-13k
Cash flow
€72k▲
2023 · €-27k
Solvency
6.1%▲
2023 · 0.1%
Current ratio
0.62▲
2023 · 0.34
Quick ratio
0.62▲
2023 · 0.34
Debt / equity
15.27
ROE
99.3%
ROA
6.1%▲
2023 · -8.8%
Interest coverage
3.48▲
2023 · -1.26
Debt
€645k▲
2023 · €578k
Debt ≤ 1 year
€364k▲
2023 · €280k
Debt > 1 year
€281k▼
2023 · €296k
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
Assets
Total assets20/58€578k€687k▲
Fixed assets21/28€483k€460k▼
Intangible fixed assets21€75k€60k▼
Tangible fixed assets22/27€408k€400k▼
Land and buildings22€392k€380k▼
Furniture and vehicles24€5k€10k▲
Other tangible fixed assets26€11k€10k▼
Current assets29/58€95k€226k▲
Stocks and contracts in progress3€344€344=
Contracts in progress37€344€344=
Amounts receivable within one year40/41€82k€217k▲
Trade receivables40€82k€213k▲
Other amounts receivable41€26€4k▲
Cash at bank and in hand54/58€12k€7k▼
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€578k€687k▲
Equity10/15€290€42k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-18k€24k▲
Amounts payable17/49€578k€645k▲
Amounts payable after more than one year17€296k€281k▼
Financial debts170/4€296k€281k▼
Amounts payable within one year42/48€280k€364k▲
Current portion of amounts payable after more than one year42€16k€16k=
Trade debts44€57k€48k▼
Suppliers440/4€57k€48k▼
Advances received on contracts in progress46€53k€144k▲
Taxes, remuneration and social security45€1k-
Taxes450/3€1k-
Other amounts payable47/48€152k€157k▲
Accrued charges and deferred income492/3€2k€0▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€30k▲
Other operating charges640/8€2k€4k▲
Gross operating margin9900€-11k€105k▲
Operating profit (loss)9901€-37k€71k▲
Financial charges65/66B€10k€29k▲
Recurring financial charges65€10k€29k▲
Profit (loss) for the period before taxes9903€-47k€42k▲
Income taxes67/77€4k-
Profit (loss) for the period9904€-51k€42k▲
Profit (loss) for the period to be appropriated9905€-51k€42k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-18k€24k▲
Profit (loss) brought forward from the previous period14P€33k€-18k▼
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
2025
08-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 130 days late
2024
31-12
Financial
Back to profitnet €42k
Net result €42k after 2 loss-making years.
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
31-12
Financial
Weakest financial yearnet €-51k
Net result drops to €-51k, the lowest in the series; recovery starts the following year.
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 726 days late
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 1091 days late
12-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 285 days late
2021
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
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, Dilbeek · 1 establishment unit since 2018
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.
Jan De Trochstraat 111703 DilbeekGround area
596 m²
Building footprint
209 m²
Volume, LiDAR
1,297 m³
2 parcels, Brussels, Flanders · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
C. ROCHA
since 20182.282.773.947
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23070D0230/00K002 | Flanders | 480 m² | 1 · 134 m² | 9.7 m · 1 fl. |
| 21003A0083/00F010 | Brussels | 116 m² | 1 · 75 m² | 11.3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Agatha-Berchem2.282.773.947
Similar companies · same sector, comparable size
DELI GEEL
BE 0475.118.668
Geel · Eq €43k
Boulangerie Pâtisserie VAN LUNTER-GIUDICI
BE 0841.011.972
Cerfontaine · Eq €42k
Atelier Co-Pains
BE 0819.074.136
Brasschaat · Eq €42k
CREMAI
BE 0597.762.302
Sint-Jans-Molenbeek · Eq €42k
MURI
BE 0843.294.937
Schaarbeek · Eq €42k
Of 2,407 companies in sector 47241 we hold annual accounts for 1,099. 927 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-09-2018
Fiscal year end31-12
Activities, NACEBEL
47241Retail sale of bread and pastry (bakery outlets)
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.