ROSEA BINC
ActiveROSEA BINC has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €343k and a net result of €46k. Equity is growing by ~35% per year across the filed fiscal years. Its solvency ranks better than 69% of 12637 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
88
/ 100
Excellent▲ +17 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▼-34
Solvency87▲+25
Growth52▼-26
Stability94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.4 against 0.35 in 2024), and 26.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 69
Relative position
BE, all sectors
reference
Sector 69
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
73.8%
Return on assets
9.8%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-08-2026, 23 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 · 5 filingsDeviation from the deadline
2025
23 d late
2024
22 d late
2023
30 d late
2022
27 d late
2021
on the day
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€343k▲ 15.3%
2024 · €298k
2021: €64k
2022: €142k
2023: €217k
2024: €298k
2021 → 2025
Total assets
€466k▼ 19.5%
2024 · €578k
2021: €363k
2022: €445k
2023: €446k
2024: €578k
2021 → 2025
Net result
€46k▼ 43.6%
2024 · €81k
2021: €59k
2022: €78k
2023: €75k
2024: €81k
2021 → 2025
Working capital
€41k
2024 · €-127k
2021: €-18k
2022: €-47k
2023: €-45k
2024: €-127k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€64k-€142k▲ 122%€217k▲ 53.0%€298k▲ 37.2%€343k▲ 15.3%
Operating result€83k-€107k▲ 30.0%€103k▼ 3.9%€112k▲ 8.0%€61k▼ 45.5%
Net result€59k-€78k▲ 32.3%€75k▼ 3.5%€81k▲ 7.4%€46k▼ 43.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 46% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €466k
Fixed assets
€324k▼ 36.5%
Current assets
€141k▲ 109%
Equity and liabilities €466k
Equity
€343k▲ 15.3%
Debt
€122k▼ 56.4%
The debt ratio falls from 48.5% to 26.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€71k▼
2024 · €121k
Cash flow
€55k▼
2024 · €91k
Solvency
73.8%▲
2024 · 51.5%
Current ratio
1.40▲
2024 · 0.35
Quick ratio
1.40▲
2024 · 0.35
Debt / equity
0.36▼
2024 · 0.94
ROE
13.3%▼
2024 · 27.1%
ROA
9.8%▼
2024 · 14.0%
Interest coverage
73.26▲
2024 · 71.82
Debt
€122k▼
2024 · €280k
Debt ≤ 1 year
€100k▼
2024 · €195k
Debt > 1 year
€21k▼
2024 · €85k
Income taxes
€14k▼
2024 · €29k
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 2024
Balance sheet
Code20242025
Assets
Total assets20/58€578k€466k▼
Fixed assets21/28€511k€324k▼
Tangible fixed assets22/27€23k€14k▼
Furniture and vehicles24€20k€11k▼
Other tangible fixed assets26€3k€3k▼
Financial fixed assets28€487k€311k▼
Current assets29/58€67k€141k▲
Amounts receivable within one year40/41€14k€24k▲
Trade receivables40€14k€15k▲
Other amounts receivable41-€9k
Cash at bank and in hand54/58€1k€109k▲
Deferred charges and accrued income490/1€53k€8k▼
Equity and liabilities
Total equity and liabilities10/49€578k€466k▼
Equity10/15€298k€343k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€293k€338k▲
Amounts payable17/49€280k€122k▼
Amounts payable after more than one year17€85k€21k▼
Financial debts170/4€30k€2k▼
Other amounts payable178/9€56k€19k▼
Amounts payable within one year42/48€195k€100k▼
Current portion of amounts payable after more than one year42€165k€75k▼
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€26k€18k▼
Taxes450/3€23k€15k▼
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€2k€6k▲
Accrued charges and deferred income492/3€278€300▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k=
Other operating charges640/8€484€564▲
Gross operating margin9900€122k€71k▼
Operating profit (loss)9901€112k€61k▼
Financial income75/76B€3€6▲
Recurring financial income75€3€6▲
Financial charges65/66B€2k€963▼
Recurring financial charges65€2k€963▼
Profit (loss) for the period before taxes9903€110k€60k▼
Income taxes67/77€29k€14k▼
Profit (loss) for the period9904€81k€46k▼
Profit (loss) for the period to be appropriated9905€81k€46k▼
Appropriation of the result
Profit (loss) to be appropriated9906€293k€338k▲
Profit (loss) brought forward from the previous period14P€212k€293k▲
The notes to these accounts (7 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
23-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 23 days late
2025
31-12
Financial
Weakest financial yearnet €46k ▼43.6%
Net result drops to €46k, the lowest in the series.
31-12
Financial
Liquidity quadruplescurrent ratio 1.40
Current ratio from 0.35 to 1.40; short-term debt falls from €195k to €100k.
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
31-12
Financial
Highest result since 2021net €81k ▲7.4%
Operating result €112k, net result €81k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Equity above €200kEq €217k ▲53%
3 profitable years in a row build equity to €217k.
27-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 27 days late
2022
31-12
Financial
Equity above €100kEq €142k ▲122%
2 profitable years in a row build equity to €142k.
31-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Ittre · 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.
Rue du Bilot 321460 IttreGround area
3,247 m²
Building footprint
49 m²
Volume, LiDAR
110 m³
Parcel 25044B0082/00M000, Wallonia · tallest building 3.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
ROSEA BINC srl
since 20202.310.930.572
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25044B0082/00M000 | Wallonia | 3,247 m² | 1 · 49 m² | 3.0 m · 1 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
AXELLENCE
BE 0472.665.558
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BAERT
BE 0441.822.825
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SMGW HOLDING
BE 0656.826.194
Chiny · Eq €343k
VERDIN & ASSOCIES
BE 0880.440.393
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Frédéric VERLAINE
BE 0836.086.946
Dinant · Eq €344k
Of 12,122 companies in sector 69201 we hold annual accounts for 7,600. 5,911 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-12-2020
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.