S. Roggen
ActiveSummary
S. Roggen has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €155k and a net result of €24k. Equity is growing by ~15.8% per year across the filed fiscal years. Its solvency ranks better than 51% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability78▲+1
Solvency73▲+5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 4.28 against 3.56 in 2024; short-term debt: 11.7% and cash: 44.8% of total assets), but 51.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more 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
48.1%
Return on assets
7.5%
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 15-07-2026, 16 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
16 d early
2024
3 d early
2023
on the day
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€155k▲ 17.7%
2024 · €132k
2023: €113klowest in 3 years
2024: €132k▲ +16.1% vs 2023
2025: €155k▲ +17.7% vs 2024highest in 3 years
2023 → 2025
Total assets
€322k▲ 5.3%
2024 · €306k
2023: €313k
2024: €306k▼ -2.2% vs 2023lowest in 3 years
2025: €322k▲ +5.3% vs 2024highest in 3 years
2023 → 2025
Net result
€24k▲ 26.2%
2024 · €19k
2023: €71khighest in 3 years
2024: €19k▼ -73.0% vs 2023lowest in 3 years
2025: €24k▲ +26.2% vs 2024
2023 → 2025
Working capital
€123k▲ 26.0%
2024 · €98k
2023: €84klowest in 3 years
2024: €98k▲ +16.8% vs 2023
2025: €123k▲ +26.0% vs 2024highest in 3 years
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€113k-€132k▲ 16.1%€155k▲ 17.7%
2023: €113klowest in 3 years
2024: €132k▲ +16.1% vs 2023
2025: €155k▲ +17.7% vs 2024highest in 3 years
Operating result€99k-€29k▼ 71.0%€36k▲ 24.3%
2023: €99khighest in 3 years
2024: €29k▼ -71.0% vs 2023lowest in 3 years
2025: €36k▲ +24.3% vs 2024
Net result€71k-€19k▼ 73.0%€24k▲ 26.2%
2023: €71khighest in 3 years
2024: €19k▼ -73.0% vs 2023lowest in 3 years
2025: €24k▲ +26.2% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 24% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €322k
Fixed assets
€161k ▼ 5.1%
Current assets
€161k ▲ 18.2%
Equity and liabilities €322k
Equity
€155k ▲ 17.7%
Debt
€167k ▼ 4.1%
Debt's share of the balance-sheet total falls from 57.0% to 51.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€44k▲
2024 · €37k
Cash flow
€33k▲
2024 · €27k
Current ratio
4.28▲
2024 · 3.56
Quick ratio
3.98▲
2024 · 3.16
Debt to equity
1.08▼
2024 · 1.32
ROE
15.6%▲
2024 · 14.5%
ROA
7.5%▲
2024 · 6.2%
Interest coverage
16.24▲
2024 · 12.80
Debt ≤ 1 year
€38k▼
2024 · €38k
Debt > 1 year
€129k▼
2024 · €136k
Income taxes
€9k▲
2024 · €7k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€306k€322k▲
Fixed assets21/28€170k€161k▼
Tangible fixed assets22/27€170k€161k▼
Land and buildings22€164k€158k▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€1k€659▼
Current assets29/58€136k€161k▲
Stocks and contracts in progress3€15k€11k▼
Stocks30/36€15k€11k▼
Amounts receivable within one year40/41€4k€5k▲
Trade receivables40€635€2k▲
Other amounts receivable41€3k€3k▼
Cash at bank and in hand54/58€115k€144k▲
Deferred charges and accrued income490/1€2k€597▼
Equity and liabilities
Total equity and liabilities10/49€306k€322k▲
Equity10/15€132k€155k▲
Contributions10/11€6k€6k=
Reserves13€90k€114k▲
Distributable reserves133€90k€114k▲
Profit (loss) carried forward14€35k€34k▼
Amounts payable17/49€174k€167k▼
Amounts payable after more than one year17€136k€129k▼
Financial debts170/4€136k€129k▼
Amounts payable within one year42/48€38k€38k▼
Current portion of amounts payable after more than one year42€6k€7k▲
Trade debts44€24k€17k▼
Suppliers440/4€24k€17k▼
Advances received on contracts in progress46€2k€9k▲
Taxes, remuneration and social security45€4k€3k▼
Taxes450/3€4k€3k▼
Other amounts payable47/48€1k€2k▲
Accrued charges and deferred income492/3-€139
Income statement
Code20242025
Non-recurring operating income76A€2k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Other operating charges640/8€615€1k▲
Gross operating margin9900€37k€46k▲
Operating profit (loss)9901€29k€36k▲
Financial income75/76B€339€320▼
Recurring financial income75€339€320▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€26k€33k▲
Income taxes67/77€7k€9k▲
Profit (loss) for the period9904€19k€24k▲
Profit (loss) for the period to be appropriated9905€19k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€55k€59k▲
Profit (loss) brought forward from the previous period14P€36k€35k▼
Transfer to equity691/2€19k€24k▲
To other reserves6921€19k€24k▲
