CHEZ VICTOR
ActiveThe computed 12-month bankruptcy probability of CHEZ VICTOR is 6.4% (elevated). The 2022 annual accounts show negative equity (€-36k) and a net result of €-50k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 15% of 16725 sector peers (fiscal year 2022). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2022
7
/ 100
Critical▼ -64 vs 2021
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2021
Profitability100=
Solvency37▲+15
Growth78=
Stability100
Bankruptcy probability, 12 months
6.4%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.66 against 1.1 in 2021), and equity is negative.
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 · 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 2022Solvency, return and age of the figures
Solvency
-46.3%
Return on assets
-64.5%
Age of the figures
44 mo
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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2023, 3 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 4 filingsPosition against the passed deadline
31-12-2023 close31-07-2024 deadline12-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 06-10-2023, 67 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 · 4 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
not filed
2022
67 d late
2021
77 d late
2020
87 d late
2019
119 d late
← before the deadline
after the deadline →
Financials · fiscal year 2022, micro schema
Equity
€-36k
2021 · €14k
2019: €-98k
2020: €-55k
2021: €14k
2019 → 2022
Total assets
€77k▼ 30.6%
2021 · €111k
2019: €67k
2020: €61k
2021: €111k
2019 → 2022
Net result
€-50k
2021 · €69k
2019: €-105k
2020: €44k
2021: €69k
2019 → 2022
Working capital
€-38k
2021 · €10k
2019: €-106k
2020: €-62k
2021: €10k
2019 → 2022
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2019202020212022Trend
Equity€-98k-€-55k▲ 44.2%€14k€-36k
Operating result€-94k-€45k€73k▲ 61.1%€-43k
Net result€-105k-€44k€69k▲ 58.3%€-50k
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 2022: a loss of €43k after €73k in 2021.
Balance-sheet composition
2022 in colour, 2021 as the grey bar beneath
Assets €77k
Fixed assets
€4k▲ 7.8%
Current assets
€73k▼ 31.7%
Key figures and ratios
EBITDA
€-39k▼
2021 · €77k
Cash flow
€-46k▼
2021 · €72k
Solvency
-46.3%▼
2021 · 12.6%
Current ratio
0.66▼
2021 · 1.10
Quick ratio
0.48▼
2021 · 1.00
Debt / equity
-3.16▼
2021 · 6.92
ROE
139.3%▼
2021 · 491.0%
ROA
-64.5%▼
2021 · 62.0%
Interest coverage
-4.65▼
2021 · 12.71
Debt
€113k▲
2021 · €97k
Debt ≤ 1 year
€111k▲
2021 · €97k
Income taxes
€146▲
2021 · €134
Staff costs
€212k▲
2021 · €121k
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 · 2022 against 2021
Balance sheet
Code20212022
Assets
Total assets20/58€111k€77k▼
Formation expenses20€255€34▼
Fixed assets21/28€4k€4k▲
Tangible fixed assets22/27€4k€4k▲
Plant, machinery and equipment23€3k€4k▲
Furniture and vehicles24€258€35▼
Current assets29/58€107k€73k▼
Stocks and contracts in progress3€10k€20k▲
Stocks30/36€10k€20k▲
Amounts receivable within one year40/41€33k€31k▼
Other amounts receivable41€33k€31k▼
Cash at bank and in hand54/58€63k€22k▼
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€111k€77k▼
Equity10/15€14k€-36k▼
Contributions10/11€6k€6k=
Reserves13€8k-
Distributable reserves133€8k-
Profit (loss) carried forward14-€-42k
Amounts payable17/49€97k€113k▲
Amounts payable within one year42/48€97k€111k▲
Current portion of amounts payable after more than one year42€526-
Trade debts44€62k€72k▲
Suppliers440/4€62k€72k▲
Taxes, remuneration and social security45€32k€36k▲
Taxes450/3€3k€11k▲
Remuneration and social security454/9€29k€26k▼
Other amounts payable47/48€3k€3k=
Accrued charges and deferred income492/3-€2k
Income statement
Code20212022
Remuneration, social security and pensions62€121k€212k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€819€3k▲
Gross operating margin9900€198k€175k▼
Operating profit (loss)9901€73k€-43k▼
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€6k€8k▲
Recurring financial charges65€6k€8k▲
Profit (loss) for the period before taxes9903€69k€-50k▼
Income taxes67/77€134€146▲
Profit (loss) for the period9904€69k€-50k▼
Profit (loss) for the period to be appropriated9905€69k€-50k▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€-50k▼
Profit (loss) brought forward from the previous period14P€-61k-
Transfer from equity791/2-€8k
Transfer to equity691/2€8k-
To other reserves6921€8k-
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2023
06-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 67 days late
2022
16-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 77 days late
2021
31-12
Financial
Highest result since 2019net €69k ▲58.3%
Operating result €73k, net result €69k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.10
Current ratio from 0.47 to 1.10; short-term debt falls from €115k to €97k.
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 87 days late
2020
31-12
Financial
Back to profitnet €44k
Net result €44k after one loss-making year.
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 119 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Aarschot · 1 establishment unit since 2018
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.
Hondsheuvel 53200 AarschotGround area
3,712 m²
Building footprint
556 m²
Volume, LiDAR
2,962 m³
2 parcels, Flanders · tallest building 19.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CHEZ VICTOR
since 20182.273.758.885
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24029C0175/00E002 | Flanders | 1,896 m² | 1 · 411 m² | 19.6 m · 1 fl. |
| 24029C0174/00C000 | Flanders | 1,817 m² | 1 · 145 m² | 7.3 m · 2 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.
Similar companies · same sector, comparable size
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LE PANORAMA
BE 0466.768.057
Houffalize · Eq €14k
McLiégeois
BE 0849.391.386
Messancy · Eq €14k
H.M.V.
BE 0463.242.405
Ukkel · Eq €14k
HERMANS
BE 0472.139.085
Leopoldsburg · Eq €14k
Of 20,234 companies in sector 56111 we hold annual accounts for 11,309. 7,885 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded27-02-2018
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.