ROCHA
ActiveSummary
The computed 12-month bankruptcy probability of ROCHA is 2.8% (moderate). The 2024 annual accounts show equity of €162,812 and a net result of €5,904. Equity is growing by ~15.2% per year across the filed fiscal years. Its solvency ranks better than 56% of 36377 sector peers (fiscal year 2024). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability36▼-40
Solvency77▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9,000 at 30 days acceptable
Liquidity ample (current ratio 3.26 against 4.34 in 2023; short-term debt: 17% and cash: 32.8% of total assets), and 48.2% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
+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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-10-2025, 89 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 · 7 filingsDeviation from the deadline
2025
not confirmed
2024
89 d late
2023
41 d late
2022
43 d late
2021
46 d late
2020
34 d late
2019
89 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 57 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€162,812▲ 2.9%
2023 · €158,221
Total assets
€314,206▲ 4.3%
2023 · €301,161
Net result
€5,904▼ 64.8%
2023 · €16,796
Working capital
€120,536▲ 7.7%
2023 · €111,868
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
Line20202021202220232024
Operating result€26,039▲ 273%€28,640▲ 10.0%€28,775▲ 0.5%€23,584▼ 18.0%€30,065▲ 27.5%
Net result€19,041▲ 378%€21,000▲ 10.3%€21,085▲ 0.4%€16,796▼ 20.3%€5,904▼ 64.8%
Equity€103,277▲ 20.7%€122,965▲ 19.1%€142,737▲ 16.1%€158,221▲ 10.8%€162,812▲ 2.9%
Total assets€295,722▲ 4.6%€286,980▼ 3.0%€303,165▲ 5.6%€301,161▼ 0.7%€314,206▲ 4.3%
Debt€192,444▼ 2.4%€164,016▼ 14.8%€160,427▼ 2.2%€142,940▼ 10.9%€151,394▲ 5.9%
Working capital€75,677▲ 37.0%€93,634▲ 23.7%€93,633=€111,868▲ 19.5%€120,536▲ 7.7%
Staff (FTE)1
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 27% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €314,206
Fixed assets
€140,253 ▼ 10.0%
Current assets
€173,953 ▲ 19.7%
Equity and liabilities €314,206
Equity
€162,812 ▲ 2.9%
Debt
€151,394 ▲ 5.9%
Debt's share of the balance-sheet total rises from 47.5% to 48.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€46,041▲
2023 · €44,392
Cash flow
€21,879▼
2023 · €37,604
Current ratio
3.26▼
2023 · 4.34
Debt to equity
0.93▲
2023 · 0.90
ROE
3.6%▼
2023 · 10.6%
ROA
1.9%▼
2023 · 5.6%
Interest coverage
1.84▼
2023 · 14.27
Debt ≤ 1 year
€53,417▲
2023 · €33,510
Debt > 1 year
€97,977▼
2023 · €109,430
Income taxes
€2,725▼
2023 · €4,989
Staff costs
€687
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | - | €687 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €13,410 | €10,536 | €15,751 | €20,808 | €15,975 | ▼ 23.2% |
| Other operating charges640/8 | - | €1,213 | €1,353 | €2,923 | €1,888 | ▼ 35.4% |
| Gross operating margin9900 | €43,470 | €40,388 | €45,879 | €47,315 | €48,616 | ▲ 2.7% |
| Operating profit (loss)9901 | €26,039 | €28,640 | €28,775 | €23,584 | €30,065 | ▲ 27.5% |
| Financial income75/76B | - | €1,448 | €1,316 | €1,313 | €3,535 | ▲ 169% |
| Recurring financial income75 | €2,045 | €1,448 | €1,316 | €1,313 | €3,535 | ▲ 169% |
| Financial charges65/66B | - | €3,380 | €3,336 | €3,111 | €24,971 | ▲ 703% |
| Recurring financial charges65 | €3,652 | €3,380 | €3,336 | €3,111 | €24,971 | ▲ 703% |
| Profit (loss) for the period before taxes9903 | €24,432 | €26,707 | €26,755 | €21,785 | €8,629 | ▼ 60.4% |
| Income taxes67/77 | €5,391 | €5,707 | €5,670 | €4,989 | €2,725 | ▼ 45.4% |
| Profit (loss) for the period9904 | €19,041 | €21,000 | €21,085 | €16,796 | €5,904 | ▼ 64.8% |
| Profit (loss) for the period to be appropriated9905 | €19,041 | €21,000 | €21,085 | €16,796 | €5,904 | ▼ 64.8% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €295,722 | €286,980 | €303,165 | €301,161 | €314,206 | ▲ 4.3% |
| Fixed assets21/28 | €170,224 | €161,079 | €171,223 | €155,783 | €140,253 | ▼ 10.0% |
| Tangible fixed assets22/27 | €170,124 | €160,979 | €171,123 | €155,683 | €139,708 | ▼ 10.3% |
| Land and buildings22 | - | €159,942 | €149,946 | €139,949 | €129,953 | ▼ 7.1% |
| Plant, machinery and equipment23 | - | €1,037 | €2,512 | €2,249 | €1,049 | ▼ 53.4% |
| Furniture and vehicles24 | - | - | €18,666 | €13,484 | €8,706 | ▼ 35.4% |
| Financial fixed assets28 | €100 | €100 | €100 | €100 | €545 | ▲ 446% |
| Current assets29/58 | €125,498 | €125,902 | €131,942 | €145,378 | €173,953 | ▲ 19.7% |
