BREAKPOINT FOOD SERVICES
ActiveThe computed 12-month bankruptcy probability of BREAKPOINT FOOD SERVICES is 3.8% (moderate). The 2025 annual accounts show equity of €1.78M and a net result of €129k. Equity is growing by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 22% of 4157 sector peers (fiscal year 2025). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
35
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability56▲+13
Solvency36▼-1
Growth54=
Track record100
Bankruptcy probability, 12 months
3.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days only on tighter terms
Liquidity short (current ratio 0.46 against 0.51 in 2024; short-term debt: 87.8% and cash: 0% of total assets), and 89% 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 47
Relative position
BE, all sectors
reference
Sector 47
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
11%
Return on assets
0.8%
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 4157 sector peers (2025).
NBB · sector comparisonPosition among 4157 sector peers
Solvency
better than 22%
← weakest
strongest →
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
35 d early
2023
20 d early
2022
25 d early
2021
12 d early
2020
4 d early
2019
74 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, full schema
Turnover
€96.26M▲ 8.3%
2024 · €88.91M
2018: €59.88M
2019: €62.00M
2020: €60.68M
2021: €66.99M
2022: €74.56M
2023: €79.73M
2024: €88.91M
2018 → 2025
EBIT margin
0.3%▼ 0.1pp
2024 · 0.4%
2018: 1.6%
2019: 1.2%
2020: -0.4%
2021: -0.1%
2022: 0.8%
2023: 0.6%
2024: 0.4%
2018 → 2025
Net result
€129k▼ 12.2%
2024 · €146k
2018: €658k
2019: €508k
2020: €-251k
2021: €-99k
2022: €406k
2023: €224k
2024: €146k
2018 → 2025
Working capital
€-7.64M▼ 42.8%
2024 · €-5.35M
2018: €-254k
2019: €35k
2020: €-1.56M
2021: €-2.41M
2022: €-2.68M
2023: €-2.42M
2024: €-5.35M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€66.99M-€74.56M▲ 11.3%€79.73M▲ 6.9%€88.91M▲ 11.5%€96.26M▲ 8.3%
Equity€879k-€1.28M▲ 46.2%€1.51M▲ 17.4%€1.66M▲ 9.7%€1.78M▲ 7.8%
Operating result€-94k-€564k€447k▼ 20.6%€352k▼ 21.3%€256k▼ 27.2%
Net result€-99k-€406k€224k▼ 44.8%€146k▼ 34.7%€129k▼ 12.2%
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 27% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €16.23M
Fixed assets
€9.62M▲ 23.3%
Current assets
€6.61M▲ 18.3%
Equity and liabilities €16.23M
Equity
€1.78M▲ 7.8%
Provisions
€0▼ 100%
Debt
€14.45M▲ 23.4%
The debt ratio rises from 87.4% to 89.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€2.06M▲
2024 · €1.77M
Cash flow
€1.93M▲
2024 · €1.56M
Solvency
11.0%▼
2024 · 12.4%
Current ratio
0.46▼
2024 · 0.51
Quick ratio
0.28▲
2024 · 0.26
Debt / equity
8.10▲
2024 · 7.07
ROE
7.2%▼
2024 · 8.8%
ROA
0.8%▼
2024 · 1.1%
Interest coverage
1565.65▲
2024 · 3.57
Debt
€14.45M▲
2024 · €11.71M
Debt ≤ 1 year
€14.25M▲
2024 · €10.94M
Income taxes
€111k▲
2024 · €110k
Staff costs
€9.44M▲
2024 · €8.44M
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€13.39M€16.23M▲
Fixed assets21/28€7.81M€9.62M▲
Intangible fixed assets21€83k€198k▲
Tangible fixed assets22/27€7.72M€9.42M▲
Plant, machinery and equipment23€7.63M€9.28M▲
Furniture and vehicles24€89k€144k▲
Current assets29/58€5.59M€6.61M▲
Stocks and contracts in progress3€2.79M€2.58M▼
Stocks30/36€2.79M€2.58M▼
Goods purchased for resale34€2.79M€2.58M▼
Amounts receivable within one year40/41€2.38M€3.93M▲
Trade receivables40€2.27M€3.82M▲
Other amounts receivable41€114k€108k▼
Cash at bank and in hand54/58€28k€3k▼
Deferred charges and accrued income490/1€391k€98k▼
Equity and liabilities
Total equity and liabilities10/49€13.39M€16.23M▲
Equity10/15€1.66M€1.78M▲
Contributions10/11€30k€30k=
Reserves13€3k€3k=
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Profit (loss) carried forward14€1.62M€1.75M▲
Provisions and deferred taxes16€30k-
Provisions for liabilities and charges160/5€30k-
Other liabilities and charges164/5€30k-
Amounts payable17/49€11.71M€14.45M▲
Amounts payable within one year42/48€10.94M€14.25M▲
