CAVE SAINT JACQUES
ActiveCAVE SAINT JACQUES has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €356k and a net result of €22k. Equity is growing by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 71% of 4123 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
86
/ 100
Excellent▲ +4 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability31▼-3
Solvency98▲+5
Growth78=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 3.67 against 2.88 in 2024), and 43% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 47
Relative position
BE, all sectors
reference
Sector 47
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 · 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
57%
Return on assets
3.5%
Age of the figures
18 mo
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 15-07-2025, 108 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
108 d early
2024
31 d early
2023
6 d late
2022
28 d late
2021
2 d early
2020
26 d early
2019
20 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 close15-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€22k▼ 2.7%
2024 · €23k
2019: €-14k
2020: €58k
2021: €4k
2022: €52k
2023: €-34k
2024: €23k
2019 → 2025
Working capital
€415k▲ 1.3%
2024 · €410k
2019: €221k
2020: €283k
2021: €289k
2022: €450k
2023: €393k
2024: €410k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€294k-€345k▲ 17.6%€311k▼ 9.9%€334k▲ 7.3%€356k▲ 6.6%
Operating result€23k-€87k▲ 280%€-22k€39k€52k▲ 32.6%
Net result€4k-€52k▲ 1,071%€-34k€23k€22k▼ 2.7%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 33% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €623k
Fixed assets
€53k▼ 28.4%
Current assets
€571k▼ 9.0%
Equity and liabilities €623k
Equity
€356k▲ 6.6%
Debt
€268k▼ 27.1%
The debt ratio falls from 52.4% to 43.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€75k▲
2024 · €62k
Cash flow
€44k▼
2024 · €45k
Solvency
57.0%▲
2024 · 47.6%
Current ratio
3.67▲
2024 · 2.88
Quick ratio
1.08▲
2024 · 0.77
Debt / equity
0.75▼
2024 · 1.10
ROE
6.2%▼
2024 · 6.8%
ROA
3.5%▲
2024 · 3.2%
Interest coverage
3.85▲
2024 · 3.85
Debt
€268k▼
2024 · €368k
Debt ≤ 1 year
€156k▼
2024 · €218k
Debt > 1 year
€112k▼
2024 · €150k
Income taxes
€11k▲
2024 · €3k
Staff costs
€13k▼
2024 · €41k
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€701k€623k▼
Fixed assets21/28€74k€53k▼
Tangible fixed assets22/27€72k€51k▼
Plant, machinery and equipment23€13k€8k▼
Furniture and vehicles24€15k€8k▼
Other tangible fixed assets26€44k€35k▼
Financial fixed assets28€2k€2k=
Current assets29/58€627k€571k▼
Stocks and contracts in progress3€459k€402k▼
Stocks30/36€459k€402k▼
Amounts receivable within one year40/41€27k€18k▼
Trade receivables40€24k€10k▼
Other amounts receivable41€2k€8k▲
Cash at bank and in hand54/58€134k€124k▼
Deferred charges and accrued income490/1€7k€25k▲
Equity and liabilities
Total equity and liabilities10/49€701k€623k▼
Equity10/15€334k€356k▲
Contributions10/11€6k€6k=
Reserves13€327k€349k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€22k€22k=
Distributable reserves133€304k€326k▲
Amounts payable17/49€368k€268k▼
Amounts payable after more than one year17€150k€112k▼
Financial debts170/4€150k€112k▼
Amounts payable within one year42/48€218k€156k▼
Current portion of amounts payable after more than one year42€23k€24k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€162k€98k▼
Suppliers440/4€162k€98k▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€34k€33k▼
Taxes450/3€31k€29k▼
Remuneration and social security454/9€2k€5k▲
Other amounts payable47/48€0€541▲
Accrued charges and deferred income492/3-€342
Income statement
Code20242025
Remuneration, social security and pensions62€41k€13k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€22k▲
Other operating charges640/8€4k€5k▲
Gross operating margin9900€107k€92k▼
Operating profit (loss)9901€39k€52k▲
Financial income75/76B€2k€412▼
Recurring financial income75€2k€412▼
Financial charges65/66B€16k€19k▲
Recurring financial charges65€16k€19k▲
Profit (loss) for the period before taxes9903€25k€33k▲
Income taxes67/77€3k€11k▲
Profit (loss) for the period9904€23k€22k▼
Profit (loss) for the period to be appropriated9905€23k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€23k€22k▼
Transfer from equity791/2€0-
Transfer to equity691/2€23k€22k▼
To other reserves6921€23k€22k▼
Social balance
Average headcount (FTE)90870.80.4▼
The notes to these accounts (18 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
31-03
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
2023
06-11
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 6 days late
31-03
Financial
Weakest financial yearnet €-34k ▼166%
Net result drops to €-34k, the lowest in the series; recovery starts the following year.
2022
28-11
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 28 days late
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2020
05-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
31-03
Financial
Back to profitnet €58k
Net result €58k after one loss-making year.
2019
11-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
10-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
27-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Tournai · 2 establishment units 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.
Rue Piquet(TOU) 217500 TournaiGround area
416 m²
Building footprint
149 m²
Volume, LiDAR
640 m³
2 parcels, Wallonia · tallest building 13.5 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Cave Saint Jacques
since 20062.152.776.329
En face
since 20232.342.677.979
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57081E0468/00D000 | Wallonia | 256 m² | 1 · 89 m² | - |
| 57081E0491/00A000 | Wallonia | 160 m² | 1 · 59 m² | 13.5 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesTournai2.152.776.329
Tournai2.342.677.979
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Of 1,505 companies in sector 47252 we hold annual accounts for 651. 463 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-03-2006
Fiscal year end31-03
Activities, NACEBEL
47252Retail sale of beverages, general range
52250Logistics services
56301Cafés and bars
94120Activities of professional membership organisations
Sources
Crossroads Bank for EnterprisesNational Bank · 19 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.