ROSEB CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of ROSEB CONSTRUCT is 3.6% (moderate). The 2025 annual accounts show equity of €42,347 and a net result of €12,791. Equity is growing by ~30.7% per year across the filed fiscal years. Its solvency ranks better than 54% of 28254 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability76▼-15
Solvency76▼-12
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
3.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity ample (current ratio 2.02 against 2.67 in 2024; short-term debt: 49.4% and cash: 1.8% of total assets), and 49.4% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
50.6%
Return on assets
15.3%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 08-04-2026, 22 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
22 d early
2024
8 d early
2023
50 d early
2022
34 d early
2021
9 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 25 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 8 April (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€493,633
EBIT margin
3.4%
Net result
€12,791▲ 27.3%
2024 · €10,048
Working capital
€42,347▲ 43.3%
2024 · €29,556
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€493,633-
Operating result€16,639-€7,243▼ 56.5%€2,719▼ 62.5%€11,821▲ 335%€13,911▲ 17.7%
Net result€11,630within the sector's middle half-€2,613within the sector's middle half▼ 77.5%€2,265within the sector's middle half▼ 13.3%€10,048within the sector's middle half▲ 344%€12,791within the sector's middle half▲ 27.3%
EBIT margin3.4%-
Equity€14,630below the sector's middle half-€17,243below the sector's middle half▲ 17.9%€19,507below the sector's middle half▲ 13.1%€29,556within the sector's middle half▲ 51.5%€42,347within the sector's middle half▲ 43.3%
Total assets€68,110within the sector's middle half-€120,783within the sector's middle half▲ 77.3%€27,911below the sector's middle half▼ 76.9%€47,278below the sector's middle half▲ 69.4%€83,713within the sector's middle half▲ 77.1%
Debt€53,480-€103,541▲ 93.6%€8,404▼ 91.9%€17,723▲ 111%€41,366▲ 133%
Working capital€14,630within the sector's middle half-€17,243within the sector's middle half▲ 17.9%€19,507within the sector's middle half▲ 13.1%€29,556within the sector's middle half▲ 51.5%€42,347within the sector's middle half▲ 43.3%
Solvency21.5%below the sector's middle half-14.3%below the sector's middle half▼ 7.2pp69.9%above the sector's middle half▲ 55.6pp62.5%within the sector's middle half▼ 7.4pp50.6%within the sector's middle half▼ 11.9pp
Current ratio1.27within the sector's middle half-1.17within the sector's middle half▼ 0.113.32above the sector's middle half▲ 2.152.67within the sector's middle half▼ 0.652.02within the sector's middle half▼ 0.64
Return on assets (ROA)17.1%above the sector's middle half-2.2%within the sector's middle half▼ 14.9pp8.1%within the sector's middle half▲ 6.0pp21.3%above the sector's middle half▲ 13.1pp15.3%within the sector's middle half▼ 6.0pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 18% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €83,713
Equity
€42,347 ▲ 43.3%
Debt
€41,366 ▲ 133%
Debt's share of the balance-sheet total rises from 37.5% to 49.4%. Equity and debt are higher.
