A & G
ActiveSummary
A & G has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €733,660 and a net result of €237,196. Equity is growing by ~46.4% per year across the filed fiscal years. Its solvency ranks better than 94% of 3787 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60,000 at 30 days acceptable
Liquidity ample (current ratio 6.26 against 5.18 in 2024; short-term debt: 14.7% and cash: 62% of total assets), and 15.5% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five 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 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← 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
84.5%
Return on assets
27.3%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 16-02-2026, 73 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
73 d early
2024
64 d early
2023
63 d early
2022
68 d early
2021
65 d early
2020
71 d early
2019
66 d early
← 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 67 days before the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 24 February (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 close30-09-2026 today30-04-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#4 company by equity in Kalmthout, Accommodation and food service sector#6 company by total assets in Kalmthout, Accommodation and food service sector
Equity
€733,660▲ 19.6%
2024 · €613,464
Total assets
€868,158▲ 12.5%
2024 · €772,030
Net result
€237,196▲ 31.4%
2024 · €180,469
Working capital
€673,011▲ 19.7%
2024 · €562,110
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€122,515▲ 65.7%€179,845▲ 46.8%€272,757▲ 51.7%€258,386▼ 5.3%€346,440▲ 34.1%
Net result€78,632above the sector's middle half▲ 42.8%€128,434above the sector's middle half▲ 63.3%€189,561above the sector's middle half▲ 47.6%€180,469above the sector's middle half▼ 4.8%€237,196above the sector's middle half▲ 31.4%
Equity€200,500above the sector's middle half▲ 49.0%€316,434above the sector's middle half▲ 57.8%€451,995above the sector's middle half▲ 42.8%€613,464above the sector's middle half▲ 35.7%€733,660above the sector's middle half▲ 19.6%
Total assets€262,590above the sector's middle half▲ 54.3%€390,369within the sector's middle half▲ 48.7%€640,488within the sector's middle half▲ 64.1%€772,030within the sector's middle half▲ 20.5%€868,158above the sector's middle half▲ 12.5%
Debt€62,090▲ 74.5%€73,935▲ 19.1%€188,493▲ 155%€158,566▼ 15.9%€134,498▼ 15.2%
Working capital€188,206above the sector's middle half▲ 67.2%€279,679above the sector's middle half▲ 48.6%€394,781above the sector's middle half▲ 41.2%€562,110above the sector's middle half▲ 42.4%€673,011above the sector's middle half▲ 19.7%
Solvency76.4%above the sector's middle half▼ 2.7pp81.1%above the sector's middle half▲ 4.7pp70.6%above the sector's middle half▼ 10.5pp79.5%above the sector's middle half▲ 8.9pp84.5%above the sector's middle half▲ 5.0pp
Current ratio4.03above the sector's middle half▼ 0.134.78above the sector's middle half▲ 0.753.73above the sector's middle half▼ 1.055.18above the sector's middle half▲ 1.456.26above the sector's middle half▲ 1.08
Return on assets (ROA)29.9%above the sector's middle half▼ 2.4pp32.9%above the sector's middle half▲ 3.0pp29.6%above the sector's middle half▼ 3.3pp23.4%above the sector's middle half▼ 6.2pp27.3%above the sector's middle half▲ 3.9pp
Staff (FTE)3▲ 87.5%4.9within the sector's middle half▲ 63.3%7within the sector's middle half▲ 42.9%7.2within the sector's middle half▲ 2.9%5.7within the sector's middle half▼ 20.8%
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 34% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €868,158
Fixed assets
€67,221 ▼ 11.0%
Current assets
€800,937 ▲ 15.0%
