Equity
€1.7m ▲ 4.1%
FINN-ROOF/DACHSYSTEME has made a profit in every financial year since 2006.
FINN-ROOF/DACHSYSTEME
Lifetime
20 annual accounts with figures on one time axis, 32 filings since 1992peak €1.6m (2022)
€1.2m▲ 13.1%
peak €959,896 (2022)
€516,500▲ 7.5%
peak €1.7m (2025)
€1.7m▲ 4.1%
€2.1m▲ 22.4%
peak 8.3 FTE (2025)
8.3 FTE▲ 13.7%
Board5 names since 2020
2 directorsESPECO and 1 other
Owners2 names in the annual accounts
49.98%ESPECO and 1 other
Documentsfilings and deeds
19-05-202673 days before the deadline
2025financial year
Gross margin from €1.1m to €1.2mStaff from 7.3 FTE to 8.3 FTE2 directors reappointed 10-12Debts from €1.7m to €2.1mInvestments €560,669
Key points
from the 2025 annual accountsTurnover
≈ €5.2m estimated
The accounts state no turnover.
Investments
€560,809 3.0 × depreciation
Green is investment, beige is depreciation.
Staff
9 employees on 31-12-2025
In 2025, 2 people joined and 1 left.
Filings
32 annual accounts since 1992
The last five annual accounts were filed 6 to 81 days before the end of the period.
Position in the sector
€1.2m
Higher gross margin than 83% of companies in wholesale trade. Sector median €354,269 · 3,326 companies.
Checked score
93
Excellent
Financially stronger than 56% of micro companies in wholesale trade (NACE 46)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 26,891 companies (NACE 46, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%lowest value
01-2025: 0.1%● unchanged vs 12-2024lowest value
02-2025: 0.1%● unchanged vs 01-2025lowest value
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.2%▲ +0.1 percentage points vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025highest value
08-2025: 0.1%▼ -0.1 percentage points vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.2%▲ +0.1 percentage points vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.1%▼ -0.1 percentage points vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 2.86, cash €122,613
lowers risk
Founded in 1991
Profit of €516,500 (financial year 2025)
Figures for financial year 2025 (filed on 19-05-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro). It does better than 52% of them on solvency, 41% on liquidity, 80% on profitability and 53% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 31,368 companies had the same profile as FINN-ROOF/DACHSYSTEME has now. Each dot stands for 79 companies, two years later.
93.5%
were still trading
5.9%
stopped another way
0.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of FINN-ROOF/DACHSYSTEME itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 31,368 companies, not a prediction for FINN-ROOF/DACHSYSTEME. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €150,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.86 (3.38 in 2024), above the usual 1.5. Short-term debt is 27.6% and cash 3.3% of total assets. However, 56% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 19-05-2026, 73 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
73 days early
2024
6 days early
2023
48 days early
2022
53 days early
2021
81 days early
2020
66 days early
2019
44 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 53 days before the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 8 June (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- ESPECO 49.98%score 92equity €20,460 (2025) · 30-06-2025 annual accounts of ESPECO
- GIMABEL 49.98%score 88equity €20,460 (2025) · 30-06-2025 annual accounts of GIMABEL
Recent changes
2 directors reappointed
Especo srl (managing director) and Gimabel sr! · Permanent representatives: Didier Espreux and Werner Giebels · General meeting of 13-05-2025 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0445942256
Company renamed from DACHSYSTEME A.G. to FINN-ROOF/DACHSYSTEME
General meeting of 12-12-2023 · Gazette deed
2 directors appointed
GIMABEL sprl and ESPECO sprl · Permanent representatives: Werner Giebels and Didier Espreux · General meeting of 15-03-2021 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FINN-ROOF/DACHSYSTEME Butgenbach | €3.7m | €1.2m | 44.0% | 8.3 |
| BAUSTOFFE A. PIRONT Saint-Vith | €4.6m | €1.2m | 78.9% | 9.9 |
| MATERIAUX BRICO J.P.B. SAINTE - ODE Sainte-Ode | €3.8m | €1.0m | 48.0% | 10.4 |
| ARDENNES CLOTURES Welkenraedt | €3.1m | €0.9m | 62.7% | 10.4 |
| L. DE VOS Nivelles | €3.0m | €1.0m | 61.6% | 8.5 |
| TOCH Ghent | €3.9m | €1.2m | 53.6% | 10.6 |
| JE VAN ECHELPOEL Lille | €3.4m | €0.9m | 88.0% | 6.8 |
These companies have the same main activity as FINN-ROOF/DACHSYSTEME: wholesale of construction materials, general range (NACE 46831). They are comparable in size and age: total assets between €3m and €4.6m, founded between 1988 and 1994.
Official details
Source: KBO- Status
- Active since 16-12-1991Normal situation
- Activity
- Wholesale of construction materials, general rangeNACE 46831
- Joint committee
- 200Auxiliary committee for white-collar workers · annual accounts 2025
- Establishment units
- 2.055.557.4844837 Baelen, since 07-01-1992
- 2.055.557.3854750 Butgenbach, since 08-01-1992and 1 other
- Financial year end
- 31 December
- Peppol
- Reachable since 22-10-2025
Annual accounts 2025
- €3.7m▲ 13.5%
- Employeeson 31-12-2025
- 9▲ 12.5%
- Filing
- Filed on 19-05-2026, 73 days before the end of the filing period
Insights on FINN-ROOF/DACHSYSTEME
FINN-ROOF/DACHSYSTEME has existed since 1991. The gross margin grew from €382,963 in 2006 to €1.2m in 2025 and staff from 4.8 to 8.3 full-time equivalents.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about FINN-ROOF/DACHSYSTEME
- What is the company number of FINN-ROOF/DACHSYSTEME?
- The company number of FINN-ROOF/DACHSYSTEME is 0445.942.256. The VAT number is the same number with BE in front: BE 0445.942.256.
- Where is FINN-ROOF/DACHSYSTEME based?
- The registered office is at Zur Domäne 23, 4750 Butgenbach.Company details
- What does FINN-ROOF/DACHSYSTEME do?
- According to the KBO register, the main activity is wholesale of construction materials, general range (NACE 46831).
- What is the legal form of FINN-ROOF/DACHSYSTEME?
- FINN-ROOF/DACHSYSTEME is a public limited company (NV).
- When was FINN-ROOF/DACHSYSTEME founded?
- FINN-ROOF/DACHSYSTEME was founded on 16-12-1991.
- Is FINN-ROOF/DACHSYSTEME still active?
- Yes, FINN-ROOF/DACHSYSTEME is an active enterprise in the KBO register.
- How many employees does FINN-ROOF/DACHSYSTEME have?
- FINN-ROOF/DACHSYSTEME had an average of 8.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does FINN-ROOF/DACHSYSTEME fall under?
- In its 2025 annual accounts, FINN-ROOF/DACHSYSTEME states joint committee 200 (Auxiliary committee for white-collar workers).
- What is the turnover of FINN-ROOF/DACHSYSTEME?
- The turnover in financial year 2025 is ≈ €5.2m. This figure is estimated from the gross margin of €1.2m and 98 comparable companies (NACE 46). It probably lies between €3.2m and €8.8m.
- Is FINN-ROOF/DACHSYSTEME profitable?
- In financial year 2025, FINN-ROOF/DACHSYSTEME made a profit of €516,500.
- Where can I find the annual accounts of FINN-ROOF/DACHSYSTEME?
- FINN-ROOF/DACHSYSTEME filed 32 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FINN-ROOF/DACHSYSTEME due?
- FINN-ROOF/DACHSYSTEME must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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