Cafe Fringale
ActiveThe computed 12-month bankruptcy probability of Cafe Fringale is 4.0% (elevated). The 2025 annual accounts show equity of €20k and a net result of €9k. Its solvency ranks better than 37% of 13240 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+7
Solvency40▲+4
Growth78
Track record82
Bankruptcy probability, 12 months
4.0%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity short (current ratio 0.58 against 0.59 in 2024; short-term debt: 70% and cash: 6.6% of total assets), and 84.6% 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 →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
15.4%
Return on assets
6.9%
Age of the figures
9 mo
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 29-07-2026, 2 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
2 d early
2024
60 d late
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€20k▲ 79.7%
2024 · €11k
2024: €11k
2024 → 2025
Total assets
€130k▲ 32.6%
2024 · €98k
2024: €98k
2024 → 2025
Net result
€9k▲ 8.9%
2024 · €8k
2024: €8k
2024 → 2025
Working capital
€-38k▼ 5.6%
2024 · €-36k
2024: €-36k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€11k-€20k▲ 79.7%
Operating result€15k-€12k▼ 17.6%
Net result€8k-€9k▲ 8.9%
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 2025; 2025 is 18% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €130k
Fixed assets
€77k▲ 63.2%
Current assets
€53k▲ 4.1%
Equity and liabilities €130k
Equity
€20k▲ 79.7%
Debt
€110k▲ 26.5%
The debt ratio falls from 88.6% to 84.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€25k▲
2024 · €20k
Cash flow
€21k▲
2024 · €13k
Solvency
15.4%▲
2024 · 11.4%
Current ratio
0.58▼
2024 · 0.59
Quick ratio
0.47▼
2024 · 0.57
Debt / equity
5.48▼
2024 · 7.78
ROE
44.4%▼
2024 · 73.2%
ROA
6.9%▼
2024 · 8.3%
Interest coverage
53.33▲
2024 · 4.92
Debt
€110k▲
2024 · €87k
Debt ≤ 1 year
€91k▲
2024 · €87k
Debt > 1 year
€19k
Income taxes
€3k▲
2024 · €3k
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€98k€130k▲
Fixed assets21/28€47k€77k▲
Intangible fixed assets21€2k€1k▼
Tangible fixed assets22/27€46k€76k▲
Plant, machinery and equipment23€11k€33k▲
Furniture and vehicles24€21k€33k▲
Other tangible fixed assets26€13k€10k▼
Current assets29/58€51k€53k▲
Stocks and contracts in progress3€959€10k▲
Stocks30/36€959€10k▲
Amounts receivable within one year40/41€46k€34k▼
Trade receivables40€46k€34k▼
Other amounts receivable41-€158
Cash at bank and in hand54/58€3k€9k▲
Deferred charges and accrued income490/1€715€434▼
Equity and liabilities
Total equity and liabilities10/49€98k€130k▲
Equity10/15€11k€20k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€8k€17k▲
Amounts payable17/49€87k€110k▲
Amounts payable after more than one year17-€19k
Financial debts170/4-€19k
Amounts payable within one year42/48€87k€91k▲
Trade debts44€11k€15k▲
Suppliers440/4€11k€15k▲
Taxes, remuneration and social security45€11k€10k▼
Taxes450/3€5k€10k▲
Remuneration and social security454/9€6k€0▼
Other amounts payable47/48€64k€67k▲
Income statement
Code20242025
Non-recurring operating income76A-€8k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€12k▲
Other operating charges640/8€118€2k▲
Non-recurring operating charges66A-€5k
Gross operating margin9900€20k€32k▲
Operating profit (loss)9901€15k€12k▼
Financial income75/76B€10€194▲
Recurring financial income75€10€194▲
Financial charges65/66B€4k€464▼
Recurring financial charges65€4k€464▼
Profit (loss) for the period before taxes9903€11k€12k▲
Income taxes67/77€3k€3k▲
Profit (loss) for the period9904€8k€9k▲
Profit (loss) for the period to be appropriated9905€8k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€17k▲
Profit (loss) brought forward from the previous period14P-€8k
The notes to these accounts (15 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
NBB filing
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, Zoersel · 1 establishment unit since 2024
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.
Kerkstraat 192980 ZoerselGround area
1,979 m²
Building footprint
206 m²
Volume, LiDAR
845 m³
Parcel 11055C0074/00T000, Flanders · tallest building 7.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Cafe Fringale
since 20242.361.139.158
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11055C0074/00T000 | Flanders | 1,979 m² | 1 · 206 m² | 7.5 m · 1 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 siteZoersel2.361.139.158
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Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 4,001 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-06-2024
Fiscal year end31-12
Activities, NACEBEL
56301Cafés and bars
47120Other non-specialised retail sale
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47910Retail trade
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.