Equity
€28,472 ▲ 8.9%
ROSA CONSTRUCT paid out €833 in dividends. That is 26% of the 2025 profit.
ROSA CONSTRUCT
Overview
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.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
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
Annual accounts 2025
- €12,259▼ 67.8%
- €3,158▼ 86.4%
- €28,472▲ 8.9%
- €68,027▼ 30.6%
- Filing
- Filed on 24-09-2026
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.
Financials
Annual accounts 2025
micro format, filed on 24-09-2026, 55 days late€12,259
▼ 67.8%
€5,335
▼ 84.1%
€3,158
▼ 86.4%
€20,850
▼ 13.7%
41.9%
▲ 15.2 percentage points
1.53
▲ 0.19
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €150,000. Estimated: probably between €76,000 and €270,000.
Balance sheet
balance sheet total €68,027 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
41.9%
Higher than 49% of 9,471 companies in 2025.
1.53
Higher than 45% of 9,219 companies in 2025.
4.6%
Higher than 43% of 9,291 companies in 2025.
ROSA CONSTRUCT
Middle half of the sector
80% of the sector
Micro accounts in construction of buildings (NACE 41)
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
68,027 | 98,060 | |
21/28 |
7,622 | 1,989 | |
22/27 |
7,622 | 1,989 | |
23 |
257 | - | |
24 |
7,364 | 1,989 | |
29/58 |
60,405 | 96,071 | |
40/41 |
53,333 | 92,945 | |
40 |
48,942 | 92,880 | |
41 |
4,391 | 65 | |
54/58 |
6,109 | 2,388 | |
490/1 |
963 | 738 | |
| Balance sheet: equity and liabilities | |||
10/49 |
68,027 | 98,060 | |
10/15 |
28,472 | 26,147 | |
10/11 |
4,000 | 4,000 | |
13 |
22,145 | 22,145 | |
133 |
22,145 | 22,145 | |
14 |
2,327 | 2 | |
17/49 |
39,555 | 71,914 | |
42/48 |
39,555 | 71,914 | |
44 |
27,724 | 49,045 | |
440/4 |
27,724 | 49,045 | |
45 |
10,312 | 19,806 | |
450/3 |
7,562 | 19,806 | |
454/9 |
2,750 | - | |
47/48 |
1,519 | 3,063 | |
| Income statement | |||
9900 |
12,259 | 38,129 | |
630 |
3,687 | 2,000 | |
640/8 |
3,236 | 2,577 | |
9901 |
5,335 | 33,552 | |
75/76B |
1 | - | |
75 |
1 | - | |
65/66B |
732 | 912 | |
65 |
732 | 912 | |
9903 |
4,605 | 32,640 | |
67/77 |
1,447 | 9,493 | |
9904 |
3,158 | 23,147 | |
9905 |
3,158 | 23,147 | |
| Appropriation of the result | |||
9906 |
3,160 | 23,147 | |
14P |
2 | - | |
691/2 |
- | 22,145 | |
6921 |
- | 22,145 | |
694/7 |
833 | 1,000 | |
694 |
833 | 1,000 | |
| Document | |||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 24-09-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 55 days after the deadline. Filed on 24 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00540500.
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 9,023 | 35,552 | ||
| 6,845 | 25,147 | ||
| 9,320 | 3,989 | ||
| 3,721 | - | ||
| 20,850 | 24,158 | ||
| 41.9% | 26.7% | ||
| 1.53 | 1.34 | ||
| 1.39 | 2.75 | ||
| 11.1% | 88.5% | ||
| 4.6% | 23.6% | ||
| 12.33 | 39.00 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 |
|---|---|---|
| Tangible fixed assets | €9,320 | €3,989 |
| €3,687 | €2,000 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on ROSA CONSTRUCT
The operating result for 2025 is 84% lower than in 2024.
