CHEZ RIZE
ActiveSummary
The computed 12-month bankruptcy probability of CHEZ RIZE is 1.8% (moderate). The 2025 annual accounts show equity of €33k and a net result of €-5k. Equity is growing by ~24.2% per year across the filed fiscal years. Its solvency ranks better than 58% of 13305 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability41▼-53
Solvency65▼-12
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.03 against 1.47 in 2024; short-term debt: 57.2% and cash: 26.4% of total assets), and 60.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 →
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 2025Solvency, return and age of the figures
Solvency
39.7%
Return on assets
-5.8%
Age of the figures
15 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 13-01-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
1 d early
2023
15 d early
2022
7 d early
2021
13 d early
2020
4 d early
2019
6 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€33k▼ 12.8%
2024 · €38k
2019: €18k
2020: €11k
2021: €-3k
2022: €14k
2023: €28k
2024: €38k
2019 → 2025
Total assets
€83k▲ 15.1%
2024 · €72k
2019: €97k
2020: €74k
2021: €61k
2022: €82k
2023: €74k
2024: €72k
2019 → 2025
Net result
€-5k
2024 · €14k
2019: €686
2020: €-7k
2021: €-14k
2022: €35k
2023: €14k
2024: €14k
2019 → 2025
Working capital
€1k▼ 91.0%
2024 · €14k
2019: €-25k
2020: €-24k
2021: €-30k
2022: €-10k
2023: €4k
2024: €14k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-3k-€14k€28k▲ 97.8%€38k▲ 32.8%€33k▼ 12.8%
Operating result€-12k-€37k€4k▼ 88.1%€21k▲ 376%€-3k
Net result€-14k-€35k€14k▼ 59.9%€14k▲ 1.8%€-5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €21k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €83k
Fixed assets
€34k ▲ 16.4%
Current assets
€49k ▲ 14.3%
Equity and liabilities €83k
Equity
€33k ▼ 12.8%
Debt
€50k ▲ 46.0%
Debt's share of the balance-sheet total rises from 47.5% to 60.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€5k▼
2024 · €30k
Cash flow
€4k▼
2024 · €24k
Current ratio
1.03▼
2024 · 1.47
Quick ratio
0.70▼
2024 · 0.98
Debt to equity
1.52▲
2024 · 0.91
ROE
-14.6%▼
2024 · 37.9%
ROA
-5.8%▼
2024 · 19.9%
Interest coverage
3.52▼
2024 · 18.31
Debt ≤ 1 year
€47k▲
2024 · €29k
Debt > 1 year
€3k▼
2024 · €5k
Income taxes
€130▼
2024 · €5k
Staff costs
€28k▼
2024 · €33k
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 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€72k€83k▲
Fixed assets21/28€29k€34k▲
Tangible fixed assets22/27€29k€34k▲
Land and buildings22€18k€18k▼
Plant, machinery and equipment23€10k€16k▲
Furniture and vehicles24€1k€889▼
Current assets29/58€43k€49k▲
Stocks and contracts in progress3€14k€16k▲
Stocks30/36€14k€16k▲
Amounts receivable within one year40/41€220€6k▲
Other amounts receivable41€220€6k▲
Cash at bank and in hand54/58€27k€22k▼
Deferred charges and accrued income490/1€817€5k▲
Equity and liabilities
Total equity and liabilities10/49€72k€83k▲
Equity10/15€38k€33k▼
Contributions10/11€12k€12k=
Reserves13€25k€22k▼
Non-distributable reserves130/1€805€805=
Reserves not available under the articles1311€805€805=
Tax-exempt reserves132€362€362=
Distributable reserves133€24k€21k▼
Profit (loss) carried forward14-€-1k
Amounts payable17/49€34k€50k▲
Amounts payable after more than one year17€5k€3k▼
Financial debts170/4€5k€3k▼
Amounts payable within one year42/48€29k€47k▲
Current portion of amounts payable after more than one year42€5k€3k▼
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Advances received on contracts in progress46-€624
Taxes, remuneration and social security45€6k€7k▲
Taxes450/3€3k€4k▲
Remuneration and social security454/9€3k€4k▲
Other amounts payable47/48€13k€34k▲
Income statement
Code20242025
Remuneration, social security and pensions62€33k€28k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▼
Other operating charges640/8€4k€3k▼
Gross operating margin9900€67k€37k▼
Operating profit (loss)9901€21k€-3k▼
Financial income75/76B€42€15▼
Recurring financial income75€42€15▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€19k€-5k▼
Income taxes67/77€5k€130▼
Profit (loss) for the period9904€14k€-5k▼
Profit (loss) for the period to be appropriated9905€14k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€-5k▼
Transfer from equity791/2-€3k
Transfer to equity691/2€9k-
To other reserves6921€9k-
Profit to be distributed694/7€5k-
Directors or managers695€5k-
The notes to these accounts (8 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
13-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
16-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €35k
Net result €35k after 2 loss-making years.
18-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
27-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
06-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 6 days late
2019
01-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 1 day late
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-01
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
4 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, Brugge · 1 establishment unit since 2012
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.
Langestraat 1258000 BruggeGround area
157 m²
Building footprint
124 m²
Volume, LiDAR
849 m³
Parcel 31005A0306/00_000, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HOF VAN BEROEP
since 20122.205.573.132
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31005A0306/00_000 | Flanders | 157 m² | 1 · 124 m² | 10.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
2022 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrugge2.205.573.132
Similar companies · same sector, comparable size
BAR POPULAR
BE 0837.242.731
Mechelen · Eq €33,000
BAR'OLO
BE 1006.621.359
Herzele · Eq €33,023
tussen pot en pint
BE 0754.910.517
Gent · Eq €32,973
N.W.A.
BE 0789.627.015
Antwerpen · Eq €33,038
Oranjehof
BE 0786.974.064
Zulte · Eq €33,051
Of 14,018 companies in sector 56301 we hold annual accounts for 4,891. 4,118 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
Founded22-11-2011
Fiscal year end30-06
Activities, NACEBEL 2025
56301Cafés and bars
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
56210Event catering
66300Activities auxiliary to financial services and insurance activities
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.