ROKI
ActiveSummary
ROKI has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8,493 and a net result of €3,884. Equity is shrinking by ~21.5% per year across the filed fiscal years. Its solvency ranks better than 35% of 28254 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability88▼-1
Solvency59▼-26
Growth32=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.36 against 2.36 in 2024; short-term debt: 66.2% and cash: 0% of total assets), and 66.2% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more 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 · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €8,493
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-01-2026, 26 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
26 d early
2024
16 d early
2023
43 d early
2022
19 d early
2021
49 d early
2020
5 d early
2019
50 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 30 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 5 January (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€8,493▲ 19.5%
2024 · €7,109
Total assets
€25,110▲ 112%
2024 · €11,847
Net result
€3,884▲ 88.4%
2024 · €2,062
Working capital
€5,973▼ 7.5%
2024 · €6,455
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€2,359€4,428▲ 87.7%-€2,025€2,981€5,147▲ 72.7%
Net result€1,951within the sector's middle half€3,801within the sector's middle half▲ 94.9%-€2,390below the sector's middle half€2,062within the sector's middle half€3,884within the sector's middle half▲ 88.4%
Equity€14,705below the sector's middle half▲ 15.3%€7,437below the sector's middle half▼ 49.4%€5,047below the sector's middle half▼ 32.1%€7,109below the sector's middle half▲ 40.9%€8,493below the sector's middle half▲ 19.5%
Total assets€17,659below the sector's middle half▼ 10.6%€16,190below the sector's middle half▼ 8.3%€13,255below the sector's middle half▼ 18.1%€11,847below the sector's middle half▼ 10.6%€25,110below the sector's middle half▲ 112%
Debt€2,954▼ 57.8%€8,753▲ 196%€8,208▼ 6.2%€4,738▼ 42.3%€16,617▲ 251%
Working capital€13,227within the sector's middle half▲ 11.4%€5,871within the sector's middle half▼ 55.6%€3,698below the sector's middle half▼ 37.0%€6,455within the sector's middle half▲ 74.6%€5,973within the sector's middle half▼ 7.5%
Solvency83.3%above the sector's middle half▲ 18.7pp45.9%within the sector's middle half▼ 37.3pp38.1%within the sector's middle half▼ 7.9pp60.0%within the sector's middle half▲ 21.9pp33.8%within the sector's middle half▼ 26.2pp
Current ratio5.48above the sector's middle half▲ 2.781.67within the sector's middle half▼ 3.811.45within the sector's middle half▼ 0.222.36within the sector's middle half▲ 0.911.36within the sector's middle half▼ 1.00
Return on assets (ROA)11.0%within the sector's middle half▲ 68.6pp23.5%above the sector's middle half▲ 12.4pp-18.0%below the sector's middle half▼ 41.5pp17.4%within the sector's middle half▲ 35.4pp15.5%within the sector's middle half▼ 1.9pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 73% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €25,110
Fixed assets
€2,520 ▲ 285%
Current assets
€22,590 ▲ 102%
Equity and liabilities €25,110
Equity
€8,493 ▲ 19.5%
Debt
€16,617 ▲ 251%
Debt's share of the balance-sheet total rises from 40.0% to 66.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€5,925▲
2024 · €3,677
Cash flow
€4,662▲
2024 · €2,757
Quick ratio
1.29▼
2024 · 1.61
Debt to equity
1.96▲
2024 · 0.67
ROE
45.7%▲
2024 · 29.0%
Interest coverage
13.84▲
2024 · 5.86
Debt ≤ 1 year
€16,617▲
2024 · €4,738
Income taxes
€836▲
2024 · €576
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,349 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 0.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,349 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €453 | €695 | €862 | €696 | €778 | ▲ 11.9% |
| Other operating charges640/8 | - | €804 | €816 | €771 | €845 | ▲ 9.7% |
| Gross operating margin9900 | €3,701 | €5,927 | -€348 | €4,447 | €6,771 | ▲ 52.2% |
| Operating profit (loss)9901 | €2,359 | €4,428 | -€2,025 | €2,981 | €5,147 | ▲ 72.7% |
| Financial income75/76B | - | - | €1 | €284 | €1 | ▼ 99.6% |
| Recurring financial income75 | €7 | - | €1 | €284 | €1 | ▼ 99.6% |
| Financial charges65/66B | - | €149 | €240 | €627 | €428 | ▼ 31.8% |
| Recurring financial charges65 | €248 | €149 | €240 | €627 | €428 | ▼ 31.8% |
| Profit (loss) for the period before taxes9903 | €2,117 | €4,279 | -€2,265 | €2,638 | €4,720 | ▲ 78.9% |
| Income taxes67/77 | €167 | €478 | €125 | €576 | €836 | ▲ 45.2% |
| Profit (loss) for the period9904 | €1,951 | €3,801 | -€2,390 | €2,062 | €3,884 | ▲ 88.4% |
| Profit (loss) for the period to be appropriated9905 | €2,421 | €3,801 | -€2,390 | €2,062 | €3,884 | ▲ 88.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €17,659 | €16,190 | €13,255 | €11,847 | €25,110 | ▲ 112% |
