Equity
€28,472 ▲ 8.9%
ROSA CONSTRUCT paid out €833 in dividends. That is 26% of the 2025 profit.
ROSA CONSTRUCT
Lifetime
2 annual accounts with figures on one time axispeak €38,129 (2024)
€12,259▼ 67.8%
peak €23,147 (2024)
€3,158▼ 86.4%
peak €28,472 (2025)
€28,472▲ 8.9%
€39,555▼ 45.0%
Board1 name since 2023
1 directorAntony ROSAMILIA
Documentsfilings and deeds
24-09-202655 days late
2025micro format
Gross margin from €38,129 to €12,259Result from €23,147 to €3,158Dividend €833Debts from €71,914 to €39,555Investments €9,320Cash from €2,388 to €6,109
Key points
from the 2025 annual accountsTurnover
≈ €150,000 estimated
The micro format states no turnover.
Investments
€9,320 2.5 × depreciation
Green is investment, beige is depreciation.
2025 accounts filed 55 days after the deadline
Checked score
38
Weak
Financially stronger than 45% of micro companies in construction of buildings (NACE 41)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
4.9% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,460 companies (NACE 41, micro).
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2025: 3.6%lowest value
02-2025: 3.6%● unchanged vs 01-2025lowest value
03-2025: 3.7%▲ +0.1 percentage points vs 02-2025
04-2025: 4.0%▲ +0.3 percentage points vs 03-2025
05-2025: 4.2%▲ +0.2 percentage points vs 04-2025
06-2025: 4.5%▲ +0.3 percentage points vs 05-2025
07-2025: 4.5%● unchanged vs 06-2025
08-2025: 5.0%▲ +0.5 percentage points vs 07-2025
09-2025: 4.9%▼ -0.1 percentage points vs 08-2025
10-2025: 5.0%▲ +0.1 percentage points vs 09-2025
11-2025: 5.0%● unchanged vs 10-2025
12-2025: 5.1%▲ +0.1 percentage points vs 11-2025
01-2026: 5.0%▼ -0.1 percentage points vs 12-2025
02-2026: 5.0%● unchanged vs 01-2026
03-2026: 5.0%● unchanged vs 02-2026
04-2026: 5.1%▲ +0.1 percentage points vs 03-2026
05-2026: 5.1%● unchanged vs 04-2026
06-2026: 5.0%▼ -0.1 percentage points vs 05-2026
07-2026: 5.1%▲ +0.1 percentage points vs 06-2026
08-2026: 5.7%▲ +0.6 percentage points vs 07-2026
09-2026: 5.8%▲ +0.1 percentage points vs 08-2026highest value
10-2026: 4.9%▼ -0.9 percentage points vs 09-2026
11-2026: 4.9%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Founded in 2023
Sector: Construction of residential and non-residential buildings (NACE 41)
Last filed accounts filed 55 days late; 2 of the last 3 accounts late
Size: total assets €68,027
Calculation
The band follows from the bankruptcy probability. 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 41, micro). It does better than 50% of them on solvency, 26% on liquidity, 51% on profitability and 52% on growth.
The bankruptcy probability was computed on 10-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 2,546 companies had the same profile as ROSA CONSTRUCT has now. Each dot stands for 7 companies, two years later.
94.3%
were still trading
3.2%
stopped another way
2.3%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of ROSA CONSTRUCT itself is higher: 4.9% within 12 months. It rests on far more data about ROSA CONSTRUCT than the profile alone.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,546 companies, not a prediction for ROSA CONSTRUCT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,000 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity is ample, with a current ratio of 1.53 (1.34 in 2024), above the usual 1.5. Short-term debt is 58.1% and cash 9% of total assets. However, 58.1% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
raises risk
raises risk · 2025 accounts filed 55 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-09-2026, 55 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filingsDeviation from the deadline
2025
55 days late
2024
41 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 48 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% 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.
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1003956928
First establishment
Rue du Moulin 3, Fontaine-l'Evêque
Incorporation
Founding capital of €4,000, 100 shares · Founder: Antony ROSAMILIA (shareholder) · Appointment: Antony ROSAMILIA (director) · published on 29-12-2023 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ROSA CONSTRUCT Fontaine-l'Evêque | €68,027 | €12,259 | 41.9% | - |
| LA MAISON COCON Tournai | €67,405 | €14,968 | 32.2% | - |
| TLD CONSTRUCT Binche | €71,546 | €15,195 | 73.6% | - |
| S.K Réseaux La Louvière | €58,742 | €11,316 | -5.2% | - |
| ECO RENOVATION Sint-Genesius-Rode | €68,384 | €12,859 | 0.0% | - |
| Laurijssen Mans Hoogstraten | €64,799 | €11,033 | 83.2% | - |
| BOUTITInet Liège | €71,736 | €12,391 | 47.9% | - |
These companies have the same main activity as ROSA CONSTRUCT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €58,700 and €71,700, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 27-12-2023Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 4 others
- Establishment unit
- 2.359.680.5946141 Fontaine-l'Evêque, since 01-01-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 08-12-2025
Insights on ROSA CONSTRUCT
The computed 12-month bankruptcy probability of ROSA CONSTRUCT is 4.9% (elevated). The 2025 annual accounts show equity of €28,472 and a net result of €3,158.
Its solvency ranks better than 49% of 9,471 sector peers (NACE 41, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about ROSA CONSTRUCT
- What is the company number of ROSA CONSTRUCT?
- The company number of ROSA CONSTRUCT is 1003.956.928. The VAT number is the same number with BE in front: BE 1003.956.928.
- Where is ROSA CONSTRUCT based?
- The registered office is at Rue du Moulin 3, 6141 Fontaine-l'Evêque.Company details
- What does ROSA CONSTRUCT do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of ROSA CONSTRUCT?
- ROSA CONSTRUCT is a private limited company (BV).
- When was ROSA CONSTRUCT founded?
- ROSA CONSTRUCT was founded on 27-12-2023.
- Is ROSA CONSTRUCT still active?
- Yes, ROSA CONSTRUCT is an active enterprise in the KBO register.
- What is the turnover of ROSA CONSTRUCT?
- The turnover in financial year 2025 is ≈ €150,000. This figure is estimated from the gross margin of €12,259 and 262 comparable companies (NACE 41001). It probably lies between €76,000 and €270,000. It is a rough estimate.Financials
- Is ROSA CONSTRUCT profitable?
- In financial year 2025, ROSA CONSTRUCT made a profit of €3,158.
- Where can I find the annual accounts of ROSA CONSTRUCT?
- ROSA CONSTRUCT filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of ROSA CONSTRUCT due?
- ROSA CONSTRUCT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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