Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of ROICO is 0.9% (low). The 2024 annual accounts show equity of €36k and a net result of €760. Equity is growing by ~11% per year across the filed fiscal years. Its solvency ranks better than 53% of 3174 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 3 annual accounts.
Signals
2 signals · with evidenceConsistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend Growing equity
Equity grew over 2022-2024. Profits are largely retained rather than distributed.
View the equity trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 13 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-08-2025, 22 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.
How we compute the deadline
The year end is derived from 3 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 22-08-2025 | 22 d late | 2025-00399561 |
| 31-12-2023 | 31-07-2024 | 28-10-2024 | 89 d late | 2024-00520672 |
| 31-12-2022 | 31-07-2023 | 10-12-2023 | 132 d late | 2023-00525098 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.9%
Low
0%0,5%1,5%4%10%≥25%
Young company
+Lower-failure-rate sector
−Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€760-89.1%
Working capital€35k+5.0%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 22-08-2025 with the NBB · fiscal year 2024 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~11%/year over 3 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2024 · NACE 82 · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 56.6% | 53.8% | |
| Net result | €760 | €18k | |
| Equity | €36k | €40k | |
| Gross operating margin | €2k | €36k | |
| Total assets | €64k | €93k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P53
Stable position over 2022-2024
· n=1763-3174
P23
Weakening position over 2022-2024
· n=1759-3173
P47
Stable position over 2022-2024
· n=1765-3176
P14
Weakening position over 2022-2024
· n=1757-3173
Describes the position versus peers, not a forecast.
€1k
-92.4%
22-24
€760
-89.1%
22-24
€1k
-81.4%
22-24
€64k
-24.8%
22-24
€36k
+2.2%
22-24
€35k
+5.0%
22-24
€3k
-52.0%
22-24
€28k
-44.1%
22-24
€27k
-44.9%
22-24
2.30
+36.7%
22-24
2.30
+36.7%
22-24
56.6%
+35.9%
22-24
0.77
-45.2%
22-24
2.1%
-89.4%
22-24
1.2%
-85.5%
22-24
6.15
+41.2%
22-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €1k |
| Net profit | €760 |
| Cash flow | €1k |
| Staff costs | - |
| Income taxes | €3k |
| Dividends | - |
| Total assets | €64k |
| Equity | €36k |
| Debt | €28k |
| of which ≤ 1y | €27k |
| of which > 1y | - |
| Working capital | €35k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 2.30 |
| Quick ratio | 2.30 |
| Working capital ratio | 55.6% |
| Solvency | 56.6% |
| Debt / equity | 0.77 |
| Long-term debt ratio | - |
| Interest coverage | 6.15 |
| Gross margin | - |
| Net margin | - |
| ROA | 1.2% |
| ROE | 2.1% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €64k |
| Fixed assets | 21/28 | €1k |
| Tangible fixed assets | 22/27 | €943 |
| Financial fixed assets | 28 | €60 |
| Current assets | 29/58 | €63k |
| Amounts receivable within one year | 40/41 | €18k |
| Cash & bank | 54/58 | €38k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €64k |
| Equity | 10/15 | €36k |
| Contributions / capital | 10/11 | €3k |
| Reserves | 13 | €33k |
| Amounts payable | 17/49 | €28k |
| Amounts payable within one year | 42/48 | €27k |
| Trade debts payable within one year | 44 | €11k |
| Income statement | ||
| Gross operating margin | 9900 | €2k |
| Operating result | 9901 | €646 |
| Financial income | 75 | €3k |
| Financial charges | 65 | €200 |
| Result before taxes | 9903 | €3k |
| Income taxes | 67/77 | €3k |
| Net result for the period | 9904 | €760 |
| Result to be appropriated | 9905 | €760 |
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed86
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Connections & network
2 connected companiesGroup structure
We sit on their board · 1 location
→
We sit on their board · 1 subsidiary · 1 location
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Ownership & control
2 partiesROICOBE 0778.428.958
controls
Where this company holds controlthis company sits on their board2
1 subsidiary · 1 location
1 location
Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.
