ROSA
ActiveROSA has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €338k and a net result of €-8k. Equity is growing by ~14.1% per year across the filed fiscal years. Its solvency ranks better than 42% of 9389 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability35▼-3
Solvency70▲+30
Growth52▲+20
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity short (current ratio 0.03 against 0.01 in 2023; short-term debt: 49.8% and cash: 0.9% of total assets), and 54.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 4 filingsDeviation from the deadline
2025
30 d late
2023
68 d late
2022
116 d late
2021
55 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€338k▲ 196%
2023 · €114k
2021: €121k
2022: €114k
2023: €114k
2021 → 2025
Total assets
€747k▲ 1.1%
2023 · €739k
2021: €743k
2022: €742k
2023: €739k
2021 → 2025
Net result
€-8k
2023 · €778
2021: €116k
2022: €-7k
2023: €778
2021 → 2025
Working capital
€-359k▲ 38.4%
2023 · €-584k
2021: €-561k
2022: €-584k
2023: €-584k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232025Trend
Equity€121k-€114k▼ 6.0%€114k▲ 0.7%€338k▲ 196%
Operating result€-3k-€-2k▲ 22.4%€2k€-7k
Net result€116k-€-7k€778€-8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is €-7k in 2025, compared with €2k in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €747k
Fixed assets
€734k=
Current assets
€13k▲ 166%
Equity and liabilities €747k
Equity
€338k▲ 196%
Debt
€408k▼ 34.6%
The debt ratio falls from 84.5% to 54.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
45.3%▲
2023 · 15.5%
Current ratio
0.03▲
2023 · 0.01
Quick ratio
0.03▲
2023 · 0.01
Debt / equity
1.21▼
2023 · 5.46
ROE
-2.4%▼
2023 · 0.7%
ROA
-1.1%▼
2023 · 0.1%
Debt
€408k▼
2023 · €624k
Debt ≤ 1 year
€372k▼
2023 · €588k
Debt > 1 year
€19k▼
2023 · €36k
Income taxes
€661
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 2023
Balance sheet
Code20232025
Assets
Total assets20/58€739k€747k▲
Fixed assets21/28€734k€734k=
Financial fixed assets28€734k€734k=
Current assets29/58€5k€13k▲
Amounts receivable within one year40/41€2k€6k▲
Trade receivables40€2k€4k▲
Other amounts receivable41-€2k
Cash at bank and in hand54/58€3k€7k▲
Equity and liabilities
Total equity and liabilities10/49€739k€747k▲
Equity10/15€114k€338k▲
Contributions10/11€5k€5k=
Reserves13€109k€333k▲
Distributable reserves133€109k€333k▲
Amounts payable17/49€624k€408k▼
Amounts payable after more than one year17€36k€19k▼
Financial debts170/4€36k€19k▼
Amounts payable within one year42/48€588k€372k▼
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€2k€2k▲
Taxes450/3€2k€2k▲
Other amounts payable47/48€585k€368k▼
Accrued charges and deferred income492/3-€18k
Income statement
Code20232025
Other operating charges640/8-€1k
Gross operating margin9900€2k€-6k▼
Operating profit (loss)9901€2k€-7k▼
Financial income75/76B€8-
Recurring financial income75€8-
Financial charges65/66B€1k€749▼
Recurring financial charges65€1k€749▼
Profit (loss) for the period before taxes9903€778€-8k▼
Income taxes67/77-€661
Profit (loss) for the period9904€778€-8k▼
Profit (loss) for the period to be appropriated9905€778€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€778€-8k▼
Transfer from equity791/2-€8k
Transfer to equity691/2€778-
To other reserves6921€778-
The notes to these accounts (3 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Weakest financial yearnet €-8k ▼1164%
Net result drops to €-8k, the lowest in the series.
31-12
Financial
Equity above €200kEq €338k ▲196%
Equity rises from €114k to €338k.
2024
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
31-12
Financial
Back to profitnet €778
Net result €778 after one loss-making year.
24-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 116 days late
2022
24-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 55 days late
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, Aalst · 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.
Pachting 499310 AalstGround area
580 m²
Building footprint
160 m²
Volume, LiDAR
709 m³
Parcel 41042C0497/00B002, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ROSA
since 20202.313.960.041
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41042C0497/00B002 | Flanders | 580 m² | 1 · 159 m² | 10.5 m · 2 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
MDC-INTERIEUR
BE 0810.111.534
Grobbendonk · Eq €339k
CAPVER
BE 0446.744.386
Chaumont-Gistoux · Eq €338k
BE-KOZ INTERIOR DESIGN
BE 0428.007.451
Ukkel · Eq €337k
DINA
BE 0450.391.685
Linter · Eq €340k
VITROVAN
BE 0502.976.969
Izegem · Eq €341k
Of 3,919 companies in sector 71112 we hold annual accounts for 1,296. 833 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-12-2020
Fiscal year end31-12
Activities, NACEBEL
71112Activities of interior architects
43320Joinery installation
90022Arts creation and performing arts activities
90392Design and construction of stages and sets
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:rubben_smits@hotmail.com
Phone:0474 209 516