The Roses
ActiveThe Roses has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4k and a net result of €-1k. Equity is shrinking by ~18.1% per year across the filed fiscal years. Its solvency ranks better than 18% of 7750 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65▲+4
Solvency33▲+1
Growth32=
Track record94
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.64 against 0.83 in 2024; short-term debt: 91.7% and cash: 5.2% of total assets), and 91.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
8.3%
Return on assets
-2.6%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
22232425
2022 to 2025 · latest year €-1k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 7750 sector peers (2025).
NBB · sector comparisonPosition among 7750 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-09-2026, 42 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 · 4 filingsDeviation from the deadline
2025
42 d late
2024
29 d late
2023
2 d early
2022
30 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€4k▼ 24.1%
2024 · €5k
2022: €6k
2023: €10k
2024: €5k
2022 → 2025
Total assets
€47k▼ 38.0%
2024 · €76k
2022: €88k
2023: €90k
2024: €76k
2022 → 2025
Net result
€-1k▲ 71.9%
2024 · €-4k
2022: €4k
2023: €3k
2024: €-4k
2022 → 2025
Working capital
€-16k▼ 30.2%
2024 · €-12k
2022: €-69k
2023: €-35k
2024: €-12k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€6k-€10k▲ 47.7%€5k▼ 46.2%€4k▼ 24.1%
Operating result€6k-€9k▲ 37.0%€-360€5k
Net result€4k-€3k▼ 30.9%€-4k€-1k▲ 71.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €5k after a loss of €360 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €42k
Fixed assets
€15k▲ 56.9%
Current assets
€27k▼ 53.1%
Equity and liabilities €47k
Equity
€4k▼ 24.1%
Debt
€43k▼ 39.0%
The debt ratio falls from 93.2% to 91.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€10k▼
2024 · €24k
Cash flow
€3k▼
2024 · €20k
Solvency
8.3%▲
2024 · 6.8%
Current ratio
0.64▼
2024 · 0.83
Quick ratio
0.64▼
2024 · 0.83
Debt / equity
11.02▼
2024 · 13.71
ROE
-31.8%▲
2024 · -85.9%
ROA
-2.6%▲
2024 · -5.8%
Interest coverage
14.98▼
2024 · 131.11
Debt
€43k▼
2024 · €71k
Debt ≤ 1 year
€43k▼
2024 · €71k
Income taxes
€6k▲
2024 · €5k
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€76k€47k▼
Formation expenses20€8k€5k▼
Fixed assets21/28€9k€15k▲
Tangible fixed assets22/27€9k€15k▲
Plant, machinery and equipment23-€2k
Furniture and vehicles24€9k€13k▲
Current assets29/58€59k€27k▼
Amounts receivable within one year40/41€24k€3k▼
Trade receivables40-€480
Other amounts receivable41€24k€2k▼
Cash at bank and in hand54/58€11k€2k▼
Deferred charges and accrued income490/1€23k€22k▼
Equity and liabilities
Total equity and liabilities10/49€76k€47k▼
Equity10/15€5k€4k▼
Contributions10/11€2k€2k=
Reserves13€3k€2k▼
Distributable reserves133€3k€2k▼
Amounts payable17/49€71k€43k▼
Amounts payable within one year42/48€71k€43k▼
Financial debts43-€3k
Credit institutions430/8-€3k
Trade debts44€53k€5k▼
Suppliers440/4€53k€5k▼
Taxes, remuneration and social security45€13k€14k▲
Taxes450/3€13k€14k▲
Other amounts payable47/48€5k€21k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€5k▼
Other operating charges640/8€5k€2k▼
Gross operating margin9900€29k€12k▼
Operating profit (loss)9901€-360€5k▲
Financial income75/76B€1k€65▼
Recurring financial income75€1k€65▼
Financial charges65/66B€186€635▲
Recurring financial charges65€186€635▲
Profit (loss) for the period before taxes9903€489€4k▲
Income taxes67/77€5k€6k▲
Profit (loss) for the period9904€-4k€-1k▲
Profit (loss) for the period to be appropriated9905€-4k€-1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€-1k▲
Transfer from equity791/2€4k€1k▼
The notes to these accounts (5 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
11-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 42 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-4k ▼243%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Schilde · 1 establishment unit since 2022
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.
Azalealaan 182970 SchildeGround area
3,193 m²
Building footprint
285 m²
Volume, LiDAR
1,706 m³
Parcel 11041C0333/00N000, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
The Roses
since 20222.335.091.094
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11041C0333/00N000 | Flanders | 3,193 m² | 1 · 285 m² | 10.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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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AXIS
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,404. 2,711 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-08-2022
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
85510Sports and recreation education
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.