Cliché
ActiveThe computed 12-month bankruptcy probability of Cliché is 2.0% (moderate). The 2025 annual accounts show equity of €248k and a net result of €238k. Its solvency ranks better than 79% of 13091 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency90
Growth-
Track record67
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days only on tighter terms
Liquidity ample (current ratio 2.15; short-term debt: 35.1% and cash: 59.7% of total assets), and 35.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
64.9%
Return on assets
62.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 1 filingDeviation from the deadline
2025
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€248k
Total assets
€381k
Net result
€238k
Working capital
€153k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €381k
Fixed assets
€94k
Current assets
€287k
Equity and liabilities €381k
Equity
€248k
Debt
€134k
Debt finances 35.1% of the balance-sheet total.
Key figures and ratios
EBITDA
€323k
Cash flow
€248k
Solvency
64.9%
Current ratio
2.15
Quick ratio
2.11
Debt / equity
0.54
ROE
96.0%
ROA
62.3%
Interest coverage
50.91
Debt
€134k
Debt ≤ 1 year
€134k
Income taxes
€74k
Staff costs
€71k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€381k
Fixed assets21/28€94k
Intangible fixed assets21€54k
Tangible fixed assets22/27€31k
Plant, machinery and equipment23€30k
Furniture and vehicles24€1k
Financial fixed assets28€9k
Current assets29/58€287k
Stocks and contracts in progress3€5k
Stocks30/36€5k
Amounts receivable within one year40/41€49k
Other amounts receivable41€49k
Cash at bank and in hand54/58€228k
Deferred charges and accrued income490/1€6k
Equity and liabilities
Total equity and liabilities10/49€381k
Equity10/15€248k
Contributions10/11€10k
Profit (loss) carried forward14€238k
Amounts payable17/49€134k
Amounts payable within one year42/48€134k
Trade debts44€28k
Suppliers440/4€28k
Taxes, remuneration and social security45€106k
Taxes450/3€93k
Remuneration and social security454/9€13k
Income statement
Code2025
Remuneration, social security and pensions62€71k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k
Other operating charges640/8€14k
Gross operating margin9900€408k
Operating profit (loss)9901€312k
Financial income75/76B€6k
Recurring financial income75€6k
Financial charges65/66B€6k
Recurring financial charges65€6k
Profit (loss) for the period before taxes9903€311k
Income taxes67/77€74k
Profit (loss) for the period9904€238k
Profit (loss) for the period to be appropriated9905€238k
Appropriation of the result
Profit (loss) to be appropriated9906€238k
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
NBB filing
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, Kortrijk · 1 establishment unit since 2024
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.
Grote Markt(Kor) 118500 KortrijkGround area
51 m²
Building footprint
51 m²
Volume, LiDAR
552 m³
Parcel 34353H0151/00A000, Flanders · tallest building 12.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Cliché
since 20242.366.441.001
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34353H0151/00A000 | Flanders | 51 m² | 1 · 51 m² | 12.8 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 siteKortrijk2.366.441.001
Similar companies · same sector, comparable size
SOMAX
BE 0783.602.622
Knokke-Heist · Eq €248k
DE DORPSPOMP
BE 0884.260.017
Herselt · Eq €247k
LES ATELIERS DU MIDI
BE 0456.722.916
Sint-Gillis (bij-Brussel) · Eq €247k
Kate's Place
BE 0767.481.321
Heuvelland · Eq €248k
A-J
BE 0788.986.419
Tournai · Eq €249k
Of 14,028 companies in sector 56301 we hold annual accounts for 4,893. 2,851 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-11-2024
Fiscal year end31-12
Activities, NACEBEL
56301Cafés and bars
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.