ROFF
ActiveSummary
The computed 12-month bankruptcy probability of ROFF is 1.9% (moderate). The 2025 annual accounts show negative equity (-€61,900) and a net result of -€11,847. Equity has been shrinking by about 40% per year since 2018. Its solvency ranks better than 5% of 22,774 sector peers (NACE 47, financial year 2025). The company has been active since 2017 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 09-10-2017 Normal situation
- Activity
- Retail trade NACE 47519and 3 others
- Establishment unit
- 2.269.286.591 3930 Hamont-Achel, since 09-10-2017
- Financial year end
- 31 December
- Peppol
- Reachable since 21-10-2026
Board and ownership
- DOMS PatrickDirector
- J. & P.43.01%· score 962025 annual accounts of J. & P.
Financial position
- Bankruptcy probabilitywithin 12 months
- 1.9%
- Gross margin
- -€1,365
- ▼ 17.1%
- Loss
- €11,847
- ▲ 5.5%
- Equity
- -€61,900
- ▼ 23.7%
- Total assets
- €21,228
- ▼ 33.9%
- Negative equity on 31-12-2025
Score breakdownraises riskLoss of €11,847, the second in a row (financial year 2025)Negative equity -€61,900Sector: Retail trade (NACE 47)lowers riskSize: total assets €21,228Show the evidence
Checked score
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 6% of them on solvency, 5% on liquidity, 6% on profitability and 18% on growth.
The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 4 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 31-07-2026 at the NBB all 8 filings
Every figure per financial year
The operating result for 2025 is a loss of €11,806, larger than the loss of €11,162 in 2024. It is the lowest result since 2021.
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Intangible fixed assets | €16,835 | €13,685 | €5,785 | €7,333 | - |
| Depreciation and write-downs of the year | €1,794 | €6,027 | €8,406 | €9,548 | €9,980 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Turnover70 | - | - | €2,436 | - | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €572 | €465 | €541 | €1,794 | €6,027 | €8,406 | €9,548 | €9,980 | ▲ 4.5% |
| Other operating charges640/8 | - | - | - | €464 | €604 | €446 | €449 | €462 | ▲ 2.8% |
| Gross operating margin9900 | -€1,562 | -€2,038 | €373 | -€1,709 | -€3,141 | -€287 | -€1,165 | -€1,365 | ▼ 17.1% |
| Operating profit (loss)9901 | -€2,741 | -€2,977 | -€1,462 | -€3,967 | -€9,772 | -€9,139 | -€11,162 | -€11,806 | ▼ 5.8% |
| Financial income75/76B | - | - | - | €890 | €359 | €750 | €0 | - | - |
| Recurring financial income75 | €1,048 | €1,020 | €919 | €890 | €359 | €750 | €0 | - | - |
| Financial charges65/66B | - | - | - | €6,139 | €3,366 | €69 | €71 | €40 | ▼ 43.1% |
| Recurring financial charges65 | €8,098 | €8,645 | €6,029 | €6,139 | €3,366 | €69 | €71 | €40 | ▼ 43.1% |
| Profit (loss) for the period before taxes9903 | -€9,791 | -€10,602 | -€6,573 | -€9,216 | -€12,779 | -€8,458 | -€11,233 | -€11,847 | ▼ 5.5% |
| Profit (loss) for the period9904 | -€9,791 | -€10,602 | -€6,573 | -€9,216 | -€12,779 | -€8,458 | -€11,233 | -€11,847 | ▼ 5.5% |
| Profit (loss) for the period to be appropriated9905 | -€9,791 | -€10,602 | -€6,573 | -€9,216 | -€12,779 | -€8,458 | -€11,233 | -€11,847 | ▼ 5.5% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €67,432 | €63,945 | €73,182 | €87,478 | €73,042 | €65,765 | €32,119 | €21,228 | ▼ 33.9% |
| Formation expenses20 | €1,753 | €1,288 | €823 | €358 | €0 | - | - | - | - |
| Fixed assets21/28 | - | - | €6,569 | €22,074 | €30,090 | €27,469 | €25,254 | €15,274 | ▼ 39.5% |
| Intangible fixed assets21 | - | - | €6,569 | €22,074 | €30,090 | €27,469 | €25,254 | €15,274 | ▼ 39.5% |
| Current assets29/58 | €65,679 | €62,657 | €65,791 | €65,046 | €42,952 | €38,296 | €6,865 | €5,954 | ▼ 13.3% |
| Amounts receivable within one year40/41 | €64,151 | €61,639 | €64,807 | €64,156 | €42,497 | €37,904 | €5,016 | €5,538 | ▲ 10.4% |
| Trade receivables40 | - | - | - | €244 | €33,687 | €30,006 | €244 | €761 | ▲ 212% |
| Other amounts receivable41 | - | - | - | €63,912 | €8,809 | €7,898 | €4,773 | €4,777 | ▲ 0.1% |
| Cash at bank and in hand54/58 | - | - | - | - | €97 | €34 | €1,849 | €416 | ▼ 77.5% |
| Deferred charges and accrued income490/1 | - | - | - | €890 | €359 | €359 | €0 | - | - |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €67,432 | €63,945 | €73,182 | €87,478 | €73,042 | €65,765 | €32,119 | €21,228 | ▼ 33.9% |
| Equity10/15 | -€3,591 | -€14,193 | -€8,366 | -€17,582 | -€30,361 | -€38,820 | -€50,053 | -€61,900 | ▼ 23.7% |
| Contributions10/11 | €6,200 | €6,200 | - | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | -€9,791 | -€20,393 | -€26,966 | -€36,182 | -€48,961 | -€57,420 | -€68,653 | -€80,500 | ▼ 17.3% |
| Amounts payable17/49 | €71,023 | €78,138 | €81,548 | €105,060 | €103,404 | €104,585 | €82,172 | €83,127 | ▲ 1.2% |
