CIBO

Active

Private limited companyfounded 20215 yrs activeRue Hector Denis 17, 4460 Grâce-Hollogne, BelgiumKBO/BCE: BE 0771.456.143

The computed 12-month bankruptcy probability of CIBO is 6.0% (elevated). The 2025 annual accounts show negative equity (€-10k) and a net result of €-33k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 22% of 13240 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

21 / 100

Critical

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0▼-69

Solvency17▼-23

Growth32=

Track record94

Bankruptcy probability, 12 months

6.0% Elevated

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.55 against 0.72 in 2024; short-term debt: 90.1% and cash: 19.9% of total assets), and equity is negative.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Eight signals. The signal on the left, the evidence on the right.

+raises risk○neutral

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 →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 2025

Solvency, return and age of the figures

Solvency

-8%

Return on assets

-27.2%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Negative equity

The 2025 annual accounts show negative equity and a net loss.

NBB · annual accounts 2025

Equity per financial year

22232425

2022 to 2025 · latest year €-10k

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

1 d early

2024

14 d early

2023

21 d early

2022

48 d early

← before the deadline after the deadline →

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 months

Position in the running window

21-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€-10k

2024 · €23k

2022: €46k 2023: €9k 2024: €23k

2022 → 2025

Total assets

€120k▼ 21.1%

2024 · €152k

2022: €130k 2023: €111k 2024: €152k

2022 → 2025

Net result

€-33k

2024 · €14k

2022: €36k 2023: €-37k 2024: €14k

2022 → 2025

Working capital

€-49k▼ 86.8%

2024 · €-26k

2022: €15k 2023: €-10k 2024: €-26k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€46k-€9k▼ 80.7%€23k▲ 162%€-10k

Operating result€52k-€-30k€23k€-25k

Net result€36k-€-37k€14k€-33k

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 €25k after €23k in 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €120k

50.4%

49.6%

Fixed assets €60k▼ 29.4%

Current assets €59k▼ 10.4%

Key figures and ratios

2025 value · change against 2024

EBITDA

€-6k▼

2024 · €37k

Cash flow

€-14k▼

2024 · €29k

Solvency

-8.0%▼

2024 · 15.2%

Current ratio

0.55▼

2024 · 0.72

Quick ratio

0.53▼

2024 · 0.69

Debt / equity

-13.47▼

2024 · 5.59

ROA

-27.2%▼

2024 · 9.4%

Interest coverage

-0.80▼

2024 · 4.61

Debt

€129k▲

2024 · €129k

Debt ≤ 1 year

€108k▲

2024 · €92k

Debt > 1 year

€21k▼

2024 · €37k

Income taxes

€435▲

2024 · €394

Staff costs

€118k▲

2024 · €106k

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€152k€120k▼

Fixed assets21/28€86k€60k▼

Tangible fixed assets22/27€86k€60k▼

Plant, machinery and equipment23€671€337▼

Furniture and vehicles24€85k€60k▼

Current assets29/58€66k€59k▼

Stocks and contracts in progress3€2k€2k▲

Stocks30/36€2k€2k▲

Amounts receivable within one year40/41€9k€28k▲

Trade receivables40€9k€4k▼

Other amounts receivable41€181€25k▲

Cash at bank and in hand54/58€45k€24k▼

Deferred charges and accrued income490/1€10k€5k▼

Equity and liabilities

Total equity and liabilities10/49€152k€120k▼

Equity10/15€23k€-10k▼

Contributions10/11€10k€10k=

Reserves13€35k€35k=

Tax-exempt reserves132€35k€35k=

Profit (loss) carried forward14€-22k€-55k▼

Amounts payable17/49€129k€129k▲

Amounts payable after more than one year17€37k€21k▼

Financial debts170/4€37k€21k▼

Amounts payable within one year42/48€92k€108k▲

Current portion of amounts payable after more than one year42€15k€15k▲

Trade debts44€36k€50k▲

Suppliers440/4€36k€50k▲

Taxes, remuneration and social security45€36k€37k▲

Taxes450/3€18k€18k▲

Remuneration and social security454/9€18k€18k▲

Other amounts payable47/48€6k€6k▼

Income statement Code20242025

Remuneration, social security and pensions62€106k€118k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€19k▲

Other operating charges640/8€13k€6k▼

Non-recurring operating charges66A-€928

Gross operating margin9900€156k€118k▼

Operating profit (loss)9901€23k€-25k▼

Financial income75/76B€20€6▼

Recurring financial income75€20€6▼

Financial charges65/66B€8k€7k▼

Recurring financial charges65€8k€7k▼

Profit (loss) for the period before taxes9903€15k€-32k▼

Income taxes67/77€394€435▲

Profit (loss) for the period9904€14k€-33k▼

Profit (loss) for the period to be appropriated9905€14k€-33k▼

Appropriation of the result

Profit (loss) to be appropriated9906€-22k€-55k▼

Profit (loss) brought forward from the previous period14P€-36k€-22k▲

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 2Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

30-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

17-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Back to profitnet €14k

Net result €14k after one loss-making year.

10-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Weakest financial yearnet €-37k ▼203%

Net result drops to €-37k, the lowest in the series; recovery starts the following year.

13-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

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, Grâce-Hollogne · 1 establishment unit since 2021

establishment The establishment unit on the map

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 Hector Denis 174460 Grâce-Hollogne

Ground area

1,316 m²

Building footprint

196 m²

Volume, LiDAR

1,642 m³

Parcel 62046A0491/00Z003, Wallonia · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

CIBO

Rue Hector Denis 17, 4460 Grâce-HollogneRetail sale of wines and spirits

since 20212.322.008.467

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62046A0491/00Z003	Wallonia	1,315 m²	1 · 196 m²	10.1 m · 3 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.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Grâce-Hollogne2.322.008.467

3 permissions

Toelating · Ambulante eetgelegenheid · since 28-10-2021

Toelating · Eetgelegenheid · since 28-10-2021

Drankgelegenheid · since 15-07-2021

Similar companies · same sector, comparable size

Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 4,037 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded15-07-2021

Fiscal year end31-12

Activities, NACEBEL

56101Full-service restaurants

56111Full-service restaurants

56301Cafés and bars

47251Retail sale of wines and spirits

47279Other retail sale of food

47299Retail trade

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.