Debt's share of the balance-sheet total falls from 73.3% to 58.1%. Equity is higher and debt is lower.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 29-12-2023
term without a fixed end
listed in the 2025 annual accounts, filed on 24-09-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Article 17 - Pouvoirs de représentation Chaque administrateur représente la société à l'égard des tiers et en justice, soit en demandant…”deed of 29-12-2023
Mandates through the years
1 name, the dashed line is todayAntony ROSAMILIA
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- Antony ROSAMILIA
- Director (not named in the articles), appointed by deed of 29-12-2023, still in office
Control
Capital
- Contribution
- €4,000
- Shares
- 100
- Contribution per share
- €40
- Equity per share
- €285 in 2025
- Source
- deed of 29-12-2023
Articles of association
deed of 29-12-2023 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Tuesday of May at 15:00
Shareholders
At incorporation
deed of 29-12-2023 ↗
- Antony ROSAMILIA 100 shares (100%) · €4,000 in cash
Network & group
No group
ROSA CONSTRUCT has no parent and no holdings in its annual accounts. Antony ROSAMILIA is the only director. ROSA CONSTRUCT shares no director with another company.
Timeline
Timeline
5 events since 2023Filings
Establishments
2023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 55 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1003956928
Annual accounts 2024 filed PDFmicro format · 41 days late
2024
First establishment Rue du Moulin 3, Fontaine-l'Evêque
2023
IncorporationFounding capital of €4,000, 100 shares · Founder: Antony ROSAMILIA (shareholder) · Appointment: Antony ROSAMILIA (director) · published on 29-12-20235 points ▸
- Founder, Antony ROSAMILIA (shareholder)
- Founding capital, €4,000, 100 shares
- Antony ROSAMILIA holds all the shares
- Registered office clause, Rue du Moulin 3, 6141 Fontaine-l'Evêque (Forchies-la-Marche)
- Director appointment, Antony ROSAMILIA (director (not named in the articles))
- The deed holds 4 more points.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
ROSA CONSTRUCT was incorporated on 27 December 2023 as a private limited company by one natural person, with a starting capital of €4,000.12 Antony ROSAMILIA is director of the company, appointed by deed of 29-12-2023.2 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Company details
Identity
- Enterprise number
- 1003.956.928
- VAT number
- BE 1003.956.928
- Peppol ID
- 0208:1003956928
- Other Peppol ID
- 9925:BE1003956928
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 27-12-2023
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Tuesday of May at 15:00deed of 29-12-2023 (in French)
- Peppol
- Reachable since 08-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- ROSA CONSTRUCT in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 29-12-2023 (in French)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Région Wallonne”deed of 29-12-2023 (in French)
Activities
NACEBEL 202541001
General construction of residential buildings main activity
43110
Demolition
43331
Floor and wall tiling
Codes under NACEBEL 2008
41201
General construction of buildings main activity
43110
Demolition
43331
Floor and wall tiling
43993
Specialised construction activities
43994
Specialised construction activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “L’entreprise générale de construction et l’entreprise de maçonnerie au sens large,ainsi que de démolition,de rénovation,d’aménagement de…”deed of 29-12-2023 (in French)
11 activities
- L’entreprise générale de construction et l’entreprise de maçonnerie au sens large,ainsi que de démolition,de rénovation,d’aménagement de bâtiments de toute nature et les travaux publics et privés,l’installation de système d’épuration d’eau
- L’entreprise de carrelage et de recouvrement de sol,en ce compris les chapes et finitions,les travaux de rejointoiement
- L’entreprise de plafonnage,de revêtement de murs intérieurs et extérieurs,bardage,traitements,enduisage,etc.
- Les travaux de peinture intérieure et extérieure du bâtiment
- La construction de cheminées décoratives et de feux ouverts
- La construction de fours industriels
- L’entreprise de charpente,de menuiserie intérieure et extérieure
- Les travaux de ferraillage et la pose de coffrage
- L’entreprise d’installation de chauffage,de sanitaire,d’installation de tuyaux de conduite d’eau et de décharge
- L’entreprise d’installation électrique du bâtiment,en ce compris les systèmes de chauffage,les installations domestiques de production d’électricité,les systèmes d’aération et de chauffage
- Les travaux de couverture du bâtiment
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue du Moulin 3 registered office 6141 Fontaine-l'Evêque 4100101 General construction of residential buildings | 01-01-2024 | 2.359.680.594 |
Buildings and parcels at the address
- Ground area
- 660 m²
- Buildings
- 183 m²
- Volume, LiDAR
- 943 m³
- Tallest building
- 6.6 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 52023A0345/00X003 | 659 m² | 1 · 182 m² | 6.6 m · 2 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1003.956.928