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N ROCHA CONSTRUCT

Active
Private limited companyfounded 2024active for 1 yearThéodore Verhaegenstraat 196-202, 1060 Sint-Gillis (bij-Brussel), Belgium174 active companies are registered at this addressKBO/BCE: BE 1016.425.980
Summary

The computed 12-month bankruptcy probability of N ROCHA CONSTRUCT is 1.9% (moderate). The 2025 annual accounts show equity of €995 and a net result of -€5. Its solvency ranks better than 12% of 34,483 sector peers (NACE 43, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Insulation installation
NACE 43230
1 site
Size
€14,961total assets 2025
Equity
€995
Loss
-€5
Turnover not published (micro format)
Financial health
53 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.9%
Structure
Accounts filed 31 days late
Why 53raises riskFounded in 2024Latest accounts 31 days late; 1 of the last 3 lateEquity €995 (6.7% of total assets)lowers riskLiquidity: current ratio 0.51, cash €5,572Show the evidence

Checked score

Score 2025
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 28% of its sector peers (NACE 43, micro)
Financial strength
Average
Solvency 32
equity 6.7% of total assets
Liquidity 47
short-term debt 93.3% · cash 37.2%
Profitability 69
return on assets 0.0%
Bankruptcy probability, 12 months
1.9% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,581 companies, NACE 43, micro)
Last 24 months 12-2025: 2.0% 01-2026: 2.0%● unchanged vs 12-2025 02-2026: 2.0%● unchanged vs 01-2026 03-2026: 2.4%▲ +0.4 percentage points vs 02-2026 04-2026: 2.5%▲ +0.1 percentage points vs 03-2026 05-2026: 2.8%▲ +0.3 percentage points vs 04-2026 06-2026: 2.8%● unchanged vs 05-2026 07-2026: 3.1%▲ +0.3 percentage points vs 06-2026highest value 08-2026: 3.1%● unchanged vs 07-2026 09-2026: 1.8%▼ -1.3 percentage points vs 08-2026lowest value 10-2026: 1.9%▲ +0.1 percentage points vs 09-2026
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 43, micro): better than 12% on solvency, 37% on liquidity and 34% on profitability.

The bankruptcy probability was computed on 19-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
raises risk · Founded in 2024
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
lowers risk · Liquidity: current ratio 0.51, cash €5,572
NBB · annual accounts
raises risk · Latest accounts 31 days late; 1 of the last 3 late
NBB · filings
raises risk · Equity €995 (6.7% of total assets)
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 34483 sector peers (2025).
NBB · sector comparison
Position among 34483 sector peers
Solvency
better than 12%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 1 filing
Deviation from the deadline
2025
31 days late
← before the deadline after the deadline →
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2024.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. IncorporationAppointment: ROCHA Adenilson (director) ·…

Financials · financial year 2025, micro format

2025 annual accounts filed late (31 days) Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00492060.

Equity
€995
Total assets
€14,961
Net result
-€5
Working capital
-€6,829

Turnover and EBIT margin not published: the micro format does not require them.

Balance-sheet composition
Assets €14,961
Fixed assets €7,824
Current assets €7,137
Equity and liabilities €14,961
Equity €995
Debt €13,965
Debt finances 93.3% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€2,252
Cash flow
€2,221
Current ratio
0.51
ROA
0.0%
Interest coverage
73.82
Debt ≤ 1 year
€13,965
Income taxes
€1
Equity ratios withheld: equity of €995 is too small for a meaningful ratio.

Peer companies

Historical observation

Of the 280 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 95.7% are still going.

  • Micro
  • under 2 years old
  • solvency under 10%
  • a small loss
1.1% went bankrupt
3.2% stopped otherwise
95.7% still going

For this company itself Checked computes a higher bankruptcy probability: 1.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,472 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.0%
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%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 280 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 35 lines
Balance sheet Code2025
Assets
Total assets20/58€14,961
Fixed assets21/28€7,824
Tangible fixed assets22/27€7,774
Furniture and vehicles24€7,774
Financial fixed assets28€50
Current assets29/58€7,137
Amounts receivable within one year40/41€1,095
Other amounts receivable41€1,095
Cash at bank and in hand54/58€5,572
Deferred charges and accrued income490/1€470
Equity and liabilities
Total equity and liabilities10/49€14,961
Equity10/15€995
Contributions10/11€1,000
Profit (loss) carried forward14-€5
Amounts payable17/49€13,965
Amounts payable within one year42/48€13,965
Trade debts44€1,827
Suppliers440/4€1,827
Taxes, remuneration and social security45€2,377
Taxes450/3€427
Remuneration and social security454/9€1,950
Other amounts payable47/48€9,761
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,226
Other operating charges640/8€199
Gross operating margin9900€2,451
Operating profit (loss)9901€26
Financial income75/76B€1
Recurring financial income75€1
Financial charges65/66B€31
Recurring financial charges65€31
Profit (loss) for the period before taxes9903-€4
Income taxes67/77€1
Profit (loss) for the period9904-€5
Profit (loss) for the period to be appropriated9905-€5
Appropriation of the result
Profit (loss) to be appropriated9906-€5

