Roof Concept
ActiveThe computed 12-month bankruptcy probability of Roof Concept is 2.3% (moderate). The 2025 annual accounts show equity of €142k and a net result of €17k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 39% of 7719 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+6
Solvency60▲+7
Growth52▲+20
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.49 against 1.26 in 2024; short-term debt: 24.9% and cash: 4.8% of total assets), and 65% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
35%
Return on assets
4.3%
Age of the figures
9 mo
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
22232425
2022 to 2025 · latest year €142k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-07-2026, 28 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
28 d early
2024
2 d early
2023
6 d late
2022
34 d early
← 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
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€17k
2024 · €-1k
2022: €123k
2023: €148
2024: €-1k
2022 → 2025
Working capital
€49k▲ 96.5%
2024 · €25k
2022: €48k
2023: €66k
2024: €25k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€126k-€126k▲ 0.1%€124k▼ 1.1%€142k▲ 14.0%
Operating result€159k-€7k▼ 95.8%€13k▲ 92.3%€39k▲ 200%
Net result€123k-€148▼ 99.9%€-1k€17k
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 200% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €406k
Fixed assets
€256k▼ 21.8%
Current assets
€150k▲ 25.6%
Equity and liabilities €406k
Equity
€142k▲ 14.0%
Debt
€264k▼ 18.0%
The debt ratio falls from 72.1% to 65.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€138k▲
2024 · €94k
Cash flow
€117k▲
2024 · €80k
Solvency
35.0%▲
2024 · 27.9%
Current ratio
1.49▲
2024 · 1.26
Quick ratio
1.24▲
2024 · 1.02
Debt / equity
1.86▼
2024 · 2.59
ROE
12.3%▲
2024 · -1.1%
ROA
4.3%▲
2024 · -0.3%
Interest coverage
12.58▲
2024 · 7.29
Debt
€264k▼
2024 · €322k
Debt ≤ 1 year
€101k▲
2024 · €95k
Debt > 1 year
€163k▼
2024 · €227k
Income taxes
€10k▲
2024 · €1k
Staff costs
€79k▼
2024 · €161k
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€446k€406k▼
Fixed assets21/28€327k€256k▼
Tangible fixed assets22/27€324k€252k▼
Plant, machinery and equipment23€6k€3k▼
Furniture and vehicles24€29k€30k▲
Leasing and similar rights25€288k€219k▼
Financial fixed assets28€3k€3k=
Current assets29/58€120k€150k▲
Stocks and contracts in progress3€24k€25k▲
Stocks30/36€24k€25k▲
Amounts receivable within one year40/41€69k€98k▲
Trade receivables40€34k€76k▲
Other amounts receivable41€34k€22k▼
Cash at bank and in hand54/58€26k€20k▼
Deferred charges and accrued income490/1€1k€7k▲
Equity and liabilities
Total equity and liabilities10/49€446k€406k▼
Equity10/15€124k€142k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€121k€139k▲
Amounts payable17/49€322k€264k▼
Amounts payable after more than one year17€227k€163k▼
Financial debts170/4€227k€163k▼
Amounts payable within one year42/48€95k€101k▲
Current portion of amounts payable after more than one year42€62k€65k▲
Trade debts44€30k€21k▼
Suppliers440/4€30k€21k▼
Taxes, remuneration and social security45€3k€16k▲
Taxes450/3€1k€4k▲
Remuneration and social security454/9€2k€12k▲
Other amounts payable47/48€67-
Income statement
Code20242025
Remuneration, social security and pensions62€161k€79k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€81k€99k▲
Other operating charges640/8€26k€10k▼
Gross operating margin9900€280k€227k▼
Operating profit (loss)9901€13k€39k▲
Financial charges65/66B€13k€11k▼
Recurring financial charges65€13k€11k▼
Profit (loss) for the period before taxes9903€17€28k▲
Income taxes67/77€1k€10k▲
Profit (loss) for the period9904€-1k€17k▲
Profit (loss) for the period to be appropriated9905€-1k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€121k€139k▲
Profit (loss) brought forward from the previous period14P€123k€121k▼
Social balance
Average headcount (FTE)90873.01.0▼
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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €-1k ▼993%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 6 days late
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
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, Namur · 1 establishment unit since 2022
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.
Rue de Gembloux(SS) 1105002 NamurGround area
162 m²
Building footprint
90 m²
Volume, LiDAR
940 m³
Parcel 92108B0253/00L020, Wallonia · tallest building 12.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Roof Concept
since 20222.327.125.416
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92108B0253/00L020 | Wallonia | 162 m² | 1 · 90 m² | 12.1 m · 4 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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MARANO V.G.S.
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PEREMANS MICHEL
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PAL TOITURES
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JILOU TOITURE
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Of 8,564 companies in sector 43410 we hold annual accounts for 4,354. 3,764 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-01-2022
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
43990Other specialised construction activities
43995Specialised construction activities
43230Insulation installation
43291Specialised construction activities
43341Painting of buildings
43342Specialised construction activities
43421Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.
Contact details
5 entriesWebsite:www.roofconcept.be
E-mail:info@roofconcept.be
Website:roofconcept.be
E-mail:marchristol.mc@gmail.com
Phone:0471097534