ROZA
ActiveSummary
ROZA has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.0m and a net result of €448,132. Equity is growing by ~20.1% per year across the filed fiscal years. Its solvency ranks better than 45% of 4577 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability86▲+5
Solvency58▲+9
Growth85=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65,000 at 30 days acceptable
Liquidity short (current ratio 0.23 against 0.41 in 2024; short-term debt: 38.3% and cash: 3.2% of total assets), and 66.6% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
33.4%
Return on assets
7.6%
Age of the figures
9 mo
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
1 d early
2024
3 d early
2023
29 d early
2022
3 d early
2021
1 d late
2020
20 d late
2019
206 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 27 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed 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, full schema
In the rankings
#5 company by total assets in Sint-Genesius-Rode, Real estate sector#7 company by equity in Sint-Genesius-Rode, Real estate sector
Turnover
€650,741▲ 8.1%
2024 · €601,726
EBIT margin
68.6%▲ 7.1pp
2024 · 61.5%
Net result
€448,132▲ 211%
2024 · €144,251
Working capital
-€1.7m▼ 14.6%
2024 · -€1.5m
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
Turnover€197,000▼ 29.6%€279,357▲ 41.8%€441,800▲ 58.1%€601,726▲ 36.2%€650,741▲ 8.1%
Operating result€98,858▲ 53.5%€84,019▼ 15.0%€241,718▲ 188%€370,042▲ 53.1%€446,390▲ 20.6%
Net result-€1,874€720,156€49,996▼ 93.1%€144,251▲ 189%€448,132▲ 211%
EBIT margin50.2%▲ 27.2pp30.1%▼ 20.1pp54.7%▲ 24.6pp61.5%▲ 6.8pp68.6%▲ 7.1pp
Equity€594,374▼ 0.3%€1.3m▲ 122%€1.4m▲ 3.8%€1.5m▲ 10.5%€2.0m▲ 29.5%
Total assets€5.2m▲ 42.5%€6.0m▲ 15.4%€6.4m▲ 6.6%€6.3m▼ 1.5%€5.9m▼ 6.9%
Debt€4.6m▲ 51.8%€4.7m▲ 1.8%€5.0m▲ 7.5%€4.8m▼ 4.7%€3.9m▼ 18.6%
Working capital-€1.1m-€1.2m▼ 9.5%-€1.2m▲ 3.5%-€1.5m▼ 29.3%-€1.7m▼ 14.6%
Staff (FTE)0.10.5▲ 400%0▼ 100%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 21% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.9m
Fixed assets
€5.4m ▲ 1.8%
Current assets
€513,945 ▼ 51.0%
Equity and liabilities €5.9m
Equity
€2.0m ▲ 29.5%
Provisions
€42,434 ▼ 4.0%
Debt
€3.9m ▼ 18.6%
Debt's share of the balance-sheet total falls from 75.3% to 65.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€640,295▲
2024 · €570,361
Cash flow
€642,036▲
2024 · €344,570
Current ratio
0.23▼
2024 · 0.41
Debt to equity
1.97▼
2024 · 3.14
ROE
22.8%▲
2024 · 9.5%
ROA
7.6%▲
2024 · 2.3%
Interest coverage
7.90▲
2024 · 6.01
Debt ≤ 1 year
€2.3m▼
2024 · €2.6m
Debt > 1 year
€1.6m▼
2024 · €2.2m
Income taxes
€105,193▲
2024 · €81,552
Staff costs
€0▼
2024 · €2,401
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,792 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 97% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
3.2%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.2% 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 17,792 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 |
|---|---|---|---|---|---|---|
| Operating income70/76A | €470,717 | €640,351 | €835,243 | €1.0m | €1.2m | ▲ 17.9% |
| Turnover70 | €197,000 | €279,357 | €441,800 | €601,726 | €650,741 | ▲ 8.1% |
