Au N° 3
ActiveThe computed 12-month bankruptcy probability of Au N° 3 is 2.4% (moderate). The 2025 annual accounts show equity of €103k and a net result of €40k. Equity is growing by ~20.6% per year across the filed fiscal years. Its solvency ranks better than 62% of 13204 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+10
Solvency70▼-20
Growth78=
Track record100
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.8 against 2.75 in 2024; short-term debt: 33.9% and cash: 50.5% of total assets), but 55.1% 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 · 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
44.9%
Return on assets
17.6%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 19-11-2025, 73 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
73 d early
2024
28 d early
2023
5 d early
2022
1 d late
2021
4 d early
2020
4 d early
2019
18 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€103k▲ 11.2%
2024 · €93k
2019: €27k
2020: €38k
2021: €57k
2022: €84k
2023: €61k
2024: €93k
2019 → 2025
Total assets
€230k▲ 60.0%
2024 · €143k
2019: €37k
2020: €48k
2021: €70k
2022: €109k
2023: €63k
2024: €143k
2019 → 2025
Net result
€40k▲ 28.0%
2024 · €32k
2019: €9k
2020: €10k
2021: €19k
2022: €28k
2023: €-23k
2024: €32k
2019 → 2025
Working capital
€62k▼ 18.6%
2024 · €77k
2019: €23k
2020: €34k
2021: €53k
2022: €77k
2023: €55k
2024: €77k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€57k-€84k▲ 48.7%€61k▼ 27.6%€93k▲ 51.7%€103k▲ 11.2%
Operating result€20k-€38k▲ 91.4%€-23k€44k€55k▲ 26.5%
Net result€19k-€28k▲ 45.8%€-23k€32k€40k▲ 28.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 26% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €230k
Fixed assets
€89k▲ 293%
Current assets
€140k▲ 16.2%
Equity and liabilities €230k
Equity
€103k▲ 11.2%
Debt
€126k▲ 149%
The debt ratio rises from 35.4% to 55.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€61k▲
2024 · €45k
Cash flow
€47k▲
2024 · €33k
Solvency
44.9%▼
2024 · 64.6%
Current ratio
1.80▼
2024 · 2.75
Quick ratio
1.66▼
2024 · 2.51
Debt / equity
1.23▲
2024 · 0.55
ROE
39.2%▲
2024 · 34.1%
ROA
17.6%▼
2024 · 22.0%
Interest coverage
14.55▲
2024 · 4.19
Debt
€126k▲
2024 · €51k
Debt ≤ 1 year
€78k▲
2024 · €44k
Debt > 1 year
€43k
Income taxes
€11k▲
2024 · €2k
Staff costs
€88k▲
2024 · €56k
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€143k€230k▲
Fixed assets21/28€23k€89k▲
Tangible fixed assets22/27€19k€86k▲
Plant, machinery and equipment23€19k€16k▼
Furniture and vehicles24€0€0=
Leasing and similar rights25-€70k
Financial fixed assets28€3k€3k=
Current assets29/58€121k€140k▲
Stocks and contracts in progress3€10k€11k▲
Stocks30/36€10k€11k▲
Amounts receivable within one year40/41€4k€13k▲
Trade receivables40-€4k
Other amounts receivable41€4k€9k▲
Cash at bank and in hand54/58€103k€116k▲
Deferred charges and accrued income490/1€3k€156▼
Equity and liabilities
Total equity and liabilities10/49€143k€230k▲
Equity10/15€93k€103k▲
Contributions10/11€19k€19k=
Reserves13€73k€84k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€71k€82k▲
Profit (loss) carried forward14€793€218▼
Amounts payable17/49€51k€126k▲
Amounts payable after more than one year17-€43k
Financial debts170/4-€43k
Amounts payable within one year42/48€44k€78k▲
Current portion of amounts payable after more than one year42-€9k
Trade debts44€7k€13k▲
Suppliers440/4€7k€13k▲
Advances received on contracts in progress46-€6k
Taxes, remuneration and social security45€35k€21k▼
Taxes450/3€24k€12k▼
Remuneration and social security454/9€12k€9k▼
Other amounts payable47/48€2k€28k▲
Accrued charges and deferred income492/3€7k€6k▼
Income statement
Code20242025
Remuneration, social security and pensions62€56k€88k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€6k▲
Other operating charges640/8€968€688▼
Gross operating margin9900€102k€151k▲
Operating profit (loss)9901€44k€55k▲
Financial income75/76B€920€503▼
Recurring financial income75€920€503▼
Financial charges65/66B€11k€4k▼
Recurring financial charges65€11k€4k▼
Profit (loss) for the period before taxes9903€34k€51k▲
Income taxes67/77€2k€11k▲
Profit (loss) for the period9904€32k€40k▲
Profit (loss) for the period to be appropriated9905€32k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€32k€41k▲
Profit (loss) brought forward from the previous period14P€214€793▲
Transfer to equity691/2€31k€11k▼
To other reserves6921€31k€11k▼
Profit to be distributed694/7-€30k
Return on contributions (dividend)694-€30k
The notes to these accounts (8 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
2025
19-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2019net €40k ▲28%
Operating result €55k, net result €40k, both a record.
30-06
Financial
Equity above €100kEq €103k ▲11.2%
2 profitable years in a row build equity to €103k.
03-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
26-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €-23k ▼184%
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity times 7current ratio 27.16
Current ratio from 4.18 to 27.16; short-term debt falls from €24k to €2k.
01-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
13-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
23-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Verviers · 2 establishment units since 2017
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.
Rue des Déportés 1034800 VerviersGround area
1,355 m²
Building footprint
319 m²
Volume, LiDAR
1,515 m³
3 parcels, Wallonia · tallest building 13.1 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Au 3 bis
since 20172.260.528.382
Au bol du 3
since 20252.377.907.983
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63023F0074/00H000 | Wallonia | 1,012 m² | 1 · 181 m² | - |
| 63079E0001/00T006 | Wallonia | 269 m² | 1 · 60 m² | 11.8 m · 3 fl. |
| 63023F0126/00A000 | Wallonia | 74 m² | 1 · 79 m² | 13.1 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
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 sitesEupen2.260.528.382
Eupen2.377.907.983
Similar companies · same sector, comparable size
MIRA
BE 0893.408.897
Herve · Eq €103k
OZIRIS
BE 0847.691.017
Anderlecht · Eq €103k
LW INVEST
BE 0822.374.314
Sint-Truiden · Eq €103k
AMORABICA
BE 0479.228.401
Westerlo · Eq €103k
SOLE CITÉ
BE 0673.892.454
Maasmechelen · Eq €103k
Of 20,495 companies in sector 56111 we hold annual accounts for 11,455. 9,533 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-01-2017
Fiscal year end30-06
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.