Rossion Christophe
ActiveThe computed 12-month bankruptcy probability of Rossion Christophe is 1.8% (moderate). The 2025 annual accounts show equity of €474k and a net result of €53k. Equity is growing by ~17% per year across the filed fiscal years. Its solvency ranks better than 83% of 7692 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79=
Solvency100▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 4.22 against 4.75 in 2024; short-term debt: 15.3% and cash: 13.9% of total assets), and 25.4% 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
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
Sector 43
higher
← 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
74.6%
Return on assets
8.3%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
4 d early
2024
18 d late
2023
7 d early
2022
10 d late
2021
39 d early
2020
5 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€53k▲ 15.6%
2024 · €46k
2020: €26k
2021: €76k
2022: €46k
2023: €96k
2024: €46k
2020 → 2025
Working capital
€312k▲ 8.4%
2024 · €288k
2020: €110k
2021: €177k
2022: €200k
2023: €225k
2024: €288k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€259k-€305k▲ 17.9%€375k▲ 23.0%€421k▲ 12.2%€474k▲ 12.5%
Operating result€94k-€67k▼ 29.1%€130k▲ 95.2%€64k▼ 50.5%€76k▲ 18.2%
Net result€76k-€46k▼ 39.3%€96k▲ 106%€46k▼ 52.2%€53k▲ 15.6%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 18% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €636k
Fixed assets
€227k▲ 4.5%
Current assets
€409k▲ 12.2%
Equity and liabilities €636k
Equity
€474k▲ 12.5%
Debt
€162k▲ 1.0%
The debt ratio falls from 27.5% to 25.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€146k▲
2024 · €121k
Cash flow
€123k▲
2024 · €102k
Solvency
74.6%▲
2024 · 72.5%
Current ratio
4.22▼
2024 · 4.75
Quick ratio
3.34▼
2024 · 3.59
Debt / equity
0.34▼
2024 · 0.38
ROE
11.2%▲
2024 · 10.9%
ROA
8.3%▲
2024 · 7.9%
Interest coverage
36.47▲
2024 · 36.23
Debt
€162k▲
2024 · €160k
Debt ≤ 1 year
€97k▲
2024 · €77k
Debt > 1 year
€65k▼
2024 · €83k
Income taxes
€19k▲
2024 · €15k
Staff costs
€245k▲
2024 · €150k
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€581k€636k▲
Fixed assets21/28€217k€227k▲
Intangible fixed assets21€191€3k▲
Tangible fixed assets22/27€216k€224k▲
Land and buildings22€4k€4k▼
Plant, machinery and equipment23€37k€35k▼
Furniture and vehicles24€106k€122k▲
Leasing and similar rights25€19-
Other tangible fixed assets26€69k€62k▼
Current assets29/58€365k€409k▲
Stocks and contracts in progress3€89k€86k▼
Stocks30/36€89k€86k▼
Amounts receivable within one year40/41€146k€227k▲
Trade receivables40€122k€207k▲
Other amounts receivable41€24k€20k▼
Cash at bank and in hand54/58€124k€88k▼
Deferred charges and accrued income490/1€6k€9k▲
Equity and liabilities
Total equity and liabilities10/49€581k€636k▲
Equity10/15€421k€474k▲
Contributions10/11€8k€8k=
Revaluation surpluses12€19k€19k=
Reserves13€286k€338k▲
Non-distributable reserves130/1€930€930=
Reserves not available under the articles1311€930€930=
Distributable reserves133€285k€337k▲
Profit (loss) carried forward14€109k€110k▲
Amounts payable17/49€160k€162k▲
Amounts payable after more than one year17€83k€65k▼
Financial debts170/4€83k€65k▼
Amounts payable within one year42/48€77k€97k▲
Current portion of amounts payable after more than one year42€40k€54k▲
Trade debts44€17k€20k▲
Suppliers440/4€17k€20k▲
Taxes, remuneration and social security45€20k€21k▲
Taxes450/3€9k€9k▲
Remuneration and social security454/9€11k€12k▲
Other amounts payable47/48€152€2k▲
Accrued charges and deferred income492/3€250-
Income statement
Code20242025
Non-recurring operating income76A€1k€625▼
Remuneration, social security and pensions62€150k€245k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€56k€70k▲
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A€255-
Gross operating margin9900€273k€394k▲
Operating profit (loss)9901€64k€76k▲
Financial income75/76B€234€24▼
Recurring financial income75€234€24▼
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€61k€72k▲
Income taxes67/77€15k€19k▲
Profit (loss) for the period9904€46k€53k▲
Profit (loss) for the period to be appropriated9905€46k€53k▲
Appropriation of the result
Profit (loss) to be appropriated9906€154k€162k▲
Profit (loss) brought forward from the previous period14P€108k€109k▲
Transfer to equity691/2€45k€52k▲
To other reserves6921€45k€52k▲
Social balance
Average headcount (FTE)90873.05.0▲
The notes to these accounts (16 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 18 days late
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2020net €96k ▲106%
Operating result €130k, net result €96k, both a record.
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 10 days late
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €259k ▲41.8%
2 profitable years in a row build equity to €259k.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Ciney · 1 establishment unit since 2019
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 Coteau 75590 CineyGround area
1,544 m²
Building footprint
215 m²
Parcel 91028B0464/00W000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue du Coteau 7, 5590 Ciney
since 20192.296.301.091
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91028B0464/00W000 | Wallonia | 1,544 m² | 1 · 215 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.
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Of 7,033 companies in sector 43221 we hold annual accounts for 3,468. 2,368 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-11-2019
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.