| Other operating income74 | €273,717 | €360,993 | €393,443 | €399,856 | €527,496 | ▲ 31.9% |
| Non-recurring operating income76A | €0 | - | - | - | €2,853 | - |
| Operating charges60/66A | €371,860 | €556,332 | €593,525 | €631,540 | €734,700 | ▲ 16.3% |
| Goods for resale, raw materials and consumables60 | - | €6,851 | €18,300 | €28,772 | €97,575 | ▲ 239% |
| Purchases600/8 | - | €7,099 | €18,052 | €28,772 | €97,575 | ▲ 239% |
| Change in stocks: decrease (increase)609 | - | -€248 | €248 | €0 | - | - |
| Services and other goods61 | €247,314 | €360,135 | €306,470 | €343,898 | €381,527 | ▲ 10.9% |
| Remuneration, social security and pensions62 | - | €2,498 | €16,639 | €2,401 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €81,845 | €123,504 | €196,980 | €200,319 | €193,905 | ▼ 3.2% |
| Other operating charges640/8 | €42,701 | €63,176 | €55,137 | €56,150 | €61,694 | ▲ 9.9% |
| Non-recurring operating charges66A | - | €169 | €0 | - | - | - |
| Operating profit (loss)9901 | €98,858 | €84,019 | €241,718 | €370,042 | €446,390 | ▲ 20.6% |
| Financial income75/76B | €1 | €922,945 | €15,962 | €17,584 | €239,154 | ▲ 1,260% |
| Recurring financial income75 | €1 | €922,945 | €15,962 | €17,584 | €239,154 | ▲ 1,260% |
| Income from financial fixed assets750 | €1 | €650,000 | €96 | €401 | €29 | ▼ 92.9% |
| Other financial income752/9 | €0 | €272,945 | €15,866 | €17,183 | €239,126 | ▲ 1,292% |
| Financial charges65/66B | €78,555 | €268,339 | €157,187 | €163,592 | €133,989 | ▼ 18.1% |
| Recurring financial charges65 | €78,555 | €268,339 | €157,187 | €163,592 | €133,989 | ▼ 18.1% |
| Debt charges650 | €43,147 | €67,442 | €95,393 | €94,908 | €81,096 | ▼ 14.6% |
| Other financial charges652/9 | €35,409 | €200,897 | €61,794 | €68,685 | €52,892 | ▼ 23.0% |
| Profit (loss) for the period before taxes9903 | €20,303 | €738,625 | €100,493 | €224,034 | €551,556 | ▲ 146% |
| Transfer from deferred taxes780 | €869 | €931 | €1,769 | €1,769 | €1,769 | = |
| Income taxes67/77 | €23,047 | €19,400 | €52,266 | €81,552 | €105,193 | ▲ 29.0% |
| Taxes670/3 | €23,688 | €19,400 | €53,293 | €81,620 | €105,193 | ▲ 28.9% |
| Tax adjustments and reversals of tax provisions77 | €642 | €0 | €1,027 | €68 | €0 | ▼ 100% |
| Profit (loss) for the period9904 | -€1,874 | €720,156 | €49,996 | €144,251 | €448,132 | ▲ 211% |
| Transfer from tax-exempt reserves789 | €2,128 | €2,794 | €5,307 | €5,307 | €5,307 | = |
| Transfer to tax-exempt reserves689 | - | - | - | - | €6,544 | - |
| Profit (loss) for the period to be appropriated9905 | €254 | €722,949 | €55,303 | €149,558 | €446,895 | ▲ 199% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €5.2m | €6.0m | €6.4m | €6.3m | €5.9m | ▼ 6.9% |
| Fixed assets21/28 | €4.0m | €4.8m | €5.2m | €5.3m | €5.4m | ▲ 1.8% |
| Intangible fixed assets21 | €6,260 | €5,008 | €3,756 | €2,504 | €1,252 | ▼ 50.0% |
| Tangible fixed assets22/27 | €1.4m | €4.1m | €4.5m | €4.6m | €4.9m | ▲ 8.1% |
| Land and buildings22 | €1.4m | €4.0m | €4.5m | €4.6m | €4.9m | ▲ 8.1% |
| Plant, machinery and equipment23 | - | €4,943 | €1,222 | €504 | €2,673 | ▲ 431% |
| Furniture and vehicles24 | - | €15,259 | €0 | - | €1,145 | - |
| Other tangible fixed assets26 | €16,363 | €14,297 | €12,232 | €10,166 | €8,101 | ▼ 20.3% |
