ROCARS
ActiveSummary
The computed 12-month bankruptcy probability of ROCARS is 1.9% (moderate). The 2025 annual accounts show equity of €282,875 and a net result of €179,053. Equity is growing by ~120% per year across the filed fiscal years. Its solvency ranks better than 73% of 18606 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency87▲+11
Growth78=
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €20,000 at 30 days acceptable
Liquidity ample (current ratio 2.59 against 1.99 in 2024; short-term debt: 37.8% and cash: 2.1% of total assets), and 38% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 · 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
62%
Return on assets
39.3%
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 03-07-2026, 28 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
28 d early
2024
30 d early
2023
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 19 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€282,875▲ 170%
2024 · €104,682
Total assets
€455,899▲ 121%
2024 · €206,458
Net result
€179,053▲ 145%
2024 · €73,101
Working capital
€273,485▲ 171%
2024 · €100,782
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€27,074-€90,501▲ 234%€232,316▲ 157%
Net result€21,580above the sector's middle half-€73,101above the sector's middle half▲ 239%€179,053above the sector's middle half▲ 145%
Equity€31,580within the sector's middle half-€104,682within the sector's middle half▲ 231%€282,875above the sector's middle half▲ 170%
Total assets€151,288within the sector's middle half-€206,458within the sector's middle half▲ 36.5%€455,899above the sector's middle half▲ 121%
Debt€119,708-€101,776▼ 15.0%€173,024▲ 70.0%
Working capital€26,243within the sector's middle half-€100,782above the sector's middle half▲ 284%€273,485above the sector's middle half▲ 171%
Solvency20.9%within the sector's middle half-50.7%within the sector's middle half▲ 29.8pp62.0%within the sector's middle half▲ 11.3pp
Current ratio1.22within the sector's middle half-1.99within the sector's middle half▲ 0.772.59within the sector's middle half▲ 0.60
Return on assets (ROA)14.3%above the sector's middle half-35.4%above the sector's middle half▲ 21.1pp39.3%above the sector's middle half▲ 3.9pp
Staff (FTE)1-1.6▲ 60.0%1.8▲ 12.5%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 157% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €455,899
Fixed assets
€9,996 ▲ 156%
Current assets
€445,903 ▲ 120%
Equity and liabilities €455,899
Equity
€282,875 ▲ 170%
Debt
€173,024 ▲ 70.0%
Debt's share of the balance-sheet total falls from 49.3% to 38.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€234,570▲
2024 · €91,939
Cash flow
€181,307▲
2024 · €74,539
Quick ratio
0.10▼
2024 · 0.28
Debt to equity
0.61▼
2024 · 0.97
ROE
63.3%▼
2024 · 69.8%
Interest coverage
656.45▲
2024 · 415.83
Debt ≤ 1 year
€172,418▲
2024 · €101,776
Income taxes
€52,915▲
2024 · €17,190
Staff costs
€28,964▲
2024 · €24,531
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 39,276 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.9% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 39,276 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
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €5,762 | €24,531 | €28,964 | ▲ 18.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €412 | €1,438 | €2,254 | ▲ 56.8% |
| Other operating charges640/8 | €50 | €1,130 | €4,495 | ▲ 298% |
| Non-recurring operating charges66A | - | - | €1,400 | - |
| Gross operating margin9900 | €33,298 | €117,600 | €269,429 | ▲ 129% |
| Operating profit (loss)9901 | €27,074 | €90,501 | €232,316 | ▲ 157% |
| Financial income75/76B | €39 | €11 | €10 | ▼ 12.4% |
| Recurring financial income75 | €39 | €11 | €10 | ▼ 12.4% |
| Financial charges65/66B | €3 | €221 | €357 | ▲ 61.6% |
| Recurring financial charges65 | €3 | €221 | €357 | ▲ 61.6% |
