ROGA HOLDING
ActiveSummary
ROGA HOLDING has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.00M and a net result of €142k. Equity is shrinking by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 63% of 4556 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability74▼-4
Solvency80▲+1
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €150k at 30 days acceptable
Liquidity ample (current ratio 3.5 against 2.5 in 2024; short-term debt: 5.9% and cash: 4.1% of total assets), and 45.2% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
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
54.8%
Return on assets
3.9%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
20 d late
2024
16 d early
2023
27 d early
2022
26 d early
2021
17 d early
2020
23 d early
2019
74 d late
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€43k
EBIT margin
595.8%
Net result
€142k▼ 48.5%
2024 · €276k
Working capital
€540k▲ 24.9%
2024 · €432k
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
Line20212022202320242025
Turnover€43k
Operating result€258k▲ 100%€177k▼ 31.3%€264k▲ 49.1%€331k▲ 25.1%€194k▼ 41.4%
Net result€211k▲ 232%€138k▼ 34.3%€210k▲ 51.9%€276k▲ 31.4%€142k▼ 48.5%
EBIT margin595.8%
Equity€2.07M▼ 20.3%€2.00M▼ 3.0%€2.00M=€2.00M=€2.00M=
Total assets€4.16M▼ 13.1%€4.09M▼ 1.5%€3.81M▼ 6.9%€3.71M▼ 2.6%€3.65M▼ 1.5%
Debt€1.77M▼ 5.4%€1.78M▲ 1.0%€1.65M▼ 7.5%€1.70M▲ 3.1%€1.65M▼ 3.3%
Working capital€303k▼ 58.9%€419k▲ 38.1%€407k▼ 2.8%€432k▲ 6.2%€540k▲ 24.9%
Staff (FTE)000
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 41% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.65M
Fixed assets
€2.90M ▼ 3.0%
Current assets
€756k ▲ 4.9%
Equity and liabilities €3.65M
Equity
€2.00M =
Provisions
€5k =
Debt
€1.65M ▼ 3.3%
Debt's share of the balance-sheet total falls from 45.8% to 45.0%. Debt is lower.
Key figures and ratios
EBITDA
€348k▼
2024 · €503k
Cash flow
€297k▼
2024 · €448k
Current ratio
3.50▲
2024 · 2.50
Debt to equity
0.82▼
2024 · 0.85
ROE
7.1%▼
2024 · 13.8%
ROA
3.9%▼
2024 · 7.4%
Interest coverage
6.13▼
2024 · 8.85
Debt ≤ 1 year
€216k▼
2024 · €289k
Debt > 1 year
€1.39M=
2024 · €1.39M
Income taxes
€1k▼
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €43k | - | - | - | - | - |
| Non-recurring operating income76A | €3k | €0 | - | - | €15k | - |
| Goods, raw materials, services and sundry goods60/61 | €41k | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €191k | €169k | €169k | €172k | €154k | ▼ 10.3% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | €-150k | €-152k | €0 | ▲ 100% |
| Other operating charges640/8 | €53k | €54k | €48k | €54k | €55k | ▲ 1.4% |
| Non-recurring operating charges66A | €0 | - | - | - | - | - |
| Gross operating margin9900 | €501k | €401k | €332k | €405k | €403k | ▼ 0.5% |
| Operating profit (loss)9901 | €258k | €177k | €264k | €331k | €194k | ▼ 41.4% |
| Financial income75/76B | €4k | €3k | €5k | €6k | €6k | ▲ 7.7% |
| Recurring financial income75 | €4k | €3k | €5k | €6k | €6k | ▲ 7.7% |
| Financial charges65/66B | €48k | €58k | €57k | €57k | €57k | = |
| Recurring financial charges65 | €48k | €58k | €57k | €57k | €57k | = |
| Profit (loss) for the period before taxes9903 | €214k | €123k | €212k | €280k | €143k | ▼ 48.8% |
| Transfer from deferred taxes780 | - | €19k | €0 | - | - | - |
| Income taxes67/77 | €4k | €4k | €2k | €4k | €1k | ▼ 71.3% |
| Profit (loss) for the period9904 | €211k | €138k | €210k | €276k | €142k | ▼ 48.5% |
| Transfer from tax-exempt reserves789 | - | €63k | €0 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €211k | €202k | €210k | €276k | €142k | ▼ 48.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €4.16M | €4.09M | €3.81M | €3.71M | €3.65M | ▼ 1.5% |
| Fixed assets21/28 | €3.48M | €3.31M | €3.15M | €2.99M | €2.90M | ▼ 3.0% |
| Tangible fixed assets22/27 | €3.48M | €3.31M | €3.15M | €2.99M | €2.90M | ▼ 3.0% |
| Land and buildings22 | €3.43M | €3.27M | €3.12M | €2.96M | €2.82M | ▼ 4.7% |
| Plant, machinery and equipment23 | - | - | - | €9k | €8k | ▼ 10.6% |
| Furniture and vehicles24 | €50k | €36k | €26k | €13k | €65k | ▲ 397% |
| Other tangible fixed assets26 | €6k | €5k | €4k | €3k | €2k | ▼ 39.3% |
| Current assets29/58 | €674k | €781k | €662k | €721k | €756k | ▲ 4.9% |
| Amounts receivable within one year40/41 | €309k | €667k | €525k | €593k | €602k | ▲ 1.4% |
