DE ROOVER
ActiveDE ROOVER has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €82k and a net result of €-19k. Equity is shrinking by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 94% of 11297 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-53
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 9.23 against 10.3 in 2024; short-term debt: 5.4% and cash: 14.2% of total assets), and 5.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
1819202122232425
2018 to 2025 · latest year €-19k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-09-2026, 45 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
45 d late
2024
59 d late
2023
43 d late
2022
31 d late
2021
52 d late
2020
52 d late
2019
91 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€82k▼ 18.7%
2024 · €101k
2018: €175k
2019: €161k
2020: €162k
2021: €162k
2022: €160k
2023: €114k
2024: €101k
2018 → 2025
Total assets
€87k▼ 18.2%
2024 · €107k
2018: €435k
2019: €417k
2020: €338k
2021: €309k
2022: €211k
2023: €124k
2024: €107k
2018 → 2025
Net result
€-19k▼ 45.3%
2024 · €-13k
2018: €14k
2019: €-14k
2020: €649
2021: €-89
2022: €-2k
2023: €-46k
2024: €-13k
2018 → 2025
Working capital
€39k▼ 19.7%
2024 · €48k
2018: €114k
2019: €99k
2020: €102k
2021: €100k
2022: €93k
2023: €56k
2024: €48k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€162k-€160k▼ 1.1%€114k▼ 28.5%€101k▼ 11.4%€82k▼ 18.7%
Operating result€1k-€2k▲ 51.2%€-53k€-13k▲ 76.1%€-19k▼ 47.7%
Net result€-89-€-2k▼ 1,887%€-46k▼ 2,470%€-13k▲ 71.4%€-19k▼ 45.3%
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 stays negative: a loss of €19k in 2025 against €13k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €87k
Fixed assets
€43k▼ 17.7%
Current assets
€44k▼ 18.7%
Equity and liabilities €87k
Equity
€82k▼ 18.7%
Debt
€5k▼ 9.3%
The debt ratio rises from 4.9% to 5.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-4k▼
2024 · €839
Cash flow
€-4k▼
2024 · €578
Solvency
94.6%▼
2024 · 95.1%
Current ratio
9.23▼
2024 · 10.30
Quick ratio
9.23▼
2024 · 10.30
Debt / equity
0.06▲
2024 · 0.05
ROE
-23.0%▼
2024 · -12.9%
ROA
-21.7%▼
2024 · -12.2%
Interest coverage
-33.15▼
2024 · 12.20
Debt
€5k▼
2024 · €5k
Debt ≤ 1 year
€5k▼
2024 · €5k
Income taxes
€176▼
2024 · €192
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€107k€87k▼
Fixed assets21/28€53k€43k▼
Tangible fixed assets22/27€53k€43k▼
Land and buildings22€51k€38k▼
Plant, machinery and equipment23€923€2k▲
Furniture and vehicles24-€3k
Other tangible fixed assets26€1k€387▼
Current assets29/58€54k€44k▼
Amounts receivable within one year40/41€25k€26k▲
Trade receivables40€25k€19k▼
Other amounts receivable41€89€8k▲
Cash at bank and in hand54/58€24k€12k▼
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€107k€87k▼
Equity10/15€101k€82k▼
Contributions10/11€124k€124k=
Reserves13€19k€19k=
Distributable reserves133€19k€19k=
Profit (loss) carried forward14€-41k€-60k▼
Amounts payable17/49€5k€5k▼
Amounts payable within one year42/48€5k€5k▼
Current portion of amounts payable after more than one year42€0-
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€1k€2k▲
Taxes450/3€1k€2k▲
Other amounts payable47/48€3k€0▼
Income statement
Code20242025
Non-recurring operating income76A€15k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€15k▲
Other operating charges640/8€15k€4k▼
Gross operating margin9900€16k€-547▼
Operating profit (loss)9901€-13k€-19k▼
Financial income75/76B€0€231▲
Recurring financial income75€0€231▲
Non-recurring financial income76B€0-
Financial charges65/66B€69€131▲
Recurring financial charges65€69€131▲
Profit (loss) for the period before taxes9903€-13k€-19k▼
Income taxes67/77€192€176▼
Profit (loss) for the period9904€-13k€-19k▼
Profit (loss) for the period to be appropriated9905€-13k€-19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-41k€-60k▼
Profit (loss) brought forward from the previous period14P€-28k€-41k▼
Transfer from equity791/2€0-
The notes to these accounts (17 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
14-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 45 days late
2025
28-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 59 days late
2024
12-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 43 days late
2023
31-12
Financial
Weakest financial yearnet €-46k
Net result drops to €-46k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 6.71
Current ratio from 2.99 to 6.71; short-term debt falls from €47k to €10k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
21-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 52 days late
2021
21-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 52 days late
2020
31-12
Financial
Back to profitnet €649
Net result €649 after one loss-making year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Zottegem · 1 establishment unit since 1983
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.
Paddestraat 319620 ZottegemGround area
5,400 m²
Building footprint
244 m²
Volume, LiDAR
1,432 m³
Parcel 41069C0929/00D002, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Paddestraat 31, 9620 Zottegem
since 19832.035.177.685
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41069C0929/00D002 | Flanders | 5,400 m² | 1 · 244 m² | 9.5 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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KAAS- EN ZUIVELHANDEL GEVERS
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MOZZAMAZE
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Of 392 companies in sector 46331 we hold annual accounts for 228. 114 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-1982
Fiscal year end31-12
Activities, NACEBEL
46331Wholesale trade
51331
Sources
Crossroads Bank for EnterprisesNational Bank · 43 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.