CAFE DE VALK
ActiveThe computed 12-month bankruptcy probability of CAFE DE VALK is 1.6% (moderate). The 2024 annual accounts show equity of €20k and a net result of €5k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 70% of 18939 sector peers (fiscal year 2024). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability84▼-6
Solvency78=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.37 against 1.58 in 2023; short-term debt: 47.4% and cash: 2.1% of total assets), and 47.4% of the assets are financed with debt.
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
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 →
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
52.6%
Return on assets
12.1%
Age of the figures
21 mo
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €20k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-09-2025, 56 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
not confirmed
2024
56 d late
2023
14 d late
2022
29 d late
2021
26 d late
2020
30 d late
2019
35 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€136k
EBIT margin
1.9%
Net result
€5k▼ 8.0%
2023 · €5k
2018: €6k
2019: €8k
2020: €-11k
2021: €-19k
2022: €-7k
2023: €5k
2018 → 2024
Working capital
€7k▼ 14.4%
2023 · €8k
2018: €35k
2019: €38k
2020: €28k
2021: €7k
2022: €5k
2023: €8k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€36k-€18k▼ 51.1%€10k▼ 41.1%€16k▲ 47.9%€20k▲ 29.8%
Operating result€-8k-€-16k▼ 101%€-7k▲ 56.9%€5k€5k▼ 6.3%
Net result€-11k-€-19k▼ 69.8%€-7k▲ 60.7%€5k€5k▼ 8.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 6% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €38k
Fixed assets
€13k▲ 75.5%
Current assets
€25k▲ 16.2%
Equity and liabilities €38k
Equity
€20k▲ 29.8%
Debt
€18k▲ 34.1%
The debt ratio rises from 46.6% to 47.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€8k▲
2023 · €7k
Cash flow
€7k▲
2023 · €7k
Solvency
52.6%▼
2023 · 53.4%
Current ratio
1.37▼
2023 · 1.58
Quick ratio
1.13▼
2023 · 1.22
Debt / equity
0.90▲
2023 · 0.87
ROE
23.0%▼
2023 · 32.4%
ROA
12.1%▼
2023 · 17.3%
Interest coverage
20.88▼
2023 · 24.22
Debt
€18k▲
2023 · €14k
Debt ≤ 1 year
€18k▲
2023 · €14k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€29k€38k▲
Fixed assets21/28€8k€13k▲
Tangible fixed assets22/27€7k€13k▲
Plant, machinery and equipment23€675€360▼
Furniture and vehicles24€5k€7k▲
Other tangible fixed assets26€848€5k▲
Financial fixed assets28€800€800=
Current assets29/58€21k€25k▲
Stocks and contracts in progress3€5k€4k▼
Stocks30/36€5k€4k▼
Amounts receivable within one year40/41€15k€20k▲
Trade receivables40-€605
Other amounts receivable41€15k€19k▲
Cash at bank and in hand54/58€1k€800▼
Deferred charges and accrued income490/1€227-
Equity and liabilities
Total equity and liabilities10/49€29k€38k▲
Equity10/15€16k€20k▲
Contributions10/11€12k€12k=
Outside capital11€12k€12k=
Other1109/19€12k€12k=
Reserves13€9k€9k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€7k€7k=
Profit (loss) carried forward14€-6k€-2k▲
Amounts payable17/49€14k€18k▲
Amounts payable within one year42/48€14k€18k▲
Trade debts44€11k€13k▲
Suppliers440/4€11k€13k▲
Taxes, remuneration and social security45€2k€5k▲
Taxes450/3€2k€5k▲
Income statement
Code20232024
Goods, raw materials, services and sundry goods60/61€85k€92k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€682€402▼
Gross operating margin9900€8k€8k▲
Operating profit (loss)9901€5k€5k▼
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€292€361▲
Recurring financial charges65€292€361▲
Profit (loss) for the period before taxes9903€5k€5k▼
Profit (loss) for the period9904€5k€5k▼
Profit (loss) for the period to be appropriated9905€5k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€-2k▲
Profit (loss) brought forward from the previous period14P€-11k€-6k▲
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
2025
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 56 days late
2024
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
31-12
Financial
Back to profitnet €5k
Net result €5k after 3 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Weakest financial yearnet €-19k
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 35 days late
2019
31-12
Financial
Highest result since 2018net €8k ▲31.1%
Operating result €10k, net result €8k, both a record.
19-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 50 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
2016
29-07
NBB filing
Annual accounts filed
fiscal year 2015 · 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, Malle · 1 establishment unit since 2006
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.
Lierselei 222390 MalleGround area
214 m²
Building footprint
154 m²
Volume, LiDAR
978 m³
Parcel 11032D0288/00R002, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Café De Valk
since 20062.156.656.230
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11032D0288/00R002 | Flanders | 214 m² | 1 · 154 m² | 9.2 m · 2 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 siteMalle2.156.656.230
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BE 1010.895.891
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BISCHOFFSHEIM MANAGEMENT
BE 0723.487.267
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Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 3,999 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded13-09-2006
Fiscal year end31-12
Activities, NACEBEL
55401
56301Cafés and bars
42110Construction of roads and motorways
53200Other postal and courier activities
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
64120
Sources
Crossroads Bank for EnterprisesNational Bank · 18 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.