Summary
ROCS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €123,129 and a net result of €23,646. Equity is growing by about 23% per year across the filed financial years. Its solvency ranks better than 55% of 9,767 sector peers (NACE 64, financial year 2025). The company has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, micro format
Equity
€123,129▲ 23.8%
2024 · €99,483
Net result
€23,646▲ 6.5%
2024 · €22,213
Total assets
€215,561▲ 11.9%
2024 · €192,570
Solvency
57.1%▲ 5.5pp
2024 · 51.7%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result recovers in 2025; 2025 is 7% above 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€39,416
2025
Net result€23,646
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€215,561
2025
Equity€123,129
2025
Debt€92,432
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€152,300
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)11.0%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency57.1%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio7.13
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€27,029-€5,505▼ 79.6%€19,022▲ 246%-€12,645€24,311€52,953▲ 118%€36,875▼ 30.4%€39,416▲ 6.9%
Net result€17,699-€2,572▼ 85.5%€12,746within the sector's middle half▲ 396%-€13,622below the sector's middle half€14,682within the sector's middle half€31,605within the sector's middle half▲ 115%€22,213within the sector's middle half▼ 29.7%€23,646within the sector's middle half▲ 6.5%
Equity€30,099-€31,859▲ 5.8%€44,604within the sector's middle half▲ 40.0%€30,983below the sector's middle half▼ 30.5%€45,665within the sector's middle half▲ 47.4%€77,270within the sector's middle half▲ 69.2%€99,483within the sector's middle half▲ 28.7%€123,129within the sector's middle half▲ 23.8%
Total assets€59,270-€97,588▲ 64.7%€75,497below the sector's middle half▼ 22.6%€46,673below the sector's middle half▼ 38.2%€81,215below the sector's middle half▲ 74.0%€172,180within the sector's middle half▲ 112%€192,570within the sector's middle half▲ 11.8%€215,561within the sector's middle half▲ 11.9%
Debt€29,171-€65,730▲ 125%€30,892▼ 53.0%€15,690▼ 49.2%€35,550▲ 127%€94,910▲ 167%€93,087▼ 1.9%€92,432▼ 0.7%
Working capital€30,099-€15,340▼ 49.0%€30,100within the sector's middle half▲ 96.2%€20,021within the sector's middle half▼ 33.5%€38,951within the sector's middle half▲ 94.6%€84,968within the sector's middle half▲ 118%€122,418within the sector's middle half▲ 44.1%€152,300above the sector's middle half▲ 24.4%
Solvency50.8%-32.6%▼ 18.1pp59.1%within the sector's middle half▲ 26.4pp66.4%within the sector's middle half▲ 7.3pp56.2%within the sector's middle half▼ 10.2pp44.9%within the sector's middle half▼ 11.4pp51.7%within the sector's middle half▲ 6.8pp57.1%within the sector's middle half▲ 5.5pp
Current ratio2.03-1.23▼ 0.801.97within the sector's middle half▲ 0.742.35within the sector's middle half▲ 0.372.10within the sector's middle half▼ 0.253.84within the sector's middle half▲ 1.755.80above the sector's middle half▲ 1.967.13above the sector's middle half▲ 1.33
Return on assets (ROA)29.9%-2.6%▼ 27.2pp16.9%within the sector's middle half▲ 14.2pp-29.2%below the sector's middle half▼ 46.1pp18.1%within the sector's middle half▲ 47.3pp18.4%within the sector's middle half▲ 0.3pp11.5%within the sector's middle half▼ 6.8pp11.0%within the sector's middle half▼ 0.6pp
above
within
below
the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €215,561
Fixed assets
€38,423 ▼ 14.0%
Current assets
€177,139 ▲ 19.8%
Equity and liabilities €215,561
Equity
€123,129 ▲ 23.8%
Debt
€92,432 ▼ 0.7%
Debt's share of the balance-sheet total falls from 48.3% to 42.9%. Equity is higher and debt is lower.
Key figures and ratios
ROE
19.2%▼
2024 · 22.3%
Debt ≤ 1 year
€24,839▼
2024 · €25,494
Debt > 1 year
€65,000=
2024 · €65,000
Income taxes
€11,979▲
2024 · €10,837
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €4,130 | €4,381 | €5,038 | €5,066 | €7,952 | €12,644 | €12,584 | ▼ 0.5% |
| Other operating charges640/8 | - | - | - | €1,922 | €1,688 | €1,613 | €1,045 | €1,432 | ▲ 37.0% |
| Non-recurring operating charges66A | - | - | - | - | - | €2,461 | €0 | - | - |
| Gross operating margin9900 | €28,993 | €10,536 | €24,689 | -€5,685 | €31,064 | €64,980 | €50,564 | €53,433 | ▲ 5.7% |
| Operating profit (loss)9901 | €27,029 | €5,505 | €19,022 | -€12,645 | €24,311 | €52,953 | €36,875 | €39,416 | ▲ 6.9% |
| Financial income75/76B | - | - | - | - | - | €17 | €4 | €0 | ▼ 100% |
| Recurring financial income75 | €4 | - | €1 | - | - | €17 | €4 | €0 | ▼ 100% |
| Financial charges65/66B | - | - | - | €566 | €1,037 | €1,110 | €3,829 | €3,790 | ▼ 1.0% |