| Financial fixed assets28 | €2.6m | €695,037 | €695,037 | €695,037 | €423,990 | ▼ 39.0% |
| Affiliated companies280/1 | €2.6m | €695,037 | €695,037 | €695,037 | €422,550 | ▼ 39.2% |
| Participating interests280 | €2.6m | €695,037 | €695,037 | €695,037 | €422,550 | ▼ 39.2% |
| Other financial fixed assets284/8 | - | - | - | - | €1,440 | - |
| Amounts receivable and cash guarantees285/8 | - | - | - | - | €1,440 | - |
| Current assets29/58 | €1.2m | €1.2m | €1.2m | €1.0m | €513,945 | ▼ 51.0% |
| Stocks and contracts in progress3 | €0 | €248 | €0 | €0 | €0 | - |
| Stocks30/36 | - | €248 | €0 | - | - | - |
| Goods purchased for resale34 | - | €248 | €0 | - | - | - |
| Amounts receivable within one year40/41 | €621,594 | €685,016 | €698,108 | €722,738 | €292,478 | ▼ 59.5% |
| Trade receivables40 | €47,000 | €76,283 | €36,017 | €9,813 | €152,439 | ▲ 1,453% |
| Other amounts receivable41 | €574,594 | €608,733 | €662,091 | €712,925 | €140,040 | ▼ 80.4% |
| Cash at bank and in hand54/58 | €575,374 | €558,202 | €480,041 | €289,654 | €186,906 | ▼ 35.5% |
| Deferred charges and accrued income490/1 | €1,418 | €5,374 | €35,053 | €35,964 | €34,561 | ▼ 3.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €5.2m | €6.0m | €6.4m | €6.3m | €5.9m | ▼ 6.9% |
| Equity10/15 | €594,374 | €1.3m | €1.4m | €1.5m | €2.0m | ▲ 29.5% |
| Contributions10/11 | €435,269 | €435,269 | €435,269 | €435,269 | €435,269 | = |
| Reserves13 | €145,828 | €150,822 | €145,514 | €140,207 | €1.5m | ▲ 991% |
| Non-distributable reserves130/1 | €7,598 | €0 | - | - | - | - |
| Reserves not available under the articles1311 | €7,598 | €0 | - | - | - | - |
| Tax-exempt reserves132 | €138,230 | €143,224 | €137,917 | €132,610 | €133,847 | ▲ 0.9% |
| Distributable reserves133 | - | €7,598 | €7,598 | €7,598 | €1.4m | ▲ 18,268% |
| Profit (loss) carried forward14 | €13,277 | €736,227 | €791,529 | €941,087 | €0 | ▼ 100% |
| Provisions and deferred taxes16 | €56,460 | €47,741 | €45,972 | €44,203 | €42,434 | ▼ 4.0% |
| Deferred taxes168 | €56,460 | €47,741 | €45,972 | €44,203 | €42,434 | ▼ 4.0% |
| Amounts payable17/49 | €4.6m | €4.7m | €5.0m | €4.8m | €3.9m | ▼ 18.6% |
| Amounts payable after more than one year17 | €2.3m | €2.2m | €2.6m | €2.2m | €1.6m | ▼ 26.1% |
| Financial debts170/4 | €2.3m | €2.2m | €2.6m | €2.2m | €1.6m | ▼ 26.1% |
| Credit institutions173 | €2.3m | €2.2m | €2.6m | €2.2m | €1.6m | ▼ 26.1% |
| Amounts payable within one year42/48 | €2.3m | €2.5m | €2.4m | €2.6m | €2.3m | ▼ 12.2% |
| Current portion of amounts payable after more than one year42 | €427,605 | €452,588 | €535,852 | €575,642 | €587,409 | ▲ 2.0% |
| Financial debts43 | €650,000 | €269,182 | €6,765 | €37,655 | €37,703 | ▲ 0.1% |
| Credit institutions430/8 | €650,000 | €269,182 | €6,765 | €37,655 | €37,703 | ▲ 0.1% |
| Trade debts44 | €4,249 | €600,946 | €46,258 | €57,715 | €473,276 | ▲ 720% |
| Suppliers440/4 | €4,249 | €600,946 | €46,258 | €57,715 | €473,276 | ▲ 720% |
| Advances received on contracts in progress46 | - | €588 | €0 | - | - | - |
| Taxes, remuneration and social security45 | €33,878 | €13,748 | €7,216 | €3,460 | €22,206 | ▲ 542% |
| Taxes450/3 | €33,878 | €12,360 | €4,505 | €3,460 | €22,206 | ▲ 542% |
| Remuneration and social security454/9 | - | €1,388 | €2,712 | €0 | - | - |