Trade debts44€6.38M€7.13M▲
Suppliers440/4€6.38M€7.13M▲
Taxes, remuneration and social security45€1.31M€1.49M▲
Taxes450/3€230k€346k▲
Remuneration and social security454/9€1.08M€1.14M▲
Other amounts payable47/48€3.25M€5.63M▲
Accrued charges and deferred income492/3€769k€197k▼
Income statement
Code20242025
Operating income70/76A€89.45M€98.05M▲
Turnover70€88.91M€96.26M▲
Other operating income74€541k€1.79M▲
Operating charges60/66A€89.10M€97.80M▲
Goods for resale, raw materials and consumables60€63.55M€68.96M▲
Purchases600/8€64.32M€68.75M▲
Change in stocks: decrease (increase)609€-766k€210k▲
Services and other goods61€15.56M€17.41M▲
Remuneration, social security and pensions62€8.44M€9.44M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1.42M€1.80M▲
Provisions for liabilities and charges: additions (uses and reversals)635/8-€-30k
Other operating charges640/8€130k€213k▲
Operating profit (loss)9901€352k€256k▼
Financial income75/76B€402k€287▼
Recurring financial income75€402k€287▼
Income from current assets751€400k-
Other financial income752/9€2k€287▼
Financial charges65/66B€498k€17k▼
Recurring financial charges65€498k€17k▼
Debt charges650€496k€1k▼
Other financial charges652/9€2k€16k▲
Profit (loss) for the period before taxes9903€257k€239k▼
Income taxes67/77€110k€111k▲
Taxes670/3€119k€118k▼
Tax adjustments and reversals of tax provisions77€9k€7k▼
Profit (loss) for the period9904€146k€129k▼
Profit (loss) for the period to be appropriated9905€146k€129k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.62M€1.75M▲
Profit (loss) brought forward from the previous period14P€1.48M€1.62M▲
Social balance
Average headcount (FTE)9087195.8204.5▲
The notes to these accounts (50 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €406k
Net result €406k after 2 loss-making years.
31-12
Financial
Equity above €1MEq €1.28M ▲46.2%
Equity rises from €879k to €1.28M.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €-251k ▼149%
Net result drops to €-251k, the lowest in the series; recovery starts the following year.
13-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 74 days late
2019
31-12
Financial
Equity above €1MEq €1.23M ▲70.5%
2 profitable years in a row build equity to €1.23M.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
16 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, Waregem · 32 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.
Anzegemseweg 148790 WaregemGround area
9.2 ha
Building footprint
1.2 ha
Volume, LiDAR
107,599 m³
26 parcels, Brussels, Flanders, Wallonia · tallest building 86.8 m, ±28 floors. Linked by address, not a title deed.
32 establishment units
BFS
since 20052.147.949.489
Esso Etterbeek
since 20122.212.113.803
Esso Evere
since 20122.212.114.001
Esso Fleurus
since 20122.212.114.197
Shop & Go Molenbeek
since 20122.212.114.593
Esso Soignies
since 20122.212.114.890
Show 26 more locations
Esso St-Ghislain
since 20122.212.115.187
Esso Uccle
since 20122.212.115.385
Esso Manage
since 20122.212.115.583
Esso Auderghem
since 20122.212.115.682
Esso Braine
since 20122.212.115.781
Esso Charleroi
since 20122.212.115.880
Esso Couillet
since 20122.212.116.078
ESSO OUDENAARDE
since 20132.222.480.529
ESSO OEKENE OOST
since 20132.222.481.420
ESSO OEKENE WEST
since 20132.222.482.014
ESSO GENT ROOIGEMLAAN
since 20132.222.482.608
ESSO LAARNE
since 20132.222.482.806
Esso Vogelzanglaan
since 20132.224.361.141
Esso Noorderlaan
since 20132.224.361.438
Esso Diegem
since 20132.224.361.834
Esso Rotselaar Noord
since 20132.224.362.428
Esso Rotselaar Zuid
since 20132.224.362.923
Esso Comines
since 20152.246.778.732
Esso Waterloo
since 20162.255.448.948
Total Tongrinne
since 20192.289.319.962
Shop & Go Zoutleeuw
since 20202.306.141.148
Tankstation Wemmel
since 20222.331.774.783
Esso Marke Zuid
since 20242.361.542.204
Esso Marke Noord
since 20242.361.542.303
Total Roeselare
since 20262.385.166.256
Esso Waregem
since 20262.385.166.355
26 parcels
Flanders
11
(42.3%)
Wallonia
9
(34.6%)
Brussels
6
