De Roock
ActiveDe Roock has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €205k and a net result of €37k. Equity is growing by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 24% of 1290 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability90▲+19
Solvency19▲+7
Growth78=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity short (current ratio 0.43 against 0.38 in 2024), and 78.1% 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.
−lowers risk+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 33
Relative position
BE, all sectors
reference
Sector 33
higher
← 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
21.9%
Return on assets
3.9%
Age of the figures
11 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 1290 sector peers (2025).
NBB · sector comparisonPosition among 1290 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
on the day
2022
2 d early
2021
30 d late
2020
on the day
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€205k▲ 21.9%
2024 · €168k
2018: €127k
2019: €132k
2020: €146k
2021: €136k
2022: €136k
2023: €144k
2024: €168k
2018 → 2025
Total assets
€934k=
2024 · €935k
2018: €538k
2019: €878k
2020: €869k
2021: €905k
2022: €855k
2023: €896k
2024: €935k
2018 → 2025
Net result
€37k▲ 54.1%
2024 · €24k
2018: €16k
2019: €5k
2020: €15k
2021: €-10k
2022: €162
2023: €8k
2024: €24k
2018 → 2025
Working capital
€-164k▼ 2.8%
2024 · €-159k
2018: €79k
2019: €111k
2020: €115k
2021: €-127k
2022: €-133k
2023: €-141k
2024: €-159k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€136k-€136k▲ 0.1%€144k▲ 5.7%€168k▲ 16.6%€205k▲ 21.9%
Operating result€-148-€12k€23k▲ 93.1%€46k▲ 103%€66k▲ 43.6%
Net result€-10k-€162€8k▲ 4,711%€24k▲ 206%€37k▲ 54.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 44% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €934k
Fixed assets
€811k▼ 3.3%
Current assets
€123k▲ 28.4%
Equity and liabilities €934k
Equity
€205k▲ 21.9%
Debt
€730k▼ 4.8%
The debt ratio falls from 82.0% to 78.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€103k▲
2024 · €81k
Cash flow
€74k▲
2024 · €59k
Solvency
21.9%▲
2024 · 18.0%
Current ratio
0.43▲
2024 · 0.38
Quick ratio
0.43▲
2024 · 0.38
Debt / equity
3.57▼
2024 · 4.57
ROE
18.0%▲
2024 · 14.2%
ROA
3.9%▲
2024 · 2.6%
Interest coverage
8.61▲
2024 · 6.14
Debt
€730k▼
2024 · €767k
Debt ≤ 1 year
€287k▲
2024 · €255k
Debt > 1 year
€436k▼
2024 · €504k
Income taxes
€18k▲
2024 · €9k
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€935k€934k=
Fixed assets21/28€839k€811k▼
Tangible fixed assets22/27€839k€811k▼
Land and buildings22€835k€810k▼
Furniture and vehicles24€3k€824▼
Current assets29/58€96k€123k▲
Amounts receivable within one year40/41€73k€98k▲
Trade receivables40€61k€92k▲
Other amounts receivable41€11k€6k▼
Cash at bank and in hand54/58€19k€22k▲
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€935k€934k=
Equity10/15€168k€205k▲
Contributions10/11€6k€6k=
Reserves13€162k€198k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€162k€198k▲
Amounts payable17/49€767k€730k▼
Amounts payable after more than one year17€504k€436k▼
Financial debts170/4€488k€424k▼
Other amounts payable178/9€17k€13k▼
Amounts payable within one year42/48€255k€287k▲
Current portion of amounts payable after more than one year42€61k€64k▲
Trade debts44€32k€47k▲
Suppliers440/4€32k€47k▲
Taxes, remuneration and social security45€14k€20k▲
Taxes450/3€11k€18k▲
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€149k€156k▲
Accrued charges and deferred income492/3€7k€6k▼
Income statement
Code20242025
Non-recurring operating income76A-€653
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€37k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€6k
Other operating charges640/8€4k€4k▼
Gross operating margin9900€85k€114k▲
Operating profit (loss)9901€46k€66k▲
Financial income75/76B€5€50▲
Recurring financial income75€5€50▲
Financial charges65/66B€13k€12k▼
Recurring financial charges65€13k€12k▼
Profit (loss) for the period before taxes9903€33k€54k▲
Income taxes67/77€9k€18k▲
Profit (loss) for the period9904€24k€37k▲
Profit (loss) for the period to be appropriated9905€24k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€37k▲
Transfer to equity691/2€24k€37k▲
To other reserves6921€24k€37k▲
The notes to these accounts (7 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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €37k ▲54.1%
Operating result €66k, net result €37k, both a record.
30-09
Financial
Equity above €200kEq €205k ▲21.9%
4 profitable years in a row build equity to €205k.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Equity above €150kEq €168k ▲16.6%
3 profitable years in a row build equity to €168k.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Back to profitnet €162
Net result €162 after one loss-making year.
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
30-09
Financial
Weakest financial yearnet €-10k ▼170%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
02-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2024
DE ROOCK Jan Marie Stefaan
CurrentDirector · since 08-04-2024
DE ROOCK Jos Germaine Frans
CurrentDirector · since 08-04-2024
08-04-2024
DE ROOCK Jan Marie Stefaan: Appointed as Director
08-04-2024
DE ROOCK Jos Germaine Frans: Appointed as Director
Location & real-estate footprint
Registered office, Ternat · 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.
Bollestraat 171741 TernatGround area
566 m²
Building footprint
314 m²
Volume, LiDAR
1,914 m³
Parcel 23091B0361/00K000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bollestraat 17, 1741 Ternat
since 20112.199.514.491
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23091B0361/00K000 | Flanders | 566 m² | 1 · 314 m² | 9.3 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
VAN BELLEGHEM MATHIEU
BE 0741.917.465
Wingene · Eq €205k
RICO SANITAIR
BE 0833.981.155
Willebroek · Eq €204k
SANASI Chauffage
BE 0719.819.875
Sambreville · Eq €205k
RIGO'S HORSE TRUCKS
BE 0877.063.607
Diest · Eq €203k
YTEC
BE 0736.755.481
Brasschaat · Eq €201k
Of 876 companies in sector 33110 we hold annual accounts for 435. 326 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-05-2011
Fiscal year end30-09
Activities, NACEBEL
33110Repair and maintenance of fabricated metal products
42220Construction of utility projects for electricity and telecommunications
43222Installation of electric heating, air conditioning, cooling and ventilation
43350Other building finishing work
43410Roofing work
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.