| Other amounts payable47/48 | €1.2m | €1.1m | €1.8m | €1.9m | €1.1m | ▼ 40.1% |
| Accrued charges and deferred income492/3 | - | €8,512 | €5,202 | €3,397 | €4,025 | ▲ 18.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€1,874 | €720,156 | €49,996 | €144,251 | €448,132 | ▲ 211% |
| + Depreciation and write-downs630 | €81,845 | €123,504 | €196,980 | €200,319 | €193,905 | ▼ 3.2% |
| Operating cash flow (approximation) | €79,971 | €843,660 | €246,975 | €344,570 | €642,036 | ▲ 86.3% |
| Investment in fixed assets (approximation) | - | -€874,929 | -€629,673 | -€271,482 | -€290,683 | ▼ 7.1% |
| Change in cash | - | -€17,173 | -€78,161 | -€190,387 | -€102,748 | ▲ 46.0% |
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
23-01
State Gazette act
General meeting · Auditor reappointment
Merger · Accounting effect
23-01
State Gazette act
Merger · Accounting effect
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €720,156
Net result €720,156 after one loss-making year.
31-12
Financial
Equity above €1mEq €1.3m ▲122%
Equity rises from €594,374 to €1.3m.
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 1 day late
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 20 days late
22-02
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 206 days late
2020
31-12
Financial
Back to profitnet €20
Net result €20 after one loss-making year.
Show earlier events
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 2 days late
2019
31-12
Financial
Weakest financial yearnet -€6,560
Net result drops to -€6,560, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
02-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 2 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 13 acts read
About the unread acts
We know of 13 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
13 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, Sint-Genesius-Rode · 1 establishment unit since 2011
Ground area
1,010 m²
Building footprint
184 m²
Volume, LiDAR
1,008 m³
Parcel 22004A0041/00B011, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
ROZA
since 20112.205.825.728
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22004A0041/00B011 | Flanders | 1,009 m² | 1 · 184 m² | 8.5 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.
Structure & network
Owners and holdings
1 holding · 2 subsidiaries in the treeOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
100%
Stated earlier (1)
An older source named these holdings; newer accounts no longer list them.
-
100%
All subsidiaries, including indirect ones 2
Companies in which this company or one of its subsidiaries holds more than half, or which it consolidates according to the LEI register.
CARRECT 100%1 subsidiary
- CARRECT RETAIL 100%
According to the 2025 annual accounts of ROZA and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 7,326 companies in sector 68110 we hold annual accounts for 5,384. 2,682 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded05-12-2011
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
68110Buying and selling of own real estate
64210Activities of holding companies
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0841531616
Also
9925:BE0841531616
Registered
23-06-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.