Locations & real estate
Registered office
from the Crossroads BankCannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Terlindenweg 451730 AsseEstablishment units
1 locationROICO
since 20212.326.277.754
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,076 m²
Buildings1
Building footprint172 m²
Volume (LiDAR)741 m³
Tallest building6.8 m · ±1 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23002F0328/00D000 | Flanders | 1,076 m² | 1 · 172 m² | 6.8 m · 1 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
4 acts Address history · 1
01-09-2025
Registered-office move
All acts · 4
updated 3 months ago
2026
16-04-2026 Act object · Officer resignation · Officer appointment · Representation rule
- Filing: 2026-04-09 · Contimac
- Publication: 2026-04-16 · Contimac
- Act object: Ontslag en benoeming van (gedelegeerd) bestuurders · Contimac
- Officer resignation: date: 2026-03-30, role: bestuurder · CGI Holding BV.
- Officer resignation: date: 2026-03-30, role: bestuurder · De Pamei BV
- Officer resignation: date: 2026-03-30, role: bestuurder · D'Hoogpoort BV
- Officer appointment: date: 2026-03-30, role: bestuurder, duration: onbepaalde duur · Sebico Invest BV
- Officer appointment: date: 2026-03-30, role: bestuurder, duration: onbepaalde duur · Amico Invest BV
- Officer appointment: date: 2026-03-30, role: bestuurder, duration: onbepaalde duur · Roico BV
- Officer appointment: date: 2026-03-30, role: bestuurder, duration: onbepaalde duur · VLLR CommV
- Representation rule: iedere bestuurder afzonderlijk · Contimac
- Power of attorney: bijzondere volmacht · Delphine Penninck
- Power of attorney: bijzondere volmacht · Maxine Daems
- Power of attorney: bijzondere volmacht · Viktor D'hooge
- Power of attorney: bijzondere volmacht · Lydian, advocaten
- Officer resignation: date: 2026-03-30, role: persoon belast met het dagelijks bestuur · Roico BV
- Officer appointment: date: 2026-03-30, role: gedelegeerd bestuurder, duration: onbepaalde duur · Sebico Invest BV
- Officer appointment: date: 2026-03-30, role: gedelegeerd bestuurder, duration: onbepaalde duur · Amico Invest BV
- Officer appointment: date: 2026-03-30, role: gedelegeerd bestuurder, duration: onbepaalde duur · Roico BV
- Officer appointment: date: 2026-03-30, role: gedelegeerd bestuurder, duration: onbepaalde duur · VLLR CommV
- Representation rule: ieder gedelegeerd bestuurder individueel · Contimac
- Power of attorney: bijzondere volmacht · Delphine Penninck
- Power of attorney: bijzondere volmacht · Maxine Daems
- Power of attorney: bijzondere volmacht · Viktor D'hooge
- Power of attorney: bijzondere volmacht · Lydian, advocaten
Summary:
Act object · Officer resignation · Officer appointment · Representation rule
16-04-2026 Act object · General meeting · Officer resignation · Approval
- Publication: 2026-04-16 · Assico
- Filing: 2026-04-09 · Assico
- Act object: Benoeming en ontslag van bestuurders · Assico
- General meeting: 2026-03-30 · Assico
- Officer resignation: 2026-03-30 · De Pamei BV
- Officer resignation: 2026-03-30 · D'Hoogpoort BV
- Approval: 2026-03-30 · Assico
- Officer appointment: 2026-03-30 · Sebico Invest BV
- Officer appointment: 2026-03-30 · Amico Invest BV
- Officer appointment: 2026-03-30 · Roico BV
- Officer appointment: 2026-03-30 · VLLR CommV
- Mandate term: onbepaalde duur · Sebico Invest BV
- Mandate term: onbepaalde duur · Amico Invest BV
- Mandate term: onbepaalde duur · Roico BV
- Mandate term: onbepaalde duur · VLLR CommV
- Permanent representative · Kristien De Ridder
- Permanent representative · Stefaan De Ridder
- Permanent representative · Sébastien De Bock
- Permanent representative · Amaury De Bock
- Permanent representative · Ward Rooseleer
- Permanent representative · Viktor Rooseleer
- Representation rule: meerderheid van de bestuurders samen optredend of indien van toepassing door de enige bestuurder · Assico
- Power of attorney: alleen handelend en met de mogelijkheid tot indeplaatsstelling · Delphine Penninck
