ROXMA
ActiveROXMA has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €185k and a net result of €-1k. Equity is growing by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 18016 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-1
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
balance sheet total too small for a liquidity verdict, and 0.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
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
29 d late
2023
31 d late
2022
25 d late
2021
26 d late
2020
30 d late
2019
91 d late
← 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
Turnover
€0
Total assets
€185k▼ 1.7%
2024 · €188k
2018: €212k
2019: €216k
2020: €254k
2021: €220k
2022: €220k
2023: €223k
2024: €188k
2018 → 2025
Net result
€-1k
2024 · €489
2018: €6k
2019: €3k
2020: €28k
2021: €14k
2022: €25k
2023: €20k
2024: €489
2018 → 2025
Working capital
€184k▲ 1.7%
2024 · €181k
2018: €145k
2019: €152k
2020: €162k
2021: €99k
2022: €127k
2023: €151k
2024: €181k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€140k-€166k▲ 18.2%€186k▲ 11.9%€184k▼ 0.7%€185k▲ 0.3%
Operating result€20k-€39k▲ 96.4%€27k▼ 30.9%€3k▼ 89.5%€-3k
Net result€14k-€25k▲ 88.4%€20k▼ 22.8%€489▼ 97.5%€-1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €3k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €185k
Fixed assets
€970▼ 72.3%
Current assets
€184k▼ 0.3%
Equity and liabilities €185k
Equity
€185k▲ 0.3%
Debt
€196▼ 94.9%
The debt ratio falls from 2.0% to 0.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€-144▼
2024 · €9k
Cash flow
€1k▼
2024 · €7k
Solvency
99.9%▲
2024 · 98.0%
Debt / equity
0.00▼
2024 · 0.02
ROE
-0.7%▼
2024 · 0.3%
ROA
-0.7%▼
2024 · 0.3%
Interest coverage
-0.27▼
2024 · 6.75
Debt
€196▼
2024 · €4k
Debt ≤ 1 year
€196▼
2024 · €4k
Income taxes
€1k▼
2024 · €1k
Staff costs
€0▼
2024 · €28k
A ratio outside any meaningful range has been withheld (balance sheet total €185k, equity €185k).
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€188k€185k▼
Fixed assets21/28€4k€970▼
Tangible fixed assets22/27€3k€0▼
Furniture and vehicles24€3k€0▼
Financial fixed assets28€970€970=
Current assets29/58€185k€184k▼
Stocks and contracts in progress3€0-
Stocks30/36€0-
Amounts receivable within one year40/41€4k€6k▲
Trade receivables40€692€591▼
Other amounts receivable41€3k€5k▲
Current investments50/53€150k€0▼
Cash at bank and in hand54/58€29k€177k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€188k€185k▼
Equity10/15€184k€185k▲
Contributions10/11€10k€10k=
Reserves13€174k€176k▲
Distributable reserves133€174k€176k▲
Profit (loss) carried forward14-€-1k
Amounts payable17/49€4k€196▼
Amounts payable within one year42/48€4k€196▼
Current portion of amounts payable after more than one year42€0-
Trade debts44€2k€196▼
Suppliers440/4€2k€196▼
Taxes, remuneration and social security45€42€0▼
Taxes450/3€42€0▼
Remuneration and social security454/9€0-
Other amounts payable47/48€2k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€28k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€3k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€39k€936▼
Operating profit (loss)9901€3k€-3k▼
Financial income75/76B€455€3k▲
Recurring financial income75€455€3k▲
Financial charges65/66B€1k€534▼
Recurring financial charges65€1k€534▼
Profit (loss) for the period before taxes9903€2k€-289▼
Income taxes67/77€1k€1k▼
Profit (loss) for the period9904€489€-1k▼
Profit (loss) for the period to be appropriated9905€489€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€489€-1k▼
Transfer to equity691/2€489€0▼
To other reserves6921€489€0▼
The notes to these accounts (14 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-1k ▼375%
Net result drops to €-1k, the lowest in the series.
31-12
Financial
Liquidity times 20current ratio 937.41
Current ratio from 48.01 to 937.41; short-term debt falls from €4k to €196.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Liquidity times 10current ratio 48.01
Current ratio from 5.02 to 48.01; short-term debt falls from €38k to €4k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Equity above €150kEq €166k ▲18.2%
5 profitable years in a row build equity to €166k.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Highest result since 2018net €28k ▲934%
Net result €28k, the highest in the series.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Verviers · 1 establishment unit since 2008
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 des Sorbiers 54800 VerviersGround area
2,028 m²
Building footprint
304 m²
Volume, LiDAR
2,055 m³
2 parcels, Wallonia · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Bouquette 51, 4800 Verviers
since 20082.173.931.336
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63576D0002/00C004 | Wallonia | 1,279 m² | 1 · 196 m² | 9.8 m · 3 fl. |
| 63576A0171/00Y004 | Wallonia | 748 m² | 1 · 108 m² | 7.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
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BE 0876.609.289
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Noordzand Markt
BE 0425.782.983
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GLACOTT
BE 0406.783.950
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DFP Winge
BE 0548.671.095
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NIGHT CONCEPT
BE 0533.840.983
Genk · Eq €184k
Of 10,409 companies in sector 47110 we hold annual accounts for 5,787. 4,256 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-10-2008
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47241Retail sale of bread and pastry (bakery outlets)
47252Retail sale of beverages, general range
47620Retail trade
47621Retail sale of newspapers and periodicals
47750Retail sale of cosmetics and toilet articles
Sources
Crossroads Bank for EnterprisesNational Bank · 17 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.