ROCA
ActiveSummary
ROCA has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.45M and a net result of €17k. Equity is growing by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 92% of 4178 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability40▲+2
Solvency100▲+12
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €170k at 30 days acceptable
Liquidity ample (current ratio 1.53 against 1.43 in 2024; short-term debt: 15.2% and cash: 1.4% of total assets), and 15.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
84.8%
Return on assets
0.6%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
7 d early
2023
35 d early
2022
7 d late
2021
30 d late
2020
5 d late
2019
8 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€17k▲ 521%
2024 · €3k
Working capital
€233k▲ 29.3%
2024 · €180k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€24k▼ 8.3%€41k▲ 68.4%€33k▼ 18.2%€34k▲ 2.4%€35k▲ 1.5%
Net result€21k▲ 78.7%€30k▲ 39.6%€12k▼ 60.4%€3k▼ 77.2%€17k▲ 521%
Equity€680k▲ 3.2%€709k▲ 4.4%€721k▲ 1.7%€724k▲ 0.4%€2.45M▲ 238%
Total assets€1.05M▲ 3.0%€1.09M▲ 3.8%€1.12M▲ 2.6%€1.14M▲ 2.5%€2.89M▲ 152%
Debt€369k▲ 2.7%€379k▲ 2.8%€395k▲ 4.4%€420k▲ 6.3%€440k▲ 4.7%
Working capital€22k€93k▲ 327%€141k▲ 51.3%€180k▲ 27.5%€233k▲ 29.3%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 2% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.89M
Fixed assets
€2.21M ▲ 307%
Current assets
€673k ▲ 12.1%
Equity and liabilities €2.89M
Equity
€2.45M ▲ 238%
Debt
€440k ▲ 4.7%
Debt's share of the balance-sheet total falls from 36.7% to 15.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€71k▲
2024 · €70k
Cash flow
€53k▲
2024 · €39k
Current ratio
1.53▲
2024 · 1.43
Debt to equity
0.18▼
2024 · 0.58
ROE
0.7%▲
2024 · 0.4%
ROA
0.6%▲
2024 · 0.2%
Interest coverage
2.41▲
2024 · 2.24
Debt ≤ 1 year
€440k▲
2024 · €420k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €12k | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €42k | €42k | €36k | €36k | €36k | = |
| Other operating charges640/8 | €5k | €4k | €5k | €5k | €5k | ▲ 2.5% |
| Gross operating margin9900 | €71k | €87k | €74k | €75k | €76k | ▲ 0.9% |
| Operating profit (loss)9901 | €24k | €41k | €33k | €34k | €35k | ▲ 1.5% |
| Financial income75/76B | €12k | €4k | - | - | €11k | - |
| Recurring financial income75 | €12k | €4k | - | - | €11k | - |
| Financial charges65/66B | €15k | €15k | €22k | €31k | €29k | ▼ 6.5% |
| Recurring financial charges65 | €15k | €15k | €22k | €31k | €29k | ▼ 6.5% |
| Profit (loss) for the period before taxes9903 | €22k | €30k | €12k | €3k | €17k | ▲ 521% |
| Income taxes67/77 | €292 | €27 | - | - | - | - |
| Profit (loss) for the period9904 | €21k | €30k | €12k | €3k | €17k | ▲ 521% |
| Profit (loss) for the period to be appropriated9905 | €21k | €30k | €12k | €3k | €17k | ▲ 521% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.05M | €1.09M | €1.12M | €1.14M | €2.89M | ▲ 152% |
| Fixed assets21/28 | €658k | €616k | €580k | €544k | €2.21M | ▲ 307% |
| Tangible fixed assets22/27 | €658k | €616k | €580k | €544k | €2.21M | ▲ 307% |
| Land and buildings22 | €658k | €616k | €580k | €544k | €2.21M | ▲ 307% |
| Current assets29/58 | €390k | €472k | €537k | €600k | €673k | ▲ 12.1% |
| Amounts receivable after more than one year29 | - | - | - | - | €2k | - |
| Other amounts receivable291 | - | - | - | - | €2k | - |
| Amounts receivable within one year40/41 | €332k | €30 | €4k | - | - | - |
| Trade receivables40 | - | - | €4k | - | - | - |
| Other amounts receivable41 | €332k | €30 | €30 | - | - | - |
| Current investments50/53 | - | - | - | €500k | €625k | ▲ 25.0% |
| Cash at bank and in hand54/58 | €46k | €472k | €533k | €100k | €41k | ▼ 58.8% |
| Deferred charges and accrued income490/1 | €12k | - | - | - | €4k | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.05M | €1.09M | €1.12M | €1.14M | €2.89M | ▲ 152% |
| Equity10/15 | €680k | €709k | €721k | €724k | €2.45M | ▲ 238% |
| Contributions10/11 | €800k | €800k | €800k | €800k | €800k | = |
| Capital10 | €800k | €800k | €800k | €800k | €800k | = |
| Issued capital100 | €800k | €800k | €800k | €800k | €800k | = |
| Revaluation surpluses12 | - | - | - | - | €1.71M | - |
| Reserves13 | €6k | €6k | €6k | €6k | €6k | = |
| Non-distributable reserves130/1 | €6k | €6k | €6k | €6k | €6k | = |
| Legal reserve130 | €6k | €6k | €6k | €6k | €6k | = |
| Profit (loss) carried forward14 | €-127k | €-97k | €-85k | €-83k | €-66k | ▲ 20.1% |
| Amounts payable17/49 | €369k | €379k | €395k | €420k | €440k | ▲ 4.7% |
| Amounts payable within one year42/48 | €369k | €379k | €395k | €420k | €440k | ▲ 4.7% |
| Trade debts44 | €145 | €77 | - | - | - | - |
| Suppliers440/4 | €145 | €77 | - | - | - | - |
| Taxes, remuneration and social security45 | €5k | €5k | €6k | €9k | €9k | ▼ 6.8% |
| Taxes450/3 | €5k | €5k | €6k | €9k | €9k | ▼ 6.8% |
| Other amounts payable47/48 | €364k | €374k | €389k | €411k | €431k | ▲ 5.0% |
| Accrued charges and deferred income492/3 | - | - | - | - | €44 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €21k | €30k | €12k | €3k | €17k | ▲ 521% |
| + Depreciation and write-downs630 | €42k | €42k | €36k | €36k | €36k | = |
| Operating cash flow (approximation) | €63k | €71k | €48k | €39k | €53k | ▲ 35.9% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €-1.71M | - |
| Change in cash | - | €426k | €61k | €-433k | €-59k | ▲ 86.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Equity above €2MEq €2.45M ▲238%
8 profitable years in a row build equity to €2.45M.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €3k ▼77.2%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
2022
31-12
Financial
Highest result since 2018net €30k ▲39.6%
Operating result €41k, net result €30k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
05-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 5 days late
2020
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
8 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, Tongeren-Borgloon · 1 establishment unit since 2001
Ground area
1.7 ha
Building footprint
9,360 m²
Volume, LiDAR
86,316 m³
Parcel 73348B0813/00G000, Flanders · tallest building 13.0 m, ±3 floors. Linked by address, not a title deed.
11
companies at this address
See who is registered here
1 establishment unit
ROCA
since 20012.093.123.705
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73348B0813/00G000 | Flanders | 1.7 ha | 1 · 9,359 m² | 13.0 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 10,506 companies in sector 47110 we hold annual accounts for 5,848. 1,333 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded12-12-2000
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
Scores and ratios are computed by Checked and are not a credit decision.