ROCA
ActiveThe computed 12-month bankruptcy probability of ROCA is 1.5% (moderate). For ROCA, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show negative equity (€-49k) and a net result of €-18k. Equity is shrinking by ~53.2% per year across the filed fiscal years. Its solvency ranks better than 10% of 5690 sector peers (fiscal year 2023). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability0=
Solvency0=
Growth22=
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2023Solvency, return and age of the figures
Solvency
-188.2%
Return on assets
-69.1%
Age of the figures
33 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
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline19-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 30-08-2024, 30 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
not confirmed
2024
not filed
2023
30 d late
2022
29 d late
2021
29 d late
2020
32 d early
2019
60 d late
← before the deadline
after the deadline →
Financials · fiscal year 2023, micro schema
Turnover
€24k▲ 9.0%
2021 · €22k
2018: €46k
2019: €54k
2020: €30k
2021: €22k
2018 → 2022
EBIT margin
-37.7%▼ 26.9pp
2021 · -10.8%
2018: -3.5%
2019: -20.2%
2020: -11.5%
2021: -10.8%
2018 → 2022
Net result
€-18k▼ 65.4%
2022 · €-11k
2018: €-3k
2019: €-13k
2020: €-6k
2021: €-4k
2022: €-11k
2018 → 2023
Working capital
€-48k▼ 66.9%
2022 · €-29k
2018: €-3k
2019: €-16k
2020: €-17k
2021: €-23k
2022: €-29k
2018 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120222023Trend
Turnover€54k-€30k▼ 44.4%€22k▼ 25.8%€24k▲ 9.0%
Equity€-10k-€-16k▼ 55.8%€-20k▼ 27.9%€-31k▼ 53.9%€-49k▼ 57.9%
Operating result€-11k-€-3k▲ 68.4%€-2k▲ 30.3%€-9k▼ 281%€-16k▼ 78.2%
Net result€-13k-€-6k▲ 58.1%€-4k▲ 22.1%€-11k▼ 147%€-18k▼ 65.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €16k in 2023 against €9k in 2022; the loss grows and 2023 has the lowest result in the available series.
Key figures and ratios
Solvency
-188.2%▼
2022 · -107.5%
Current ratio
0.35▼
2022 · 0.50
Quick ratio
0.06▼
2022 · 0.09
Debt / equity
-1.53▲
2022 · -1.93
ROA
-69.1%▼
2022 · -37.6%
Debt
€75k▲
2022 · €60k
Debt ≤ 1 year
€74k▲
2022 · €58k
Income taxes
€56▲
2022 · €52
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 · 2023 against 2022
Balance sheet
Code20222023
Assets
Total assets20/58€29k€26k▼
Formation expenses20€0-
Fixed assets21/28€0€0=
Tangible fixed assets22/27€0€0=
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€0€0=
Other tangible fixed assets26€0€0=
Current assets29/58€29k€26k▼
Stocks and contracts in progress3€24k€22k▼
Stocks30/36€24k€22k▼
Amounts receivable within one year40/41€780€200▼
Trade receivables40€780€200▼
Cash at bank and in hand54/58€2k€4k▲
Deferred charges and accrued income490/1€2k€476▼
Equity and liabilities
Total equity and liabilities10/49€29k€26k▼
Equity10/15€-31k€-49k▼
Contributions10/11€6k€6k=
Reserves13€48€48=
Non-distributable reserves130/1€48€48=
Reserves not available under the articles1311€48€48=
Profit (loss) carried forward14€-37k€-55k▼
Amounts payable17/49€60k€75k▲
Amounts payable within one year42/48€58k€74k▲
Financial debts43€10k€9k▼
Credit institutions430/8€10k€9k▼
Trade debts44€4k€10k▲
Suppliers440/4€3k€10k▲
Bills of exchange payable441€2k-
Taxes, remuneration and social security45€2k€5k▲
Taxes450/3€2k€5k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€42k€49k▲
Accrued charges and deferred income492/3€2k€961▼
Income statement
Code20222023
Turnover70€24k-
Goods, raw materials, services and sundry goods60/61€31k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€131-
Other operating charges640/8€839€2k▲
Non-recurring operating charges66A€3k-
Gross operating margin9900€-5k€-15k▼
Operating profit (loss)9901€-9k€-16k▼
Financial income75/76B€28€202▲
Recurring financial income75€28€202▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€-11k€-18k▼
Income taxes67/77€52€56▲
Profit (loss) for the period9904€-11k€-18k▼
Profit (loss) for the period to be appropriated9905€-11k€-18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-37k€-55k▼
Profit (loss) brought forward from the previous period14P€-26k€-37k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-18k
Net result drops to €-18k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 18 days late
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 29 days late
2015
28-08
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Aywaille · 1 establishment unit since 2001
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.
Rue Nicolas Lambercy 114920 AywailleGround area
90 m²
Building footprint
89 m²
Volume, LiDAR
664 m³
Parcel 62009B0061/00N000, Wallonia · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Nicolas Lambercy 11, 4920 Aywaille
since 20012.098.105.743
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62009B0061/00N000 | Wallonia | 90 m² | 1 · 89 m² | 8.8 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.
Similar companies · same sector, comparable size
NORD SUD SERVICES
BE 0698.737.718
Tongeren-Borgloon · Eq €3k
FBS COIFFURE
BE 0563.754.595
Mons · Eq €3k
ATLAS BEAUTY
BE 0801.469.626
Wemmel · Eq €3k
I TRAIMES
BE 0758.604.336
Sint-Jans-Molenbeek · Eq €3k
Hair Design Céline
BE 0702.998.788
Dentergem · Eq €3k
Of 21,748 companies in sector 96210 we hold annual accounts for 2,831. 1,763 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded08-02-2001
Fiscal year end31-12
Activities, NACEBEL
93021
96021Hairdressing
96210Hairdressing and barber services
47750Retail sale of cosmetics and toilet articles
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.