Profit to be distributed694/7€859€833▼
Return on contributions (dividend)694€859€833▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Non-recurring operating income76A | - | €2k | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €8k | €9k | ▲ 8.8% |
| Other operating charges640/8 | €2k | €615 | €1k | ▲ 125% |
| Gross operating margin9900 | €106k | €37k | €46k | ▲ 22.7% |
| Operating profit (loss)9901 | €99k | €29k | €36k | ▲ 24.3% |
| Financial income75/76B | €726 | €339 | €320 | ▼ 5.6% |
| Recurring financial income75 | €726 | €339 | €320 | ▼ 5.6% |
| Financial charges65/66B | €6k | €3k | €3k | ▼ 4.6% |
| Recurring financial charges65 | €6k | €3k | €3k | ▼ 4.6% |
| Profit (loss) for the period before taxes9903 | €94k | €26k | €33k | ▲ 27.1% |
| Income taxes67/77 | €23k | €7k | €9k | ▲ 29.5% |
| Profit (loss) for the period9904 | €71k | €19k | €24k | ▲ 26.2% |
| Profit (loss) for the period to be appropriated9905 | €71k | €19k | €24k | ▲ 26.2% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €313k | €306k | €322k | ▲ 5.3% |
| Fixed assets21/28 | €172k | €170k | €161k | ▼ 5.1% |
| Tangible fixed assets22/27 | €172k | €170k | €161k | ▼ 5.1% |
| Land and buildings22 | €169k | €164k | €158k | ▼ 3.7% |
| Plant, machinery and equipment23 | €3k | €4k | €2k | ▼ 43.5% |
| Furniture and vehicles24 | €618 | €1k | €659 | ▼ 49.6% |
| Current assets29/58 | €141k | €136k | €161k | ▲ 18.2% |
| Stocks and contracts in progress3 | €15k | €15k | €11k | ▼ 25.3% |
| Stocks30/36 | €15k | €15k | €11k | ▼ 25.3% |
| Amounts receivable within one year40/41 | €1k | €4k | €5k | ▲ 19.9% |
| Trade receivables40 | €500 | €635 | €2k | ▲ 224% |
| Other amounts receivable41 | €941 | €3k | €3k | ▼ 19.6% |
| Cash at bank and in hand54/58 | €123k | €115k | €144k | ▲ 25.7% |
| Deferred charges and accrued income490/1 | €2k | €2k | €597 | ▼ 74.0% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €313k | €306k | €322k | ▲ 5.3% |
| Equity10/15 | €113k | €132k | €155k | ▲ 17.7% |
| Contributions10/11 | €6k | €6k | €6k | = |
| Reserves13 | €71k | €90k | €114k | ▲ 26.7% |
| Distributable reserves133 | €71k | €90k | €114k | ▲ 26.7% |
| Profit (loss) carried forward14 | €36k | €35k | €34k | ▼ 2.4% |
| Amounts payable17/49 | €199k | €174k | €167k | ▼ 4.1% |
| Amounts payable after more than one year17 | €142k | €136k | €129k | ▼ 4.8% |
| Financial debts170/4 | €142k | €136k | €129k | ▼ 4.8% |
| Amounts payable within one year42/48 | €57k | €38k | €38k | ▼ 1.7% |
| Current portion of amounts payable after more than one year42 | €6k | €6k | €7k | ▲ 1.8% |
| Trade debts44 | €12k | €24k | €17k | ▼ 28.8% |
| Suppliers440/4 | €12k | €24k | €17k | ▼ 28.8% |
| Advances received on contracts in progress46 | €33k | €2k | €9k | ▲ 367% |
| Taxes, remuneration and social security45 | €4k | €4k | €3k | ▼ 33.6% |
| Taxes450/3 | €3k | €4k | €3k | ▼ 33.6% |
| Remuneration and social security454/9 | €1k | - | - | - |
| Other amounts payable47/48 | €2k | €1k | €2k | ▲ 72.1% |
| Accrued charges and deferred income492/3 | - | - | €139 | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €71k | €19k | €24k | ▲ 26.2% |
| + Depreciation and write-downs630 | €4k | €8k | €9k | ▲ 8.8% |
| Operating cash flow (approximation) | €75k | €27k | €33k | ▲ 21.1% |
| Investment in fixed assets (approximation) | - | €-6k | €0 | ▲ 100% |
| Change in cash | - | €-8k | €30k | ▲ 483% |
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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €150kEq €155k ▲17.7%
3 profitable years in a row build equity to €155k.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €19k ▼73%
Net result drops to €19k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Houthalen-Helchteren · 1 establishment unit since 2012
Ground area
599 m²
Building footprint
105 m²
Volume, LiDAR
489 m³
Parcel 72452E1162/00S024, Flanders · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
RG Poolservice
since 20122.208.943.782
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72452E1162/00S024 | Flanders | 599 m² | 1 · 105 m² | 6.8 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.
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Of 15,529 companies in sector 43990 we hold annual accounts for 7,420. 6,043 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
Founded09-03-2012
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
Scores and ratios are computed by Checked and are not a credit decision.