CAFE NAPOLEON
ActiveThe computed 12-month bankruptcy probability of CAFE NAPOLEON is 1.7% (moderate). The 2025 annual accounts show equity of €28k and a net result of €-8k. Equity is shrinking by ~5.6% per year across the filed fiscal years. Its solvency ranks better than 33% of 13061 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
15
/ 100
Critical▼ -36 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency7=
Growth32=
Stability100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.07 against 0.16 in 2024), and 90.2% 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 2025Solvency, return and age of the figures
Solvency
9.8%
Return on assets
-2.9%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 24-04-2026, 6 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
6 d early
2024
1 d early
2023
4 d early
2022
39 d early
2021
8 d early
2020
on the day
2019
7 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
14-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€28k▼ 22.9%
2024 · €36k
2018: €41k
2019: €38k
2020: €51k
2021: €35k
2022: €21k
2023: €25k
2024: €36k
2018 → 2025
Total assets
€284k▼ 11.9%
2024 · €322k
2018: €433k
2019: €396k
2020: €395k
2021: €370k
2022: €356k
2023: €333k
2024: €322k
2018 → 2025
Net result
€-8k
2024 · €11k
2018: €13k
2019: €-3k
2020: €13k
2021: €-17k
2022: €-13k
2023: €4k
2024: €11k
2018 → 2025
Working capital
€-195k▼ 8.6%
2024 · €-179k
2018: €-111k
2019: €-139k
2020: €-135k
2021: €-166k
2022: €-185k
2023: €-187k
2024: €-179k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€35k-€21k▼ 38.4%€25k▲ 18.0%€36k▲ 43.0%€28k▼ 22.9%
Operating result€-5k-€-6k▼ 14.0%€11k€16k▲ 54.5%€177▼ 98.9%
Net result€-17k-€-13k▲ 20.4%€4k€11k▲ 182%€-8k
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 99% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €284k
Fixed assets
€268k▼ 6.5%
Current assets
€15k▼ 55.9%
Equity and liabilities €284k
Equity
€28k▼ 22.9%
Debt
€256k▼ 10.5%
The debt ratio rises from 88.8% to 90.2%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€18k▼
2024 · €38k
Cash flow
€10k▼
2024 · €33k
Solvency
9.8%▼
2024 · 11.2%
Current ratio
0.07▼
2024 · 0.16
Quick ratio
0.04▼
2024 · 0.13
Debt / equity
9.22▲
2024 · 7.95
ROE
-29.7%▼
2024 · 30.1%
ROA
-2.9%▼
2024 · 3.4%
Interest coverage
2.23▼
2024 · 6.89
Debt
€256k▼
2024 · €286k
Debt ≤ 1 year
€210k▼
2024 · €214k
Debt > 1 year
€46k▼
2024 · €72k
Income taxes
€163▲
2024 · €42
Staff costs
€558
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€322k€284k▼
Fixed assets21/28€287k€268k▼
Tangible fixed assets22/27€286k€267k▼
Land and buildings22€274k€260k▼
Plant, machinery and equipment23€12k€7k▼
Financial fixed assets28€1k€864▼
Current assets29/58€35k€15k▼
Stocks and contracts in progress3€7k€6k▼
Stocks30/36€7k€6k▼
Amounts receivable within one year40/41€8k€668▼
Trade receivables40€2k-
Other amounts receivable41€6k€668▼
Cash at bank and in hand54/58€20k€9k▼
Equity and liabilities
Total equity and liabilities10/49€322k€284k▼
Equity10/15€36k€28k▼
Contributions10/11€19k€19k=
Reserves13€33k€10k▼
Distributable reserves133€33k€10k▼
Profit (loss) carried forward14€-15k€-900▲
Amounts payable17/49€286k€256k▼
Amounts payable after more than one year17€72k€46k▼
Financial debts170/4€72k€46k▼
Amounts payable within one year42/48€214k€210k▼
Current portion of amounts payable after more than one year42€33k€35k▲
Trade debts44€9k€12k▲
Suppliers440/4€9k€12k▲
Taxes, remuneration and social security45€6k€4k▼
Taxes450/3€4k€2k▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€167k€159k▼
Income statement
Code20242025
Remuneration, social security and pensions62-€558
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€18k▼
Other operating charges640/8€4k€6k▲
Gross operating margin9900€43k€25k▼
Operating profit (loss)9901€16k€177▼
Financial income75/76B€27€16▼
Recurring financial income75€27€16▼
Financial charges65/66B€6k€8k▲
Recurring financial charges65€6k€8k▲
Profit (loss) for the period before taxes9903€11k€-8k▼
Income taxes67/77€42€163▲
Profit (loss) for the period9904€11k€-8k▼
Profit (loss) for the period to be appropriated9905€11k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€-24k▼
Profit (loss) brought forward from the previous period14P€-26k€-15k▲
Transfer from equity791/2-€23k
The notes to these accounts (9 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
24-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
22-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Weakest financial yearnet €-17k ▼228%
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
23-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
02-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Zelzate · 1 establishment unit since 2012
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.
Oostkade 89060 ZelzateGround area
422 m²
Building footprint
393 m²
Volume, LiDAR
2,373 m³
Parcel 43018A0497/00X002, Flanders · tallest building 13.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CAFE NAPOLEON
since 20122.213.078.259
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43018A0497/00X002 | Flanders | 422 m² | 1 · 393 m² | 13.1 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 siteZelzate2.213.078.259
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Of 13,832 companies in sector 56301 we hold annual accounts for 4,808. 4,007 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-07-2012
Fiscal year end30-09
Activities, NACEBEL
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.