VASTGOEDMAKELAARS ROSIERS & DE RIDDER
ActiveSummary
VASTGOEDMAKELAARS ROSIERS & DE RIDDER has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €10.22M and a net result of €1.56M. Equity is growing by ~19.2% per year across the filed fiscal years. Its solvency ranks better than 37% of 4539 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+25
Solvency49▲+3
Growth74▼-9
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €650k at 30 days acceptable
Liquidity short (current ratio 0.92 against 0.88 in 2024; short-term debt: 57.9% and cash: 2% of total assets), and 75.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
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
24.4%
Return on assets
3.7%
Age of the figures
9 mo
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 03-06-2026, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
58 d early
2024
55 d early
2023
9 d early
2022
53 d early
2021
46 d early
2020
55 d early
2019
56 d early
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€18.12M▼ 19.5%
2024 · €22.50M
2020: €11.40M
2021: €14.23M
2022: €16.41M
2023: €16.29M
2024: €22.50M
2020 → 2025
EBIT margin
15.0%▲ 6.2pp
2024 · 8.8%
2020: 12.7%
2021: 12.5%
2022: 11.7%
2023: 16.9%
2024: 8.8%
2020 → 2025
Net result
€1.56M▲ 83.5%
2024 · €851k
2018: €388k
2019: €1.08M
2020: €854k
2021: €1.13M
2022: €1.21M
2023: €1.55M
2024: €851k
2018 → 2025
Working capital
€-1.87M▲ 44.6%
2024 · €-3.37M
2018: €4.20M
2019: €1.86M
2020: €4.30M
2021: €-2.98M
2022: €-3.61M
2023: €-4.69M
2024: €-3.37M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€14.23M-€16.41M▲ 15.3%€16.29M▼ 0.7%€22.50M▲ 38.1%€18.12M▼ 19.5%
Equity€5.29M-€6.51M▲ 22.9%€7.96M▲ 22.3%€8.76M▲ 10.1%€10.22M▲ 16.7%
Operating result€1.78M-€1.92M▲ 7.9%€2.75M▲ 43.6%€1.97M▼ 28.3%€2.71M▲ 37.3%
Net result€1.13M-€1.21M▲ 7.3%€1.55M▲ 28.0%€851k▼ 45.2%€1.56M▲ 83.5%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 37% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €41.90M
Fixed assets
€19.51M ▲ 3.3%
Current assets
€22.39M ▼ 5.4%
Equity and liabilities €41.90M
Equity
€10.22M ▲ 16.7%
Debt
€31.68M ▼ 6.3%
Debt's share of the balance-sheet total falls from 79.4% to 75.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€3.60M▲
2024 · €2.84M
Cash flow
€2.45M▲
2024 · €1.72M
Current ratio
0.92▲
2024 · 0.88
Quick ratio
0.11▲
2024 · 0.06
Debt to equity
3.10▼
2024 · 3.86
ROE
15.3%▲
2024 · 9.7%
ROA
3.7%▲
2024 · 2.0%
Interest coverage
6.24▲
2024 · 3.49
Debt ≤ 1 year
€24.26M▼
2024 · €27.05M
Debt > 1 year
€6.73M▲
2024 · €6.38M
Income taxes
€573k▲
2024 · €308k
Staff costs
€1.23M▲
2024 · €1.23M
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 · 76 lines
Balance sheet
Code20242025
Assets
Total assets20/58€42.57M€41.90M▼
Fixed assets21/28€18.89M€19.51M▲
Tangible fixed assets22/27€18.83M€19.49M▲
Land and buildings22€17.88M€17.98M▲
Plant, machinery and equipment23€218k€243k▲
Furniture and vehicles24€212k€216k▲
Assets under construction and advance payments27€520k€1.05M▲
Financial fixed assets28€65k€18k▼
Other financial fixed assets284/8€65k€18k▼
Amounts receivable and cash guarantees285/8€65k€18k▼
Current assets29/58€23.68M€22.39M▼
Stocks and contracts in progress3€21.98M€19.84M▼
Stocks30/36€4.68M€5.05M▲
Property held for sale35€4.68M€5.05M▲
Contracts in progress37€17.30M€14.79M▼
Amounts receivable within one year40/41€25k€154k▲
Trade receivables40€20k€141k▲
Other amounts receivable41€4k€13k▲
Cash at bank and in hand54/58€960k€827k▼
Deferred charges and accrued income490/1€717k€1.57M▲
Equity and liabilities
Total equity and liabilities10/49€42.57M€41.90M▼
Equity10/15€8.76M€10.22M▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€106k€6k▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€100k-
Profit (loss) carried forward14€8.59M€10.15M▲
