ROOF CONCEPT LECOMTE
ActiveThe computed 12-month bankruptcy probability of ROOF CONCEPT LECOMTE is 2.1% (moderate). The 2025 annual accounts show equity of €15k and a net result of €11k. Equity is shrinking by ~11% per year across the filed fiscal years. Its solvency ranks better than 21% of 27619 sector peers (fiscal year 2025). The company has been active since 2020 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
Profitability85▲+6
Solvency44=
Growth32=
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.09 against 1.1 in 2024; short-term debt: 50.8% of total assets), and 80.9% 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
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
19.1%
Return on assets
13.1%
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 21% of 27619 sector peers (2025).
NBB · sector comparisonPosition among 27619 sector peers
Solvency
better than 21%
← weakest
strongest →
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 05-06-2026, 56 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
56 d early
2024
13 d early
2023
12 d early
2022
3 d early
2021
3 d early
2020
18 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€15k▼ 19.0%
2024 · €19k
2020: €21k
2021: €39k
2022: €44k
2023: €14k
2024: €19k
2020 → 2025
Total assets
€80k▼ 17.8%
2024 · €98k
2020: €44k
2021: €124k
2022: €96k
2023: €76k
2024: €98k
2020 → 2025
Net result
€11k▲ 32.9%
2024 · €8k
2020: €20k
2021: €20k
2022: €20k
2023: €-24k
2024: €8k
2020 → 2025
Working capital
€4k▼ 18.4%
2024 · €4k
2020: €22k
2021: €-1k
2022: €14k
2023: €15k
2024: €4k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€39k-€44k▲ 12.2%€14k▼ 67.5%€19k▲ 31.5%€15k▼ 19.0%
Operating result€30k-€29k▼ 2.1%€-22k€21k€15k▼ 27.0%
Net result€20k-€20k▼ 1.8%€-24k€8k€11k▲ 32.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 27% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €80k
Fixed assets
€36k▼ 29.3%
Current assets
€44k▼ 5.3%
Equity and liabilities €80k
Equity
€15k▼ 19.0%
Debt
€65k▼ 17.5%
The debt ratio rises from 80.6% to 80.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€30k▼
2024 · €33k
Cash flow
€25k▲
2024 · €20k
Solvency
19.1%▼
2024 · 19.4%
Current ratio
1.09▼
2024 · 1.10
Quick ratio
1.09▼
2024 · 1.10
Debt / equity
4.24▲
2024 · 4.16
ROE
68.7%▲
2024 · 41.9%
ROA
13.1%▲
2024 · 8.1%
Interest coverage
13.92▼
2024 · 15.09
Debt
€65k▼
2024 · €79k
Debt ≤ 1 year
€41k▼
2024 · €42k
Debt > 1 year
€23k▼
2024 · €35k
Income taxes
€3k▲
2024 · €220
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€98k€80k▼
Fixed assets21/28€51k€36k▼
Tangible fixed assets22/27€50k€35k▼
Plant, machinery and equipment23€307€85▼
Furniture and vehicles24€50k€35k▼
Financial fixed assets28€894€600▼
Current assets29/58€47k€44k▼
Amounts receivable after more than one year29€27k€38k▲
Other amounts receivable291€27k€38k▲
Amounts receivable within one year40/41€16k€4k▼
Trade receivables40€9k€2k▼
Other amounts receivable41€7k€2k▼
Cash at bank and in hand54/58€2k-
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€98k€80k▼
Equity10/15€19k€15k▼
Contributions10/11€2k€2k=
Reserves13€17k€14k▼
Distributable reserves133€17k€14k▼
Amounts payable17/49€79k€65k▼
Amounts payable after more than one year17€35k€23k▼
Financial debts170/4€35k€23k▼
Amounts payable within one year42/48€42k€41k▼
Current portion of amounts payable after more than one year42€17k€12k▼
Financial debts43-€4k
Credit institutions430/8-€4k
Trade debts44€24k€17k▼
Suppliers440/4€24k€17k▼
Taxes, remuneration and social security45€431€2k▲
Taxes450/3€431€2k▲
Other amounts payable47/48€1k€6k▲
Accrued charges and deferred income492/3€1k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€15k▲
Other operating charges640/8€1k€602▼
Gross operating margin9900€34k€30k▼
Operating profit (loss)9901€21k€15k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€14k€4k▼
Recurring financial charges65€2k€2k▼
Non-recurring financial charges66B€12k€2k▼
Profit (loss) for the period before taxes9903€8k€13k▲
Income taxes67/77€220€3k▲
Profit (loss) for the period9904€8k€11k▲
Profit (loss) for the period to be appropriated9905€8k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-16k€11k▲
Profit (loss) brought forward from the previous period14P€-24k-
Transfer from equity791/2€19k€14k▼
Transfer to equity691/2-€11k
To other reserves6921-€11k
Profit to be distributed694/7€3k€14k▲
Return on contributions (dividend)694€3k€14k▲
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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-24k ▼221%
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Wevelgem · 1 establishment unit since 2020
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.
Papestraat 118560 WevelgemGround area
352 m²
Building footprint
156 m²
Volume, LiDAR
1,162 m³
Parcel 34302B0483/00D002, Flanders · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Roof Concept Lecomte
since 20202.309.565.347
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34302B0483/00D002 | Flanders | 352 m² | 1 · 156 m² | 11.4 m · 3 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.
Recognitions · licences · registrations
Recognised contractor
3 categoriesROOF CONCEPT LECOMTE BV41901
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Of 8,564 companies in sector 43410 we hold annual accounts for 4,354. 2,739 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-10-2020
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
43421Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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
1 entryE-mail:lecomtekevin@outlook.com