| Amounts payable after more than one year17 | - | - | €37,600 | €37,600 | €0 | - | - | - | - |
| Financial debts170/4 | - | - | - | €37,600 | €0 | - | - | - | - |
| Amounts payable within one year42/48 | €71,023 | €78,138 | €43,811 | €66,920 | €103,124 | €104,305 | €82,172 | €83,127 | ▲ 1.2% |
| Financial debts43 | - | - | - | €48,228 | €0 | - | - | - | - |
| Credit institutions430/8 | - | - | - | €48,228 | €0 | - | - | - | - |
| Trade debts44 | €1,574 | €874 | €5,192 | €17,932 | €19,906 | €14,943 | €62 | €517 | ▲ 734% |
| Suppliers440/4 | - | - | - | €17,932 | €19,906 | €14,943 | €62 | €517 | ▲ 734% |
| Advances received on contracts in progress46 | - | - | - | - | €81,500 | €81,500 | €81,500 | €81,500 | = |
| Taxes, remuneration and social security45 | - | - | - | €0 | €318 | €0 | - | - | - |
| Taxes450/3 | - | - | - | €0 | €318 | €0 | - | - | - |
| Other amounts payable47/48 | - | - | - | €760 | €1,400 | €7,862 | €610 | €1,110 | ▲ 82.0% |
| Accrued charges and deferred income492/3 | - | - | - | €540 | €280 | €280 | €0 | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€9,791 | -€10,602 | -€6,573 | -€9,216 | -€12,779 | -€8,458 | -€11,233 | -€11,847 | ▼ 5.5% |
| + Depreciation and write-downs630 | €572 | €465 | €541 | €1,794 | €6,027 | €8,406 | €9,548 | €9,980 | ▲ 4.5% |
| Operating cash flow (approximation) | -€9,219 | -€10,137 | -€6,031 | -€7,422 | -€6,752 | -€52 | -€1,685 | -€1,867 | ▼ 10.8% |
| Investment in fixed assets (approximation) | - | - | - | -€17,300 | -€14,043 | -€5,785 | -€7,333 | €0 | - |
| Change in cash | - | - | - | - | - | -€64 | €1,816 | -€1,433 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 6,008 companies had the same profile as ROFF has now. Two years later, 83.0% were still going and 7.9% had gone bankrupt.
- Micro
- 5 to 10 years old
- negative equity
- a loss of 10% of the balance sheet or more
Another 0.8% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of ROFF itself: 1.9% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,008 companies, not a prediction for ROFF. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Filings with the National Bank (8)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 31-07-2026 | 2026-00363521 | |
| 31-12-2024 | micro format | 25-08-2025 | 2025-00397974 | |
| 31-12-2023 | micro format | 30-07-2024 | 2024-00303415 | |
| 31-12-2022 | micro format | 03-07-2023 | 2023-00193668 | |
| 31-12-2021 | micro format | 28-07-2022 | 2022-20237714 | |
| 31-12-2020 | micro format | 16-07-2021 | 2021-36400460 | |
| 31-12-2019 | micro format | 23-07-2020 | 2020-33000398 | |
| 31-12-2018 | micro format | 29-08-2019 | 2019-56700392 |
Board & ownership
Directors
Owners and capital
Shareholders
1 ownerOwners 1
- Sourceaccounts J. & P. 2025Equity €1.4m Profit of €167,699 in 2025 (profit of €468,076 in 2024) Checked score 9643.01%
Capital transactions
- 02-08-2022 Capital stated in the deed · 200 shares
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| DOMS Patrick |
|
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Één of meer bestuurders, algemene vergadering bepaalt aantal,duur opdracht en bij meerdere bevoegdheid”
Articles of association, deed of 02-08-2022 (in Dutch)
Network & group
Companies at the same address
4 other companiesConnections & network
1 current directorThe network starts from the directors of ROFF. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
02-08
Gazette deed
Change of role: DOMS Patrick, from manager to directorRegistered office clause · Power of attorney · Amendment of the articles13 points ▸
- Registered office clause, “3930 Hamont-Achel,Kapelstraat 75” (deed in Dutch)
- Director resignation, DOMS Patrick (manager)
- Director appointment, DOMS Patrick (director (not named in the articles))
- Other provision, “kwijting ontslagnemende zaakvoerder, algemene vergadering zal op volgende jaarvergadering beslissen over kwijting voor uitoefening mandaat” (deed in Dutch)
- Power of attorney, Wendy Geusens
- Power of attorney, mentioned 2 times in the deed
- Other provision, “wijziging aantal aandelen door aandelensplit/herschikking aandelen, meer aandelen met lagere waarde per aandeel” (deed in Dutch)
- Amendment of the articles, mentioned 2 times in the deed
- Capital conversion, “van rechtswege omgezet, artikel 39,§2,tweede lid van de wet van 23-03-2019” (deed in Dutch)
- Capital conversion, “opheffing statutair onbeschikbare eigen vermogensrekening en beschikbaar maken voor uitkering, vormen en meerderheden van statutenwijziging” (deed in Dutch)
- Other provision, “verslag bestuurder inzake wijziging voorwerp”, 19-07-2022 (deed in Dutch)
- Purpose change
- The act holds 1 more point.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 72012D0005/00Z000 | Flanders | 1,035 m² | 1 · 159 m² | 7.8 m · 2 |