Equity
€2.0m from €3.8m in 2017
Equity fell by 49% in 8 years.
ROZA
Lifetime
14 annual accounts with figures on one time axispeak €650,741 (2025)
€650,741▲ 8.1%
lowest -€6,560 (2019)
€448,132▲ 211%
peak €3.8m (2017)
€2.0m▲ 29.5%
€3.9m▼ 18.6%
peak 0.5 FTE (2023)
-not published
Board8 names since 2011
5 directorsZAHR Gabriel Rommel and 4 others
Owners
consolidatesCARRECT
Documentsfilings and deeds
30-07-20261 day before the deadline
2025financial year
Result from €144,251 to €448,132Merger: ROZA takes over GARAGE VAN CAMPENHOUT 19-08Merger proposal: ROZA takes over GARAGE VAN CAMPENHOUT 20-06Purpose change · Amendment of the articles · Legal-form change 07-04Equity from €1.5m to €2.0mDebts from €4.8m to €3.9m
Key points
from the 2025 annual accountsResult
€448,132 ▲ 211%
The result rose in 2025: merger with GARAGE VAN CAMPENHOUT.
Growth
4 years
4 years of growth in a row. Turnover 2025: €650,741.
Investments
€1.8m 9.3 × depreciation
Green is investment, beige is depreciation. Machinery stands 430.8% higher than in 2024.
Payment terms
361 days to suppliers
ROZA pays its suppliers 304 days later than in 2024. Customers pay 80 days later.
Position in the sector
€448,132
Higher net result than 84% of companies in real estate. Sector median €20,526 · 5,817 companies.
Checked score
95
Excellent
Financially stronger than 64% of small companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 6,997 companies (NACE 68, small).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.2%▲ +0.1 percentage points vs 05-2025
07-2025: 0.3%▲ +0.1 percentage points vs 06-2025highest value
08-2025: 0.1%▼ -0.2 percentage points vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026lowest value
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 0.23, cash €186,906
lowers risk
Size: turnover €650,741, total assets €5.9m
Figures for financial year 2025 (filed on 30-07-2026)
Sector: Real estate activities (NACE 68)
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 68, small). It does better than 54% of them on solvency, 30% on liquidity, 94% on profitability and 77% on growth.
The bankruptcy probability was computed on 07-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 17,811 companies had the same profile as ROZA has now. Each dot stands for 45 companies, two years later.
96.5%
were still trading
3.2%
stopped another way
0.3%
went bankrupt
That fits the bankruptcy probability of ROZA itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 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 17,811 companies, not a prediction for ROZA. 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.
Credit verdict
Credit of up to €65,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.23 (0.41 in 2024), below 1. Short-term debt is 38.3% and cash 3.2% of total assets. 66.6% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 day early
2024
3 days early
2023
29 days early
2022
3 days early
2021
1 day late
2020
20 days late
2019
206 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 27 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 28 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- Carrect NV consolidatesscore 66equity €1.1m (2025) · annual accounts 2025
Recent changes
Merger: ROZA takes over GARAGE VAN CAMPENHOUT
Resignations: ROZA, ZAHR Rommel and ZAHR Micheline Gabriel · The company holds all the shares of GARAGE VAN CAMPENHOUT · Director discharge: ROZA · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0841531616
Merger proposal: ROZA takes over GARAGE VAN CAMPENHOUT
Permanent representative: Gabriel ZAHR · Gazette deed
Purpose change · Amendment of the articles · Legal-form change
“Holdings-,financierings- en beleggingsactiviteiten; Management- en bestuursactiviteiten; Onroerend goed…” (deed in Dutch) · General meeting of 17-03-2025 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ROZA Sint-Genesius-Rode | €0.7m | 68.6% | 33.4% | - |
| JUFI Hoegaarden | €0.9m | 72.0% | 57.0% | - |
| WYCIMMO Wetteren | €1.1m | 54.5% | 99.2% | - |
| DTO Immobilier Liège | €0.5m | 80.9% | 54.4% | - |
| Ghent Seaport Logistics Ghent | €0.7m | 43.9% | 47.7% | - |
| STEPPE AT HOME Lasne | €0.4m | 46.9% | -2.1% | - |
| VAN HUELE INVEST Ostend | €1.5m | 7.4% | 14.5% | 3 |
Grey: the largest companies of the sector (real estate (NACE 68)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as ROZA: buying and selling of own real estate (NACE 68110). They are comparable in size and age: total assets between €4m and €8m, founded between 2009 and 2015.
Official details
Source: KBO- Status
- Active since 05-12-2011Normal situation
- Activity
- Buying and selling of own real estateNACE 68110and 3 others
- Joint committee
- 200Auxiliary committee for white-collar workers · annual accounts 2025
- Establishment unit
- 2.205.825.7281640 Sint-Genesius-Rode, since 01-12-2011
- Financial year end
- 31 December
- Peppol
- Reachable since 23-06-2025
Annual accounts 2025
- €5.9m▼ 6.9%
- Filing
- Filed on 30-07-2026, 1 day before the end of the filing period
Insights on ROZA
ROZA has existed since 2011. In 2020 turnover rose from €75,000 to €280,000.
Turnover has grown every year since 2021. Solvency rose in 2025 from 24.0% to 33.4% because of the retained profit and lower debts.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about ROZA
- What is the company number of ROZA?
- The company number of ROZA is 0841.531.616. The VAT number is the same number with BE in front: BE 0841.531.616.
- Where is ROZA based?
- The registered office is at Dallaan 38, 1640 Sint-Genesius-Rode.Company details
- What does ROZA do?
- According to the KBO register, the main activity is buying and selling of own real estate (NACE 68110).
- What is the legal form of ROZA?
- ROZA is a private limited company (BV).
- When was ROZA founded?
- ROZA was founded on 05-12-2011.
- Is ROZA still active?
- Yes, ROZA is an active enterprise in the KBO register.
- How many employees does ROZA have?
- ROZA had an average of 0.5 full-time equivalents in financial year 2023, according to the filed annual accounts.Financials
- Which joint committee does ROZA fall under?
- In its 2025 annual accounts, ROZA states joint committee 200 (Auxiliary committee for white-collar workers).
- What is the turnover of ROZA?
- The turnover of ROZA was €650,741 in financial year 2025, according to the filed annual accounts.
- Is ROZA profitable?
- In financial year 2025, ROZA made a profit of €448,132.
- Where can I find the annual accounts of ROZA?
- ROZA filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of ROZA due?
- ROZA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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