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ROOFTOP 1

Active
Private limited companyfounded 20233 yrs activeAvenue Jean Monnet 1, 1401 Nivelles, BelgiumKBO/BCE: BE 0801.895.733
Summary

The computed 12-month bankruptcy probability of ROOFTOP 1 is 3.2% (moderate). The annual accounts of ROOFTOP 1 for fiscal year 2025 show a net loss of 103% of the equity at the start of that year. The 2025 annual accounts show equity of €1.4m and a net result of -€1.1m. The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability0▼-40
Solvency54▲+4
Growth52
Track record94
Bankruptcy probability, 12 months
3.2% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €45,000 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 1.9 against 1.9 in 2024; short-term debt: 52.7% and cash: 0% of total assets), but 71.3% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
+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 date
Age against the risk zone
highest failure risk from 2 to 8 years 3 years 0 10 y
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filings
Deviation from the deadline
2025
28 d late
2024
60 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 2 accounts on average 44 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)
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 months
Position in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 17 May 2023, ROOFTOP 1 was incorporated as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€1.4m▲ 37.8%
2024 · €1.0m
Total assets
€4.9m▲ 20.3%
2024 · €4.1m
Net result
-€1.1m
2024 · €36,609
Working capital
€2.3m▲ 19.9%
2024 · €1.9m
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20242025
Operating result-€4,810--€29,699▼ 517%
Net result€36,609--€1.1m
Equity€1.0m-€1.4m▲ 37.8%
Total assets€4.1m-€4.9m▲ 20.3%
Debt€3.1m-€3.5m▲ 14.5%
Working capital€1.9m-€2.3m▲ 19.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€1.5m-€1.0m-€500,000€0Operating result 2024: -€4,810-€4,810Net result 2024: €36,609€36,609Operating result 2025: -€29,699-€29,699Net result 2025: -€1.1m-€1.1m20242025-€1.5m-€1m-€500,000€0Operating result 2024: -€4,810-€4,810Net result 2024: €36,609€36,600Operating result 2025: -€29,699-€29,700Net result 2025: -€1.1m-€1.1m20242025
The operating result stays negative: a loss of €29,699 in 2025 against €4,810 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €4.9m
Equity €1.4m ▲ 37.8%
Debt €3.5m ▲ 14.5%
Debt's share of the balance-sheet total falls from 74.9% to 71.3%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
Current ratio
1.90▼
2024 · 1.90
Quick ratio
0.43▼
2024 · 0.80
Debt to equity
2.48▼
2024 · 2.99
ROE
-74.7%▼
2024 · 3.6%
ROA
-21.4%▼
2024 · 0.9%
Debt ≤ 1 year
€2.6m▲
2024 · €2.1m
Debt > 1 year
€912,806=
2024 · €912,806
Income taxes
€0▼
2024 · €12,203
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 688 companies that looked in July 2024 the way this one looks now, 5.2% went bankrupt within 24 months and 89% are still going.

  • Small
  • solvency 10 to 30%
  • a loss of 10% of the balance sheet or more
  • without age
5.2% went bankrupt
4.4% stopped otherwise
89% still going

A further 1.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 3.2% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.9%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 688 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet Code20242025
Assets
Total assets20/58€4.1m€4.9m▲
Current assets29/58€4.1m€4.9m▲
Amounts receivable after more than one year29€370,134€370,134=
Other amounts receivable291€370,134€370,134=
Stocks and contracts in progress3€2.4m€3.8m▲
Stocks30/36€2.4m€3.8m▲
Amounts receivable within one year40/41€96€367▲
Trade receivables40-€367
Other amounts receivable41€96€0▼
Cash at bank and in hand54/58€270€1,372▲
Deferred charges and accrued income490/1€1.3m€730,000▼
Equity and liabilities
Total equity and liabilities10/49€4.1m€4.9m▲
Equity10/15€1.0m€1.4m▲
Contributions10/11€5,000€5,000=
Revaluation surpluses12€979,420€2.4m▲
Profit (loss) carried forward14€36,609-€1.0m▼
Amounts payable17/49€3.1m€3.5m▲
Amounts payable after more than one year17€912,806€912,806=
Financial debts170/4€912,806€912,806=
Amounts payable within one year42/48€2.1m€2.6m▲
Financial debts43€700,000€700,000=
Credit institutions430/8€700,000€700,000=
Trade debts44€1,827€24,411▲
Suppliers440/4€1,827€24,411▲
Taxes, remuneration and social security45€12,203€12,203=
Taxes450/3€12,203€12,203=
Other amounts payable47/48€1.4m€1.8m▲
Income statement Code20242025
Other operating charges640/8€440€887▲
Gross operating margin9900-€4,370-€28,812▼
Operating profit (loss)9901-€4,810-€29,699▼
Financial income75/76B€54,259€0▼
Recurring financial income75€54,259€0▼
Financial charges65/66B€638€1.0m▲
Recurring financial charges65€638€1.0m▲
Profit (loss) for the period before taxes9903€48,812-€1.1m▼
Income taxes67/77€12,203€0▼
Profit (loss) for the period9904€36,609-€1.1m▼
Profit (loss) for the period to be appropriated9905€36,609-€1.1m▼
Appropriation of the result
Profit (loss) to be appropriated9906€36,609-€1.0m▼
Profit (loss) brought forward from the previous period14P-€36,609

