Caffè Rosario
ActiveThe computed 12-month bankruptcy probability of Caffè Rosario is 4.6% (elevated). The 2025 annual accounts show equity of €50k and a net result of €3k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 51% of 13090 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability33▲+6
Solvency45▲+9
Growth32=
Stability94
Bankruptcy probability, 12 months
4.6%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.76 against 0.79 in 2024), and 68.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
31.8%
Return on assets
2.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 4 filingsDeviation from the deadline
2025
30 d late
2024
35 d early
2023
28 d early
2022
26 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€50k▲ 0.7%
2024 · €50k
2022: €52k
2023: €47k
2024: €50k
2022 → 2025
Total assets
€158k▼ 16.1%
2024 · €189k
2022: €242k
2023: €201k
2024: €189k
2022 → 2025
Net result
€3k▲ 22.9%
2024 · €3k
2022: €42k
2023: €-4k
2024: €3k
2022 → 2025
Working capital
€-24k▼ 3.4%
2024 · €-23k
2022: €-22k
2023: €-16k
2024: €-23k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€52k-€47k▼ 8.4%€50k▲ 5.8%€50k▲ 0.7%
Operating result€61k-€7k▼ 88.3%€17k▲ 136%€14k▼ 16.8%
Net result€42k-€-4k€3k€3k▲ 22.9%
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 17% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €158k
Fixed assets
€85k▼ 18.3%
Current assets
€73k▼ 13.4%
Equity and liabilities €158k
Equity
€50k▲ 0.7%
Debt
€108k▼ 22.2%
The debt ratio falls from 73.5% to 68.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€35k▼
2024 · €41k
Cash flow
€24k▼
2024 · €27k
Solvency
31.8%▲
2024 · 26.5%
Current ratio
0.76▼
2024 · 0.79
Quick ratio
0.68▼
2024 · 0.73
Debt / equity
2.15▼
2024 · 2.78
ROE
6.7%▲
2024 · 5.5%
ROA
2.1%▲
2024 · 1.4%
Interest coverage
3.33▲
2024 · 3.24
Debt
€108k▼
2024 · €139k
Debt ≤ 1 year
€96k▼
2024 · €107k
Debt > 1 year
€7k▼
2024 · €29k
Income taxes
€630▼
2024 · €1k
Staff costs
€100k▼
2024 · €145k
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€189k€158k▼
Fixed assets21/28€105k€85k▼
Intangible fixed assets21€25k€21k▼
Tangible fixed assets22/27€80k€65k▼
Plant, machinery and equipment23€19k€12k▼
Furniture and vehicles24€815€2k▲
Other tangible fixed assets26€60k€50k▼
Current assets29/58€84k€73k▼
Amounts receivable after more than one year29€15k€13k▼
Other amounts receivable291€15k€13k▼
Stocks and contracts in progress3€6k€8k▲
Stocks30/36€6k€8k▲
Amounts receivable within one year40/41€13k€12k▼
Trade receivables40€2k€2k▲
Other amounts receivable41€11k€10k▼
Cash at bank and in hand54/58€48k€37k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€189k€158k▼
Equity10/15€50k€50k▲
Contributions10/11€50k€50k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-2k€-1k▲
Amounts payable17/49€139k€108k▼
Amounts payable after more than one year17€29k€7k▼
Financial debts170/4€29k€7k▼
Amounts payable within one year42/48€107k€96k▼
Current portion of amounts payable after more than one year42€25k€22k▼
Financial debts43-€3k
Credit institutions430/8-€3k
Trade debts44€19k€23k▲
Suppliers440/4€19k€23k▲
Taxes, remuneration and social security45€35k€21k▼
Taxes450/3€13k€14k▲
Remuneration and social security454/9€22k€7k▼
Other amounts payable47/48€27k€28k▲
Accrued charges and deferred income492/3€2k€4k▲
Income statement
Code20242025
Remuneration, social security and pensions62€145k€100k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€21k▼
Other operating charges640/8€8k€8k▲
Gross operating margin9900€194k€143k▼
Operating profit (loss)9901€17k€14k▼
Financial income75/76B€0€504▲
Recurring financial income75€0€504▲
Financial charges65/66B€13k€10k▼
Recurring financial charges65€13k€10k▼
Profit (loss) for the period before taxes9903€4k€4k▼
Income taxes67/77€1k€630▼
Profit (loss) for the period9904€3k€3k▲
Profit (loss) for the period to be appropriated9905€3k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€2k▲
Profit (loss) brought forward from the previous period14P€-4k€-2k▲
Profit to be distributed694/7-€3k
Directors or managers695-€3k
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
11-09
State Gazette act
Registered officeBoard meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
Board meeting · Registered-office move2 facts ▸
- Board meeting, 2026-08-31
- Registered-office move, Ajuinlei 27, 9000 Gent
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-4k ▼110%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 26 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Gent · 2 establishment units since 2021
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.
Ajuinlei 279000 GentGround area
380 m²
Building footprint
366 m²
Volume, LiDAR
4,697 m³
2 parcels, Flanders · tallest building 20.7 m, ±6 floors. Linked by address, not a title deed.
2 establishment units
Caffè Rosario
since 20212.314.868.376
STILL.
since 20262.385.765.676
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44815F1149/00D000 | Flanders | 250 m² | 1 · 237 m² | 17.4 m · 3 fl. |
| 44803C0239/00L000 | Flanders | 129 m² | 1 · 129 m² | 20.7 m · 6 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 585 EUR awarded · 585 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 585 EUR | 585 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
2 sitesGent2.314.868.376
Gent2.385.765.676
Similar companies · same sector, comparable size
LE GRECO Ets Stavroulakis
BE 0441.805.306
Arlon · Eq €50k
PERSEPOLIS
BE 0880.298.358
Antwerpen · Eq €50k
Oostakker's Finest Sushi
BE 0676.674.770
Aalst · Eq €50k
Frank Soen
BE 0775.415.030
Sint-Genesius-Rode · Eq €50k
WOK-BOX
BE 1005.613.351
Antwerpen · Eq €50k
Of 20,232 companies in sector 56111 we hold annual accounts for 11,312. 9,702 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-03-2021
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56210Event catering
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.