CONTENDRA
ActiveThe computed 12-month bankruptcy probability of CONTENDRA is 1.6% (moderate). The 2024 annual accounts show equity of €85k and a net result of €127k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 49% of 18937 sector peers (fiscal year 2024). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability100=
Solvency34▼-32
Growth78=
Stability100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.64 against 0.62 in 2023), and 72.5% 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 →
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 31-12-2024 was due by 31-07-2025 and was filed on 17-07-2025, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
14 d early
2023
28 d late
2022
62 d early
2021
60 d early
2020
51 d early
2019
59 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€85k▼ 28.0%
2023 · €119k
2018: €-38k
2019: €-50k
2020: €-9k
2021: €31k
2022: €-1k
2023: €119k
2018 → 2024
Total assets
€311k▲ 38.0%
2023 · €226k
2018: €278k
2019: €238k
2020: €240k
2021: €287k
2022: €383k
2023: €226k
2018 → 2024
Net result
€127k▲ 5.8%
2023 · €120k
2018: €50k
2019: €-13k
2020: €42k
2021: €40k
2022: €-32k
2023: €120k
2018 → 2024
Working capital
€-79k▼ 105%
2023 · €-38k
2018: €-141k
2019: €-140k
2020: €-72k
2021: €-40k
2022: €-134k
2023: €-38k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-9k-€31k€-1k€119k€85k▼ 28.0%
Operating result€43k-€45k▲ 4.6%€-26k€148k€177k▲ 19.4%
Net result€42k-€40k▼ 4.6%€-32k€120k€127k▲ 5.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 19% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €311k
Fixed assets
€171k▲ 5.4%
Current assets
€140k▲ 121%
Equity and liabilities €311k
Equity
€85k▼ 28.0%
Debt
€226k▲ 111%
The debt ratio rises from 47.4% to 72.5%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€220k▲
2023 · €176k
Cash flow
€170k▲
2023 · €148k
Solvency
27.5%▼
2023 · 52.6%
Current ratio
0.64▲
2023 · 0.62
Quick ratio
0.53▲
2023 · 0.44
Debt / equity
2.64▲
2023 · 0.90
ROE
148.4%▲
2023 · 101.0%
ROA
40.7%▼
2023 · 53.1%
Interest coverage
51.13▲
2023 · 22.51
Debt
€226k▲
2023 · €107k
Debt ≤ 1 year
€219k▲
2023 · €102k
Income taxes
€46k▲
2023 · €21k
Staff costs
€139k▼
2023 · €173k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€226k€311k▲
Fixed assets21/28€162k€171k▲
Tangible fixed assets22/27€158k€167k▲
Land and buildings22€31k€23k▼
Plant, machinery and equipment23€49k€48k▼
Furniture and vehicles24€8k€6k▼
Other tangible fixed assets26€70k€89k▲
Financial fixed assets28€4k€4k=
Current assets29/58€63k€140k▲
Stocks and contracts in progress3€19k€24k▲
Stocks30/36€19k€24k▲
Amounts receivable within one year40/41€12k€4k▼
Trade receivables40€6k€3k▼
Other amounts receivable41€5k€2k▼
Cash at bank and in hand54/58€27k€105k▲
Deferred charges and accrued income490/1€6k€6k▲
Equity and liabilities
Total equity and liabilities10/49€226k€311k▲
Equity10/15€119k€85k▼
Contributions10/11€40k€40k=
Reserves13€79k€45k▼
Distributable reserves133€79k€45k▼
Amounts payable17/49€107k€226k▲
Amounts payable within one year42/48€102k€219k▲
Current portion of amounts payable after more than one year42€13k-
Trade debts44€33k€17k▼
Suppliers440/4€33k€17k▼
Taxes, remuneration and social security45€15k€34k▲
Taxes450/3€6k€25k▲
Remuneration and social security454/9€8k€9k▲
Other amounts payable47/48€42k€168k▲
Accrued charges and deferred income492/3€5k€7k▲
Income statement
Code20232024
Non-recurring operating income76A-€1k
Remuneration, social security and pensions62€173k€139k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€43k▲
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A€4k-
Gross operating margin9900€355k€361k▲
Operating profit (loss)9901€148k€177k▲
Financial income75/76B€614€199▼
Recurring financial income75€614€199▼
Financial charges65/66B€8k€4k▼
Recurring financial charges65€8k€4k▼
Profit (loss) for the period before taxes9903€141k€172k▲
Income taxes67/77€21k€46k▲
Profit (loss) for the period9904€120k€127k▲
Profit (loss) for the period to be appropriated9905€120k€127k▲
Appropriation of the result
Profit (loss) to be appropriated9906€39k€127k▲
Profit (loss) brought forward from the previous period14P€-81k-
Transfer from equity791/2-€33k
Transfer to equity691/2€39k-
To other reserves6921€39k-
Profit to be distributed694/7-€160k
Return on contributions (dividend)694-€160k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €127k ▲5.8%
Operating result €177k, net result €127k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Back to profitnet €120k
Net result €120k after one loss-making year.
31-12
Financial
Equity above €100kEq €119k
Equity rises from €-1k to €119k.
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-32k ▼180%
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
01-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €42k
Net result €42k after one loss-making year.
02-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
14-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
26-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
31-12-2025
Patrick Verstraete: Resigned as Director
21-03-2023
Landuyt Mieke: Resigned as Director
21-03-2023
Van Haver Sven: Resigned as Director
Location & real-estate footprint
Registered office, Knokke-Heist · 1 establishment unit since 2013
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.
Elizabetlaan 68300 Knokke-HeistGround area
594 m²
Building footprint
256 m²
Volume, LiDAR
2,786 m³
Parcel 31332E0220/00C000, Flanders · tallest building 14.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Bistro L'Echiquier
since 20132.216.074.668
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31332E0220/00C000 | Flanders | 594 m² | 1 · 256 m² | 14.6 m · 4 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 to 2023 · 2 entries · 5,700 EUR awarded · 5,700 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 0 EUR | 5,700 EUR |
| 2022 | 1 | 5,700 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteKnokke-Heist2.216.074.668
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Of 20,234 companies in sector 56111 we hold annual accounts for 11,310. 9,603 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-01-2013
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.