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CHEF STEFF

Active
Private limited companyfounded 20251 yr activeKerkstraat 50, 2970 Schilde, BelgiumKBO/BCE: BE 1022.206.487
Summary

The computed 12-month bankruptcy probability of CHEF STEFF is 3.9% (moderate). The 2025 annual accounts show negative equity (-€34,697) and a net result of -€44,697. Its solvency ranks better than 20% of 13560 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability0
Solvency8
Growth-
Track record67
Bankruptcy probability, 12 months
3.9% Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.76; short-term debt: 24.5% and cash: 5.8% of total assets), and equity is negative.
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Signals

Five signals. The signal on the left, the evidence on the right.
+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
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
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 2025
Solvency, return and age of the figures
Solvency
-16.6%
Return on assets
-21.4%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 1 filing
Deviation from the deadline
2025
31 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 10 April 2025, CHEF STEFF was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
-€34,697
Total assets
€209,269
Net result
-€44,697
Working capital
-€12,409

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €209,269
Fixed assets €170,494
Current assets €38,775
Key figures and ratios
2025 value
EBITDA
-€37,917
Cash flow
-€41,934
Solvency
-16.6%
Current ratio
0.76
Quick ratio
0.71
Debt to equity
-7.03
ROA
-21.4%
Interest coverage
-9.29
Debt
€243,966
Debt ≤ 1 year
€51,184
Debt > 1 year
€192,782
Staff costs
€54,944

Peer companies

Historical observation

Of the 1,323 companies that looked in July 2024 the way this one looks now, 3.6% went bankrupt within 24 months and 90% are still going.

  • Micro
  • under 2 years old
  • negative equity
  • a loss of 10% of the balance sheet or more
3.6% went bankrupt
5.6% stopped otherwise
90% still going

A further 0.5% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 3.9% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 1,323 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 43 lines
Balance sheet Code2025
Assets
Total assets20/58€209,269
Fixed assets21/28€170,494
Tangible fixed assets22/27€167,307
Plant, machinery and equipment23€12,610
Furniture and vehicles24€692
Other tangible fixed assets26€154,004
Financial fixed assets28€3,188
Current assets29/58€38,775
Stocks and contracts in progress3€2,304
Stocks30/36€2,304
Amounts receivable within one year40/41€21,276
Trade receivables40€20,506
Other amounts receivable41€770
Cash at bank and in hand54/58€12,196
Deferred charges and accrued income490/1€2,998
Equity and liabilities
Total equity and liabilities10/49€209,269
Equity10/15-€34,697
Contributions10/11€10,000
Profit (loss) carried forward14-€44,697
Amounts payable17/49€243,966
Amounts payable after more than one year17€192,782
Financial debts170/4€192,782
Amounts payable within one year42/48€51,184
Current portion of amounts payable after more than one year42€11,646
Trade debts44€20,794
Suppliers440/4€20,794
Taxes, remuneration and social security45€9,805
Taxes450/3€3,861
Remuneration and social security454/9€5,944
Other amounts payable47/48€8,938
Income statement Code2025
Remuneration, social security and pensions62€54,944
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,763
Other operating charges640/8€2,118
Gross operating margin9900€19,145
Operating profit (loss)9901-€40,680
Financial income75/76B€63
Recurring financial income75€63
Financial charges65/66B€4,080
Recurring financial charges65€4,080
Profit (loss) for the period before taxes9903-€44,697
Profit (loss) for the period9904-€44,697
Profit (loss) for the period to be appropriated9905-€44,697
Appropriation of the result
Profit (loss) to be appropriated9906-€44,697

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Remuneration, social security and pensions62€54,944
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,763
Other operating charges640/8€2,118
Gross operating margin9900€19,145
Operating profit (loss)9901-€40,680
Financial income75/76B€63
Recurring financial income75€63
Financial charges65/66B€4,080
Recurring financial charges65€4,080
Profit (loss) for the period before taxes9903-€44,697
Profit (loss) for the period9904-€44,697
Profit (loss) for the period to be appropriated9905-€44,697
Line2025
Assets
Total assets20/58€209,269
Fixed assets21/28€170,494
Tangible fixed assets22/27€167,307
Plant, machinery and equipment23€12,610
Furniture and vehicles24€692
Other tangible fixed assets26€154,004
Financial fixed assets28€3,188
Current assets29/58€38,775
Stocks and contracts in progress3€2,304
Stocks30/36€2,304
Amounts receivable within one year40/41€21,276
Trade receivables40€20,506
Other amounts receivable41€770
Cash at bank and in hand54/58€12,196
Deferred charges and accrued income490/1€2,998
Equity and liabilities
Total equity and liabilities10/49€209,269
Equity10/15-€34,697
Contributions10/11€10,000
Profit (loss) carried forward14-€44,697
Amounts payable17/49€243,966
Amounts payable after more than one year17€192,782
Financial debts170/4€192,782
Amounts payable within one year42/48€51,184
Current portion of amounts payable after more than one year42€11,646
Trade debts44€20,794
Suppliers440/4€20,794
Taxes, remuneration and social security45€9,805
Taxes450/3€3,861
Remuneration and social security454/9€5,944
Other amounts payable47/48€8,938
Line2025
Profit (loss) for the period9904-€44,697
+ Depreciation and write-downs630€2,763
Operating cash flow (approximation)-€41,934

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
31-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Schilde · 1 establishment unit since 2025
seat establishment The establishment unit on the map
Ground area
287 m²
Building footprint
79 m²
Volume, LiDAR
548 m³
Parcel 11041B0303/00S000, Flanders · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CHEF STEFF
Kerkstraat 50, 2970 SchildeFull-service restaurants
since 20252.372.677.507
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11041B0303/00S000 Flanders 287 m² 1 · 79 m² 10.6 m · 3 fl.
Linked by address, not proof of ownership
Good to know
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 site
Schilde2.372.677.507
1 permission
Toelating · Eetgelegenheid · since 28-04-2025

Similar companies · same sector and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 20,506 companies in sector 56111 we hold annual accounts for 11,454. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded10-04-2025
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
E-invoicing
Reachable via Peppol
Peppol ID 0208:1022206487
Also 9925:BE1022206487
Registered 13-11-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.