Equity
€82,412 from €288,287 in 2010
Equity fell by 71% in 15 years.
DE ROOVER
Lifetime
18 annual accounts with figures on one time axis, 43 filings since 1983peak €102,184 (2009)
-€547▼ €16,623
lowest -€45,532 (2023)
-€18,939▼ €5,906
peak €288,287 (2010)
€82,412▼ 18.7%
€4,731▼ 9.3%
peak 0 FTE (2020)
-not published
Board2 names since 2021
1 directorDE ROOVER Herman Willy Remi
Documentsfilings and deeds
14-09-202645 days late
2025micro format
Gross margin from €16,075 to -€547Loss of €18,939Equity from €101,351 to €82,412Cash from €24,315 to €12,400
Key points
from the 2025 annual accountsLosses
-€79,365 in five years
Every financial year from 2021 to 2025 closed with a loss. 2023 was the heaviest.
Position in the sector
-€18,939
Lower net result than 88% of companies in wholesale trade. Sector median €5,616 · 13,806 companies.
2025 accounts filed 45 days after the deadlineTurnover not published (abbreviated or micro format)
Checked score
81
Excellent
Financially stronger than 47% of micro companies in wholesale trade (NACE 46)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.6% 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 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.9%highest value
01-2025: 1.8%▼ -0.1 percentage points vs 12-2024
02-2025: 0.9%▼ -0.9 percentage points vs 01-2025
03-2025: 0.9%● unchanged vs 02-2025
04-2025: 0.9%● unchanged vs 03-2025
05-2025: 0.9%● unchanged vs 04-2025
06-2025: 1.0%▲ +0.1 percentage points vs 05-2025
07-2025: 1.1%▲ +0.1 percentage points vs 06-2025
08-2025: 1.3%▲ +0.2 percentage points vs 07-2025
09-2025: 1.2%▼ -0.1 percentage points vs 08-2025
10-2025: 0.3%▼ -0.9 percentage points vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026lowest value
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.4%▲ +0.1 percentage points vs 07-2026
09-2026: 0.4%● unchanged vs 08-2026
10-2026: 0.6%▲ +0.2 percentage points vs 09-2026
11-2026: 0.6%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Last filed accounts filed 45 days late; 3 of the last 3 accounts late
Loss of €18,939, the second in a row (financial year 2025)
lowers risk
Founded in 1982
Liquidity: current ratio 9.23, cash €12,400
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 90% of them on solvency, 73% on liquidity, 6% on profitability and 20% 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 low class on 30-06-2025, 0.8% 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, 5,831 companies had the same profile as DE ROOVER has now. Each dot stands for 15 companies, two years later.
84.5%
were still trading
13.4%
stopped another way
1.7%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of DE ROOVER itself: 0.6% 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 5,831 companies, not a prediction for DE ROOVER. 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 €6,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 9.23 (10.3 in 2024), above the usual 1.5. Short-term debt is 5.4% and cash 14.2% of total assets. 5.4% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
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 -€18,939
raises risk · 2025 accounts filed 45 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
45 days late
2024
59 days late
2023
43 days late
2022
31 days late
2021
52 days late
2020
52 days late
2019
91 days late
← 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 after 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 14 September (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0423328091
Change of role: DE ROOVER Herman Willy Remi, from manager to statutory director
Appointment: ROUCKHOUT Christine Annie (successor statutory director) · “De groot- en kleinhandel,onder al zijn verschillende vormen,inbegrepen de in- en uitvoer,van alle…” (deed in Dutch) · Director discharge: DE ROOVER Herman Willy Remi · General meeting of 30-11-2023 · Gazette deed
Registered office moved from Ronse to Zottegem
New registered office: Paddestraat 31, 9620 Zottegem · Previous registered office: Paddestraat 42, 9600 Ronse · Gazette deed
First establishment
Paddestraat 31, Zottegem
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| DE ROOVER Zottegem | €87,143 | -€547 | 94.6% | - |
| VAN KEERBERGHEN en ZOON Sint-Genesius-Rode | €143,670 | €2,922 | 96.5% | - |
| DE HEERLIJKHYD Oostkamp | €48,476 | -€2,918 | 3.9% | - |
| LODEWIJCKX Laakdal | €634,613 | -€6,434 | 97.7% | 0 |
| VAN DENDER en CO. Schaerbeek | €116,738 | €8,095 | 92.7% | - |
| ALEN K Schaerbeek | €74,441 | €6,824 | 60.8% | - |
| FREMARKT Bilzen-Hoeselt | €35,099 | €11,924 | -72.0% | - |
These companies have the same main activity as DE ROOVER: wholesale trade (NACE 46331). They are comparable in size and age: total assets between €35,100 and €635,000, founded between 1980 and 2004.
Official details
Source: KBO- Status
- Active since 20-12-1982Normal situation
- Activity
- Wholesale tradeNACE 46331
- Establishment unit
- 2.035.177.6859620 Zottegem, since 01-02-1983
- Financial year end
- 31 December
- Peppol
- Reachable since 03-10-2025
Insights on DE ROOVER
DE ROOVER files the micro format. That format states no turnover. The gross margin fell from €88,679 in 2008 to -€547 in 2025.
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 DE ROOVER
- What is the company number of DE ROOVER?
- The company number of DE ROOVER is 0423.328.091. The VAT number is the same number with BE in front: BE 0423.328.091.
- Where is DE ROOVER based?
- The registered office is at Paddestraat 31, 9620 Zottegem.Company details
- What does DE ROOVER do?
- According to the KBO register, the main activity is wholesale trade (NACE 46331).
- What is the legal form of DE ROOVER?
- DE ROOVER is a private limited company (BV).
- When was DE ROOVER founded?
- DE ROOVER was founded on 20-12-1982.
- Is DE ROOVER still active?
- Yes, DE ROOVER is an active enterprise in the KBO register.
- What is the turnover of DE ROOVER?
- The annual accounts for financial year 2025 state no turnover. The abbreviated or micro format does not require it.Financials
- Is DE ROOVER profitable?
- In financial year 2025, DE ROOVER made a loss of €18,939.
- Where can I find the annual accounts of DE ROOVER?
- DE ROOVER filed 43 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of DE ROOVER due?
- DE ROOVER must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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