ROXMA
ActiveSummary
ROXMA has been active since 2008 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €184,721 and a net result of -€1,344. Equity has been growing by about 3.1% per year since 2018. Its solvency ranks better than 95% of 22,773 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 21-10-2008 Normal situation
- Activity
- Non-specialised retail sale with food, beverages or tobacco predominating NACE 47110and 4 others
- Establishment unit
- 2.173.931.336 4800 Verviers, since 21-10-2008
- Financial year end
- 31 December
- Peppol
- Reachable since 13-10-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.1%
- Gross margin
- €936
- ▼ 97.6%
- Turnover
- ≈ €28,000
- estimated
- Loss
- €1,344
- Equity
- €184,721
- ▲ 0.3%
- Total assets
- €184,917
- ▼ 1.7%
- 2025 accounts filed 31 days after the deadline
Score breakdownraises riskLast filed accounts filed 31 days late; 2 of the last 3 accounts latelowers riskLiquidity: current ratio 937.41, cash €176,819Equity €184,721 (99.9% of total assets)Founded in 2008Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 92% of them on solvency, 99% on liquidity, 21% on profitability and 40% on growth.
The bankruptcy probability was computed on 02-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 38 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 31 days after the deadline Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00461115.
Annual accounts 2025 filed on 31-08-2026 at the NBB all 17 filings
Every figure per financial year
The operating result for 2025 is a loss of €2,676, after a profit of €2,813 in 2024. It is the lowest result since 2021.
Staff
| Item | 31-12-2021 | 31-12-2022 | 31-12-2023 | 31-12-2024 |
|---|---|---|---|---|
| Employees at the balance-sheet date | 2 | 2 | 2 | - |
| full-time | 0 | 0 | 0 | - |
| part-time | 2 | 2 | 2 | - |
| in full-time equivalents | 1.2 | 1.2 | 1.5 | - |
| Average over the year, in full-time equivalents | 1.2 | 1.5 | 1.4 | - |
| On a permanent contract | 2 | 1 | - | - |
| Joined | - | 2 | 1 | 0 |
| Left | - | 2 | 1 | 1 |
Source: social balance sheet in the 2021 to 2024 annual accounts
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Financial fixed assets | - | €100 | €100 | €50 | €0 |
| Depreciation and write-downs of the year | €6,248 | €6,248 | €6,248 | €6,248 | €2,532 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Turnover70 | - | €0 | - | - | - | - | - | - | - |
| Remuneration, social security and pensions62 | - | - | - | €37,145 | €39,650 | €45,506 | €28,429 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,928 | €4,928 | €3,716 | €6,248 | €6,248 | €6,248 | €6,248 | €2,532 | ▼ 59.5% |
| Other operating charges640/8 | - | - | - | €2,140 | €1,563 | €1,750 | €1,590 | €1,080 | ▼ 32.1% |
| Non-recurring operating charges66A | - | - | - | €7,197 | €0 | - | - | - | - |
| Gross operating margin9900 | €70,984 | €66,809 | €82,392 | €72,509 | €86,311 | €80,368 | €39,081 | €936 | ▼ 97.6% |
| Operating profit (loss)9901 | €11,544 | €4,525 | €37,499 | €19,780 | €38,850 | €26,864 | €2,813 | -€2,676 | - |
| Financial income75/76B | - | - | - | €361 | €54 | €7 | €455 | €2,922 | ▲ 543% |
| Recurring financial income75 | €8 | €4 | €13 | €361 | €54 | €7 | €455 | €2,922 | ▲ 543% |
| Financial charges65/66B | - | - | - | €776 | €1,944 | €948 | €1,342 | €534 | ▼ 60.2% |
| Recurring financial charges65 | €2,120 | €448 | €568 | €776 | €1,944 | €948 | €1,342 | €534 | ▼ 60.2% |
| Profit (loss) for the period before taxes9903 | €9,431 | €4,081 | €36,943 | €19,364 | €36,960 | €25,923 | €1,926 | -€289 | - |
| Income taxes67/77 | €3,039 | €1,373 | €8,940 | €5,837 | €11,472 | €6,255 | €1,438 | €1,055 | ▼ 26.6% |
| Profit (loss) for the period9904 | €6,392 | €2,708 | €28,003 | €13,527 | €25,487 | €19,668 | €489 | -€1,344 | - |
| Profit (loss) for the period to be appropriated9905 | €6,392 | €2,708 | €28,003 | €13,527 | €25,487 | €19,668 | €489 | -€1,344 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €212,273 | €216,117 | €253,650 | €219,716 | €220,467 | €223,081 | €188,049 | €184,917 | ▼ 1.7% |