| Profit (loss) for the period before taxes9903 | €27,109 | €90,291 | €231,968 | ▲ 157% |
| Income taxes67/77 | €5,529 | €17,190 | €52,915 | ▲ 208% |
| Profit (loss) for the period9904 | €21,580 | €73,101 | €179,053 | ▲ 145% |
| Profit (loss) for the period to be appropriated9905 | €21,580 | €73,101 | €179,053 | ▲ 145% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €151,288 | €206,458 | €455,899 | ▲ 121% |
| Fixed assets21/28 | €5,338 | €3,900 | €9,996 | ▲ 156% |
| Tangible fixed assets22/27 | €5,338 | €3,900 | €9,996 | ▲ 156% |
| Plant, machinery and equipment23 | - | - | €1,496 | - |
| Furniture and vehicles24 | €5,338 | €3,900 | €8,499 | ▲ 118% |
| Current assets29/58 | €145,951 | €202,558 | €445,903 | ▲ 120% |
| Stocks and contracts in progress3 | €120,804 | €174,061 | €429,048 | ▲ 146% |
| Stocks30/36 | €120,804 | €174,061 | €429,048 | ▲ 146% |
| Amounts receivable within one year40/41 | €0 | €12,450 | €3,298 | ▼ 73.5% |
| Trade receivables40 | €0 | €12,450 | €3,273 | ▼ 73.7% |
| Other amounts receivable41 | €0 | - | €26 | - |
| Cash at bank and in hand54/58 | €24,668 | €10,970 | €9,557 | ▼ 12.9% |
| Deferred charges and accrued income490/1 | €479 | €5,077 | €3,999 | ▼ 21.2% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €151,288 | €206,458 | €455,899 | ▲ 121% |
| Equity10/15 | €31,580 | €104,682 | €282,875 | ▲ 170% |
| Contributions10/11 | €10,000 | €10,000 | €10,000 | = |
| Profit (loss) carried forward14 | €21,580 | €94,682 | €272,875 | ▲ 188% |
| Amounts payable17/49 | €119,708 | €101,776 | €173,024 | ▲ 70.0% |
| Amounts payable within one year42/48 | €119,708 | €101,776 | €172,418 | ▲ 69.4% |
| Current portion of amounts payable after more than one year42 | - | €7,232 | €16,714 | ▲ 131% |
| Trade debts44 | €1,713 | €17,301 | €90,492 | ▲ 423% |
| Suppliers440/4 | €1,713 | €17,301 | €90,492 | ▲ 423% |
| Advances received on contracts in progress46 | €500 | - | - | - |
| Taxes, remuneration and social security45 | €11,552 | €26,287 | €55,296 | ▲ 110% |
| Taxes450/3 | €8,675 | €15,094 | €46,414 | ▲ 207% |
| Remuneration and social security454/9 | €2,877 | €11,193 | €8,882 | ▼ 20.6% |
| Other amounts payable47/48 | €105,943 | €50,956 | €9,916 | ▼ 80.5% |
| Accrued charges and deferred income492/3 | - | - | €605 | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €21,580 | €73,101 | €179,053 | ▲ 145% |
| + Depreciation and write-downs630 | €412 | €1,438 | €2,254 | ▲ 56.8% |
| Operating cash flow (approximation) | €21,993 | €74,539 | €181,307 | ▲ 143% |
| Investment in fixed assets (approximation) | - | €0 | -€8,350 | - |
| Change in cash | - | -€13,697 | -€1,413 | ▲ 89.7% |
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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €179,053 ▲145%
Operating result €232,316, net result €179,053, both a record.
31-12
Financial
Equity above €200,000Eq €282,875 ▲170%
3 profitable years in a row build equity to €282,875.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100,000Eq €104,682 ▲231%
2 profitable years in a row build equity to €104,682.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Herstal · 1 establishment unit since 2023
Ground area
1,989 m²
Building footprint
214 m²
Volume, LiDAR
1,560 m³
2 parcels, Wallonia · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ROCARS
since 20232.349.223.402
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62314F0159/00C003 | Wallonia | 1,185 m² | 1 · 158 m² | 9.1 m · 2 fl. |
| 62071B0698/00C009 | Wallonia | 805 m² | 1 · 56 m² | 7.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
648800G4NQFLA5Y5BX02
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Of 10,664 companies in sector 47811 we hold annual accounts for 5,226. 3,671 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded11-09-2023
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0805684176
Registered
21-05-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.