Equity and liabilities €868,158
Equity
€733,660 ▲ 19.6%
Debt
€134,498 ▼ 15.2%
Debt's share of the balance-sheet total falls from 20.5% to 15.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€378,281▲
2024 · €286,793
Cash flow
€269,037▲
2024 · €208,876
Quick ratio
6.21▲
2024 · 5.11
Debt to equity
0.18▼
2024 · 0.26
ROE
32.3%▲
2024 · 29.4%
Interest coverage
57.47▲
2024 · 41.60
Debt ≤ 1 year
€127,926▼
2024 · €134,390
Debt > 1 year
€6,572▼
2024 · €24,176
Income taxes
€104,890▲
2024 · €72,275
Staff costs
€124,261▼
2024 · €127,857
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,371 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.5%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
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 31,371 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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €102,055 | €141,050 | €127,857 | €124,261 | ▼ 2.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9,743 | €14,401 | €20,650 | €28,407 | €31,841 | ▲ 12.1% |
| Other operating charges640/8 | - | €3,969 | €6,148 | €4,951 | €5,707 | ▲ 15.3% |
| Gross operating margin9900 | €197,467 | €300,270 | €440,605 | €419,601 | €508,249 | ▲ 21.1% |
| Operating profit (loss)9901 | €122,515 | €179,845 | €272,757 | €258,386 | €346,440 | ▲ 34.1% |
| Financial income75/76B | - | - | €475 | €1,252 | €2,228 | ▲ 78.0% |
| Recurring financial income75 | - | - | €475 | €1,252 | €2,228 | ▲ 78.0% |
| Financial charges65/66B | - | €2,911 | €5,733 | €6,894 | €6,582 | ▼ 4.5% |
| Recurring financial charges65 | €118 | €2,911 | €5,733 | €6,894 | €6,582 | ▼ 4.5% |
| Profit (loss) for the period before taxes9903 | €122,397 | €176,934 | €267,499 | €252,744 | €342,086 | ▲ 35.3% |
| Income taxes67/77 | €43,765 | €48,500 | €77,938 | €72,275 | €104,890 | ▲ 45.1% |
| Profit (loss) for the period9904 | €78,632 | €128,434 | €189,561 | €180,469 | €237,196 | ▲ 31.4% |
| Profit (loss) for the period to be appropriated9905 | €81,710 | €128,434 | €189,561 | €180,469 | €237,196 | ▲ 31.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €262,590 | €390,369 | €640,488 | €772,030 | €868,158 | ▲ 12.5% |
| Fixed assets21/28 | €12,294 | €36,755 | €101,284 | €75,530 | €67,221 | ▼ 11.0% |
| Tangible fixed assets22/27 | €9,744 | €32,655 | €93,747 | €67,993 | €59,684 | ▼ 12.2% |
| Land and buildings22 | - | €3,924 | €3,062 | €2,200 | €5,870 | ▲ 167% |
| Plant, machinery and equipment23 | - | €28,731 | €26,690 | €20,891 | €28,005 | ▲ 34.1% |
| Furniture and vehicles24 | - | - | €63,995 | €44,902 | €25,809 | ▼ 42.5% |
| Financial fixed assets28 | €2,550 | €4,100 | €7,537 | €7,537 | €7,537 | = |
| Current assets29/58 | €250,296 | €353,614 | €539,204 | €696,500 | €800,937 | ▲ 15.0% |
| Stocks and contracts in progress3 | €506 | €371 | €2,074 | €9,514 | €6,407 | ▼ 32.7% |
| Stocks30/36 | - | €371 | €2,074 | €9,514 | €6,407 | ▼ 32.7% |
| Amounts receivable within one year40/41 | €32,447 | €138,584 | €208,468 | €261,746 | €245,231 | ▼ 6.3% |
| Trade receivables40 | - | €110,780 | €189,640 | €211,983 | €200,912 | ▼ 5.2% |
| Other amounts receivable41 | - | €27,804 | €18,828 | €49,763 | €44,319 | ▼ 10.9% |
| Cash at bank and in hand54/58 | €213,697 | €213,368 | €327,185 | €419,276 | €538,105 | ▲ 28.3% |
| Deferred charges and accrued income490/1 | - | €1,291 | €1,477 | €5,964 | €11,194 | ▲ 87.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €262,590 | €390,369 | €640,488 | €772,030 | €868,158 | ▲ 12.5% |
| Equity10/15 | €200,500 | €316,434 | €451,995 | €613,464 | €733,660 | ▲ 19.6% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €192,069 | €302,069 | €432,069 | €587,569 | €707,765 | ▲ 20.5% |
| Non-distributable reserves130/1 | - | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | - | - | - | - |
