Cappuccino
ActiveThe computed 12-month bankruptcy probability of Cappuccino is 1.9% (moderate). The 2025 annual accounts show equity of €37k and a net result of €17k. Equity is shrinking by ~13.7% per year across the filed fiscal years. Its solvency ranks better than 80% of 13159 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▲+32
Solvency90▲+31
Growth58=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 4.8 against 1.58 in 2024; short-term debt: 16.2% and cash: 68.1% of total assets), and 34.6% 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 →
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
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €37k
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 09-10-2025, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
36 d early
2023
35 d early
2022
17 d early
2021
41 d early
2020
18 d early
2019
30 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close18-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€37k▲ 83.9%
2024 · €20k
2019: €42k
2020: €32k
2021: €20k
2022: €17k
2023: €12k
2024: €20k
2019 → 2025
Total assets
€57k▼ 4.3%
2024 · €60k
2019: €68k
2020: €55k
2021: €46k
2022: €53k
2023: €57k
2024: €60k
2019 → 2025
Net result
€17k▲ 111%
2024 · €8k
2019: €611
2020: €-10k
2021: €-12k
2022: €-3k
2023: €-5k
2024: €8k
2019 → 2025
Working capital
€35k▲ 112%
2024 · €17k
2019: €28k
2020: €17k
2021: €7k
2022: €7k
2023: €5k
2024: €17k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€17k▼ 16.2%€12k▼ 28.5%€20k▲ 66.2%€37k▲ 83.9%
Operating result€-10k-€-2k▲ 84.8%€-3k▼ 77.8%€14k€22k▲ 58.2%
Net result€-12k-€-3k▲ 72.8%€-5k▼ 48.0%€8k€17k▲ 111%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 58% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €57k
Fixed assets
€13k▼ 11.3%
Current assets
€44k▼ 2.1%
Equity and liabilities €57k
Equity
€37k▲ 83.9%
Debt
€20k▼ 49.8%
The debt ratio falls from 66.0% to 34.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€27k▲
2024 · €18k
Cash flow
€22k▲
2024 · €12k
Solvency
65.4%▲
2024 · 34.0%
Current ratio
4.80▲
2024 · 1.58
Quick ratio
4.46▲
2024 · 1.47
Debt / equity
0.53▼
2024 · 1.94
ROE
45.6%▲
2024 · 39.8%
ROA
29.8%▲
2024 · 13.6%
Interest coverage
5.29▲
2024 · 3.10
Debt
€20k▼
2024 · €39k
Debt ≤ 1 year
€9k▼
2024 · €29k
Debt > 1 year
€10k=
2024 · €10k
Income taxes
€175▼
2024 · €184
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€60k€57k▼
Fixed assets21/28€14k€13k▼
Tangible fixed assets22/27€10k€9k▼
Plant, machinery and equipment23€4k€5k▲
Other tangible fixed assets26€6k€3k▼
Financial fixed assets28€4k€4k=
Current assets29/58€45k€44k▼
Stocks and contracts in progress3€3k€3k▼
Stocks30/36€3k€3k▼
Amounts receivable within one year40/41€0-
Trade receivables40€0-
Current investments50/53€0-
Cash at bank and in hand54/58€40k€39k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€60k€57k▼
Equity10/15€20k€37k▲
Contributions10/11€19k€19k=
Reserves13€14k€19k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€14k€19k▲
Profit (loss) carried forward14€-12k€0▲
Amounts payable17/49€39k€20k▼
Amounts payable after more than one year17€10k€10k=
Financial debts170/4€10k€10k=
Amounts payable within one year42/48€29k€9k▼
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€9k€5k▼
Taxes450/3€6k€5k▼
Remuneration and social security454/9€3k€0▼
Other amounts payable47/48€16k€699▼
Accrued charges and deferred income492/3€665€547▼
Income statement
Code20242025
Non-recurring operating income76A-€500
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€19k€29k▲
Operating profit (loss)9901€14k€22k▲
Financial income75/76B€52€157▲
Recurring financial income75€52€157▲
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€8k€17k▲
Income taxes67/77€184€175▼
Profit (loss) for the period9904€8k€17k▲
Profit (loss) for the period to be appropriated9905€8k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€5k▲
Profit (loss) brought forward from the previous period14P€-20k€-12k▲
Transfer to equity691/2-€5k
To other reserves6921-€5k
The notes to these accounts (16 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
2025
09-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2019net €17k ▲111%
Operating result €22k, net result €17k, both a record.
31-03
Financial
Liquidity triplescurrent ratio 4.80
Current ratio from 1.58 to 4.80; short-term debt falls from €29k to €9k.
2024
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Back to profitnet €8k
Net result €8k after 4 loss-making years.
2023
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
14-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
20-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
2020
13-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
01-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
04-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Brecht · 2 establishment units since 2008
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.
Vogelkerslaan 312960 BrechtGround area
1,261 m²
Building footprint
374 m²
Volume, LiDAR
1,752 m³
2 parcels, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Cappuccino
since 20082.169.194.964
Paalstraat 65, 2900 Schoten
since 20082.170.035.104
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11009M0051/00R003 | Flanders | 1,030 m² | 1 · 165 m² | 5.6 m · 1 fl. |
| 11442C0151/00F011 | Flanders | 231 m² | 1 · 209 m² | 8.3 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteSchoten2.170.035.104
Similar companies · same sector, comparable size
NJ Floors
BE 0732.862.417
Nijlen · Eq €37k
KANTINE VAN HET BOS
BE 0735.800.032
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HORI-CONSULT
BE 0468.524.648
Bilzen-Hoeselt · Eq €37k
Taverne De Klokke
BE 0674.931.938
Oostende · Eq €37k
KAFEI KORNER
BE 0786.863.208
Brussel · Eq €37k
Of 14,028 companies in sector 56301 we hold annual accounts for 4,894. 4,106 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-02-2008
Fiscal year end31-03
Activities, NACEBEL
56301Cafés and bars
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.