ROSA CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of ROSA CONSTRUCT is 2.8% (moderate). The 2024 annual accounts show equity of €26k and a net result of €23k. Its solvency ranks better than 34% of 9982 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability98
Solvency52
Growth-
Track record67
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.34; short-term debt: 73.3% and cash: 2.4% of total assets), and 73.3% 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.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
26.7%
Return on assets
23.6%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-09-2025, 41 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 · 1 filingDeviation from the deadline
2024
41 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€26k
Total assets
€98k
Net result
€23k
Working capital
€24k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €98k
Fixed assets
€2k
Current assets
€96k
Equity and liabilities €98k
Equity
€26k
Debt
€72k
Debt finances 73.3% of the balance-sheet total.
Key figures and ratios
EBITDA
€36k
Cash flow
€25k
Current ratio
1.34
Debt to equity
2.75
ROE
88.5%
ROA
23.6%
Interest coverage
39.00
Debt ≤ 1 year
€72k
Income taxes
€9k
Filed annual accounts As filed with the NBB · 2024 · 38 lines
Balance sheet
Code2024
Assets
Total assets20/58€98k
Fixed assets21/28€2k
Tangible fixed assets22/27€2k
Furniture and vehicles24€2k
Current assets29/58€96k
Amounts receivable within one year40/41€93k
Trade receivables40€93k
Other amounts receivable41€65
Cash at bank and in hand54/58€2k
Deferred charges and accrued income490/1€738
Equity and liabilities
Total equity and liabilities10/49€98k
Equity10/15€26k
Contributions10/11€4k
Reserves13€22k
Distributable reserves133€22k
Profit (loss) carried forward14€2
Amounts payable17/49€72k
Amounts payable within one year42/48€72k
Trade debts44€49k
Suppliers440/4€49k
Taxes, remuneration and social security45€20k
Taxes450/3€20k
Other amounts payable47/48€3k
Income statement
Code2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k
Other operating charges640/8€3k
Gross operating margin9900€38k
Operating profit (loss)9901€34k
Financial charges65/66B€912
Recurring financial charges65€912
Profit (loss) for the period before taxes9903€33k
Income taxes67/77€9k
Profit (loss) for the period9904€23k
Profit (loss) for the period to be appropriated9905€23k
Appropriation of the result
Profit (loss) to be appropriated9906€23k
Transfer to equity691/2€22k
To other reserves6921€22k
Profit to be distributed694/7€1k
Return on contributions (dividend)694€1k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
10-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 41 days late
NBB filing
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Fontaine-l'Evêque · 1 establishment unit since 2024
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.
Rue du Moulin(FLM) 36141 Fontaine-l'EvêqueGround area
660 m²
Building footprint
183 m²
Parcel 52023A0345/00X003, Wallonia. Linked by address, not a title deed.
1 establishment unit
ROSA CONSTRUCT
since 20242.359.680.594
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52023A0345/00X003 | Wallonia | 659 m² | 1 · 182 m² | - |
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
C&I UPGRADE
BE 0762.603.013
Mettet · Eq €26,149
T. CONSTRUCT
BE 1006.446.660
Liège · Eq €26,155
BATI B&H
BE 0799.612.867
Vilvoorde · Eq €26,157
LUXEMBOURG 42
BE 0546.992.995
Overijse · Eq €26,162
K & V RENOV
BE 0782.852.257
La Louvière · Eq €26,125
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 12,170 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
Founded27-12-2023
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43110Demolition
43223Specialised construction activities
43331Floor and wall tiling
43910Bricklaying and masonry work
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.