ROCA - Sint-Jozef
ActiveROCA - Sint-Jozef has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €379k and a net result of €81k. Equity is growing by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 46% of 2924 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2024
66
/ 100
Healthy▲ +8 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+62
Solvency42▼-28
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity short (current ratio 0.84 against 0.82 in 2023), and 71% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-07-2025, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
21 d early
2023
30 d early
2022
42 d early
2021
48 d early
2020
37 d early
2019
42 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€379k▲ 27.1%
2023 · €298k
2018: €264k
2019: €216k
2020: €198k
2021: €341k
2022: €354k
2023: €298k
2018 → 2024
Total assets
€1.31M▲ 133%
2023 · €562k
2018: €708k
2019: €585k
2020: €496k
2021: €673k
2022: €624k
2023: €562k
2018 → 2024
Net result
€81k▲ 261%
2023 · €22k
2018: €27k
2019: €-48k
2020: €6k
2021: €143k
2022: €91k
2023: €22k
2018 → 2024
Working capital
€-31k▲ 21.0%
2023 · €-39k
2018: €14k
2019: €-16k
2020: €-7k
2021: €133k
2022: €4k
2023: €-39k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€198k-€341k▲ 72.1%€354k▲ 3.6%€298k▼ 15.6%€379k▲ 27.1%
Operating result€14k-€180k▲ 1,151%€133k▼ 26.2%€33k▼ 74.8%€138k▲ 315%
Net result€6k-€143k▲ 2,403%€91k▼ 36.2%€22k▼ 75.4%€81k▲ 261%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 315% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.31M
Fixed assets
€1.14M▲ 196%
Current assets
€164k▼ 6.5%
Equity and liabilities €1.31M
Equity
€379k▲ 27.1%
Debt
€929k▲ 253%
The debt ratio rises from 46.9% to 71.0%: debt grows faster than equity.
Key figures and ratios
EBITDA
€222k▲
2023 · €113k
Cash flow
€165k▲
2023 · €102k
Solvency
29.0%▼
2023 · 53.1%
Current ratio
0.84▲
2023 · 0.82
Quick ratio
0.78▲
2023 · 0.76
Debt / equity
2.45▲
2023 · 0.88
ROE
21.3%▲
2023 · 7.5%
ROA
6.2%▲
2023 · 4.0%
Interest coverage
8.93▼
2023 · 16.99
Debt
€929k▲
2023 · €263k
Debt ≤ 1 year
€195k▼
2023 · €215k
Debt > 1 year
€734k▲
2023 · €49k
Income taxes
€40k▲
2023 · €11k
Staff costs
€296k▼
2023 · €396k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€562k€1.31M▲
Fixed assets21/28€386k€1.14M▲
Tangible fixed assets22/27€386k€1.14M▲
Land and buildings22€255k€1.03M▲
Plant, machinery and equipment23€67k€59k▼
Furniture and vehicles24€64k€52k▼
Current assets29/58€175k€164k▼
Stocks and contracts in progress3€11k€12k▲
Stocks30/36€11k€12k▲
Amounts receivable within one year40/41€33k€37k▲
Trade receivables40€6k€24k▲
Other amounts receivable41€27k€13k▼
Current investments50/53€93k€0▼
Cash at bank and in hand54/58€33k€110k▲
Deferred charges and accrued income490/1€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€562k€1.31M▲
Equity10/15€298k€379k▲
Contributions10/11€19k€19k=
Reserves13€280k€361k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€278k€359k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€263k€929k▲
Amounts payable after more than one year17€49k€734k▲
Financial debts170/4€49k€734k▲
Amounts payable within one year42/48€215k€195k▼
Current portion of amounts payable after more than one year42€63k€93k▲
Trade debts44€41k€60k▲
Suppliers440/4€41k€60k▲
Taxes, remuneration and social security45€33k€11k▼
Taxes450/3€11k€10k▼
Remuneration and social security454/9€22k€1k▼
Other amounts payable47/48€78k€31k▼
Income statement
Code20232024
Remuneration, social security and pensions62€396k€296k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€80k€84k▲
Other operating charges640/8€7k€85k▲
Gross operating margin9900€516k€603k▲
Operating profit (loss)9901€33k€138k▲
Financial income75/76B€6k€8k▲
Recurring financial income75€6k€8k▲
Financial charges65/66B€7k€25k▲
Recurring financial charges65€7k€25k▲
Profit (loss) for the period before taxes9903€33k€121k▲
Income taxes67/77€11k€40k▲
Profit (loss) for the period9904€22k€81k▲
Profit (loss) for the period to be appropriated9905€22k€81k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€81k▲
Transfer from equity791/2€78k€0▼
Transfer to equity691/2€22k€81k▲
To other reserves6921€22k€81k▲
Profit to be distributed694/7€78k€0▼
Return on contributions (dividend)694€78k€0▼
Social balance
Average headcount (FTE)9087-7.0
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €143k ▲2403%
Operating result €180k, net result €143k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.99
Current ratio from 0.89 to 1.99.
31-12
Financial
Equity above €200kEq €341k ▲72.1%
2 profitable years in a row build equity to €341k.
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €-48k ▼278%
Net result drops to €-48k, the lowest in the series; recovery starts the following year.
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
10-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 10 days late
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
18-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Scherpenheuvel-Zichem · 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.
Albertusplein 103270 Scherpenheuvel-ZichemGround area
385 m²
Building footprint
359 m²
Volume, LiDAR
3,106 m³
Parcel 24098A0523/00D000, Flanders · tallest building 14.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SINT-JOZEF
since 20012.116.586.421
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24098A0523/00D000 | Flanders | 385 m² | 1 · 359 m² | 14.0 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 siteScherpenheuvel-Zichem2.116.586.421
Dual-learning approval
1 live approvalRestaurant en keuken duaal (so)
Similar companies · same sector, comparable size
Bellini Anversa
BE 0687.751.774
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DE HEERLYCKHEID
BE 0848.065.555
Grobbendonk · Eq €379k
QUALITY GRILL
BE 0675.953.309
Binche · Eq €380k
SANMACI
BE 0558.875.990
Ciney · Eq €379k
JUNIOR
BE 0459.706.457
Seraing · Eq €380k
Of 20,232 companies in sector 56111 we hold annual accounts for 11,312. 6,975 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-04-2001
Fiscal year end31-12
Activities, NACEBEL
55301
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.