| Fixed assets21/28 | €1,478 | €1,566 | €1,350 | €654 | €2,520 | ▲ 285% |
| Tangible fixed assets22/27 | €1,478 | €1,566 | €1,350 | €654 | €2,520 | ▲ 285% |
| Land and buildings22 | - | €0 | €0 | €0 | €0 | - |
| Plant, machinery and equipment23 | - | €1,566 | €1,350 | €654 | €200 | ▼ 69.4% |
| Furniture and vehicles24 | - | €0 | €0 | €0 | €2,319 | - |
| Current assets29/58 | €16,181 | €14,624 | €11,905 | €11,193 | €22,590 | ▲ 102% |
| Stocks and contracts in progress3 | €5,007 | €2,443 | €4,254 | €3,563 | €1,230 | ▼ 65.5% |
| Stocks30/36 | - | €2,443 | €4,254 | €3,563 | €1,230 | ▼ 65.5% |
| Amounts receivable within one year40/41 | €1,313 | €5,419 | €7,651 | €7,563 | €21,360 | ▲ 182% |
| Trade receivables40 | - | €3,873 | €3,224 | €0 | €13,771 | - |
| Other amounts receivable41 | - | €1,546 | €4,427 | €7,563 | €7,589 | ▲ 0.3% |
| Cash at bank and in hand54/58 | €9,861 | €5,914 | €0 | €0 | €0 | - |
| Deferred charges and accrued income490/1 | - | €848 | €0 | €67 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €17,659 | €16,190 | €13,255 | €11,847 | €25,110 | ▲ 112% |
| Equity10/15 | €14,705 | €7,437 | €5,047 | €7,109 | €8,493 | ▲ 19.5% |
| Contributions10/11 | €12,400 | €2,775 | €2,775 | €2,775 | €2,775 | = |
| Reserves13 | €2,509 | €4,662 | €4,246 | €4,334 | €5,718 | ▲ 31.9% |
| Non-distributable reserves130/1 | - | €0 | - | - | - | - |
| Reserves not available under the articles1311 | - | €0 | - | - | - | - |
| Tax-exempt reserves132 | - | €649 | €649 | €649 | €649 | = |
| Distributable reserves133 | - | €4,013 | €3,597 | €3,685 | €5,069 | ▲ 37.6% |
| Profit (loss) carried forward14 | -€204 | €0 | -€1,974 | €0 | - | - |
| Amounts payable17/49 | €2,954 | €8,753 | €8,208 | €4,738 | €16,617 | ▲ 251% |
| Amounts payable within one year42/48 | €2,954 | €8,753 | €8,208 | €4,738 | €16,617 | ▲ 251% |
| Financial debts43 | - | - | €4,978 | €4,162 | €960 | ▼ 76.9% |
| Credit institutions430/8 | - | - | €4,978 | €4,162 | €960 | ▼ 76.9% |
| Trade debts44 | €2,190 | €3,886 | €2,627 | €0 | €12,321 | - |
| Suppliers440/4 | - | €3,886 | €2,627 | €0 | €12,321 | - |
| Taxes, remuneration and social security45 | - | €488 | €603 | €576 | €836 | ▲ 45.2% |
| Taxes450/3 | - | €488 | €603 | €576 | €836 | ▲ 45.2% |
| Remuneration and social security454/9 | - | €0 | €0 | €0 | €0 | - |
| Other amounts payable47/48 | - | €4,379 | - | - | €2,500 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,951 | €3,801 | -€2,390 | €2,062 | €3,884 | ▲ 88.4% |
| + Depreciation and write-downs630 | €453 | €695 | €862 | €696 | €778 | ▲ 11.9% |
| Operating cash flow (approximation) | €2,404 | €4,496 | -€1,529 | €2,757 | €4,662 | ▲ 69.1% |
| Investment in fixed assets (approximation) | - | -€783 | -€645 | €0 | -€2,644 | - |
| Change in cash | - | -€3,946 | -€5,914 | €0 | €0 | - |
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
05-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Back to profitnet €2,062
Net result €2,062 after one loss-making year.
2023
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
12-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
13-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Back to profitnet €1,951
Net result €1,951 after one loss-making year.
30-06
Financial
Liquidity doublescurrent ratio 5.48
Current ratio from 2.69 to 5.48; short-term debt falls from €7,008 to €2,954.
26-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet -€11,384
Net result drops to -€11,384, the lowest in the series; recovery starts the following year.
2019
12-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
13-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
18-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
16-12
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 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Antwerpen · 1 establishment unit since 2005
Ground area
174 m²
Building footprint
86 m²
Volume, LiDAR
721 m³
Parcel 11313B0906/00A002, Flanders · tallest building 12.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
-
since 20052.148.937.505
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11313B0906/00A002 | Flanders | 174 m² | 1 · 86 m² | 12.8 m · 3 fl. |
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.
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Of 913 companies in sector 43333 we hold annual accounts for 401. 184 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded13-04-2005
Fiscal year end30-06
Activities, NACEBEL 2025
43333Wallpapering and laying of floor and wall coverings in other materials
43341Painting of buildings
47521Retail sale of hardware, building materials, paint and glass (general range)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0873144312
Also
9925:BE0873144312
Registered
12-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.