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CUATTRO

Active
Private limited companyfounded 20224 yrs activeRue des Meuniers(PAU) 1, 7100 La Louvière, BelgiumKBO/BCE: BE 0787.800.544
Summary

The computed 12-month bankruptcy probability of CUATTRO is 13.9% (high). The 2024 annual accounts show equity of €10,149 and a net result of €4,026. Its solvency ranks better than 36% of 18930 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 2 administrative register entries (see administrative flags).

Checked score

Score 2024
Axes · tick = 2023
Profitability75▲+22
Solvency38▲+6
Growth78
Track record78
Bankruptcy probability, 12 months
13.9% High
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.14 against 0.13 in 2023; short-term debt: 62.3% and cash: 4.1% of total assets), and 87.4% of the assets are financed with debt.
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Signals

Eight signals. The signal on the left, the evidence on the right.
+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
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 4 years 0 10 y
raises risk · Recent warning signals
The last 24 months brought warning signals in the Staatsblad or the KBO, and those often pile up before a bankruptcy.
Belgian State Gazette
raises risk · Ex-officio strike-off
The KBO struck this company off ex officio, which points to unmet obligations and often precedes a bankruptcy.
KBO publications
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 2024
Solvency, return and age of the figures
Solvency
12.6%
Return on assets
5%
Age of the figures
21 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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 26-06-2025, 35 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
not confirmed
2024
35 d early
2023
on the day
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 18 days before the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 52% of the sector filed late.

raises risk · Administrative warnings in the KBO publications
2 publications by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or their withdrawal.
KBO publications
Publications
Address struckAddress strikeout annulled

History

CUATTRO was incorporated on 29 June 2022 as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2024

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Financials · fiscal year 2024, micro schema

Equity
€10,149▲ 65.7%
2023 · €6,123
Total assets
€80,380▼ 10.3%
2023 · €89,600
Net result
€4,026▲ 28.9%
2023 · €3,123
Working capital
-€43,316▲ 4.6%
2023 · -€45,401
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20232024
Operating result€14,025-€7,218▼ 48.5%
Net result€3,123within the sector's middle half-€4,026within the sector's middle half▲ 28.9%
Equity€6,123within the sector's middle half-€10,149within the sector's middle half▲ 65.7%
Total assets€89,600within the sector's middle half-€80,380within the sector's middle half▼ 10.3%
Debt€83,476-€70,230▼ 15.9%
Working capital-€45,401--€43,316▲ 4.6%
Solvency6.8%within the sector's middle half-12.6%within the sector's middle half▲ 5.8pp
Staff (FTE)3.1-
above within below the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€5,000€10,000€15,000Operating result 2023: €14,025€14,025Net result 2023: €3,123€3,123Operating result 2024: €7,218€7,218Net result 2024: €4,026€4,02620232024€0€5,000€10,000€15,000Operating result 2023: €14,025€14,000Net result 2023: €3,123€3,120Operating result 2024: €7,218€7,220Net result 2024: €4,026€4,03020232024
The operating result falls in 2024; 2024 is 49% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €80,380
Fixed assets €73,608 ▼ 11.4%
Current assets €6,771 ▲ 4.3%
Equity and liabilities €80,380
Equity €10,149 ▲ 65.7%
Debt €70,230 ▼ 15.9%
Debt's share of the balance-sheet total falls from 93.2% to 87.4%. Equity is higher and debt is lower.
Key figures and ratios
2024 value · change against 2023
EBITDA
€16,718▼
2023 · €26,700
Cash flow
€13,526▼
2023 · €15,799
Current ratio
0.14▲
2023 · 0.13
Debt to equity
6.92▼
2023 · 13.63
ROE
39.7%▼
2023 · 51.0%
ROA
5.0%▲
2023 · 3.5%
Interest coverage
8.58▲
2023 · 3.64
Debt ≤ 1 year
€50,087▼
2023 · €51,893
Debt > 1 year
€20,143▼
2023 · €31,584
Income taxes
€1,244▼
2023 · €3,565
Staff costs
€2,915▼
2023 · €58,836
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 7,976 companies that looked in July 2024 the way this one looks now, 3.1% went bankrupt within 24 months and 94% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more
3.1% went bankrupt
1.6% stopped otherwise
94% still going