| Fixed assets21/28 | €5,598 | €670 | €28,243 | €46,996 | €40,848 | €34,700 | €3,502 | €970 | ▼ 72.3% |
| Tangible fixed assets22/27 | €4,928 | €0 | €27,523 | €21,276 | €15,028 | €8,780 | €2,532 | €0 | ▼ 100% |
| Furniture and vehicles24 | - | - | - | €21,276 | €15,028 | €8,780 | €2,532 | €0 | ▼ 100% |
| Financial fixed assets28 | €670 | €670 | €720 | €25,720 | €25,820 | €25,920 | €970 | €970 | = |
| Current assets29/58 | €206,675 | €215,447 | €225,407 | €172,720 | €179,620 | €188,381 | €184,547 | €183,947 | ▼ 0.3% |
| Stocks and contracts in progress3 | €36,136 | €34,513 | €33,148 | €40,487 | €55,629 | €53,803 | €0 | - | - |
| Stocks30/36 | - | - | - | €40,487 | €55,629 | €53,803 | €0 | - | - |
| Amounts receivable within one year40/41 | €15,134 | €17,996 | €9,687 | €36,044 | €33,780 | €26,430 | €4,071 | €5,632 | ▲ 38.4% |
| Trade receivables40 | - | - | - | €30,822 | €27,112 | €23,658 | €692 | €591 | ▼ 14.6% |
| Other amounts receivable41 | - | - | - | €5,222 | €6,668 | €2,772 | €3,379 | €5,042 | ▲ 49.2% |
| Current investments50/53 | - | - | - | - | - | - | €150,000 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €143,244 | €153,658 | €173,758 | €94,684 | €87,780 | €106,528 | €29,029 | €176,819 | ▲ 509% |
| Deferred charges and accrued income490/1 | - | - | - | €1,505 | €2,430 | €1,619 | €1,447 | €1,496 | ▲ 3.4% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €212,273 | €216,117 | €253,650 | €219,716 | €220,467 | €223,081 | €188,049 | €184,917 | ▼ 1.7% |
| Equity10/15 | €150,283 | €152,991 | €180,994 | €140,421 | €165,908 | €185,576 | €184,205 | €184,721 | ▲ 0.3% |
| Contributions10/11 | €10,000 | €10,000 | - | €10,000 | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Reserves13 | €140,283 | €142,991 | €170,994 | €130,421 | €155,908 | €175,576 | €174,205 | €176,065 | ▲ 1.1% |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €0 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €0 | - | - | - | - |
| Distributable reserves133 | - | - | - | €128,561 | €155,908 | €175,576 | €174,205 | €176,065 | ▲ 1.1% |
| Profit (loss) carried forward14 | - | - | - | €0 | €0 | - | - | -€1,344 | - |
| Amounts payable17/49 | €61,990 | €63,127 | €72,656 | €79,295 | €54,559 | €37,505 | €3,844 | €196 | ▼ 94.9% |
| Amounts payable after more than one year17 | €0 | - | €9,416 | €5,539 | €1,635 | €0 | - | - | - |
| Financial debts170/4 | - | - | - | €5,539 | €1,635 | €0 | - | - | - |
| Amounts payable within one year42/48 | €61,801 | €63,119 | €63,241 | €73,757 | €52,925 | €37,505 | €3,844 | €196 | ▼ 94.9% |
| Current portion of amounts payable after more than one year42 | - | - | - | €6,421 | €6,447 | €3,562 | €0 | - | - |
| Financial debts43 | - | - | - | €0 | - | - | - | - | - |
| Other loans439 | - | - | - | €0 | - | - | - | - | - |
| Trade debts44 | €15,597 | €21,094 | €20,464 | €59,105 | €36,074 | €27,040 | €1,943 | €196 | ▼ 89.9% |
| Suppliers440/4 | - | - | - | €59,105 | €36,074 | €27,040 | €1,943 | €196 | ▼ 89.9% |
| Taxes, remuneration and social security45 | - | - | - | €8,231 | €10,404 | €6,902 | €42 | €0 | ▼ 100% |
| Taxes450/3 | - | - | - | €1,943 | €4,514 | €1,177 | €42 | €0 | ▼ 100% |
| Remuneration and social security454/9 | - | - | - | €6,287 | €5,890 | €5,725 | €0 | - | - |
| Other amounts payable47/48 | - | - | - | €0 | - | - | €1,860 | €0 | ▼ 100% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6,392 | €2,708 | €28,003 | €13,527 | €25,487 | €19,668 | €489 | -€1,344 | - |
| + Depreciation and write-downs630 | €4,928 | €4,928 | €3,716 | €6,248 | €6,248 | €6,248 | €6,248 | €2,532 | ▼ 59.5% |
| Operating cash flow (approximation) | €11,320 | €7,636 | €31,719 | €19,774 | €31,735 | €25,916 | €6,737 | €1,188 | ▼ 82.4% |
| Investment in fixed assets (approximation) | - | €0 | -€31,290 | -€25,000 | -€100 | -€100 | €24,950 | €0 | ▼ 100% |
