CAFÉ COMMERCE
ActiveSummary
CAFÉ COMMERCE has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €270,559 and a net result of €54,000. Equity is growing by ~44.4% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability90▼-2
Solvency100▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22,000 at 30 days acceptable
Liquidity ample (current ratio 3.66 against 2.49 in 2023; short-term debt: 16.1% and cash: 47.3% of total assets), and 16.1% of the assets are financed with debt.
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Signals
Three 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
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 22-06-2026, 39 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
39 d early
2024
28 d early
2023
16 d early
2022
61 d early
2021
25 d late
2020
17 d late
2019
13 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 13 days before 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. Usually files around 3 July (4 of the last 5 filed years within 33 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, abbreviated schema
Equity
€270,559▲ 24.9%
2023 · €216,559
Total assets
€322,620▲ 3.5%
2023 · €311,809
Net result
€54,000▼ 5.3%
2023 · €57,000
Working capital
€138,482▼ 2.3%
2023 · €141,756
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€54,203▲ 238%€134,711▲ 149%€100,418▼ 25.5%€79,506▼ 20.8%€71,541▼ 10.0%
Net result€34,000above the sector's middle half▲ 339%€102,000above the sector's middle half▲ 200%€66,000within the sector's middle half▼ 35.3%€57,000within the sector's middle half▼ 13.6%€54,000within the sector's middle half▼ 5.3%
Equity€77,089above the sector's middle half▲ 78.9%€129,089above the sector's middle half▲ 67.5%€195,089within the sector's middle half▲ 51.1%€216,559within the sector's middle half▲ 11.0%€270,559within the sector's middle half▲ 24.9%
Total assets€113,151within the sector's middle half▲ 17.4%€224,459above the sector's middle half▲ 98.4%€281,831within the sector's middle half▲ 25.6%€311,809within the sector's middle half▲ 10.6%€322,620within the sector's middle half▲ 3.5%
Debt€36,061▼ 32.3%€95,370▲ 164%€86,741▼ 9.0%€95,250▲ 9.8%€52,060▼ 45.3%
Working capital€32,999above the sector's middle half▲ 16.2%€84,347above the sector's middle half▲ 156%€109,570within the sector's middle half▲ 29.9%€141,756within the sector's middle half▲ 29.4%€138,482within the sector's middle half▼ 2.3%
Solvency68.1%above the sector's middle half▲ 23.4pp57.5%within the sector's middle half▼ 10.6pp69.2%above the sector's middle half▲ 11.7pp69.5%above the sector's middle half▲ 0.2pp83.9%above the sector's middle half▲ 14.4pp
Current ratio2.27above the sector's middle half▲ 0.551.95within the sector's middle half▼ 0.322.30above the sector's middle half▲ 0.352.49above the sector's middle half▲ 0.193.66above the sector's middle half▲ 1.17
Return on assets (ROA)30.0%above the sector's middle half▲ 22.0pp45.4%above the sector's middle half▲ 15.4pp23.4%above the sector's middle half▼ 22.0pp18.3%above the sector's middle half▼ 5.1pp16.7%above the sector's middle half▼ 1.5pp
Staff (FTE)6above the sector's middle half▲ 15.4%19.8▲ 230%33.1above the sector's middle half▲ 67.2%37.3above the sector's middle half▲ 12.7%
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Why a figure moved sharply
- 2022 Staff (FTE) +67% on 2021. The accounts now follow the abbreviated schema, last year the micro schema.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2024 is 10% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €322,620
Fixed assets
€132,077 ▲ 76.6%
Current assets
€190,542 ▼ 19.6%
Equity and liabilities €322,620
Equity
€270,559 ▲ 24.9%
Debt
€52,060 ▼ 45.3%
Debt's share of the balance-sheet total falls from 30.5% to 16.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€107,895▲
2023 · €103,834
Cash flow
€90,354▲
2023 · €81,328
Quick ratio
3.53▲
2023 · 2.42
Debt to equity
0.19▼
2023 · 0.44
ROE
20.0%▼
2023 · 26.3%
Interest coverage
7354.81▲
2023 · 963.66
Debt ≤ 1 year
€52,060▼
2023 · €95,250
Income taxes
€18,348▼
2023 · €22,429
Staff costs
€410,545=
2023 · €410,573
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,370 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.5%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.3% 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 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 31,370 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €182,112 | €330,447 | €410,573 | €410,545 | = |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,441 | €13,858 | €16,919 | €24,328 | €36,354 | ▲ 49.4% |
| Other operating charges640/8 | - | - | €15,568 | €753 | €818 | ▲ 8.6% |
| Gross operating margin9900 | €181,370 | €330,681 | €463,351 | €515,160 | €519,257 | ▲ 0.8% |
| Operating profit (loss)9901 | €54,203 | €134,711 | €100,418 | €79,506 | €71,541 | ▼ 10.0% |
| Financial income75/76B | - | - | - | €31 | €821 | ▲ 2,574% |
| Recurring financial income75 | €4 | - | - | €31 | €821 | ▲ 2,574% |
| Financial charges65/66B | - | €550 | €2,369 | €108 | €15 | ▼ 86.4% |
| Recurring financial charges65 | €372 | €550 | €2,369 | €108 | €15 | ▼ 86.4% |
| Profit (loss) for the period before taxes9903 | €53,836 | €134,161 | €98,049 | €79,429 | €72,348 | ▼ 8.9% |
| Income taxes67/77 | €19,836 | €32,161 | €32,049 | €22,429 | €18,348 | ▼ 18.2% |