| Distributable reserves133 | - | €300,209 | €432,069 | €587,569 | €707,765 | ▲ 20.5% |
| Profit (loss) carried forward14 | €2,231 | €8,165 | €13,726 | €19,695 | €19,695 | = |
| Amounts payable17/49 | €62,090 | €73,935 | €188,493 | €158,566 | €134,498 | ▼ 15.2% |
| Amounts payable after more than one year17 | - | - | €44,070 | €24,176 | €6,572 | ▼ 72.8% |
| Financial debts170/4 | - | - | €44,070 | €24,176 | €6,572 | ▼ 72.8% |
| Amounts payable within one year42/48 | €62,090 | €73,935 | €144,423 | €134,390 | €127,926 | ▼ 4.8% |
| Current portion of amounts payable after more than one year42 | - | - | €17,565 | €19,894 | €19,155 | ▼ 3.7% |
| Financial debts43 | - | - | - | - | €17,218 | - |
| Credit institutions430/8 | - | - | - | - | €17,218 | - |
| Trade debts44 | €20,731 | €29,860 | €34,477 | €54,673 | €18,528 | ▼ 66.1% |
| Suppliers440/4 | - | €29,860 | €34,477 | €54,673 | €18,528 | ▼ 66.1% |
| Taxes, remuneration and social security45 | - | €31,575 | €73,381 | €44,323 | €73,025 | ▲ 64.8% |
| Taxes450/3 | - | €31,575 | €71,747 | €42,711 | €71,839 | ▲ 68.2% |
| Remuneration and social security454/9 | - | - | €1,634 | €1,612 | €1,186 | ▼ 26.4% |
| Other amounts payable47/48 | - | €12,500 | €19,000 | €15,500 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €78,632 | €128,434 | €189,561 | €180,469 | €237,196 | ▲ 31.4% |
| + Depreciation and write-downs630 | €9,743 | €14,401 | €20,650 | €28,407 | €31,841 | ▲ 12.1% |
| Operating cash flow (approximation) | €88,375 | €142,835 | €210,211 | €208,876 | €269,037 | ▲ 28.8% |
| Investment in fixed assets (approximation) | - | -€38,862 | -€85,179 | -€2,653 | -€23,532 | ▼ 787% |
| Change in cash | - | -€329 | €113,817 | €92,091 | €118,829 | ▲ 29.0% |
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
16-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Highest result since 2018net €237,196 ▲31.4%
Operating result €346,440, net result €237,196, both a record.
25-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Equity above €500,000Eq €613,464 ▲35.7%
7 profitable years in a row build equity to €613,464.
27-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
21-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
24-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Equity above €200,000Eq €200,500 ▲49%
4 profitable years in a row build equity to €200,500.
18-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Equity above €100,000Eq €134,568 ▲57.9%
3 profitable years in a row build equity to €134,568.
24-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-03
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.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Kalmthout · 2 establishment units since 2003
Ground area
1,157 m²
Building footprint
435 m²
Volume, LiDAR
2,466 m³
3 parcels, Flanders · tallest building 15.8 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
A&G
since 20032.138.591.068
A&G
since 20222.327.341.685
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11662A0368/00K000 | Flanders | 693 m² | 1 · 184 m² | 6.5 m · 2 fl. |
| 11022G0730/02G000 | Flanders | 238 m² | 1 · 110 m² | 15.8 m · 2 fl. |
| 11022F0001/02B000 | Flanders | 227 m² | 1 · 141 m² | 7.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesKalmthout2.138.591.068
Kalmthout2.327.341.685
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Of 21,853 companies in sector 56112 we hold annual accounts for 9,781. 3,456 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
Founded15-05-2003
Fiscal year end30-09
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0480235617
Also
9925:BE0480235617
Registered
22-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.