Equity
Debts exceed assets in financial year 2024.
Debts exceed assets in financial year 2024.
Back in profit in 2024, after a loss of €34,362 in 2023.
Green is investment, beige is depreciation. Land and buildings stand 41.4% higher than in 2023.
A director left. Latest change 31-12-2025 · 1 in office.
Less equity than 80% of companies in food and beverage service. Sector median €27,772 · 18,776 companies.
The dashed line is the sector median: 1.8% across 23,788 companies (NACE 56, micro).
About 7 in 100 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 56, micro). It does better than 21% of them on solvency, 4% on liquidity, 79% on profitability and 83% on growth.
The bankruptcy probability was computed on 05-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2024.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 1,017 companies had the same profile as CHEZ GEZER has now. Each dot stands for 3 companies, two years later.
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of CHEZ GEZER itself: 7.4% within 12 months.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,017 companies, not a prediction for CHEZ GEZER. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Liquidity is insufficient, with a current ratio of 0.16 (0.27 in 2023), below 1. Short-term debt is 111.8% and cash 1.9% of total assets. Equity is negative.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 2 accounts on average 53 days after the deadline. In the sector (NACE 56), the median for financial year 2024 was 7 days after the deadline, and 53% of those companies filed late.
| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| CHEZ GEZER Marche-en-Famenne | €107,120 | €85,598 | -11.8% | - |
| MEMOCAN COMPANY Vilvoorde | €106,720 | €81,075 | 51.4% | - |
| F.A.N GROUP Ixelles | €107,374 | €78,572 | 59.1% | - |
| Slice and More Antwerp | €115,257 | €80,633 | 68.0% | - |
| SFloor Beringen | €105,006 | €88,655 | 54.4% | - |
| City BXL Immo Brussels | €114,144 | €86,911 | 47.1% | - |
| PIC-NIC Mechelen | €107,883 | €93,946 | 50.1% | - |
These companies have the same main activity as CHEZ GEZER: limited-service restaurants, excluding mobile food services (NACE 56112). They are comparable in size and age: total assets between €105,000 and €115,000, founded between 2022 and 2023.
The computed 12-month bankruptcy probability of CHEZ GEZER is 7.4% (elevated). The 2024 annual accounts show negative equity (-€12,678) and a net result of €18,684.
Its solvency ranks better than 23% of 18,735 sector peers (NACE 56, financial year 2024). The company has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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