BUVE
ActiveSummary
BUVE has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €110,796 and a net result of €10,233. Equity is growing by ~8.7% per year across the filed fiscal years. Its solvency ranks better than 66% of 3757 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability38▲+2
Solvency71▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 1.58 against 1.55 in 2024; short-term debt: 54.1% and cash: 2.2% of total assets), but 54.1% of the assets are financed with debt.
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Signals
Four 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
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← 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
45.9%
Return on assets
4.2%
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 22-08-2026, 22 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
22 d late
2024
53 d late
2023
45 d late
2022
215 d late
2021
198 d late
2020
19 d late
2019
91 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 92 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 52% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€110,796▲ 10.2%
2024 · €100,564
Total assets
€241,508▲ 17.7%
2024 · €205,248
Net result
€10,233▲ 17.3%
2024 · €8,726
Working capital
€75,810▲ 31.0%
2024 · €57,863
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€21,373▼ 9.4%-€3,728€15,827€29,557▲ 86.7%€39,790▲ 34.6%
Net result€20,237▼ 5.7%-€8,320€8,576€8,726▲ 1.7%€10,233▲ 17.3%
Equity€91,582▲ 16.2%€83,262▼ 9.1%€91,838▲ 10.3%€100,564▲ 9.5%€110,796▲ 10.2%
Total assets€197,993▼ 16.8%€200,302▲ 1.2%€159,940▼ 20.2%€205,248▲ 28.3%€241,508▲ 17.7%
Debt€106,411▼ 33.2%€117,040▲ 10.0%€68,102▼ 41.8%€104,684▲ 53.7%€130,711▲ 24.9%
Working capital€26,738▲ 926%€27,419▲ 2.5%€40,661▲ 48.3%€57,863▲ 42.3%€75,810▲ 31.0%
Staff (FTE)1
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 35% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €241,508
Fixed assets
€34,987 ▼ 18.1%
Current assets
€206,521 ▲ 27.1%
Equity and liabilities €241,508
Equity
€110,796 ▲ 10.2%
Debt
€130,711 ▲ 24.9%
Debt's share of the balance-sheet total rises from 51.0% to 54.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€48,105▲
2024 · €38,672
Cash flow
€18,547▲
2024 · €17,841
Current ratio
1.58▲
2024 · 1.55
Quick ratio
1.52▲
2024 · 1.48
Debt to equity
1.18▲
2024 · 1.04
ROE
9.2%▲
2024 · 8.7%
ROA
4.2%▼
2024 · 4.3%
Interest coverage
1.62▲
2024 · 1.39
Debt ≤ 1 year
€130,711▲
2024 · €104,684
Staff costs
€9,170▲
2024 · €5,466
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 16,986 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 16,986 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €2,695 | €6,996 | €4,603 | €5,466 | €9,170 | ▲ 67.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,297 | €8,256 | €9,058 | €9,115 | €8,314 | ▼ 8.8% |
| Other operating charges640/8 | €2,561 | €1,226 | €4,327 | €3,509 | €2,097 | ▼ 40.3% |
| Gross operating margin9900 | €38,925 | €12,750 | €33,815 | €47,647 | €59,371 | ▲ 24.6% |
| Operating profit (loss)9901 | €21,373 | -€3,728 | €15,827 | €29,557 | €39,790 | ▲ 34.6% |
| Financial income75/76B | €6,783 | - | €1,311 | €6,977 | €89 | ▼ 98.7% |
| Recurring financial income75 | €6,783 | - | €1,311 | €6,977 | €89 | ▼ 98.7% |
| Financial charges65/66B | €1,780 | €4,466 | €8,562 | €27,808 | €29,647 | ▲ 6.6% |
| Recurring financial charges65 | €1,780 | €4,466 | €8,562 | €27,808 | €29,647 | ▲ 6.6% |
| Profit (loss) for the period before taxes9903 | €26,377 | -€8,194 | €8,576 | €8,726 | €10,233 | ▲ 17.3% |
| Income taxes67/77 | €6,140 | €126 | - | - | - | - |
| Profit (loss) for the period9904 | €20,237 | -€8,320 | €8,576 | €8,726 | €10,233 | ▲ 17.3% |
| Profit (loss) for the period to be appropriated9905 | €20,237 | -€8,320 | €8,576 | €8,726 | €10,233 | ▲ 17.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €197,993 | €200,302 | €159,940 | €205,248 | €241,508 | ▲ 17.7% |
| Fixed assets21/28 | €64,844 | €55,843 | €51,177 | €42,701 | €34,987 | ▼ 18.1% |
| Intangible fixed assets21 | €53,066 | €46,566 | €40,066 | €33,566 | €27,066 | ▼ 19.4% |
| Tangible fixed assets22/27 | €6,298 | €4,542 | €6,376 | €4,401 | €2,586 | ▼ 41.2% |
| Plant, machinery and equipment23 | €6,298 | €4,542 | €6,376 | €3,818 | €2,131 | ▼ 44.2% |
| Furniture and vehicles24 | - | - | - | €583 | €455 | ▼ 21.9% |
| Financial fixed assets28 | €5,481 | €4,735 | €4,735 | €4,735 | €5,335 | ▲ 12.7% |
| Current assets29/58 | €133,149 | €144,459 | €108,763 | €162,547 | €206,521 | ▲ 27.1% |
| Stocks and contracts in progress3 | - | €7,500 | €7,500 | €7,500 | €7,500 | = |
