ROUSSEAU TOITURES
ActiveThe computed 12-month bankruptcy probability of ROUSSEAU TOITURES is 1.9% (moderate). The 2025 annual accounts show equity of €39k and a net result of €28k. Equity is shrinking by ~10.7% per year across the filed fiscal years. Its solvency ranks better than 25% of 27711 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
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▼-11
Solvency48▼-22
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.09 against 2.06 in 2024; short-term debt: 43.5% and cash: 37.9% of total assets), and 76.8% 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
23.2%
Return on assets
16.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 27711 sector peers (2025).
NBB · sector comparisonPosition among 27711 sector peers
Solvency
better than 25%
← weakest
strongest →
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 28-05-2026, 64 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
64 d early
2024
29 d late
2023
26 d late
2022
on the day
2021
25 d late
2020
53 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€39k▼ 45.6%
2024 · €71k
2020: €70k
2021: €124k
2022: €127k
2023: €54k
2024: €71k
2020 → 2025
Total assets
€167k▲ 4.9%
2024 · €160k
2020: €108k
2021: €200k
2022: €158k
2023: €145k
2024: €160k
2020 → 2025
Net result
€28k▼ 55.8%
2024 · €62k
2020: €65k
2021: €54k
2022: €3k
2023: €44k
2024: €62k
2020 → 2025
Working capital
€7k▼ 85.8%
2024 · €48k
2020: €47k
2021: €107k
2022: €118k
2023: €33k
2024: €48k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€124k-€127k▲ 2.3%€54k▼ 57.6%€71k▲ 32.1%€39k▼ 45.6%
Operating result€69k-€5k▼ 93.3%€60k▲ 1,200%€87k▲ 44.9%€40k▼ 54.4%
Net result€54k-€3k▼ 94.7%€44k▲ 1,451%€62k▲ 40.1%€28k▼ 55.8%
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 54% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €167k
Fixed assets
€88k▲ 31.1%
Current assets
€80k▼ 14.1%
Equity and liabilities €167k
Equity
€39k▼ 45.6%
Debt
€129k▲ 45.6%
The debt ratio rises from 55.3% to 76.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€69k▼
2024 · €111k
Cash flow
€57k▼
2024 · €86k
Solvency
23.2%▼
2024 · 44.7%
Current ratio
1.09▼
2024 · 2.06
Quick ratio
1.09▼
2024 · 2.06
Debt / equity
3.32▲
2024 · 1.24
ROE
71.1%▼
2024 · 87.5%
ROA
16.5%▼
2024 · 39.1%
Interest coverage
21.50▼
2024 · 41.73
Debt
€129k▲
2024 · €88k
Debt ≤ 1 year
€73k▲
2024 · €45k
Debt > 1 year
€56k▲
2024 · €43k
Income taxes
€9k▼
2024 · €23k
Staff costs
€0▼
2024 · €55
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€160k€167k▲
Fixed assets21/28€67k€88k▲
Tangible fixed assets22/27€67k€88k▲
Plant, machinery and equipment23€1k€4k▲
Furniture and vehicles24€66k€83k▲
Current assets29/58€93k€80k▼
Amounts receivable within one year40/41€14k€6k▼
Trade receivables40€1k€3k▲
Other amounts receivable41€12k€3k▼
Cash at bank and in hand54/58€78k€63k▼
Deferred charges and accrued income490/1€1k€10k▲
Equity and liabilities
Total equity and liabilities10/49€160k€167k▲
Equity10/15€71k€39k▼
Contributions10/11€5k€5k=
Reserves13€66k€34k▼
Distributable reserves133€66k€34k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€88k€129k▲
Amounts payable after more than one year17€43k€56k▲
Financial debts170/4€43k€56k▲
Amounts payable within one year42/48€45k€73k▲
Current portion of amounts payable after more than one year42€20k€26k▲
Financial debts43€3k€3k▼
Credit institutions430/8€3k€3k▼
Trade debts44€8k€28k▲
Suppliers440/4€8k€28k▲
Taxes, remuneration and social security45€3k€0▼
Taxes450/3€3k€0▼
Other amounts payable47/48€11k€15k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€55€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€29k▲
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A-€1k
Gross operating margin9900€113k€72k▼
Operating profit (loss)9901€87k€40k▼
Financial income75/76B€124€111▼
Recurring financial income75€124€111▼
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€85k€37k▼
Income taxes67/77€23k€9k▼
Profit (loss) for the period9904€62k€28k▼
Profit (loss) for the period to be appropriated9905€62k€28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€62k€28k▼
Transfer from equity791/2€45k€60k▲
Transfer to equity691/2€62k€28k▼
To other reserves6921€62k€28k▼
Profit to be distributed694/7€45k€60k▲
Return on contributions (dividend)694€45k€60k▲
The notes to these accounts (9 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
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €3k ▼94.7%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 6.06
Current ratio from 2.67 to 6.06; short-term debt falls from €64k to €23k.
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Equity above €100kEq €124k ▲76.6%
2 profitable years in a row build equity to €124k.
08-06
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
2 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, Ronse · 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.
Blauwesteen 1819600 RonseGround area
317 m²
Building footprint
123 m²
Volume, LiDAR
883 m³
Parcel 45422C0484/00G004, Flanders · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ROUSSEAU TOITURES
since 20202.297.253.968
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45422C0484/00G004 | Flanders | 317 m² | 1 · 122 m² | 11.1 m · 3 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
Raaymakers
BE 0748.415.871
Laakdal · Eq €39k
Jensen Dakwerken
BE 0764.881.325
Antwerpen · Eq €39k
INNO TOITURE
BE 0747.693.321
La Hulpe · Eq €39k
BDH TOITURE
BE 0759.397.162
Overijse · Eq €39k
TOITURE TOURNAISIENNE
BE 0750.943.217
Tournai · Eq €39k
Of 8,563 companies in sector 43410 we hold annual accounts for 4,358. 3,556 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-01-2020
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:philo.rousseau@hotmail.com
Phone:+32495162587
Phone:+32495320420