| Change in cash | - | €10,415 | €20,100 | -€79,074 | -€6,904 | €18,748 | -€77,499 | €147,790 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 6,908 companies had the same profile as ROXMA has now. Two years later, 90.9% were still going and 1.1% had gone bankrupt.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a small loss
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of ROXMA itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,908 companies, not a prediction for ROXMA. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Latest 10 of 17 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 31-08-2026 | 2026-00461115 | |
| 31-12-2024 | micro format | 29-08-2025 | 2025-00458449 | |
| 31-12-2023 | micro format | 31-08-2024 | 2024-00429440 | |
| 31-12-2022 | micro format | 25-08-2023 | 2023-00353110 | |
| 31-12-2021 | micro format | 26-08-2022 | 2022-20330705 | |
| 31-12-2020 | micro format | 30-08-2021 | 2021-59900105 | |
| 31-12-2019 | micro format | 30-10-2020 | 2020-67000520 | |
| 31-12-2018 | micro format | 23-08-2019 | 2019-49700427 | |
| 31-12-2017 | micro format | 30-08-2018 | 2018-58200079 | |
| 31-12-2016 | micro format | 23-06-2017 | 2017-21300549 |
Board & ownership
Directors
Owners and capital
Capital transactions
- 20-09-2022 Converted to unavailable equity
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Martine ROX |
|
Articles of association
Board and representation
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Organe d’administration, 14”
Capital, shares and profit
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “11, libre de céder tout ou partie librement si société ne compte plus qu’un actionnaire”
Audit, dissolution and liquidation
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Administrateurs en fonction désignés liquidateurs si aucun autre désigné, 28”
Articles of association, deed of 20-09-2022 (in French)
Network & group
ROXMA shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of ROXMA. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
20-09
Gazette deed
Change of role: Martine ROX, from manager to directorCapital conversion · Amendment of the articles · Capital10 points ▸
- General meeting, 06-09-2022
- Other provision, “unanimité, adaptation statuts et conservation forme légale” (deed in French)
- Capital conversion, “compte de capitaux propres statutairement indisponible” (deed in French)
- Other provision, “unanimité, limitation compte de capitaux propres statutairement indisponible” (deed in French)
- Amendment of the articles
- Capital
- Director resignation, Martine ROX (manager)
- Director appointment, Martine ROX (director (not named in the articles))
- Director discharge, Martine ROX (gérant démissionnaire)
- Registered office clause, “4800 Verviers,rue des Sorbiers 5, assemblée générale” (deed in French)
Show earlier events
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
6 activities
- Le commerce de carburants et lubrifiants et tous produits,accessoires et services afférents à l'automobile ou autres véhicules et d'une façon générale afférents à la station-service
- L'exploitation d'un shop-service,et notamment le commerce de tous articles de confiserie,bières,limonades,eaux alimentaires,glaces de consommation,produits alimentaires,produits frais alimentaires,vins,alcool et apéritifs,cigares,cigarettes,tabacs et tous articles pour fumeurs,tous articles de librairie,journaux et revues,cartes-postales,piles,le commerce de tout produit de loterie,lotto,....
- L'activité de car-wash et de lavage de véhicule
- Le commerce de détail de parfumerie et de produits de beauté
- Le commerce de détail de pain et de pâtisserie(dépôt)
- Le commerce de détail en magasin non spécialisé de produits surgelés
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the addresses
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 63576D0002/00C004 | Wallonia | 1,279 m² | 1 · 196 m² | 9.8 m · 3 |
| 63576A0171/00Y004 | Wallonia | 748 m² | 1 · 108 m² | 7.2 m · 2 |