- Power of attorney: alleen handelend en met de mogelijkheid tot indeplaatsstelling · Maxine Daems
- Power of attorney: alleen handelend en met de mogelijkheid tot indeplaatsstelling · Viktor D'hooge
- Power of attorney: alleen handelend en met de mogelijkheid tot indeplaatsstelling · Lydian, advocaten
Summary:
Act object · General meeting · Officer resignation · Approval
07-04-2026 Act object · Notarial deed · General meeting · Statute amendment
- Act object: ONTSLAGEN, BENOEMINGEN, STATUTEN (VERTALING, COORDINATIE, OVERIGE WIJZIGINGEN) · CGI Holding
- Notarial deed: 2026-03-30 · CGI Holding
- Filing: 2026-04-02 · CGI Holding
- General meeting: 2026-03-30 · CGI Holding
- Statute amendment: 2026-03-30 · CGI Holding
- Representation rule: De vennootschap is geldig vertegenwoordigd tegenover derden: (a) door 2 bestuurders, samen handelend, waarvan minstens 1 De Bock Bestuurder en 1 Rooseleer Bestuurder; (b) met betrekking tot het dagelijks bestuur van de vennootschap: door een gedelegeerde bestuurder of een persoon gedelegeerd tot het dagelijks bestuur, alleen handelend, binnen de perken van het dagelijks bestuur; (c) voor handelingen binnen het kader van de hun verleende volmacht: door bijzondere gevolmachtigden die door de bestuurders, gedelegeerde bestuurders of personen gedelegeerd tot het dagelijks bestuur benoemd zijn als gevolmachtigden. · CGI Holding
- Governance rule: De vennootschap zal worden bestuurd door een raad van bestuur, dewelke zal zijn samengesteld uit minstens 4 (vier) bestuurders... 2 bestuurders uit een lijst van kandidaten voorgesteld door Manco De Bock... 2 bestuurders uit een lijst van kandidaten voorgesteld door Manco Rooseleer... Alle beslissingen van het bestuursorgaan worden genomen bij gewone meerderheid van uitgebrachte stemmen, met dien verstande dat alle beslissingen uitsluitend geldig worden genomen mits akkoord van minstens 1 De Bock Bestuurder en 1 Rooseleer Bestuurder. · CGI Holding
- Annual meeting schedule: 15 juni om veertien uur (14.00) · CGI Holding
- First fiscal year: 1 januari - 31 december · CGI Holding
- Officer resignation: 2026-03-30 · Manst Beheer
- Officer resignation: 2026-03-30 · DE PAMEI
- Officer resignation: 2026-03-30 · D’HOOGPOORT
- Officer discharge: 2026-03-30 · Manst Beheer
- Officer discharge: 2026-03-30 · DE PAMEI
- Officer discharge: 2026-03-30 · D’HOOGPOORT
- Officer appointment: 2026-03-30 · SEBICO INVEST
- Officer appointment: 2026-03-30 · AMICO INVEST
- Officer appointment: 2026-03-30 · ROICO
- Officer appointment: 2026-03-30 · VLLR
- Mandate term: onbepaalde duur · SEBICO INVEST
- Mandate term: onbepaalde duur · AMICO INVEST
- Mandate term: onbepaalde duur · ROICO
- Mandate term: onbepaalde duur · VLLR
- Mandate compensation: onbezoldigd · SEBICO INVEST
- Mandate compensation: onbezoldigd · AMICO INVEST
- Mandate compensation: onbezoldigd · ROICO
- Mandate compensation: onbezoldigd · VLLR
- Power of attorney: bijzondere volmacht ... teneinde de vervulling van de formaliteiten bij een ondernemingsloket met het oog op de inschrijving/aanpassing van de gegevens in de Kruispuntbank van Ondernemingen, en, desgevallend, bij de Administratie van de Belasting over de Toegevoegde Waarde, te verzekeren. · Lydian BV
- Publication: 2026-04-07
Summary:
Act object · Notarial deed · General meeting · Statute amendmentNotary:
Yorik DESMYTTERE
2025
01-09-2025 Registered office moved within Asse
- Terlindenweg 34, 1730 Asse → Terlindenweg 45, 1730 Asse
Analysis
Snowflake analysis
financial profile on 5 axes68
/ 100
Strong profile, led by solvency.
All 5 axes are computed from data Checked has read.
Health
86
Profitability
11
Solvency
97
Growth
52
Stability
94
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Company registry
Company registry (CBE)
Crossroads BankActivities
Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
| Legal nameNL | ROICO |
Registered office
Terlindenweg 45
1730 Asse, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.