Amounts payable17/49€33.81M€31.68M▼
Amounts payable after more than one year17€6.38M€6.73M▲
Financial debts170/4€6.38M€6.73M▲
Credit institutions173€6.38M€6.73M▲
Amounts payable within one year42/48€27.05M€24.26M▼
Current portion of amounts payable after more than one year42€1.20M€1.19M▼
Financial debts43€8.69M€7.20M▼
Credit institutions430/8€8.69M€7.20M▼
Trade debts44€36k€411k▲
Suppliers440/4€36k€411k▲
Advances received on contracts in progress46€16.49M€14.84M▼
Taxes, remuneration and social security45€516k€437k▼
Taxes450/3€364k€288k▼
Remuneration and social security454/9€152k€148k▼
Other amounts payable47/48€118k€185k▲
Accrued charges and deferred income492/3€377k€686k▲
Income statement
Code20242025
Operating income70/76A€23.40M€19.24M▼
Turnover70€22.50M€18.12M▼
Other operating income74€902k€1.12M▲
Operating charges60/66A€21.43M€16.53M▼
Goods for resale, raw materials and consumables60€18.20M€13.22M▼
Purchases600/8€18.20M€13.22M▼
Services and other goods61€1.06M€1.07M▲
Remuneration, social security and pensions62€1.23M€1.23M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€866k€888k▲
Other operating charges640/8€83k€111k▲
Operating profit (loss)9901€1.97M€2.71M▲
Financial income75/76B€756€829▲
Recurring financial income75€756€829▲
Other financial income752/9€756€829▲
Financial charges65/66B€815k€577k▼
Recurring financial charges65€815k€577k▼
Debt charges650€815k€577k▼
Other financial charges652/9€289€47▼
Profit (loss) for the period before taxes9903€1.16M€2.13M▲
Income taxes67/77€308k€573k▲
Taxes670/3€308k€573k▲
Profit (loss) for the period9904€851k€1.56M▲
Profit (loss) for the period to be appropriated9905€851k€1.56M▲
Appropriation of the result
Profit (loss) to be appropriated9906€8.59M€10.15M▲
Profit (loss) brought forward from the previous period14P€7.74M€8.59M▲
Transfer from equity791/2€50k€100k▲
From reserves792€50k€100k▲
Profit to be distributed694/7€50k€100k▲
Return on contributions (dividend)694€50k€100k▲
Social balance
Average headcount (FTE)908718.417.5▼
The notes to these accounts (53 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
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2018net €1.56M ▲83.5%
Net result €1.56M, the highest in the series.
31-12
Financial
Equity above €10MEq €10.22M ▲16.7%
8 profitable years in a row build equity to €10.22M.
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Equity above €5MEq €5.29M ▲27.2%
4 profitable years in a row build equity to €5.29M.
06-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
05-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
06-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
11 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, Buggenhout · 2 establishment units since 2005
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.
Kasteelstraat 1989255 BuggenhoutGround area
4,178 m²
Building footprint
388 m²
Volume, LiDAR
3,649 m³
2 parcels, Flanders · tallest building 14.5 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
ROSIERS EN DE RIDDER / ASCERTI
since 20052.150.229.583
Vastgoedmakelaars Rosiers & De Ridder
since 20132.229.777.404
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42004C0003/00M003 | Flanders | 4,018 m² | 1 · 241 m² | 14.5 m · 3 fl. |
| 12007B0450/00W000 | Flanders | 160 m² | 1 · 147 m² | 13.5 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 2,725 EUR awarded · 2,725 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,530 EUR | 2,530 EUR |
| 2024 | 1 | 195 EUR | 195 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,747 companies in sector 68310 we hold annual accounts for 6,905. 996 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded14-08-1998
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.