| Trade receivables40 | €0 | €240k | €0 | €2k | €0 | ▼ 100% |
| Other amounts receivable41 | €309k | €427k | €525k | €592k | €602k | ▲ 1.7% |
| Cash at bank and in hand54/58 | €365k | €113k | €137k | €128k | €150k | ▲ 17.6% |
| Deferred charges and accrued income490/1 | - | - | - | - | €4k | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €4.16M | €4.09M | €3.81M | €3.71M | €3.65M | ▼ 1.5% |
| Equity10/15 | €2.07M | €2.00M | €2.00M | €2.00M | €2.00M | = |
| Contributions10/11 | €566k | €566k | €566k | €566k | €566k | = |
| Capital10 | €566k | €566k | €566k | €566k | €566k | = |
| Issued capital100 | €566k | €566k | €566k | €566k | €566k | = |
| Reserves13 | €120k | €57k | €57k | €57k | €57k | = |
| Non-distributable reserves130/1 | €57k | €57k | €57k | €57k | €57k | = |
| Legal reserve130 | €57k | €57k | €57k | €57k | €57k | = |
| Tax-exempt reserves132 | €63k | €0 | - | - | - | - |
| Profit (loss) carried forward14 | €1.38M | €1.38M | €1.38M | €1.38M | €1.38M | = |
| Provisions and deferred taxes16 | €326k | €307k | €157k | €5k | €5k | = |
| Provisions for liabilities and charges160/5 | €307k | €307k | €157k | €5k | €5k | = |
| Pensions and similar obligations160 | €302k | €302k | €152k | €0 | - | - |
| Other liabilities and charges164/5 | €5k | €5k | €5k | €5k | €5k | = |
| Deferred taxes168 | €19k | €0 | - | - | - | - |
| Amounts payable17/49 | €1.77M | €1.78M | €1.65M | €1.70M | €1.65M | ▼ 3.3% |
| Amounts payable after more than one year17 | €1.39M | €1.39M | €1.39M | €1.39M | €1.39M | = |
| Financial debts170/4 | €1.39M | €1.39M | €1.39M | €1.39M | €1.39M | = |
| Amounts payable within one year42/48 | €371k | €362k | €255k | €289k | €216k | ▼ 25.1% |
| Current portion of amounts payable after more than one year42 | €100k | €0 | - | - | - | - |
| Trade debts44 | €6k | €6k | €12k | €11k | €72k | ▲ 560% |
| Suppliers440/4 | €6k | €6k | €12k | €11k | €72k | ▲ 560% |
| Taxes, remuneration and social security45 | €16k | €34k | €19k | €2k | €0 | ▼ 100% |
| Taxes450/3 | €16k | €34k | €19k | €2k | €0 | ▼ 100% |
| Other amounts payable47/48 | €249k | €322k | €224k | €276k | €145k | ▼ 47.6% |
| Accrued charges and deferred income492/3 | - | €27k | €0 | €17k | €34k | ▲ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €211k | €138k | €210k | €276k | €142k | ▼ 48.5% |
| + Depreciation and write-downs630 | €191k | €169k | €169k | €172k | €154k | ▼ 10.3% |
| Operating cash flow (approximation) | €401k | €308k | €380k | €448k | €297k | ▼ 33.8% |
| Investment in fixed assets (approximation) | - | €0 | €-4k | €-12k | €-64k | ▼ 420% |
| Change in cash | - | €-252k | €23k | €-9k | €22k | ▲ 344% |
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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 20 days late
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €276k ▲31.4%
Operating result €331k, net result €276k, both a record.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €63k ▼43.3%
Net result drops to €63k, the lowest in the series; recovery starts the following year.
13-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 74 days late
2019
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
12-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
6 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, Sint-Katelijne-Waver · 1 establishment unit since 1992
Ground area
9,063 m²
Building footprint
452 m²
Volume, LiDAR
1,038 m³
Parcel 12035E0073/00T000, Flanders · tallest building 12.3 m. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Beukendreef 36, 2860 Sint-Katelijne-Waver
since 19922.056.418.212
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12035E0073/00T000 | Flanders | 9,062 m² | 1 · 452 m² | 12.3 m |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
DEBERVES
BE 0425.834.948
Gembloux · Eq €2,004,559
Marnise
BE 0427.014.784
Beerse · Eq €2,002,229
LAMOT - SERVICES
BE 0841.123.721
Tubize · Eq €2,006,695
CALADOR
BE 0446.511.388
Rixensart · Eq €2,008,037
LEOVILLE PROPERTIES V
BE 0450.120.679
Kraainem · Eq €1,998,722
Of 11,756 companies in sector 68310 we hold annual accounts for 6,904. 2,781 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded07-02-1992
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
Scores and ratios are computed by Checked and are not a credit decision.