ROOFMASTERS
ActiveSummary
The computed 12-month bankruptcy probability of ROOFMASTERS is 1.7% (moderate). The 2025 annual accounts show negative equity (€-37k) and a net result of €-8k. Equity is shrinking by ~46% per year across the filed fiscal years. Its solvency ranks better than 8% of 2544 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
22
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-69
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.91 against 0.66 in 2024; short-term debt: 80.4% and cash: 1.3% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Five 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-85.7%
Return on assets
-18%
Age of the figures
15 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €-37k
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 04-03-2026, 32 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 6 filingsDeviation from the deadline
2025
32 d late
2024
23 d early
2023
28 d early
2022
on the day
2021
12 d early
2020
5 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-37k▼ 26.7%
2024 · €-29k
2020: €18k
2021: €22k
2022: €-17k
2023: €-29k
2024: €-29k
2020 → 2025
Total assets
€43k▼ 56.0%
2024 · €97k
2020: €39k
2021: €83k
2022: €67k
2023: €73k
2024: €97k
2020 → 2025
Net result
€-8k▼ 951,852%
2024 · €-1
2020: €8k
2021: €3k
2022: €-39k
2023: €-12k
2024: €-1
2020 → 2025
Working capital
€-3k▲ 92.7%
2024 · €-43k
2020: €13k
2021: €17k
2022: €-20k
2023: €-45k
2024: €-43k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€-17k€-29k▼ 67.3%€-29k=€-37k▼ 26.7%
Operating result€6k-€-39k€-12k▲ 70.2%€60€-8k
Net result€3k-€-39k€-12k▲ 70.1%€-1▲ 100.0%€-8k▼ 951,852%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8k after €60 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €43k
Fixed assets
€12k ▼ 17.3%
Current assets
€31k ▼ 62.5%
Key figures and ratios
EBITDA
€-5k▼
2024 · €3k
Cash flow
€-5k▼
2024 · €2k
Solvency
-85.7%▼
2024 · -29.8%
Current ratio
0.91▲
2024 · 0.66
Debt to equity
-2.17▲
2024 · -4.36
ROA
-18.0%▼
2024 · 0.0%
Interest coverage
-84.01▼
2024 · 42.04
Debt
€79k▼
2024 · €126k
Debt ≤ 1 year
€34k▼
2024 · €126k
Debt > 1 year
€45k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€97k€43k▼
Fixed assets21/28€14k€12k▼
Tangible fixed assets22/27€9k€7k▼
Plant, machinery and equipment23€9k€7k▼
Financial fixed assets28€5k€5k=
Current assets29/58€83k€31k▼
Amounts receivable within one year40/41€80k€30k▼
Trade receivables40€26k€26k▲
Other amounts receivable41€55k€4k▼
Cash at bank and in hand54/58€543€543▲
Deferred charges and accrued income490/1€2k€341▼
Equity and liabilities
Total equity and liabilities10/49€97k€43k▼
Equity10/15€-29k€-37k▼
Contributions10/11€10k€10k=
Reserves13€12k€12k=
Non-distributable reserves130/1€990€990=
Reserves not available under the articles1311€990€990=
Distributable reserves133€11k€11k=
Profit (loss) carried forward14€-51k€-58k▼
Amounts payable17/49€126k€79k▼
Amounts payable after more than one year17-€45k
Financial debts170/4-€45k
Amounts payable within one year42/48€126k€34k▼
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€3k€0▼
Taxes450/3€3k€0▼
Other amounts payable47/48€121k€31k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€136€142▲
Gross operating margin9900€3k€-5k▼
Operating profit (loss)9901€60€-8k▼
Financial charges65/66B€61€62▲
Recurring financial charges65€61€62▲
Profit (loss) for the period before taxes9903€-1€-8k▼
Profit (loss) for the period9904€-1€-8k▼
Profit (loss) for the period to be appropriated9905€-1€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-51k€-58k▼
Profit (loss) brought forward from the previous period14P€-51k€-51k=
The notes to these accounts (10 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
04-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 32 days late
2025
08-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Weakest financial yearnet €-39k
Net result drops to €-39k, the lowest in the series; recovery starts the following year.
19-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-01
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.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Aalter · 1 establishment unit since 2019
Ground area
950 m²
Building footprint
176 m²
Volume, LiDAR
657 m³
Parcel 44001A0741/00Z000, Flanders · tallest building 5.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
ROOFMASTERS
since 20192.290.479.707
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44001A0741/00Z000 | Flanders | 950 m² | 1 · 176 m² | 5.2 m · 1 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.
Similar companies · same sector, comparable size
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LTDAV CONCEPT
BE 0765.733.539
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WP PRESTIGE
BE 0680.429.462
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NL Custom and Clean Cars
BE 0794.255.202
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Of 3,208 companies in sector 95316 we hold annual accounts for 751. 536 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-05-2019
Fiscal year end30-06
Activities, NACEBEL 2025
95316Washing and cleaning of motor vehicles
41001General construction of residential buildings
41003General construction of other non-residential buildings
43222Installation of electric heating, air conditioning, cooling and ventilation
43410Roofing work
77399Renting and leasing of other machinery, equipment and tangible goods
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.