Chez Thib
ActiveThe computed 12-month bankruptcy probability of Chez Thib is 2.4% (moderate). The 2025 annual accounts show equity of €27k and a net result of €-15k. Equity is growing by ~10.3% per year across the filed fiscal years. Its solvency ranks better than 54% of 13071 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency64▲+9
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.42 against 0.81 in 2024), and 64.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
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
35.1%
Return on assets
-19.2%
Age of the figures
15 mo
neutral · A punctual record breaks
This company filed 8 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 11-02-2026, 11 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 9 filingsDeviation from the deadline
2025
11 d late
2024
43 d early
2023
2 d early
2022
6 d early
2021
1 d early
2020
17 d early
2019
on the day
← before the deadline
after the deadline →
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 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€27k▼ 35.4%
2024 · €41k
2019: €23k
2020: €23k
2021: €32k
2022: €40k
2023: €40k
2024: €41k
2019 → 2025
Total assets
€76k▼ 29.1%
2024 · €107k
2019: €57k
2020: €53k
2021: €53k
2022: €56k
2023: €57k
2024: €107k
2019 → 2025
Net result
€-15k
2024 · €30k
2019: €448
2020: €201
2021: €8k
2022: €17k
2023: €167
2024: €30k
2019 → 2025
Working capital
€13k
2024 · €-8k
2019: €15k
2020: €5k
2021: €14k
2022: €-371
2023: €-4k
2024: €-8k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€32k-€40k▲ 26.9%€40k▲ 0.4%€41k▲ 2.8%€27k▼ 35.4%
Operating result€10k-€19k▲ 96.5%€2k▼ 91.4%€44k▲ 2,612%€21k▼ 51.9%
Net result€8k-€17k▲ 98.1%€167▼ 99.0%€30k▲ 17,951%€-15k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 52% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €76k
Fixed assets
€33k▼ 56.3%
Current assets
€43k▲ 37.5%
Equity and liabilities €76k
Equity
€27k▼ 35.4%
Debt
€49k▼ 25.1%
The debt ratio rises from 61.5% to 64.9%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€33k▼
2024 · €55k
Cash flow
€-3k▼
2024 · €41k
Solvency
35.1%▼
2024 · 38.5%
Current ratio
1.42▲
2024 · 0.81
Quick ratio
1.26▲
2024 · 0.66
Debt / equity
1.85▲
2024 · 1.60
ROE
-54.8%▼
2024 · 72.9%
ROA
-19.2%▼
2024 · 28.1%
Interest coverage
14.52▼
2024 · 31.91
Debt
€49k▼
2024 · €66k
Debt ≤ 1 year
€30k▼
2024 · €39k
Debt > 1 year
€19k▼
2024 · €27k
Income taxes
€572▼
2024 · €12k
Staff costs
€52k▲
2024 · €28k
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€107k€76k▼
Fixed assets21/28€76k€33k▼
Tangible fixed assets22/27€43k€33k▼
Plant, machinery and equipment23€35k€26k▼
Furniture and vehicles24€564€2k▲
Other tangible fixed assets26€8k€5k▼
Financial fixed assets28€33k€290▼
Current assets29/58€31k€43k▲
Stocks and contracts in progress3€6k€5k▼
Stocks30/36€6k€5k▼
Amounts receivable within one year40/41€5k€5k▲
Trade receivables40€1k€554▼
Other amounts receivable41€3k€4k▲
Cash at bank and in hand54/58€18k€30k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€107k€76k▼
Equity10/15€41k€27k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€21k€6k▼
Amounts payable17/49€66k€49k▼
Amounts payable after more than one year17€27k€19k▼
Financial debts170/4€27k€19k▼
Amounts payable within one year42/48€39k€30k▼
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€7k€8k▲
Suppliers440/4€7k€8k▲
Taxes, remuneration and social security45€23k€8k▼
Taxes450/3€15k€1k▼
Remuneration and social security454/9€9k€6k▼
Other amounts payable47/48€214€6k▲
Accrued charges and deferred income492/3€380€634▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€28k€52k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▲
Other operating charges640/8€3k€5k▲
Gross operating margin9900€86k€90k▲
Operating profit (loss)9901€44k€21k▼
Financial income75/76B€35€0▼
Recurring financial income75€35€0▼
Financial charges65/66B€2k€35k▲
Recurring financial charges65€2k€2k▲
Non-recurring financial charges66B-€33k
Profit (loss) for the period before taxes9903€42k€-14k▼
Income taxes67/77€12k€572▼
Profit (loss) for the period9904€30k€-15k▼
Profit (loss) for the period to be appropriated9905€30k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€50k€6k▼
Profit (loss) brought forward from the previous period14P€20k€21k▲
Profit to be distributed694/7€29k€0▼
Return on contributions (dividend)694€29k€0▼
The notes to these accounts (16 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
11-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
30-06
Financial
Weakest financial yearnet €-15k ▼149%
Net result drops to €-15k, the lowest in the series.
2024
19-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Highest result since 2019net €30k ▲17951%
Operating result €44k, net result €30k, both a record.
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Fernelmont · 1 establishment unit since 2016
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 de Tillier, March. 165380 FernelmontGround area
1.7 ha
Building footprint
362 m²
Volume, LiDAR
1,346 m³
2 parcels, Wallonia · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Friterie "Chez Thib"
since 20162.257.181.189
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92136B0017/00R002 | Wallonia | 1.5 ha | 1 · 186 m² | 9.7 m · 2 fl. |
| 92084C0094/00M000 | Wallonia | 2,408 m² | 1 · 177 m² | - |
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 siteNamur2.257.181.189
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Of 20,232 companies in sector 56111 we hold annual accounts for 11,312. 9,170 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-09-2016
Fiscal year end30-06
Activities, NACEBEL
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
47210Retail sale of fruit and vegetables
47810Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.