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ROOF +

Active
Private limited company·Dakwerkzaamheden· 4 yrs active
KBO/BCE: BE 0782.352.213
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Age4 yrs
Real estate1 parcel · 1.1 ha

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of ROOF + is 12.3% (high). The 2022 annual accounts show equity of €14k and a net result of €9k. Its solvency ranks better than 75% of 6533 sector peers (fiscal year 2022). The company has been active since 2022 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).

Based on the State Gazette, CBE and 1 annual account.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
12.3% High
0%0,5%1,5%4%10%≥25%
Recent warning signals +Young company +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Insolvency timeline

1 events
22-08-2025
KBO administration Address struck
 · Publications in State Gazette ↗

Signals

Insufficient current data: the most recent filed accounts (financial year 2022) are too old to derive current signals.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 13-07-2023, 18 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. 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 31-12-2022, that is 31-07-2023.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2022 31-07-2023 13-07-2023 18 d early 2023-00233229

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

1 signal
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

1 event
Address struck

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€9k
Working capital€9k

Annual accounts & ratios

Source: NBB · 2022
Annual accounts filed on 13-07-2023 with the NBB · fiscal year 2022 · micro
Sector comparison
Fiscal year 2022 · NACE 43, Specialised construction · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 57.9% 36.4%
better than 75% of 6533 sector peers
Net result €9k €12k
better than 43% of 6518 sector peers
Equity €14k €26k
better than 31% of 6539 sector peers
Gross operating margin €14k €32k
better than 28% of 6512 sector peers
Total assets €25k €86k
better than 13% of 6534 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2022
Depositmicro
Revenue-
EBITDA€14k
Net profit€9k
Cash flow€11k
Staff costs-
Income taxes€3k
Dividends-
Total assets€25k
Equity€14k
Debt€10k
of which ≤ 1y€10k
of which > 1y-
Working capital€9k
Employees (FTE)-
Ratios (computed)
2022
Current ratio1.91
Quick ratio1.91
Working capital ratio38.2%
Solvency57.9%
Debt / equity0.73
Long-term debt ratio-
Interest coverage149.09
Gross margin-
Net margin-
ROA37.6%
ROE64.9%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2022
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2022
Balance sheet, Assets
TOTAL ASSETS 20/58€25k
Fixed assets 21/28€5k
Tangible fixed assets 22/27€5k
Current assets 29/58€20k
Amounts receivable within one year 40/41€16k
Cash & bank 54/58€4k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€25k
Equity 10/15€14k
Contributions / capital 10/11€5k
Accumulated profits (losses) 14€9k
Amounts payable 17/49€10k
Amounts payable within one year 42/48€10k
Trade debts payable within one year 44€5k
Income statement
Gross operating margin 9900€14k
Operating result 9901€13k
Financial income 75€2
Financial charges 65€97
Result before taxes 9903€13k
Income taxes 67/77€3k
Net result for the period 9904€9k
Result to be appropriated 9905€9k
Ratios computed by Checked.

Health barometer

FY 2022 · computed
93 / 100 Excellent
050100
Computed from 4 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.

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Computed by Checked from the NBB filing for FY 2022. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Establishment units

1 location
ROOF +
Algemene bouw van residentiële gebouwen
since 20222.335.623.309
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1.1 ha
Buildings1
Building footprint865 m²
Volume (LiDAR)33,994 m³
Tallest building42.8 m · ±14 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels 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.
22002C0073/00N009 Flanders 1.1 ha 1 · 865 m² 42.8 m · 14 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

1 event from the State Gazette
22-08-2025
KBO administration Address struck
 · Publications in State Gazette ↗

Time machine: BS events + macro context

2021-2026
COVID lockdownEnergiecrisisECB hikes2021202220232024202520262025-08-22 · KBO administration · Address struck
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health93Profitability100Solvency96Growth-Stability71
90 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 93
Profitability 100
Solvency 96
Growth -
Stability 71

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 1,262 of the 8,507 companies in this sector. 1,002 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Dakwerkzaamheden43410Dakwerkzaamheden43910
Primary activity highlighted.
Names & trade names
Legal nameNL ROOF +
Registration history
  1. 22-08-2025 Address struck
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.