Erwin & Yves ROSSKAMP
ActiveErwin & Yves ROSSKAMP has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €239k and a net result of €66k. Equity is growing by ~19.3% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
90
/ 100
Excellent▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency97▼-3
Growth78=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 2.11 against 4.09 in 2024), and 45.6% 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 43
Relative position
BE, all sectors
reference
Sector 43
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
54.4%
Return on assets
15.1%
Age of the figures
8 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
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 10-04-2026, 112 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
112 d early
2024
92 d early
2023
113 d early
2022
115 d early
2021
65 d early
2020
45 d early
2019
43 d early
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, unclassified schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€66k▼ 26.8%
2024 · €91k
2018: €38k
2019: €39k
2020: €26k
2021: €48k
2022: €51k
2023: €66k
2024: €91k
2018 → 2025
Working capital
€198k▼ 16.3%
2024 · €237k
2018: €67k
2019: €102k
2020: €103k
2021: €127k
2022: €156k
2023: €158k
2024: €237k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€165k-€200k▲ 21.0%€232k▲ 16.1%€291k▲ 25.3%€239k▼ 18.0%
Operating result€63k-€69k▲ 8.7%€88k▲ 27.2%€129k▲ 46.5%€92k▼ 28.2%
Net result€48k-€51k▲ 5.5%€66k▲ 29.9%€91k▲ 37.2%€66k▼ 26.8%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 28% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €439k
Fixed assets
€63k▼ 31.8%
Current assets
€376k▲ 20.0%
Equity and liabilities €439k
Equity
€239k▼ 18.0%
Provisions
€3k▼ 33.0%
Debt
€197k▲ 78.6%
The debt ratio rises from 27.2% to 45.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€123k▼
2024 · €162k
Cash flow
€97k▼
2024 · €124k
Solvency
54.4%▼
2024 · 71.8%
Current ratio
2.11▼
2024 · 4.09
Quick ratio
2.08▼
2024 · 4.01
Debt / equity
0.83▲
2024 · 0.38
ROE
27.8%▼
2024 · 31.2%
ROA
15.1%▼
2024 · 22.4%
Interest coverage
27.90▼
2024 · 39.97
Debt
€197k▲
2024 · €111k
Debt ≤ 1 year
€178k▲
2024 · €77k
Debt > 1 year
€20k▼
2024 · €34k
Income taxes
€30k▼
2024 · €40k
Staff costs
€62k▲
2024 · €51k
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€406k€439k▲
Formation expenses20€0€0=
Fixed assets21/28€92k€63k▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€92k€63k▼
Plant, machinery and equipment23€46k€34k▼
Furniture and vehicles24€5k€2k▼
Leasing and similar rights25€42k€26k▼
Current assets29/58€313k€376k▲
Stocks and contracts in progress3€6k€5k▼
Stocks30/36€6k€5k▼
Amounts receivable within one year40/41€21k€9k▼
Trade receivables40€14k€2k▼
Other amounts receivable41€8k€7k▼
Current investments50/53-€120k
Cash at bank and in hand54/58€276k€235k▼
Deferred charges and accrued income490/1€9k€7k▼
Equity and liabilities
Total equity and liabilities10/49€406k€439k▲
Equity10/15€291k€239k▼
Contributions10/11€6k€6k=
Reserves13€285k€233k▼
Tax-exempt reserves132€16k€11k▼
Distributable reserves133€269k€222k▼
Provisions and deferred taxes16€4k€3k▼
Deferred taxes168€4k€3k▼
Amounts payable17/49€111k€197k▲
Amounts payable after more than one year17€34k€20k▼
Financial debts170/4€34k€20k▼
Amounts payable within one year42/48€77k€178k▲
Current portion of amounts payable after more than one year42€14k€14k▼
Trade debts44€8k€9k▲
Suppliers440/4€8k€9k▲
Taxes, remuneration and social security45€24k€33k▲
Taxes450/3€19k€26k▲
Remuneration and social security454/9€5k€7k▲
Other amounts payable47/48€30k€123k▲
Income statement
Code20242025
Remuneration, social security and pensions62€51k€62k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€31k▼
Other operating charges640/8€4k€3k▼
Gross operating margin9900€217k€188k▼
Operating profit (loss)9901€129k€92k▼
Financial income75/76B€5k€7k▲
Recurring financial income75€5k€7k▲
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€129k€95k▼
Transfer from deferred taxes780€1k€1k=
Income taxes67/77€40k€30k▼
Profit (loss) for the period9904€91k€66k▼
Transfer from tax-exempt reserves789€5k€5k=
Profit (loss) for the period to be appropriated9905€96k€72k▼
Appropriation of the result
Profit (loss) to be appropriated9906€96k€72k▼
Transfer from equity791/2€32k€119k▲
Transfer to equity691/2€96k€72k▼
To the legal reserve6920€96k€72k▼
Profit to be distributed694/7€32k€119k▲
Return on contributions (dividend)694€32k€119k▲
The notes to these accounts (8 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
10-04
NBB filing
Annual accounts filed
fiscal year 2025 · unclassified schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema
2024
31-12
Financial
Highest result since 2018net €91k ▲37.2%
Operating result €129k, net result €91k, both a record.
09-04
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema
2023
07-04
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema
2022
31-12
Financial
Equity above €200kEq €200k ▲21%
5 profitable years in a row build equity to €200k.
27-05
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema
2021
31-12
Financial
Equity above €150kEq €165k ▲22.8%
4 profitable years in a row build equity to €165k.
16-06
NBB filing
Annual accounts filed
fiscal year 2020 · unclassified schema
2020
31-12
Financial
Weakest financial yearnet €26k ▼33.8%
Net result drops to €26k, the lowest in the series; recovery starts the following year.
18-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €100kEq €130k ▲40.3%
2 profitable years in a row build equity to €130k.
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
23-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
22-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Eupen · 1 establishment unit since 2012
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.
Feldstrasse 44701 Eupen1 establishment unit
Erwin & Yves ROSSKAMP PGmbH
since 20122.205.105.849
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Of 3,987 companies in sector 43310 we hold annual accounts for 1,736. 1,299 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-12-2011
Fiscal year end31-12
Activities, NACEBEL
43310Plastering work
43331Floor and wall tiling
43120Site preparation
43422Screed work
43910Bricklaying and masonry work
43994Specialised construction activities
47521Retail sale of hardware, building materials, paint and glass (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filings
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.