Rovic
ActiveSummary
Rovic has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €122,129 and a net result of -€13,797. The figures fluctuate too strongly year-on-year for a reliable trend projection. The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability29▲+20
Solvency65▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity short (current ratio 0.01 against 0.05 in 2024; short-term debt: 60% and cash: 0.4% of total assets), and 60.2% 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
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
39.8%
Return on assets
-4.5%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€13,797
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
27 d late
2023
26 d late
2022
24 d late
2021
31 d late
2020
24 d late
2019
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 28 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€122,129▼ 10.2%
2024 · €135,926
Total assets
€306,967▼ 6.7%
2024 · €328,967
Net result
-€13,797▲ 46.8%
2024 · -€25,951
Working capital
-€182,121▲ 0.1%
2024 · -€182,316
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€13,532▼ 15.4%€90,632€200,083▲ 121%-€25,628-€13,574▲ 47.0%
Net result-€14,475▲ 8.1%€69,792€136,433▲ 95.5%-€25,951-€13,797▲ 46.8%
Equity-€44,348▼ 48.5%€25,444€161,877▲ 536%€135,926▼ 16.0%€122,129▼ 10.2%
Total assets€853,147▼ 3.4%€633,397▼ 25.8%€336,819▼ 46.8%€328,967▼ 2.3%€306,967▼ 6.7%
Debt€889,498▼ 1.7%€600,212▼ 32.5%€174,942▼ 70.9%€193,041▲ 10.3%€184,838▼ 4.2%
Working capital-€827,321▲ 1.0%-€580,853▲ 29.8%-€168,357▲ 71.0%-€182,316▼ 8.3%-€182,121▲ 0.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €13,574 in 2025 against €25,628 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €306,967
Fixed assets
€305,033 ▼ 4.4%
Current assets
€1,934 ▼ 80.5%
Equity and liabilities €306,967
Equity
€122,129 ▼ 10.2%
Debt
€184,838 ▼ 4.2%
Debt's share of the balance-sheet total rises from 58.7% to 60.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€418▲
2024 · -€4,908
Cash flow
€195▲
2024 · -€5,230
Current ratio
0.01▼
2024 · 0.05
Debt to equity
1.51▲
2024 · 1.42
ROE
-11.3%▲
2024 · -19.1%
ROA
-4.5%▲
2024 · -7.9%
Interest coverage
1.85▲
2024 · -14.96
Debt ≤ 1 year
€184,055▼
2024 · €192,258
Income taxes
€1▲
2024 · €0
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,304 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.6%
went bankrupt
8.6%
stopped otherwise
90%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 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% | 1.6% |
| 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 74% 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 12,304 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €109,258 | €232,571 | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €26,113 | €22,778 | €21,292 | €20,720 | €13,992 | ▼ 32.5% |
| Other operating charges640/8 | €6,342 | €5,129 | €5,375 | €2,303 | €3,605 | ▲ 56.6% |
| Gross operating margin9900 | €18,922 | €118,539 | €226,750 | -€2,605 | €4,023 | ▲ 254% |
| Operating profit (loss)9901 | -€13,532 | €90,632 | €200,083 | -€25,628 | -€13,574 | ▲ 47.0% |
| Financial income75/76B | - | - | - | €6 | €5 | ▼ 22.1% |
| Recurring financial income75 | - | - | - | €6 | €5 | ▼ 22.1% |
| Financial charges65/66B | €838 | €646 | €1,523 | €328 | €226 | ▼ 31.0% |
| Recurring financial charges65 | €838 | €646 | €1,523 | €328 | €226 | ▼ 31.0% |
| Profit (loss) for the period before taxes9903 | -€14,371 | €89,986 | €198,560 | -€25,951 | -€13,796 | ▲ 46.8% |
| Transfer from deferred taxes780 | €255 | €255 | €7,741 | €0 | - | - |
| Income taxes67/77 | €359 | €20,450 | €69,868 | €0 | €1 | - |
| Profit (loss) for the period9904 | -€14,475 | €69,792 | €136,433 | -€25,951 | -€13,797 | ▲ 46.8% |
| Transfer from tax-exempt reserves789 | €766 | €766 | €23,224 | €0 | - | - |
| Profit (loss) for the period to be appropriated9905 | -€13,709 | €70,557 | €159,657 | -€25,951 | -€13,797 | ▲ 46.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €853,147 | €633,397 | €336,819 | €328,967 | €306,967 | ▼ 6.7% |
| Fixed assets21/28 | €799,501 | €619,337 | €332,212 | €319,025 | €305,033 | ▼ 4.4% |