The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20242025Change
Other operating charges640/8€440€887▲ 102%
Gross operating margin9900-€4,370-€28,812▼ 559%
Operating profit (loss)9901-€4,810-€29,699▼ 517%
Financial income75/76B€54,259€0▼ 100%
Recurring financial income75€54,259€0▼ 100%
Financial charges65/66B€638€1.0m▲ 159,978%
Recurring financial charges65€638€1.0m▲ 159,978%
Profit (loss) for the period before taxes9903€48,812-€1.1m▼ 2,252%
Income taxes67/77€12,203€0▼ 100%
Profit (loss) for the period9904€36,609-€1.1m▼ 2,969%
Profit (loss) for the period to be appropriated9905€36,609-€1.1m▼ 2,969%
Line20242025Change
Assets
Total assets20/58€4.1m€4.9m▲ 20.3%
Current assets29/58€4.1m€4.9m▲ 20.3%
Amounts receivable after more than one year29€370,134€370,134=
Other amounts receivable291€370,134€370,134=
Stocks and contracts in progress3€2.4m€3.8m▲ 60.7%
Stocks30/36€2.4m€3.8m▲ 60.7%
Amounts receivable within one year40/41€96€367▲ 281%
Trade receivables40-€367-
Other amounts receivable41€96€0▼ 100%
Cash at bank and in hand54/58€270€1,372▲ 409%
Deferred charges and accrued income490/1€1.3m€730,000▼ 45.5%
Equity and liabilities
Total equity and liabilities10/49€4.1m€4.9m▲ 20.3%
Equity10/15€1.0m€1.4m▲ 37.8%
Contributions10/11€5,000€5,000=
Revaluation surpluses12€979,420€2.4m▲ 147%
Profit (loss) carried forward14€36,609-€1.0m▼ 2,869%
Amounts payable17/49€3.1m€3.5m▲ 14.5%
Amounts payable after more than one year17€912,806€912,806=
Financial debts170/4€912,806€912,806=
Amounts payable within one year42/48€2.1m€2.6m▲ 20.6%
Financial debts43€700,000€700,000=
Credit institutions430/8€700,000€700,000=
Trade debts44€1,827€24,411▲ 1,236%
Suppliers440/4€1,827€24,411▲ 1,236%
Taxes, remuneration and social security45€12,203€12,203=
Taxes450/3€12,203€12,203=
Other amounts payable47/48€1.4m€1.8m▲ 29.4%
Line20242025Change
Profit (loss) for the period9904€36,609-€1.1m▼ 2,969%
Operating cash flow (approximation)€36,609-€1.1m▼ 2,969%
Change in cash-€1,102-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
28-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
29-09
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
NBB filing
0 of 3 acts read
About the unread acts

We know of 3 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
3 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, Nivelles · 1 establishment unit since 2023
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.

Avenue Jean Monnet 11401 Nivelles
1 establishment unit
ROOFTOP 1
Avenue Jean Monnet 1, 1401 NivellesReal estate development
since 20232.345.980.335

Identification & contact

Identification
Legal formPrivate limited company
Founded17-05-2023
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID 0208:0801895733
Registered 05-11-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.