| Stocks30/36 | - | €7,500 | €7,500 | €7,500 | €7,500 | = |
| Amounts receivable within one year40/41 | €119,780 | €125,897 | €89,164 | €144,886 | €193,746 | ▲ 33.7% |
| Trade receivables40 | €14,389 | - | €2,135 | - | - | - |
| Other amounts receivable41 | €105,391 | €125,897 | €87,029 | €144,886 | €193,746 | ▲ 33.7% |
| Cash at bank and in hand54/58 | €13,123 | €11,062 | €12,099 | €10,161 | €5,275 | ▼ 48.1% |
| Deferred charges and accrued income490/1 | €246 | - | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €197,993 | €200,302 | €159,940 | €205,248 | €241,508 | ▲ 17.7% |
| Equity10/15 | €91,582 | €83,262 | €91,838 | €100,564 | €110,796 | ▲ 10.2% |
| Contributions10/11 | €6,197 | €6,197 | €6,197 | €6,197 | €6,197 | = |
| Capital10 | - | €6,197 | €6,197 | €6,197 | - | - |
| Issued capital100 | - | €18,600 | €18,600 | €18,600 | - | - |
| Uncalled capital101 | - | €12,403 | €12,403 | €12,403 | - | - |
| Reserves13 | €85,385 | €85,385 | €85,385 | €85,385 | €85,385 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Legal reserve130 | - | €1,860 | €1,860 | €1,860 | - | - |
| Reserves not available under the articles1311 | €1,860 | - | - | - | €1,860 | - |
| Distributable reserves133 | €83,525 | €83,525 | €83,525 | €83,525 | €83,525 | = |
| Profit (loss) carried forward14 | - | -€8,320 | €256 | €8,982 | €19,214 | ▲ 114% |
| Amounts payable17/49 | €106,411 | €117,040 | €68,102 | €104,684 | €130,711 | ▲ 24.9% |
| Amounts payable within one year42/48 | €106,411 | €117,040 | €68,102 | €104,684 | €130,711 | ▲ 24.9% |
| Current portion of amounts payable after more than one year42 | €27,276 | €23,616 | €19,731 | €15,842 | €11,958 | ▼ 24.5% |
| Financial debts43 | - | - | €19,292 | - | - | - |
| Credit institutions430/8 | - | - | €19,292 | - | - | - |
| Trade debts44 | €9,863 | €25,925 | - | €32,060 | €51,817 | ▲ 61.6% |
| Suppliers440/4 | €9,863 | €25,925 | - | €32,060 | €51,817 | ▲ 61.6% |
| Taxes, remuneration and social security45 | €21,723 | €31,859 | €29,079 | €56,782 | €66,936 | ▲ 17.9% |
| Taxes450/3 | €21,365 | €31,309 | €18,279 | €38,038 | €58,536 | ▲ 53.9% |
| Remuneration and social security454/9 | €358 | €550 | €10,800 | €18,744 | €8,400 | ▼ 55.2% |
| Other amounts payable47/48 | €47,549 | €35,640 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €20,237 | -€8,320 | €8,576 | €8,726 | €10,233 | ▲ 17.3% |
| + Depreciation and write-downs630 | €12,297 | €8,256 | €9,058 | €9,115 | €8,314 | ▼ 8.8% |
| Operating cash flow (approximation) | €32,534 | -€64 | €17,634 | €17,841 | €18,547 | ▲ 4.0% |
| Investment in fixed assets (approximation) | - | €745 | -€4,392 | -€639 | -€600 | ▲ 6.1% |
| Change in cash | - | -€2,061 | €1,037 | -€1,938 | -€4,886 | ▼ 152% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 22 days late
2025
22-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 53 days late
2024
31-12
Financial
Equity above €100,000Eq €100,564 ▲9.5%
2 profitable years in a row build equity to €100,564.
14-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 45 days late
02-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 215 days late
2023
31-12
Financial
Back to profitnet €8,576
Net result €8,576 after one loss-making year.
14-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 198 days late
2022
31-12
Financial
Weakest financial yearnet -€8,320
Net result drops to -€8,320, the lowest in the series; recovery starts the following year.
2021
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
31-12
Financial
Highest result since 2018net €21,459 ▲5,627%
Net result €21,459, the highest in the series.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Oostende · 1 establishment unit since 2001
Ground area
113 m²
Building footprint
112 m²
Volume, LiDAR
1,790 m³
Parcel 35013A0530/00C000, Flanders · tallest building 22.2 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Café Paarl
since 20012.116.213.267
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35013A0530/00C000 | Flanders | 113 m² | 1 · 112 m² | 22.2 m · 7 fl. |
Linked by address, not proof of ownership
Good to know
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 siteOostende2.116.213.267
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Of 14,005 companies in sector 56301 we hold annual accounts for 4,893. 3,606 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded17-01-2001
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
47279Other retail sale of food
E-invoicing
Reachable via Peppol
Peppol ID
0208:0473827776
Also
9925:BE0473827776
Registered
03-04-2025
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.