| Tangible fixed assets22/27 | €799,501 | €619,337 | €332,212 | €319,025 | €305,033 | ▼ 4.4% |
| Land and buildings22 | €799,414 | €619,337 | €332,212 | €312,936 | €301,455 | ▼ 3.7% |
| Furniture and vehicles24 | €88 | €0 | - | €6,089 | €3,578 | ▼ 41.2% |
| Current assets29/58 | €53,646 | €14,060 | €4,607 | €9,942 | €1,934 | ▼ 80.5% |
| Amounts receivable within one year40/41 | - | - | - | - | €242 | - |
| Trade receivables40 | - | - | - | - | €242 | - |
| Cash at bank and in hand54/58 | €53,646 | €14,060 | €4,121 | €9,462 | €1,197 | ▼ 87.3% |
| Deferred charges and accrued income490/1 | - | - | €486 | €480 | €496 | ▲ 3.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €853,147 | €633,397 | €336,819 | €328,967 | €306,967 | ▼ 6.7% |
| Equity10/15 | -€44,348 | €25,444 | €161,877 | €135,926 | €122,129 | ▼ 10.2% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €25,848 | €95,583 | €143,277 | €143,277 | €143,277 | = |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €1,859 | €0 | - | - |
| Reserves not available under the articles1311 | €1,859 | €1,859 | €1,859 | €0 | - | - |
| Tax-exempt reserves132 | €23,989 | €23,224 | €0 | - | - | - |
| Distributable reserves133 | - | €70,500 | €141,418 | €143,277 | €143,277 | = |
| Profit (loss) carried forward14 | -€88,796 | -€88,739 | €0 | -€25,951 | -€39,748 | ▼ 53.2% |
| Provisions and deferred taxes16 | €7,996 | €7,741 | €0 | - | - | - |
| Deferred taxes168 | €7,996 | €7,741 | €0 | - | - | - |
| Amounts payable17/49 | €889,498 | €600,212 | €174,942 | €193,041 | €184,838 | ▼ 4.2% |
| Amounts payable after more than one year17 | €8,532 | €5,299 | €1,978 | €0 | - | - |
| Financial debts170/4 | €8,532 | €5,299 | €1,978 | €0 | - | - |
| Amounts payable within one year42/48 | €880,966 | €594,913 | €172,964 | €192,258 | €184,055 | ▼ 4.3% |
| Current portion of amounts payable after more than one year42 | €3,732 | €3,233 | €3,320 | €1,978 | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | €359 | €20,809 | €69,868 | €0 | - | - |
| Taxes450/3 | €359 | €20,809 | €69,868 | €0 | - | - |
| Other amounts payable47/48 | €876,875 | €570,871 | €99,776 | €190,279 | €184,055 | ▼ 3.3% |
| Accrued charges and deferred income492/3 | - | - | - | €783 | €783 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€14,475 | €69,792 | €136,433 | -€25,951 | -€13,797 | ▲ 46.8% |
| + Depreciation and write-downs630 | €26,113 | €22,778 | €21,292 | €20,720 | €13,992 | ▼ 32.5% |
| Operating cash flow (approximation) | €11,638 | €92,570 | €157,725 | -€5,230 | €195 | ▲ 104% |
| Investment in fixed assets (approximation) | - | €157,386 | €265,832 | -€7,533 | €0 | ▲ 100% |
| Change in cash | - | -€39,585 | -€9,939 | €5,341 | -€8,264 | ▼ 255% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Weakest financial yearnet -€25,951
Net result drops to -€25,951, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Highest result since 2018net €136,433 ▲95.5%
Operating result €200,083, net result €136,433, both a record.
31-12
Financial
Equity above €150,000Eq €161,877 ▲536%
2 profitable years in a row build equity to €161,877.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Back to profitnet €69,792
Net result €69,792 after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Back to profitnet €7,031
Net result €7,031 after one loss-making year.
Show earlier events
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Puurs-Sint-Amands · 1 establishment unit since 1985
Ground area
750 m²
Building footprint
176 m²
Volume, LiDAR
992 m³
Parcel 12028B0325/00H000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Schaddekensdries(OPP) 1, 2890 Puurs-Sint-Amands
since 19852.026.412.449
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12028B0325/00H000 | Flanders | 750 m² | 1 · 176 m² | 8.9 m · 2 fl. |
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.
Identification & contact
Identification
Legal formPrivate limited company
Founded21-12-1984
Fiscal year end31-12
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
What can you do?
Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.
If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.