ALF RESTO
ActiveALF RESTO has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €107k and a net result of €5k. Equity is growing by ~53.4% per year across the filed fiscal years. Its solvency ranks better than 48% of 13090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability42▼-5
Solvency53▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity tight (current ratio 1.25 against 1.36 in 2024; short-term debt: 69.3% and cash: 8.8% of total assets), and 72.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
Sector 56
higher
← 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
27.8%
Return on assets
1.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 10 filingsDeviation from the deadline
2025
25 d late
2024
40 d late
2023
35 d late
2022
134 d late
2021
122 d late
2020
254 d late
2019
368 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€5k▼ 57.5%
2024 · €12k
2018: €-15k
2019: €-31k
2020: €27k
2021: €16k
2022: €46k
2023: €38k
2024: €12k
2018 → 2025
Working capital
€66k▼ 19.7%
2024 · €82k
2018: €-32k
2019: €-9k
2020: €27k
2021: €30k
2022: €27k
2023: €64k
2024: €82k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6k-€52k▲ 749%€90k▲ 74.1%€102k▲ 13.2%€107k▲ 5.0%
Operating result€21k-€67k▲ 222%€49k▼ 27.2%€44k▼ 9.2%€21k▼ 52.5%
Net result€16k-€46k▲ 189%€38k▼ 16.0%€12k▼ 68.9%€5k▼ 57.5%
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 53% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €385k
Fixed assets
€53k▲ 20.9%
Current assets
€332k▲ 8.3%
Equity and liabilities €385k
Equity
€107k▲ 5.0%
Debt
€278k▲ 11.8%
The debt ratio rises from 71.0% to 72.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€34k▼
2024 · €57k
Cash flow
€19k▼
2024 · €24k
Solvency
27.8%▼
2024 · 29.0%
Current ratio
1.25▼
2024 · 1.36
Quick ratio
1.21▼
2024 · 1.34
Debt / equity
2.60▲
2024 · 2.44
ROE
4.7%▼
2024 · 11.7%
ROA
1.3%▼
2024 · 3.4%
Interest coverage
2.55▼
2024 · 2.91
Debt
€278k▲
2024 · €248k
Debt ≤ 1 year
€266k▲
2024 · €225k
Debt > 1 year
€12k▼
2024 · €24k
Income taxes
€5k▼
2024 · €13k
Staff costs
€164k▼
2024 · €317k
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€350k€385k▲
Fixed assets21/28€44k€53k▲
Tangible fixed assets22/27€23k€32k▲
Land and buildings22€11k€8k▼
Plant, machinery and equipment23€7k€23k▲
Furniture and vehicles24€5k€788▼
Financial fixed assets28€21k€21k=
Current assets29/58€307k€332k▲
Stocks and contracts in progress3€4k€9k▲
Stocks30/36€4k€9k▲
Amounts receivable within one year40/41€211k€193k▼
Trade receivables40€51k-
Other amounts receivable41€159k€193k▲
Cash at bank and in hand54/58€15k€34k▲
Deferred charges and accrued income490/1€77k€96k▲
Equity and liabilities
Total equity and liabilities10/49€350k€385k▲
Equity10/15€102k€107k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€81k€86k▲
Amounts payable17/49€248k€278k▲
Amounts payable after more than one year17€24k€12k▼
Financial debts170/4€24k€12k▼
Amounts payable within one year42/48€225k€266k▲
Current portion of amounts payable after more than one year42€15k€16k▲
Financial debts43€14k€17k▲
Credit institutions430/8€14k€17k▲
Trade debts44€10k€20k▲
Suppliers440/4€10k€20k▲
Taxes, remuneration and social security45€128k€156k▲
Taxes450/3€87k€134k▲
Remuneration and social security454/9€41k€23k▼
Other amounts payable47/48€58k€57k▼
Income statement
Code20242025
Remuneration, social security and pensions62€317k€164k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€14k▲
Other operating charges640/8€6k€49k▲
Non-recurring operating charges66A-€6k
Gross operating margin9900€379k€254k▼
Operating profit (loss)9901€44k€21k▼
Financial income75/76B€2€3k▲
Recurring financial income75€2€3k▲
Financial charges65/66B€19k€14k▼
Recurring financial charges65€19k€14k▼
Profit (loss) for the period before taxes9903€25k€10k▼
Income taxes67/77€13k€5k▼
Profit (loss) for the period9904€12k€5k▼
Profit (loss) for the period to be appropriated9905€12k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€81k€86k▲
Profit (loss) brought forward from the previous period14P€69k€81k▲
The notes to these accounts (7 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
09-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 40 days late
2024
31-12
Financial
Equity above €100kEq €102k ▲13.2%
5 profitable years in a row build equity to €102k.
04-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 35 days late
2023
12-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 134 days late
2022
31-12
Financial
Highest result since 2018net €46k ▲189%
Operating result €67k, net result €46k, both a record.
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 122 days late
11-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 254 days late
2021
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 368 days late
2020
31-12
Financial
Back to profitnet €27k
Net result €27k after 2 loss-making years.
2019
31-12
Financial
Weakest financial yearnet €-31k
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
11-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 72 days late
2017
01-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 1 day late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
12 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, Mons · 1 establishment unit since 2003
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.
Route d'Ath(N.) 1197020 MonsGround area
4,638 m²
Building footprint
397 m²
Volume, LiDAR
3,034 m³
Parcel 53059A0239/00H000, Wallonia · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Alf Resto
since 20032.132.039.313
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53059A0239/00H000 | Wallonia | 4,638 m² | 1 · 397 m² | 12.8 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteMons2.132.039.313
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CHEZ LOUIS
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HYPORESTO
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JIN YANG
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SANU
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Of 20,499 companies in sector 56111 we hold annual accounts for 11,455. 9,492 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-06-2003
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.