Key figures and ratios
Debt to equity
0.98▲
2024 · 0.60
ROE
30.2%▼
2024 · 34.0%
Debt ≤ 1 year
€41,366▲
2024 · €17,723
Income taxes
€3,618▲
2024 · €2,774
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,970 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 3.6% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,970 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €493,633 | - | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €476,994 | - | - | - | - | - |
| Other operating charges640/8 | €86 | €442 | €195 | €236 | €366 | ▲ 55.1% |
| Gross operating margin9900 | €16,725 | €7,685 | €2,914 | €12,057 | €14,277 | ▲ 18.4% |
| Operating profit (loss)9901 | €16,639 | €7,243 | €2,719 | €11,821 | €13,911 | ▲ 17.7% |
| Financial income75/76B | €689 | €453 | €442 | €1,220 | €2,656 | ▲ 118% |
| Recurring financial income75 | €689 | €453 | €442 | €1,220 | €2,656 | ▲ 118% |
| Financial charges65/66B | €2,769 | €4,416 | €293 | €219 | €157 | ▼ 28.1% |
| Recurring financial charges65 | €2,769 | €4,416 | €293 | €219 | €157 | ▼ 28.1% |
| Profit (loss) for the period before taxes9903 | €14,559 | €3,279 | €2,869 | €12,822 | €16,409 | ▲ 28.0% |
| Income taxes67/77 | €2,930 | €666 | €604 | €2,774 | €3,618 | ▲ 30.4% |
| Profit (loss) for the period9904 | €11,630 | €2,613 | €2,265 | €10,048 | €12,791 | ▲ 27.3% |
| Profit (loss) for the period to be appropriated9905 | €11,630 | €2,613 | €2,265 | €10,048 | €12,791 | ▲ 27.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €68,110 | €120,783 | €27,911 | €47,278 | €83,713 | ▲ 77.1% |
| Current assets29/58 | €68,110 | €120,783 | €27,911 | €47,278 | €83,713 | ▲ 77.1% |
| Amounts receivable within one year40/41 | €11,797 | €112,225 | €11,860 | €46,570 | €76,725 | ▲ 64.8% |
| Trade receivables40 | €3,384 | €104,428 | €4,803 | €6,217 | €15,940 | ▲ 156% |
| Other amounts receivable41 | €8,414 | €7,797 | €7,057 | €40,353 | €60,785 | ▲ 50.6% |
| Cash at bank and in hand54/58 | €4,857 | €1,135 | €2,214 | €708 | €1,493 | ▲ 111% |
| Deferred charges and accrued income490/1 | €51,455 | €7,423 | €13,837 | - | €5,495 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €68,110 | €120,783 | €27,911 | €47,278 | €83,713 | ▲ 77.1% |
| Equity10/15 | €14,630 | €17,243 | €19,507 | €29,556 | €42,347 | ▲ 43.3% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | €11,630 | €14,243 | €16,507 | €26,556 | €39,347 | ▲ 48.2% |
| Amounts payable17/49 | €53,480 | €103,541 | €8,404 | €17,723 | €41,366 | ▲ 133% |
| Amounts payable within one year42/48 | €53,480 | €103,541 | €8,404 | €17,723 | €41,366 | ▲ 133% |
| Financial debts43 | - | - | - | €7 | - | - |
| Credit institutions430/8 | - | - | - | €7 | - | - |
| Trade debts44 | €50,550 | €102,874 | €3,855 | €8,667 | €32,600 | ▲ 276% |
| Suppliers440/4 | €50,550 | €102,874 | €3,855 | €8,667 | €32,600 | ▲ 276% |
| Taxes, remuneration and social security45 | €2,930 | €666 | €1,048 | €2,948 | €5,266 | ▲ 78.6% |
| Taxes450/3 | €2,930 | €666 | €1,048 | €2,948 | €5,266 | ▲ 78.6% |
| Other amounts payable47/48 | - | - | €3,500 | €6,100 | €3,500 | ▼ 42.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €11,630 | €2,613 | €2,265 | €10,048 | €12,791 | ▲ 27.3% |
| Operating cash flow (approximation) | €11,630 | €2,613 | €2,265 | €10,048 | €12,791 | ▲ 27.3% |
| Change in cash | - | -€3,722 | €1,079 | -€1,506 | €785 | ▲ 152% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
08-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2021net €12,791 ▲27.3%
Net result €12,791, the highest in the series.
22-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €2,265 ▼13.3%
Net result drops to €2,265, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity triplescurrent ratio 3.32
Current ratio from 1.17 to 3.32; short-term debt falls from €103,541 to €8,404.
27-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-04
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.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Brussel · 1 establishment unit since 2020
Ground area
629 m²
Building footprint
357 m²
Parcel 21818A0003/00P073, Brussels. Linked by address, not a title deed.
7
companies at this address
See who is registered here
1 establishment unit
ROSEB CONSTRUCT
since 20202.307.465.890
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21818A0003/00P073 | Brussels | 629 m² | 1 · 357 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,269 companies in sector 43230 we hold annual accounts for 1,241. 1,006 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded25-09-2020
Fiscal year end30-09
Activities, NACEBEL 2025
43230Insulation installation
43120Site preparation
43240Other construction installation
81220Other building cleaning and industrial cleaning
Contact
E-mail
baguromeo@yahoo.comBrussel
E-invoicing
Reachable via Peppol
Peppol ID
0208:0754927244
Registered
17-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.