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ROOF ISOLATION

Active
Private limited companyfounded 2011active for 14 yearsRue des Praules, Sauv. 5, 5030 Gembloux, BelgiumKBO/BCE: BE 0842.283.761
Summary

ROOF ISOLATION has been active since 2011 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.9m and a net result of €39,880. Equity is growing by about 12% per year across the filed financial years. Its solvency ranks better than 42% of 5,034 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

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ROOF ISOLATIONActiveChecked score 83/100
Risk analysis ReportCompare

Overview

Activity
Retail trade
NACE 47522Wholesale of timber NACE 46832
9th largest employer in Gembloux, Wholesale and retail trade sector1 site
Size
€16.2mturnover 2025
Staff
17.5 FTE
Equity
€1.9m
Profit
€39,880
Financial health
83 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.4%
Structure
Holdings
1
Auditor: SINIO2025 accounts filed 5 days late2 of 4 deeds summarised
Why 83raises riskLiquidity: current ratio 1.25, cash €314,516Size: turnover €16.2m, 17.5 FTE, total assets €6.4mlowers riskFounded in 2011Figures for financial year 2025 (filed 08-08-2026)Show the evidence

Checked score

Score 2025
83 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 44% of its sector peers (NACE 47, small)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Weak
Solvency 54=
equity 28.9% of total assets
Liquidity 33-1
short-term debt 47.1% · cash 4.9%
Profitability 41-3
return on assets 0.6%
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (3,694 companies, NACE 47, small)
Last 24 months 11-2024: 0.5% 12-2024: 0.5%● unchanged vs 11-2024 01-2025: 0.5%● unchanged vs 12-2024 02-2025: 0.5%● unchanged vs 01-2025 03-2025: 0.5%● unchanged vs 02-2025 04-2025: 0.5%● unchanged vs 03-2025 05-2025: 0.6%▲ +0.1 percentage points vs 04-2025 06-2025: 0.6%● unchanged vs 05-2025 07-2025: 0.8%▲ +0.2 percentage points vs 06-2025 08-2025: 0.4%▼ -0.4 percentage points vs 07-2025 09-2025: 0.4%● unchanged vs 08-2025 10-2025: 0.4%● unchanged vs 09-2025 11-2025: 0.4%● unchanged vs 10-2025 12-2025: 0.4%● unchanged vs 11-2025 01-2026: 0.4%● unchanged vs 12-2025 02-2026: 0.4%● unchanged vs 01-2026lowest value 03-2026: 0.4%● unchanged vs 02-2026lowest value 04-2026: 0.4%● unchanged vs 03-2026 05-2026: 0.4%● unchanged vs 04-2026 06-2026: 0.4%● unchanged vs 05-2026 07-2026: 0.5%▲ +0.1 percentage points vs 06-2026 08-2026: 1.1%▲ +0.6 percentage points vs 07-2026highest value 09-2026: 0.4%▼ -0.7 percentage points vs 08-2026 10-2026: 0.4%● unchanged vs 09-2026
Credit of up to €150,000 on 30-day terms is acceptable
Liquidity tight (current ratio 1.25, compared with 1.39 in 2024, below the usual 1.5; short-term debt: 47.1% and cash: 4.9% of total assets), and 71.1% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, small): better than 48% on solvency, 34% on liquidity, 24% on profitability and 69% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskraises riskneutral
raises risk · Liquidity: current ratio 1.25, cash €314,516
NBB · annual accounts
lowers risk · Founded in 2011
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · Size: turnover €16.2m, 17.5 FTE, total assets €6.4m
Companies of this size fail more often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed 08-08-2026)
NBB · annual accounts
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filings
Deviation from the deadline
2025
5 days late
2024
13 days early
2023
14 days early
2022
on the day
2021
9 days early
2020
31 days late
2019
19 days late
← 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 3 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 22 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
31-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · full…
  2. Weakest financial yearnet €39,880 ▼67.5%
  3. Annual accounts filedfinancial year 2024 · unclassified…

Key points

  • Caution: Result fell in 2025from €122,534 to €39,880 ▼ 67.5% View
  • Positive: 9th largest employer in Gembloux, Wholesale and retail trade sectorin the Checked rankings No. 9 View
  • Positive: 8 profitable years in a rowprofit 2025: €39,880 8 years View

By topic

Financials

Financial year
2025
Turnover
€16.2m
Profit
€39,880
Solvency
28.9%
Turnover▲ 24.5%
Net result
20212025
Go to Financials

Timeline

Events
19
Since
2013
Next accounts
by 31-07-2027
  1. 18-12-2024Reappointment: F.C.G. Reviseurs d'Entreprises (statutory auditor)
  2. 17-07-2024Annual accounts filed
  3. 31-07-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Retail tradeNACE 47522
Founded
30-12-2011
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
34
Annual meeting
Fourth Saturday of May at 10:30
Purpose
“Tous négoces de matériaux, matériels, produits accessoires, bois et isolants de toute…” (deed in French)
Go to Articles of association

Key facts about ROOF ISOLATION

What is the company number of ROOF ISOLATION?
0842.283.761. In Belgium the VAT number is the company number with BE in front: BE 0842.283.761.
Where is ROOF ISOLATION based?
The registered office is at Rue des Praules, Sauv. 5, 5030 Gembloux.Company details
What does ROOF ISOLATION do?
According to the KBO register, the main activity is retail trade (NACE 47522).
What is the legal form of ROOF ISOLATION?
Private limited company (BV).
When was ROOF ISOLATION founded?
On 30-12-2011.
Is ROOF ISOLATION still active?
Yes, ROOF ISOLATION is an active enterprise in the KBO register.
How many employees does ROOF ISOLATION have?
On average 17.5 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of ROOF ISOLATION?
€16.2m in financial year 2025, according to the filed annual accounts.
Is ROOF ISOLATION profitable?
In financial year 2025, ROOF ISOLATION made a profit of €39,880.
Where can I find the annual accounts of ROOF ISOLATION?
ROOF ISOLATION filed 14 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of ROOF ISOLATION due?
By 31-07-2027, for financial year 2026.Timeline

Companies related to ROOF ISOLATION

Subsidiaries and holdings

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How much credit can you give this customer, and on what payment terms?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark

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