A further 1.0% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 13.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 7,976 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 40 lines
Balance sheet Code20232024
Assets
Total assets20/58€89,600€80,380▼
Fixed assets21/28€83,108€73,608▼
Intangible fixed assets21€82,325€72,825▼
Financial fixed assets28€784€784=
Current assets29/58€6,491€6,771▲
Stocks and contracts in progress3€1,442-
Stocks30/36€1,442-
Amounts receivable within one year40/41€4,025€3,477▼
Trade receivables40€4,025€3,477▼
Cash at bank and in hand54/58€1,024€3,295▲
Equity and liabilities
Total equity and liabilities10/49€89,600€80,380▼
Equity10/15€6,123€10,149▲
Contributions10/11€3,000€3,000=
Profit (loss) carried forward14€3,123€7,149▲
Amounts payable17/49€83,476€70,230▼
Amounts payable after more than one year17€31,584€20,143▼
Financial debts170/4€31,584€20,143▼
Amounts payable within one year42/48€51,893€50,087▼
Current portion of amounts payable after more than one year42€12,024€11,441▼
Trade debts44€17,008€15,175▼
Suppliers440/4€17,008€15,175▼
Taxes, remuneration and social security45€22,158€17,731▼
Taxes450/3€11,001€12,632▲
Remuneration and social security454/9€11,157€5,099▼
Other amounts payable47/48€702€5,741▲
Income statement Code20232024
Remuneration, social security and pensions62€58,836€2,915▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12,675€9,500▼
Other operating charges640/8€9,007€234▼
Gross operating margin9900€94,544€19,866▼
Operating profit (loss)9901€14,025€7,218▼
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€7,337€1,947▼
Recurring financial charges65€7,337€1,947▼
Profit (loss) for the period before taxes9903€6,689€5,270▼
Income taxes67/77€3,565€1,244▼
Profit (loss) for the period9904€3,123€4,026▲
Profit (loss) for the period to be appropriated9905€3,123€4,026▲
Appropriation of the result
Profit (loss) to be appropriated9906€3,123€7,149▲
Profit (loss) brought forward from the previous period14P-€3,123

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20232024Change
Remuneration, social security and pensions62€58,836€2,915▼ 95.0%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12,675€9,500▼ 25.1%
Other operating charges640/8€9,007€234▼ 97.4%
Gross operating margin9900€94,544€19,866▼ 79.0%
Operating profit (loss)9901€14,025€7,218▼ 48.5%
Financial income75/76B€1--
Recurring financial income75€1--
Financial charges65/66B€7,337€1,947▼ 73.5%
Recurring financial charges65€7,337€1,947▼ 73.5%
Profit (loss) for the period before taxes9903€6,689€5,270▼ 21.2%
Income taxes67/77€3,565€1,244▼ 65.1%
Profit (loss) for the period9904€3,123€4,026▲ 28.9%
Profit (loss) for the period to be appropriated9905€3,123€4,026▲ 28.9%
Line20232024Change
Assets
Total assets20/58€89,600€80,380▼ 10.3%
Fixed assets21/28€83,108€73,608▼ 11.4%
Intangible fixed assets21€82,325€72,825▼ 11.5%
Financial fixed assets28€784€784=
Current assets29/58€6,491€6,771▲ 4.3%
Stocks and contracts in progress3€1,442--
Stocks30/36€1,442--
Amounts receivable within one year40/41€4,025€3,477▼ 13.6%
Trade receivables40€4,025€3,477▼ 13.6%
Cash at bank and in hand54/58€1,024€3,295▲ 222%
Equity and liabilities
Total equity and liabilities10/49€89,600€80,380▼ 10.3%
Equity10/15€6,123€10,149▲ 65.7%
Contributions10/11€3,000€3,000=
Profit (loss) carried forward14€3,123€7,149▲ 129%
Amounts payable17/49€83,476€70,230▼ 15.9%
Amounts payable after more than one year17€31,584€20,143▼ 36.2%
Financial debts170/4€31,584€20,143▼ 36.2%
Amounts payable within one year42/48€51,893€50,087▼ 3.5%
Current portion of amounts payable after more than one year42€12,024€11,441▼ 4.9%
Trade debts44€17,008€15,175▼ 10.8%
Suppliers440/4€17,008€15,175▼ 10.8%
Taxes, remuneration and social security45€22,158€17,731▼ 20.0%
Taxes450/3€11,001€12,632▲ 14.8%
Remuneration and social security454/9€11,157€5,099▼ 54.3%
Other amounts payable47/48€702€5,741▲ 718%
Line20232024Change
Profit (loss) for the period9904€3,123€4,026▲ 28.9%
+ Depreciation and write-downs630€12,675€9,500▼ 25.1%
Operating cash flow (approximation)€15,799€13,526▼ 14.4%
Investment in fixed assets (approximation)-€0-
Change in cash-€2,270-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
05-12
KBO administration Address strikeout annulled
22-08
KBO administration Address struck
Rue Lintermans 31 Die Sitzadresse Rue Lintermans 31 7180 Seneffe · event 19-06-2025
26-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
SignalNBB filing
0 of 3 acts read
About the unread acts

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
3 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, La Louvière · 1 establishment unit since 2022
seat establishment The establishment unit on the map
Ground area
368 m²
Building footprint
64 m²
Volume, LiDAR
492 m³
Parcel 56033B0116/00H002, Wallonia · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CUATTRO
Rue des Meuniers(PIE) 1, 7100 La LouvièreFood and beverage service activities
since 20222.333.583.339
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
56033B0116/00H002 Wallonia 368 m² 1 · 64 m² 10.1 m · 3 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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

Of 21,859 companies in sector 56112 we hold annual accounts for 9,782. 6,935 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded29-06-2022
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
Contact
E-mail robin.cuvelier@raal.be
E-mail romeroleon.tania@gmail.com
E-invoicing
Reachable via Peppol
Peppol ID 0208:0787800544
Registered 11-09-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.