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,226
Other operating charges640/8€199
Gross operating margin9900€2,451
Operating profit (loss)9901€26
Financial income75/76B€1
Recurring financial income75€1
Financial charges65/66B€31
Recurring financial charges65€31
Profit (loss) for the period before taxes9903-€4
Income taxes67/77€1
Profit (loss) for the period9904-€5
Profit (loss) for the period to be appropriated9905-€5
Line2025
Assets
Total assets20/58€14,961
Fixed assets21/28€7,824
Tangible fixed assets22/27€7,774
Furniture and vehicles24€7,774
Financial fixed assets28€50
Current assets29/58€7,137
Amounts receivable within one year40/41€1,095
Other amounts receivable41€1,095
Cash at bank and in hand54/58€5,572
Deferred charges and accrued income490/1€470
Equity and liabilities
Total equity and liabilities10/49€14,961
Equity10/15€995
Contributions10/11€1,000
Profit (loss) carried forward14-€5
Amounts payable17/49€13,965
Amounts payable within one year42/48€13,965
Trade debts44€1,827
Suppliers440/4€1,827
Taxes, remuneration and social security45€2,377
Taxes450/3€427
Remuneration and social security454/9€1,950
Other amounts payable47/48€9,761
Line2025
Profit (loss) for the period9904-€5
+ Depreciation and write-downs630€2,226
Operating cash flow (approximation)€2,221

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Filings with the National Bank (1)
Financial year Type Filed Reference
31-12-2025 micro format 31-08-2026 2026-00492060

Similar companies · same sector, comparable size

Of the 4,206 active companies whose main activity is insulation installation (NACE 43230), figures are known for 1,253. 124 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
No sitting directors in the Gazette act read. See the directors and other office holders in the KBO →

Owners and capital

Owners

No owners or capital events in the accounts and acts we read.

History

On 20 November 2024, N ROCHA CONSTRUCT was incorporated as a private limited company.1 The company has filed annual accounts once, for financial year 2025.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2025

Acts, filings and financial milestones

2026
31-08
NBB filing Annual accounts filed
financial year 2025 · micro format · 31 days late
2024
22-11
Gazette deed Incorporation
Appointment: ROCHA Adenilson (director) · Founder · Name clause8 facts ▸
  • Incorporation, 19-11-2024
  • Founder, ROCHA Adenilson (comparant)
  • Name clause, N ROCHA CONSTRUCT
  • Founding capital, €1,000
  • Share issue, 100, “apports” (deed in French)
  • Registered office clause, “1060 Saint-Gilles,rue Théodore Verhaegen 196-202” (deed in French)
  • Board rule, 1, “assemblée” (deed in French)
  • Director appointment, ROCHA Adenilson (director (not named in the articles))
Gazette deedNBB filing
1 of 1 deed read

Register details

Identification
Legal formPrivate limited company
Founded20-11-2024
Financial year end31-12
Activities, NACEBEL 2025
43230Insulation installation
43240Other construction installation
43332Laying of wooden floor and wall coverings
43350Other building finishing work
81220Other building cleaning and industrial cleaning
81300Landscape service activities
E-invoicing
Reachable via Peppol
Peppol ID 0208:1016425980
Also 9925:BE1016425980
Registered 24-03-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 20 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice, with enterprise number 1016.425.980

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2024
registered office establishment The establishment unit on the map
Ground area
801 m²
Building footprint
441 m²
Building volume
8,413 m³
Parcel 21562A0329/00R012, Brussels · tallest building 22.6 m. Linked by address, not a title deed.
1 establishment unit
N ROCHA CONSTRUCT
Théodore Verhaegenstraat 196-202, 1060 Sint-Gillis (bij-Brussel)Insulation installation
since 2024unit no. 2.366.488.214
1 parcel
Brussels 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
21562A0329/00R012 Brussels 801 m² 1 · 441 m² 22.6 m · 6
How the parcels are linked
Good to know
The parcel matches the address exactly.

Articles of association

What the company does

DurationHow long the company exists; usually unlimited, so until it is dissolved.
Unlimited
Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
“Région de Bruxelles-Capitale” (deed in French)

deed of 22-11-2024

Who represents it, and how

Board ruleHow the board is made up, meets and takes decisions.
“Avec ou sans limitation de durée, organe d’administration” (deed in French)
“Rémunération des administrateurs, fixe ou proportionnelle” (deed in French)

deed of 22-11-2024

Meetings and financial year

Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
Last Wednesday of June at 18:00

deed of 22-11-2024

Oversight and winding up

Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one. According to the deed, the legal criteria do not require one here.
No statutory auditor

deed of 22-11-2024

Other provisionsOther rules from the articles that fall under none of the themes above.

Other provision: “Seul ou conjointement, administrateur-délégué pour membres délégués” (deed in French)
Other provision: “Contrôle de la société, un ou plusieurs commissaires” (deed in French)
Other provision: “Réserve - répartition des bénéfices, bénéfice de l’exercice en cours ou bénéfice de l’exercice précédent tant que les comptes annuels de cet…” (deed in French)
Liquidation distribution: “Biens conservés remis pour être partagés dans la même proportion, actif net réparti entre tous les actionnaires en proportion de leurs…” (deed in French)

deed of 22-11-2024