(23.1%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92126C0045/00D000indicative | Wallonia | 1.5 ha | - | - |
| 34452B1150/00A000 | Flanders | 1.1 ha | 1 · 581 m² | 5.1 m |
| 21524C0141/00X002 | Brussels | 8,521 m² | 1 · 288 m² | 86.8 m · 28 fl. |
| 54002C1049/00D000 | Wallonia | 6,721 m² | 1 · 565 m² | 8.6 m · 3 fl. |
| 11809I2170/00B011 | Flanders | 5,577 m² | 1 · 1,340 m² | 12.3 m · 2 fl. |
| 23015B0078/00E000 | Flanders | 4,940 m² | 1 · 420 m² | 5.9 m · 2 fl. |
| 36503C0637/00N000 | Flanders | 4,932 m² | 1 · 1,065 m² | 6.8 m · 2 fl. |
| 11807G1543/00N003 | Flanders | 4,655 m² | 1 · 375 m² | 5.6 m · 1 fl. |
| 55040B0438/00V000 | Wallonia | 4,130 m² | 1 · 194 m² | 5.1 m · 1 fl. |
| 52014B0072/00X000 | Wallonia | 3,525 m² | 1 · 175 m² | 5.2 m · 1 fl. |
| 44816K0697/00R000 | Flanders | 2,874 m² | 1 · 2,874 m² | 20.5 m · 5 fl. |
| 52021C0317/00S005 | Wallonia | 2,756 m² | 1 · 165 m² | 4.8 m · 1 fl. |
| 21612C0118/00X000 | Brussels | 2,471 m² | 1 · 1,383 m² | 13.7 m · 2 fl. |
| 53070A0119/00C000 | Wallonia | 2,401 m² | 1 · 168 m² | 6.6 m · 2 fl. |
| 52302A1071/00Y002 | Wallonia | 2,227 m² | 1 · 281 m² | 5.2 m · 1 fl. |
| 25742B0077/00F000 | Wallonia | 1,910 m² | 1 · 250 m² | - |
| 42010A0970/00R000 | Flanders | 1,568 m² | 1 · 165 m² | 5.5 m · 1 fl. |
| 21332B0424/00X004 | Brussels | 1,242 m² | 1 · 273 m² | 19.2 m · 1 fl. |
| 21614H0016/00Z000 | Brussels | 1,094 m² | - | - |
| 21372C0103/00S003 | Brussels | 966 m² | 1 · 233 m² | 11.9 m · 2 fl. |
| 34452B0863/00C013 | Flanders | 910 m² | 1 · 16 m² | 7.0 m · 2 fl. |
| 45507A0342/00N004 | Flanders | 881 m² | 1 · 221 m² | 5.0 m · 2 fl. |
| 22662B0419/00V007 | Flanders | 831 m² | 1 · 162 m² | 5.5 m · 1 fl. |
| 21363B0492/00N003 | Brussels | 620 m² | 1 · 124 m² | 8.8 m · 2 fl. |
| 24036B0587/00C000 | Flanders | 565 m² | 1 · 271 m² | 4.7 m · 1 fl. |
| 52043F0377/00A007indicative | Wallonia | 148 m² | 1 · 128 m² | 12.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 25
24 of 26 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
2022 to 2025 · 5 entries · 35,770 EUR awarded · 33,211 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 11,960 EUR | 9,401 EUR |
| 2024 | 1 | 14,271 EUR | 14,271 EUR |
| 2023 | 1 | 0 EUR | 5,130 EUR |
| 2022 | 2 | 9,539 EUR | 4,409 EUR |
Schemes
Individueel Maatwerk
Werkbaarheidscheque (stopgezet)
Vlaams opleidingsverlof (VOV)
Recognitions · licences · registrations
Food safety, FASFC
31 sitesAntwerpen2.224.361.141
Antwerpen2.224.361.438
Braine-l'Alleud2.212.115.781
Gent2.222.482.608
Show 21 more sites
Kortrijk2.361.542.204
Kortrijk2.361.542.303
Laarne2.222.482.806
Machelen (Vl.Br.)2.224.361.834
Oudenaarde2.222.480.529
Roeselare2.222.481.420
Roeselare2.222.482.014
Roeselare2.385.166.256
Rotselaar2.224.362.428
Rotselaar2.224.362.923
Ukkel2.255.448.948
Waregem2.385.166.355
Wemmel2.331.774.783
Zoutleeuw2.306.141.148
Charleroi2.212.115.880
Charleroi2.212.116.078
Comines-Warneton/Komen-Waasten2.246.778.732
Etterbeek2.212.113.803
Evere2.212.114.001
Fleurus2.212.114.197
Manage2.212.115.583
This list shows 25 of 31 sites holding a FASFC permission.
Dual-learning approval
1 endedSimilar companies · same sector, comparable size
GROUPE M
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DRANKENHANDEL GEERT SWINNENS
BE 0478.743.696
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DRANKCENTER SCHOTTE
BE 0456.046.191
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VAN CRAENENBROECK
BE 0437.097.836
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DE CAIGNY
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Of 1,508 companies in sector 47252 we hold annual accounts for 651. 292 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-06-2005
Fiscal year end31-12
Activities, NACEBEL
47252Retail sale of beverages, general range
47300Retail sale of automotive fuel
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47260Retail trade
47620Retail trade
47621Retail sale of newspapers and periodicals
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.