| Recurring financial charges65 | €694 | €591 | €591 | €566 | €1,037 | €1,110 | €3,829 | €3,790 | ▼ 1.0% |
| Profit (loss) for the period before taxes9903 | €26,340 | €4,914 | €18,432 | -€13,211 | €23,275 | €51,859 | €33,050 | €35,626 | ▲ 7.8% |
| Income taxes67/77 | €8,641 | €2,342 | €5,686 | €411 | €8,592 | €20,255 | €10,837 | €11,979 | ▲ 10.5% |
| Profit (loss) for the period9904 | €17,699 | €2,572 | €12,746 | -€13,622 | €14,682 | €31,605 | €22,213 | €23,646 | ▲ 6.5% |
| Profit (loss) for the period to be appropriated9905 | €17,699 | €2,572 | €12,746 | -€13,622 | €14,682 | €31,605 | €22,213 | €23,646 | ▲ 6.5% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €59,270 | €97,588 | €75,497 | €46,673 | €81,215 | €172,180 | €192,570 | €215,561 | ▲ 11.9% |
| Fixed assets21/28 | - | €16,519 | €14,504 | €11,780 | €6,714 | €57,302 | €44,658 | €38,423 | ▼ 14.0% |
| Tangible fixed assets22/27 | - | €16,519 | €14,504 | €11,780 | €6,714 | €57,302 | €44,658 | €38,423 | ▼ 14.0% |
| Plant, machinery and equipment23 | - | - | - | - | - | - | - | €6,158 | - |
| Furniture and vehicles24 | - | - | - | €10,028 | €5,838 | €57,302 | €44,658 | €32,265 | ▼ 27.8% |
| Other tangible fixed assets26 | - | - | - | €1,752 | €876 | €0 | - | - | - |
| Current assets29/58 | €59,270 | €81,069 | €60,993 | €34,893 | €74,500 | €114,878 | €147,912 | €177,139 | ▲ 19.8% |
| Amounts receivable within one year40/41 | €1,342 | €31,766 | €9,258 | €5,557 | €17,018 | €2,284 | €7,363 | €16,075 | ▲ 118% |
| Trade receivables40 | - | - | - | €5,557 | €17,018 | €2,284 | €1,500 | €8,971 | ▲ 498% |
| Other amounts receivable41 | - | - | - | - | - | - | €5,863 | €7,104 | ▲ 21.2% |
| Cash at bank and in hand54/58 | €54,743 | €46,305 | €27,903 | €24,545 | €56,693 | €108,607 | €136,245 | €153,627 | ▲ 12.8% |
| Deferred charges and accrued income490/1 | - | - | - | €4,791 | €790 | €3,987 | €4,304 | €7,437 | ▲ 72.8% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €59,270 | €97,588 | €75,497 | €46,673 | €81,215 | €172,180 | €192,570 | €215,561 | ▲ 11.9% |
| Equity10/15 | €30,099 | €31,859 | €44,604 | €30,983 | €45,665 | €77,270 | €99,483 | €123,129 | ▲ 23.8% |
| Contributions10/11 | €12,400 | €12,400 | - | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €17,699 | €19,459 | €32,204 | €19,459 | €33,265 | €64,870 | €87,083 | €110,729 | ▲ 27.2% |
| Non-distributable reserves130/1 | - | - | - | €1,105 | €1,105 | €0 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,105 | €1,105 | €0 | - | - | - |
| Distributable reserves133 | - | - | - | €18,353 | €32,160 | €64,870 | €87,083 | €110,729 | ▲ 27.2% |
| Profit (loss) carried forward14 | - | - | - | -€876 | - | - | - | - | - |
| Amounts payable17/49 | €29,171 | €65,730 | €30,892 | €15,690 | €35,550 | €94,910 | €93,087 | €92,432 | ▼ 0.7% |
| Amounts payable after more than one year17 | - | - | - | - | - | €65,000 | €65,000 | €65,000 | = |
| Financial debts170/4 | - | - | - | - | - | €65,000 | €65,000 | €65,000 | = |
| Amounts payable within one year42/48 | €29,171 | €65,730 | €30,892 | €14,872 | €35,550 | €29,910 | €25,494 | €24,839 | ▼ 2.6% |
| Trade debts44 | €421 | €36,845 | €7,590 | €5,618 | €11,564 | €2,301 | €767 | €4,572 | ▲ 496% |
| Suppliers440/4 | - | - | - | €5,618 | €11,564 | €2,301 | €767 | €4,572 | ▲ 496% |
| Taxes, remuneration and social security45 | - | - | - | €7,630 | €20,209 | €14,040 | €12,637 | €20,072 | ▲ 58.8% |
| Taxes450/3 | - | - | - | €7,630 | €20,209 | €14,040 | €12,637 | €20,072 | ▲ 58.8% |
| Other amounts payable47/48 | - | - | - | €1,625 | €3,776 | €13,569 | €12,089 | €195 | ▼ 98.4% |
| Accrued charges and deferred income492/3 | - | - | - | €818 | - | - | €2,594 | €2,594 | = |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €17,699 | €2,572 | €12,746 | -€13,622 | €14,682 | €31,605 | €22,213 | €23,646 | ▲ 6.5% |
| + Depreciation and write-downs630 | - | €4,130 | €4,381 | €5,038 | €5,066 | €7,952 | €12,644 | €12,584 | ▼ 0.5% |
| Operating cash flow (approximation) | €17,699 | €6,701 | €17,126 | -€8,584 | €19,748 | €39,557 | €34,857 | €36,231 | ▲ 3.9% |
| Investment in fixed assets (approximation) | - | - | -€2,365 | -€2,313 | €0 | -€58,540 | €0 | -€6,349 | - |
| Change in cash | - | -€8,438 | -€18,402 | -€3,358 | €32,148 | €51,914 | €27,638 | €17,382 | ▼ 37.1% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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Of the 24,455 companies in this sector, figures are known for 19,970. 12,983 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: not fully processed yet. The notices from June 2020 to September 2026 are still being read.