| Profit (loss) for the period9904 | €34,000 | €102,000 | €66,000 | €57,000 | €54,000 | ▼ 5.3% |
| Profit (loss) for the period to be appropriated9905 | €34,000 | €102,000 | €66,000 | €57,000 | €54,000 | ▼ 5.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €113,151 | €224,459 | €281,831 | €311,809 | €322,620 | ▲ 3.5% |
| Fixed assets21/28 | €54,194 | €51,115 | €88,094 | €74,803 | €132,077 | ▲ 76.6% |
| Tangible fixed assets22/27 | €52,373 | €49,294 | €86,272 | €72,982 | €130,256 | ▲ 78.5% |
| Plant, machinery and equipment23 | - | €34,316 | €34,799 | €27,855 | €34,689 | ▲ 24.5% |
| Furniture and vehicles24 | - | €379 | €30,776 | €24,006 | €35,814 | ▲ 49.2% |
| Other tangible fixed assets26 | - | €14,599 | €20,697 | €21,121 | €59,753 | ▲ 183% |
| Financial fixed assets28 | €1,821 | €1,821 | €1,821 | €1,821 | €1,821 | = |
| Current assets29/58 | €58,956 | €173,344 | €193,737 | €237,006 | €190,542 | ▼ 19.6% |
| Stocks and contracts in progress3 | €8,867 | €8,867 | €6,867 | €6,867 | €6,867 | = |
| Stocks30/36 | - | €8,867 | €6,867 | €6,867 | €6,867 | = |
| Amounts receivable within one year40/41 | €1,912 | €2,482 | €2,523 | €39,640 | €30,938 | ▼ 22.0% |
| Trade receivables40 | - | €223 | €94 | €34,230 | €28,645 | ▼ 16.3% |
| Other amounts receivable41 | - | €2,259 | €2,429 | €5,410 | €2,294 | ▼ 57.6% |
| Cash at bank and in hand54/58 | €48,178 | €161,994 | €184,347 | €190,499 | €152,737 | ▼ 19.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €113,151 | €224,459 | €281,831 | €311,809 | €322,620 | ▲ 3.5% |
| Equity10/15 | €77,089 | €129,089 | €195,089 | €216,559 | €270,559 | ▲ 24.9% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | - | - | - |
| Reserves13 | €58,489 | €110,489 | €176,489 | €216,559 | €270,559 | ▲ 24.9% |
| Non-distributable reserves130/1 | - | €930 | €930 | - | - | - |
| Reserves not available under the articles1311 | - | €930 | €930 | - | - | - |
| Distributable reserves133 | - | €109,559 | €175,559 | €216,559 | €270,559 | ▲ 24.9% |
| Profit (loss) carried forward14 | -€1,748 | - | - | - | - | - |
| Amounts payable17/49 | €36,061 | €95,370 | €86,741 | €95,250 | €52,060 | ▼ 45.3% |
| Amounts payable after more than one year17 | €10,104 | €6,373 | €2,574 | - | - | - |
| Financial debts170/4 | - | €6,373 | €2,574 | - | - | - |
| Amounts payable within one year42/48 | €25,958 | €88,997 | €84,167 | €95,250 | €52,060 | ▼ 45.3% |
| Trade debts44 | €9,392 | €14,007 | €6,248 | €301 | €16,051 | ▲ 5,233% |
| Suppliers440/4 | - | €14,007 | €6,248 | €301 | €16,051 | ▲ 5,233% |
| Taxes, remuneration and social security45 | - | €71,709 | €77,299 | €84,257 | €22,467 | ▼ 73.3% |
| Taxes450/3 | - | €54,270 | €44,244 | €54,265 | €4,836 | ▼ 91.1% |
| Remuneration and social security454/9 | - | €17,439 | €33,056 | €29,992 | €17,631 | ▼ 41.2% |
| Other amounts payable47/48 | - | €3,281 | €620 | €10,692 | €13,542 | ▲ 26.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €34,000 | €102,000 | €66,000 | €57,000 | €54,000 | ▼ 5.3% |
| + Depreciation and write-downs630 | €7,441 | €13,858 | €16,919 | €24,328 | €36,354 | ▲ 49.4% |
| Operating cash flow (approximation) | €41,441 | €115,858 | €82,919 | €81,328 | €90,354 | ▲ 11.1% |
| Investment in fixed assets (approximation) | - | -€10,779 | -€53,897 | -€11,038 | -€93,627 | ▼ 748% |
| Change in cash | - | €113,817 | €22,352 | €6,152 | -€37,762 | ▼ 714% |
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
22-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €200,000Eq €216,559 ▲11%
5 profitable years in a row build equity to €216,559.
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €150,000Eq €195,089 ▲51.1%
4 profitable years in a row build equity to €195,089.
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Highest result since 2018net €102,000 ▲200%
Operating result €134,711, net result €102,000, both a record.
31-12
Financial
Equity above €100,000Eq €129,089 ▲67.5%
3 profitable years in a row build equity to €129,089.
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
13-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 13 days late
2019
31-12
Financial
Back to profitnet €7,748
Net result €7,748 after one loss-making year.
Show earlier events
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 19 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 23 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Leuven · 1 establishment unit since 2003
Ground area
104 m²
Building footprint
104 m²
Volume, LiDAR
1,509 m³
Parcel 24502B0738/00G000, Flanders · tallest building 18.4 m, ±5 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Café Commerce
since 20032.199.077.991
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24502B0738/00G000 | Flanders | 104 m² | 1 · 104 m² | 18.4 m · 5 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 siteLeuven2.199.077.991
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Of 14,002 companies in sector 56301 we hold annual accounts for 4,896. 2,757 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
Founded03-10-2003
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
56111Full-service restaurants
68203Renting and operating of own or leased non-residential real estate, excluding land
77223Rental and leasing activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0861051677
Also
9925:BE0861051677
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.