CHERIF KAYA
ActiveSummary
The computed 12-month bankruptcy probability of CHERIF KAYA is 2.1% (moderate). The 2025 annual accounts show equity of €130k and a net result of €18k. Equity is growing by ~25.2% per year across the filed fiscal years. Its solvency ranks better than 83% of 13305 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-30
Solvency94▲+14
Growth85▲+7
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.1 against 2.02 in 2024; short-term debt: 27.7% and cash: 4.7% of total assets), and 30.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 · 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
69.4%
Return on assets
9.7%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
83 d early
2023
75 d early
2022
81 d early
2021
27 d early
2020
38 d late
2019
45 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€661k▲ 328%
2021 · €154k
2021: €154k
2021 → 2025
EBIT margin
3.3%▲ 3.8pp
2021 · -0.5%
2021: -0.5%
2021 → 2025
Net result
€18k▼ 68.7%
2024 · €58k
2018: €7k
2019: €8k
2020: €17k
2021: €-15k
2022: €13k
2023: €35k
2024: €58k
2018 → 2025
Working capital
€57k▼ 13.7%
2024 · €66k
2018: €27k
2019: €35k
2020: €53k
2021: €38k
2022: €42k
2023: €56k
2024: €66k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€154k-€661k
Equity€38k-€51k▲ 34.6%€86k▲ 68.3%€112k▲ 29.7%€130k▲ 16.3%
Operating result€-743-€33k€48k▲ 44.9%€70k▲ 46.0%€22k▼ 68.9%
Net result€-15k-€13k€35k▲ 166%€58k▲ 66.7%€18k▼ 68.7%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 69% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €187k
Fixed assets
€79k ▲ 6.6%
Current assets
€109k ▼ 16.8%
Equity and liabilities €187k
Equity
€130k ▲ 16.3%
Debt
€57k ▼ 38.2%
Debt's share of the balance-sheet total falls from 45.3% to 30.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€46k▼
2024 · €94k
Cash flow
€42k▼
2024 · €82k
Current ratio
2.10▲
2024 · 2.02
Quick ratio
1.54▼
2024 · 1.74
Debt to equity
0.44▼
2024 · 0.83
ROE
14.0%▼
2024 · 52.2%
ROA
9.7%▼
2024 · 28.5%
Interest coverage
12.72▲
2024 · 7.77
Debt ≤ 1 year
€52k▼
2024 · €65k
Debt > 1 year
€5k▼
2024 · €28k
Staff costs
€71k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€205k€187k▼
Fixed assets21/28€74k€79k▲
Tangible fixed assets22/27€74k€79k▲
Plant, machinery and equipment23€49k€66k▲
Furniture and vehicles24€25k€12k▼
Current assets29/58€131k€109k▼
Stocks and contracts in progress3€18k€29k▲
Stocks30/36€18k€29k▲
Amounts receivable within one year40/41€36k€71k▲
Other amounts receivable41€36k€71k▲
Cash at bank and in hand54/58€77k€9k▼
Equity and liabilities
Total equity and liabilities10/49€205k€187k▼
Equity10/15€112k€130k▲
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Share premium1100/10€6k€6k=
Profit (loss) carried forward14€106k€124k▲
Amounts payable17/49€93k€57k▼
Amounts payable after more than one year17€28k€5k▼
Financial debts170/4€28k€5k▼
Amounts payable within one year42/48€65k€52k▼
Current portion of amounts payable after more than one year42€27k€22k▼
Trade debts44€891€29k▲
Suppliers440/4€891€29k▲
Taxes, remuneration and social security45€769€557▼
Taxes450/3€769€557▼
Other amounts payable47/48€36k-
Income statement
Code20242025
Turnover70-€661k
Goods, raw materials, services and sundry goods60/61-€535k
Remuneration, social security and pensions62-€71k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€24k▲
Other operating charges640/8€7k€9k▲
Gross operating margin9900€101k€126k▲
Operating profit (loss)9901€70k€22k▼
Financial charges65/66B€12k€4k▼
Recurring financial charges65€12k€4k▼
Profit (loss) for the period before taxes9903€58k€18k▼
Profit (loss) for the period9904€58k€18k▼
Profit (loss) for the period to be appropriated9905€58k€18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€142k€124k▼
Profit (loss) brought forward from the previous period14P€83k€106k▲
Profit to be distributed694/7€36k-
Return on contributions (dividend)694€36k-
The notes to these accounts (5 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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €58k ▲66.7%
Operating result €70k, net result €58k, both a record.
31-12
Financial
Equity above €100kEq €112k ▲29.7%
3 profitable years in a row build equity to €112k.
17-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
11-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Weakest financial yearnet €-15k ▼185%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 12current ratio 159.62
Current ratio from 13.19 to 159.62; short-term debt falls from €4k to €240.
07-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 38 days late
2020
14-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 45 days late
Show earlier events
2019
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
10-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 71 days late
2017
15-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 46 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, Anderlecht · 1 establishment unit 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.
Ninoofse Steenweg 6441070 AnderlechtGround area
399 m²
Building footprint
305 m²
Volume, LiDAR
2,643 m³
2 parcels, Brussels · tallest building 14.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
SNACK CHERIF
since 20062.157.386.896
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21302A0025/00P012 | Brussels | 266 m² | 1 · 192 m² | 14.1 m · 3 fl. |
| 21815D0070/02D003 | Brussels | 133 m² | 1 · 112 m² | 14.3 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
1 siteBrussel2.157.386.896
Similar companies · same sector, comparable size
EXPRESSI
BE 0872.372.369
Anderlecht · Eq €130,135
MCT GROUP
BE 0640.705.982
Elsene · Eq €130,172
MJ magic
BE 0731.902.414
Steenokkerzeel · Eq €130,086
BELFOOD
BE 0734.403.628
Elsene · Eq €130,069
TRA
BE 0671.560.890
Brussel · Eq €129,917
Of 21,888 companies in sector 56112 we hold annual accounts for 9,780. 7,471 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-10-2006
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
43110Demolition
43120Site preparation
43990Other specialised construction activities
81210General cleaning of buildings
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.