| Amounts receivable within one year40/41 | €67,584 | €75,221 | €33,521 | €45,761 | €70,731 | ▲ 54.6% |
| Trade receivables40 | - | €64,270 | €14,007 | €29,191 | €51,571 | ▲ 76.7% |
| Other amounts receivable41 | - | €10,951 | €19,514 | €16,570 | €19,160 | ▲ 15.6% |
| Cash at bank and in hand54/58 | €56,946 | €49,235 | €97,401 | €98,285 | €103,044 | ▲ 4.8% |
| Deferred charges and accrued income490/1 | - | €1,446 | €1,019 | €1,332 | €178 | ▼ 86.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €295,722 | €286,980 | €303,165 | €301,161 | €314,206 | ▲ 4.3% |
| Equity10/15 | €103,277 | €122,965 | €142,737 | €158,221 | €162,812 | ▲ 2.9% |
| Contributions10/11 | - | €16,200 | €16,200 | €16,200 | €16,200 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | - | - | - |
| Distributable reserves133 | - | - | - | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €61,592 | €82,592 | €103,677 | €120,473 | €126,377 | ▲ 4.9% |
| Investment grants15 | - | €22,313 | €21,000 | €19,688 | €18,375 | ▼ 6.7% |
| Amounts payable17/49 | €192,444 | €164,016 | €160,427 | €142,940 | €151,394 | ▲ 5.9% |
| Amounts payable after more than one year17 | €142,624 | €131,747 | €122,119 | €109,430 | €97,977 | ▼ 10.5% |
| Financial debts170/4 | - | €131,747 | €122,119 | €109,430 | €97,977 | ▼ 10.5% |
| Amounts payable within one year42/48 | €49,821 | €32,268 | €38,309 | €33,510 | €53,417 | ▲ 59.4% |
| Current portion of amounts payable after more than one year42 | - | €10,876 | €15,305 | €12,689 | €11,453 | ▼ 9.7% |
| Trade debts44 | €18,233 | €13,837 | €13,957 | €9,612 | €20,027 | ▲ 108% |
| Suppliers440/4 | - | €13,837 | €13,957 | €9,612 | €20,027 | ▲ 108% |
| Taxes, remuneration and social security45 | - | €6,072 | €7,782 | €9,507 | €21,937 | ▲ 131% |
| Taxes450/3 | - | €2,122 | €1,512 | €3,507 | €13,535 | ▲ 286% |
| Remuneration and social security454/9 | - | €3,950 | €6,270 | €6,000 | €8,401 | ▲ 40.0% |
| Other amounts payable47/48 | - | €1,482 | €1,264 | €1,702 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €19,041 | €21,000 | €21,085 | €16,796 | €5,904 | ▼ 64.8% |
| + Depreciation and write-downs630 | €13,410 | €10,536 | €15,751 | €20,808 | €15,975 | ▼ 23.2% |
| Operating cash flow (approximation) | €32,452 | €31,536 | €36,836 | €37,604 | €21,879 | ▼ 41.8% |
| Investment in fixed assets (approximation) | - | -€1,390 | -€25,895 | -€5,369 | -€445 | ▲ 91.7% |
| Change in cash | - | -€7,711 | €48,166 | €884 | €4,760 | ▲ 439% |
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
2025
28-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 89 days late
2024
10-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 41 days late
2023
31-12
Financial
Equity above €150,000Eq €158,221 ▲10.8%
6 profitable years in a row build equity to €158,221.
12-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 43 days late
2022
15-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 46 days late
2021
03-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 34 days late
2020
31-12
Financial
Equity above €100,000Eq €103,277 ▲20.7%
3 profitable years in a row build equity to €103,277.
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
2019
31-12
Financial
Weakest financial yearnet €3,983 ▼90.1%
Net result drops to €3,983, the lowest in the series; recovery starts the following year.
09-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 40 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Schaarbeek · 2 establishment units since 2017
Ground area
242 m²
Building footprint
343 m²
Volume, LiDAR
2,478 m³
2 parcels, Brussels · tallest building 16.6 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
2 establishment units
ROCHA
since 20172.268.286.996
ROCHA
since 20182.284.491.441
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21902A0305/00M006 | Brussels | 140 m² | 1 · 273 m² | 16.6 m · 1 fl. |
| 21372C0043/00G006 | Brussels | 102 m² | 1 · 70 m² | 10.0 m · 3 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
699400PLMPF06VH7UL44
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Of 4,020 companies in sector 43310 we hold annual accounts for 1,747. 1,419 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
Founded15-09-2017
Fiscal year end31-12
Activities, NACEBEL 2025
43310Plastering work
16230Manufacture of other builders' carpentry and joinery
43422Screed work
Scores and ratios are computed by Checked and are not a credit decision.