Brouwerijcafé BTM
ActiveThe computed 12-month bankruptcy probability of Brouwerijcafé BTM is 3.2% (moderate). The 2025 annual accounts show equity of €16k and a net result of €794. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 31% of 3663 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
46
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability53▼-31
Solvency36▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
3.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.78 against 0.63 in 2024; short-term debt: 88.8% and cash: 37.8% of total assets), and 88.8% 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
11.2%
Return on assets
0.5%
Age of the figures
12 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €16k
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 29-04-2026, 1 day ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
1 d early
2024
15 d early
2023
on the day
2022
32 d early
2021
1 d early
2020
30 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
20-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€16k▲ 5.1%
2024 · €15k
2020: €-19k
2021: €15k
2022: €8k
2023: €650
2024: €15k
2020 → 2025
Total assets
€145k▲ 16.2%
2024 · €125k
2020: €85k
2021: €138k
2022: €184k
2023: €158k
2024: €125k
2020 → 2025
Net result
€794▼ 94.6%
2024 · €15k
2020: €-29k
2021: €34k
2022: €-7k
2023: €-7k
2024: €15k
2020 → 2025
Working capital
€-28k▲ 30.4%
2024 · €-41k
2020: €-42k
2021: €-13k
2022: €-68k
2023: €-62k
2024: €-41k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€15k-€8k▼ 46.0%€650▼ 91.8%€15k▲ 2,272%€16k▲ 5.1%
Operating result€33k-€-6k€-4k▲ 38.3%€18k€3k▼ 80.5%
Net result€34k-€-7k€-7k▼ 7.6%€15k€794▼ 94.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 81% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €145k
Fixed assets
€44k▼ 20.6%
Current assets
€101k▲ 46.1%
Equity and liabilities €145k
Equity
€16k▲ 5.1%
Debt
€129k▲ 17.8%
The debt ratio rises from 87.7% to 88.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€15k▼
2024 · €30k
Cash flow
€12k▼
2024 · €27k
Solvency
11.2%▼
2024 · 12.3%
Current ratio
0.78▲
2024 · 0.63
Quick ratio
0.72▲
2024 · 0.50
Debt / equity
7.96▲
2024 · 7.11
ROE
4.9%▼
2024 · 95.8%
ROA
0.5%▼
2024 · 11.8%
Interest coverage
4.02▼
2024 · 8.64
Debt
€129k▲
2024 · €110k
Debt ≤ 1 year
€129k▲
2024 · €110k
Staff costs
€277k▼
2024 · €282k
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€125k€145k▲
Fixed assets21/28€56k€44k▼
Tangible fixed assets22/27€56k€44k▼
Plant, machinery and equipment23€10k€7k▼
Furniture and vehicles24€6k€3k▼
Other tangible fixed assets26€40k€35k▼
Current assets29/58€69k€101k▲
Stocks and contracts in progress3€14k€8k▼
Stocks30/36€14k€8k▼
Amounts receivable within one year40/41€23k€36k▲
Trade receivables40€6k€17k▲
Other amounts receivable41€17k€19k▲
Cash at bank and in hand54/58€30k€55k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€125k€145k▲
Equity10/15€15k€16k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€5k€6k▲
Amounts payable17/49€110k€129k▲
Amounts payable within one year42/48€110k€129k▲
Trade debts44€22k€28k▲
Suppliers440/4€22k€28k▲
Taxes, remuneration and social security45€21k€54k▲
Taxes450/3€5k€17k▲
Remuneration and social security454/9€16k€37k▲
Other amounts payable47/48€66k€47k▼
Income statement
Code20242025
Remuneration, social security and pensions62€282k€277k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€12k▼
Other operating charges640/8€4k€12k▲
Gross operating margin9900€317k€303k▼
Operating profit (loss)9901€18k€3k▼
Financial income75/76B€545€1k▲
Recurring financial income75€545€1k▲
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€15k€794▼
Profit (loss) for the period9904€15k€794▼
Profit (loss) for the period to be appropriated9905€15k€794▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€6k▲
Profit (loss) brought forward from the previous period14P€-9k€5k▲
Social balance
Average headcount (FTE)90877.88.1▲
The notes to these accounts (6 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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
15-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Back to profitnet €15k
Net result €15k after 2 loss-making years.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
29-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Back to profitnet €34k
Net result €34k after one loss-making year.
31-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Sint-Gillis-Waas · 1 establishment unit since 2019
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.
Reepstraat(SGW) 2089170 Sint-Gillis-WaasGround area
7,814 m²
Building footprint
2,322 m²
Volume, LiDAR
20,619 m³
Parcel 46020C1422/00H000, Flanders · tallest building 19.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Brouwerijcafé BTM
since 20192.290.448.627
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46020C1422/00H000 | Flanders | 7,814 m² | 1 · 2,322 m² | 19.0 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 siteSint-Gillis-Waas2.290.448.627
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Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 3,899 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-06-2019
Fiscal year end30-09
Activities, NACEBEL
56301Cafés and bars
47251Retail sale of wines and spirits
47640Retail sale of games and toys
47650Retail trade
56101Full-service restaurants
56111Full-service restaurants
68203Renting and operating of own or leased non-residential real estate, excluding land
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.