ROJACO
ActiveThe annual accounts of ROJACO for fiscal year 2025 show a net loss of 76% of the equity at the start of that year. The 2025 annual accounts show equity of €13k and a net result of €-40k. Equity is shrinking by ~6.6% per year across the filed fiscal years. Its solvency ranks better than 17% of 3269 sector peers (fiscal year 2025). The company has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-46
Solvency34▼-16
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.25 against 0.23 in 2024; short-term debt: 91.3% and cash: 22.6% of total assets), and 91.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
8.7%
Return on assets
-28.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 3269 sector peers (2025).
NBB · sector comparisonPosition among 3269 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 10 filingsDeviation from the deadline
2025
27 d late
2024
21 d early
2023
15 d early
2022
22 d late
2021
18 d late
2020
6 d late
2019
90 d late
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€13k▼ 76.3%
2024 · €53k
2018: €92k
2019: €45k
2020: €50k
2021: €50k
2022: €51k
2023: €46k
2024: €53k
2018 → 2025
Total assets
€144k▼ 31.4%
2024 · €209k
2018: €236k
2019: €183k
2020: €191k
2021: €194k
2022: €198k
2023: €200k
2024: €209k
2018 → 2025
Net result
€-40k
2024 · €7k
2018: €2k
2019: €-46k
2020: €5k
2021: €192
2022: €389
2023: €-5k
2024: €7k
2018 → 2025
Working capital
€-99k▲ 17.9%
2024 · €-120k
2018: €-81k
2019: €-128k
2020: €-123k
2021: €-123k
2022: €-123k
2023: €-127k
2024: €-120k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€50k-€51k▲ 0.8%€46k▼ 9.5%€53k▲ 15.6%€13k▼ 76.3%
Operating result€681-€962▲ 41.2%€-4k€8k€-40k
Net result€192-€389▲ 102%€-5k€7k€-40k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €40k after €8k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €144k
Fixed assets
€111k▼ 35.8%
Current assets
€33k▼ 10.2%
Equity and liabilities €144k
Equity
€13k▼ 76.3%
Debt
€131k▼ 16.2%
The debt ratio rises from 74.7% to 91.3%. Equity and debt are lower.
Key figures and ratios
Solvency
8.7%▼
2024 · 25.3%
Current ratio
0.25▲
2024 · 0.23
Quick ratio
0.25▲
2024 · 0.23
Debt / equity
10.44▲
2024 · 2.96
ROE
-321.2%▼
2024 · 13.5%
ROA
-28.1%▼
2024 · 3.4%
Debt
€131k▼
2024 · €156k
Debt ≤ 1 year
€131k▼
2024 · €156k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€209k€144k▼
Fixed assets21/28€173k€111k▼
Tangible fixed assets22/27€111k€111k=
Other tangible fixed assets26€111k€111k=
Financial fixed assets28€62k-
Current assets29/58€36k€33k▼
Amounts receivable within one year40/41€12k-
Trade receivables40€12k-
Cash at bank and in hand54/58€24k€33k▲
Equity and liabilities
Total equity and liabilities10/49€209k€144k▼
Equity10/15€53k€13k▼
Contributions10/11€19k€19k=
Revaluation surpluses12€51k€51k=
Reserves13€66k€66k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€64k€64k=
Profit (loss) carried forward14€-83k€-123k▼
Amounts payable17/49€156k€131k▼
Amounts payable within one year42/48€156k€131k▼
Trade debts44-€334
Suppliers440/4-€334
Other amounts payable47/48€156k€131k▼
Accrued charges and deferred income492/3€77-
Income statement
Code20242025
Non-recurring operating income76A-€28k
Other operating charges640/8€449€462▲
Non-recurring operating charges66A-€62k
Gross operating margin9900€8k€23k▲
Operating profit (loss)9901€8k€-40k▼
Financial charges65/66B€506€433▼
Recurring financial charges65€506€433▼
Profit (loss) for the period before taxes9903€7k€-40k▼
Profit (loss) for the period9904€7k€-40k▼
Profit (loss) for the period to be appropriated9905€7k€-40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-83k€-123k▼
Profit (loss) brought forward from the previous period14P€-90k€-83k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 22 days late
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 18 days late
2021
06-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 6 days late
2020
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 90 days late
2019
31-12
Financial
Weakest financial yearnet €-46k ▼2312%
Net result drops to €-46k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Hasselt · 1 establishment unit since 1990
Cannot 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.
Kuilbergstraat 253511 HasseltGround area
848 m²
Building footprint
161 m²
Volume, LiDAR
807 m³
Parcel 71056A0289/00L002, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kuilbergstraat 25, 3511 Hasselt
since 19902.048.849.143
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71056A0289/00L002 | Flanders | 848 m² | 1 · 161 m² | 7.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 2,266 companies in sector 69209 we hold annual accounts for 1,097. 504 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded06-06-1990
Fiscal year end31-12
Activities, NACEBEL
69202Legal and accounting activities
69209Other tax advisory services
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.