Café De Max

Active

Private limited companyfounded 20205 yrs activeVelodroomstraat(HRT) 26, 2200 Herentals, BelgiumKBO/BCE: BE 0758.967.293

The computed 12-month bankruptcy probability of Café De Max is 3.4% (moderate). The 2025 annual accounts show equity of €31k and a net result of €11k. Equity is growing by ~16.7% per year across the filed fiscal years. Its solvency ranks better than 44% of 3663 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

57 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability79▲+9

Solvency49▲+8

Growth52▲+20

Track record94

Bankruptcy probability, 12 months

3.4% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1.5k at 30 days acceptable

Liquidity short (current ratio 0.79 against 0.68 in 2024; short-term debt: 59.9% and cash: 35% of total assets), and 75.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

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 →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

24.1%

Return on assets

8.6%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-07-2026, 17 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

17 d early

2024

27 d late

2023

30 d late

2022

18 d late

2021

11 d early

← before the deadline after the deadline →

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 months

Position in the running window

20-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity

€31k▲ 55.2%

2024 · €20k

2021: €26k 2022: €10k 2023: €19k 2024: €20k

2021 → 2025

Total assets

€129k▲ 5.5%

2024 · €122k

2021: €138k 2022: €138k 2023: €130k 2024: €122k

2021 → 2025

Net result

€11k▲ 853%

2024 · €1k

2021: €25k 2022: €-16k 2023: €9k 2024: €1k

2021 → 2025

Working capital

€-16k▲ 27.0%

2024 · €-22k

2021: €2k 2022: €-22k 2023: €-16k 2024: €-22k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€26k-€10k▼ 62.0%€19k▲ 92.9%€20k▲ 6.1%€31k▲ 55.2%

Operating result€28k-€-14k€11k€3k▼ 75.3%€14k▲ 419%

Net result€25k-€-16k€9k€1k▼ 87.3%€11k▲ 853%

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 419% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €129k

52.5%

47.5%

Fixed assets €68k▼ 11.0%

Current assets €61k▲ 32.5%

Equity and liabilities €129k

24.1%

75.9%

Equity €31k▲ 55.2%

Debt €98k▼ 4.3%

The debt ratio falls from 83.6% to 75.9%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€28k▲

2024 · €18k

Cash flow

€25k▲

2024 · €16k

Solvency

24.1%▲

2024 · 16.4%

Current ratio

0.79▲

2024 · 0.68

Quick ratio

0.66▲

2024 · 0.52

Debt / equity

3.15▼

2024 · 5.10

ROE

35.5%▲

2024 · 5.8%

ROA

8.6%▲

2024 · 0.9%

Interest coverage

18.13▲

2024 · 10.65

Debt

€98k▼

2024 · €102k

Debt ≤ 1 year

€77k▲

2024 · €68k

Debt > 1 year

€18k▼

2024 · €32k

Income taxes

€1k

Staff costs

€30k▲

2024 · €24k

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€122k€129k▲

Fixed assets21/28€76k€68k▼

Intangible fixed assets21€59k€49k▼

Tangible fixed assets22/27€8k€10k▲

Plant, machinery and equipment23€6k€4k▼

Furniture and vehicles24€2k€5k▲

Financial fixed assets28€9k€9k=

Current assets29/58€46k€61k▲

Stocks and contracts in progress3€11k€10k▼

Stocks30/36€11k€10k▼

Amounts receivable within one year40/41€2k€6k▲

Trade receivables40€1k€5k▲

Other amounts receivable41€790€647▼

Cash at bank and in hand54/58€33k€45k▲

Deferred charges and accrued income490/1€256€262▲

Equity and liabilities

Total equity and liabilities10/49€122k€129k▲

Equity10/15€20k€31k▲

Contributions10/11€1k€1k=

Reserves13€25k€25k=

Distributable reserves133€25k€25k=

Profit (loss) carried forward14€-6k€5k▲

Amounts payable17/49€102k€98k▼

Amounts payable after more than one year17€32k€18k▼

Financial debts170/4€32k€18k▼

Amounts payable within one year42/48€68k€77k▲

Current portion of amounts payable after more than one year42€14k€13k▼

Trade debts44€19k€23k▲

Suppliers440/4€19k€23k▲

Advances received on contracts in progress46€3k€6k▲

Taxes, remuneration and social security45€19k€21k▲

Taxes450/3€12k€13k▲

Remuneration and social security454/9€7k€8k▲

Other amounts payable47/48€14k€14k▼

Accrued charges and deferred income492/3€2k€2k▲

Income statement Code20242025

Remuneration, social security and pensions62€24k€30k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€14k▼

Other operating charges640/8€2k€2k▼

Gross operating margin9900€44k€60k▲

Operating profit (loss)9901€3k€14k▲

Financial income75/76B€148€60▼

Recurring financial income75€148€60▼

Financial charges65/66B€2k€2k▼

Recurring financial charges65€2k€2k▼

Profit (loss) for the period before taxes9903€1k€13k▲

Income taxes67/77-€1k

Profit (loss) for the period9904€1k€11k▲

Profit (loss) for the period to be appropriated9905€1k€11k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-6k€5k▲

Profit (loss) brought forward from the previous period14P€-7k€-6k▲

Social balance

Average headcount (FTE)90871.01.1▲

The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 2Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

14-07

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

27-08

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema · 27 days late

2024

30-08

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema · 30 days late

2023

31-12

Financial Back to profitnet €9k

Net result €9k after one loss-making year.

18-08

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema · 18 days late

2022

31-12

Financial Weakest financial yearnet €-16k ▼165%

Net result drops to €-16k, the lowest in the series; recovery starts the following year.

20-07

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

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, Herentals · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Velodroomstraat(HRT) 262200 Herentals

Ground area

505 m²

Building footprint

232 m²

Volume, LiDAR

1,050 m³

2 parcels, Flanders · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Café De Max

Nieuwstraat(HRT) 16, 2200 HerentalsLimited-service restaurants

since 20202.310.680.154

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
13302C0546/00P005	Flanders	365 m²	1 · 77 m²	0.6 m
13011F0264/00L003	Flanders	140 m²	1 · 155 m²	11.2 m · 2 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 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

1 site

Herentals2.310.680.154

1 permission

Drankgelegenheid · since 01-12-2020

Similar companies · same sector, comparable size

LV166

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Mol · Eq €31k

LES DELICES DE MON AFRIQUE

Sambreville · Eq €31k

Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 4,113 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded01-12-2020

Fiscal year end31-12

Activities, NACEBEL

56301Cafés and bars

56102Limited-service restaurants

56112Limited-service restaurants, excluding mobile food services

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.