CROQUE
ActiveThe computed 12-month bankruptcy probability of CROQUE is 3.2% (moderate). The 2025 annual accounts show negative equity (€-8k) and a net result of €-23k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 20% of 13061 sector peers (fiscal year 2025). The company has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency56▲+10
Growth52=
Stability100
Bankruptcy probability, 12 months
3.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 1.53 against 2.19 in 2024), but equity is negative.
Credit advice for your own amount and term
Signals
Eight 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 · 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
-14.5%
Return on assets
-43.8%
Age of the figures
8 mo
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
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€8k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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 · 10 filingsDeviation from the deadline
2025
19 d late
2024
14 d late
2023
27 d early
2022
19 d late
2021
23 d late
2020
1 d early
2019
28 d late
← before the deadline
after the deadline →
neutral · 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 monthsPosition in the running window
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-8k
2024 · €15k
2018: €-12k
2019: €-16k
2020: €-14k
2021: €-3k
2022: €9k
2023: €18k
2024: €15k
2018 → 2025
Total assets
€52k▼ 33.5%
2024 · €78k
2018: €37k
2019: €26k
2020: €19k
2021: €37k
2022: €46k
2023: €89k
2024: €78k
2018 → 2025
Net result
€-23k▼ 610%
2024 · €-3k
2018: €2k
2019: €-4k
2020: €2k
2021: €11k
2022: €12k
2023: €10k
2024: €-3k
2018 → 2025
Working capital
€13k▼ 58.5%
2024 · €30k
2018: €-2k
2019: €3k
2020: €7k
2021: €19k
2022: €23k
2023: €19k
2024: €30k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-3k-€9k€18k▲ 107%€15k▼ 17.4%€-8k
Operating result€10k-€19k▲ 96.0%€12k▼ 36.8%€3k▼ 73.9%€-17k
Net result€11k-€12k▲ 13.1%€10k▼ 22.9%€-3k€-23k▼ 610%
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 €17k after €3k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €52k
Fixed assets
€16k▼ 30.0%
Current assets
€36k▼ 35.0%
Key figures and ratios
EBITDA
€-9k▼
2024 · €10k
Cash flow
€-15k▼
2024 · €4k
Solvency
-14.5%▼
2024 · 19.5%
Current ratio
1.53▼
2024 · 2.19
Quick ratio
1.43▼
2024 · 2.10
Debt / equity
-7.91▼
2024 · 4.13
ROE
302.7%▲
2024 · -21.0%
ROA
-43.8%▼
2024 · -4.1%
Interest coverage
-1.71▼
2024 · 1.56
Debt
€60k▼
2024 · €63k
Debt ≤ 1 year
€24k▼
2024 · €25k
Debt > 1 year
€36k▼
2024 · €38k
Income taxes
€12▼
2024 · €22
Staff costs
€11k▲
2024 · €4k
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€78k€52k▼
Fixed assets21/28€22k€16k▼
Tangible fixed assets22/27€22k€15k▼
Furniture and vehicles24€22k€15k▼
Financial fixed assets28€619€619=
Current assets29/58€56k€36k▼
Stocks and contracts in progress3€2k€3k▲
Stocks30/36€2k€3k▲
Amounts receivable within one year40/41€44k€26k▼
Other amounts receivable41€44k€26k▼
Cash at bank and in hand54/58€10k€8k▼
Equity and liabilities
Total equity and liabilities10/49€78k€52k▼
Equity10/15€15k€-8k▼
Contributions10/11€6k€6k=
Capital10€6k-
Issued capital100€19k-
Uncalled capital101€12k-
Reserves13€9k€9k=
Non-distributable reserves130/1€524-
Legal reserve130€524-
Distributable reserves133€9k€9k▲
Profit (loss) carried forward14-€-23k
Amounts payable17/49€63k€60k▼
Amounts payable after more than one year17€38k€36k▼
Financial debts170/4€38k€36k▼
Amounts payable within one year42/48€25k€24k▼
Current portion of amounts payable after more than one year42€12k€12k▼
Trade debts44€7k€6k▼
Suppliers440/4€7k€6k▼
Taxes, remuneration and social security45€7k€6k▼
Taxes450/3€6k€6k▼
Remuneration and social security454/9€229-
Income statement
Code20242025
Remuneration, social security and pensions62€4k€11k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€8k▲
Other operating charges640/8€542€738▲
Gross operating margin9900€14k€2k▼
Operating profit (loss)9901€3k€-17k▼
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€-3k€-23k▼
Income taxes67/77€22€12▼
Profit (loss) for the period9904€-3k€-23k▼
Profit (loss) for the period to be appropriated9905€-3k€-23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-20k€-23k▼
Profit (loss) brought forward from the previous period14P€-17k-
Transfer from equity791/2€20k-
The notes to these accounts (10 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
31-12
Financial
Weakest financial yearnet €-23k
Net result drops to €-23k, the lowest in the series.
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 19 days late
2022
31-12
Financial
Highest result since 2018net €12k ▲13.1%
Operating result €19k, net result €12k, both a record.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 1 day late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Sint-Lambrechts-Woluwe · 1 establishment unit since 1995
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.
St-Lambrechts-Woluwelaan 38/401200 Sint-Lambrechts-WoluweGround area
91 m²
Building footprint
95 m²
Volume, LiDAR
1,160 m³
Parcel 21673D0141/00Z004, Brussels · tallest building 16.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
CROQUE
since 19952.073.174.070
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21673D0141/00Z004 | Brussels | 91 m² | 1 · 95 m² | 16.5 m · 5 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 siteSint-Lambrechts-Woluwe2.073.174.070
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BUKOVINA STREET
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VALMU
BE 0864.612.468
Waterloo · Eq €15k
Alfa & Co Trading Import Export
BE 0794.236.097
Middelkerke · Eq €15k
S.B.
BE 0693.751.126
Beveren-Kruibeke-Zwijndrecht · Eq €15k
LA CONCA D' ORO
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Of 20,231 companies in sector 56111 we hold annual accounts for 11,313. 8,091 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-07-1995
Fiscal year end31-12
Activities, NACEBEL
55301
55302
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 30 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.