BLACKCOFFEE
ActiveThe computed 12-month bankruptcy probability of BLACKCOFFEE is 2.4% (moderate). The 2025 annual accounts show equity of €322k and a net result of €14k. Equity is growing by ~16.3% per year across the filed fiscal years. Its solvency ranks better than 85% of 3674 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+3
Solvency95▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 3.25 against 2.76 in 2024; short-term debt: 19.4% and cash: 45.3% of total assets), and 29.9% 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 · 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
70.1%
Return on assets
3.1%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
29 d late
2023
92 d late
2022
94 d late
2021
78 d late
2020
80 d late
2019
19 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, abbreviated schema
Equity
€322k▲ 4.6%
2024 · €308k
2018: €104k
2019: €108k
2020: €135k
2021: €226k
2022: €209k
2023: €249k
2024: €308k
2018 → 2025
Total assets
€460k▲ 1.9%
2024 · €451k
2018: €272k
2019: €238k
2020: €252k
2021: €372k
2022: €319k
2023: €359k
2024: €451k
2018 → 2025
Net result
€14k▼ 76.3%
2024 · €59k
2018: €14k
2019: €4k
2020: €27k
2021: €91k
2022: €-17k
2023: €40k
2024: €59k
2018 → 2025
Working capital
€201k▼ 4.9%
2024 · €212k
2018: €19k
2019: €39k
2020: €80k
2021: €142k
2022: €98k
2023: €145k
2024: €212k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€226k-€209k▼ 7.5%€249k▲ 19.1%€308k▲ 23.8%€322k▲ 4.6%
Operating result€119k-€-10k€54k€70k▲ 28.8%€23k▼ 67.2%
Net result€91k-€-17k€40k€59k▲ 48.4%€14k▼ 76.3%
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 falls in 2025; 2025 is 67% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €460k
Fixed assets
€170k▲ 42.2%
Current assets
€290k▼ 12.5%
Equity and liabilities €460k
Equity
€322k▲ 4.6%
Debt
€138k▼ 3.7%
The debt ratio falls from 31.7% to 29.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€56k▼
2024 · €104k
Cash flow
€47k▼
2024 · €93k
Solvency
70.1%▲
2024 · 68.3%
Current ratio
3.25▲
2024 · 2.76
Quick ratio
2.98▲
2024 · 2.55
Debt / equity
0.43▼
2024 · 0.46
ROE
4.4%▼
2024 · 19.2%
ROA
3.1%▼
2024 · 13.1%
Interest coverage
11.36▲
2024 · -1146.18
Debt
€138k▼
2024 · €143k
Debt ≤ 1 year
€89k▼
2024 · €120k
Debt > 1 year
€48k▲
2024 · €23k
Income taxes
€7k▼
2024 · €14k
Staff costs
€42k▲
2024 · €40k
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€451k€460k▲
Fixed assets21/28€119k€170k▲
Tangible fixed assets22/27€112k€162k▲
Plant, machinery and equipment23€47k€42k▼
Furniture and vehicles24€38k€80k▲
Other tangible fixed assets26€27k€41k▲
Financial fixed assets28€7k€7k=
Current assets29/58€332k€290k▼
Stocks and contracts in progress3€25k€25k=
Stocks30/36€25k€25k=
Amounts receivable within one year40/41€69k€56k▼
Trade receivables40€28k€15k▼
Other amounts receivable41€41k€40k▼
Cash at bank and in hand54/58€238k€208k▼
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€451k€460k▲
Equity10/15€308k€322k▲
Contributions10/11€50k€50k=
Capital10€50k€50k=
Issued capital100€50k€50k=
Reserves13€258k€272k▲
Non-distributable reserves130/1€5k€5k=
Legal reserve130€5k€5k=
Distributable reserves133€253k€267k▲
Amounts payable17/49€143k€138k▼
Amounts payable after more than one year17€23k€48k▲
Financial debts170/4€23k€48k▲
Amounts payable within one year42/48€120k€89k▼
Current portion of amounts payable after more than one year42€10k€19k▲
Trade debts44€70k€37k▼
Suppliers440/4€70k€37k▼
Taxes, remuneration and social security45€39k€32k▼
Taxes450/3€31k€24k▼
Remuneration and social security454/9€8k€8k▲
Other amounts payable47/48€1k€773▼
Income statement
Code20242025
Non-recurring operating income76A€2k-
Remuneration, social security and pensions62€40k€42k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€33k▼
Other operating charges640/8€863€8k▲
Gross operating margin9900€145k€106k▼
Operating profit (loss)9901€70k€23k▼
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€-91€5k▲
Recurring financial charges65€-91€5k▲
Profit (loss) for the period before taxes9903€73k€21k▼
Income taxes67/77€14k€7k▼
Profit (loss) for the period9904€59k€14k▼
Profit (loss) for the period to be appropriated9905€59k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€59k€14k▼
Transfer to equity691/2€59k€14k▼
To other reserves6921€59k€14k▼
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
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 92 days late
2023
31-12
Financial
Back to profitnet €40k
Net result €40k after one loss-making year.
02-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 94 days late
2022
31-12
Financial
Weakest financial yearnet €-17k ▼119%
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
2021
31-12
Financial
Highest result since 2018net €91k ▲239%
Operating result €119k, net result €91k, both a record.
31-12
Financial
Equity above €200kEq €226k ▲67.7%
4 profitable years in a row build equity to €226k.
19-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 80 days late
2020
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 19 days late
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 17 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Fleurus · 3 establishment units since 2014
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 Albert Ier(L) 66220 FleurusGround area
2,757 m²
Building footprint
76 m²
3 parcels, Wallonia. Linked by address, not a title deed.
3 establishment units
BLACKCOFFEE
since 20142.235.516.141
BLACKCOFFEE
since 20172.262.204.405
BLACKCOFFEE
since 20182.275.073.632
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52302A1138/00X000 | Wallonia | 1,734 m² | - | - |
| 52036A0248/00F002 | Wallonia | 996 m² | 1 · 76 m² | - |
| 52011D0126/02S000indicative | Wallonia | 27 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
2 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 sitesSambreville2.275.073.632
Charleroi2.262.204.405
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Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 2,538 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-09-2014
Fiscal year end31-12
Activities, NACEBEL
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.