Skip to content

Cuvée13

Active
Private limited companyfounded 20233 yrs activeMarkt 13, 2460 Kasterlee, BelgiumKBO/BCE: BE 0798.379.680
Summary

The computed 12-month bankruptcy probability of Cuvée13 is 5.3% (elevated). The 2025 annual accounts show equity of €38,694 and a net result of €4,572. Its solvency ranks better than 43% of 13604 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability62▼-36
Solvency48▼-2
Growth52
Track record94
Bankruptcy probability, 12 months
5.3% Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days only on tighter terms
Liquidity short (current ratio 0.66 against 0.61 in 2024; short-term debt: 67% and cash: 14.4% of total assets), and 77% of the assets are financed with debt.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

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
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 3 years 0 10 y
raises risk · Multiple establishment units
Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.
KBO · establishment units
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
23%
Return on assets
2.7%
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 17-08-2026, 17 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 · 2 filings
Deviation from the deadline
2025
17 d late
2024
87 d late
← 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 52 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 52% of the sector filed late.

Checked, nothing found (2)
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 months
Position in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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

History

Cuvée13 was incorporated on 13 February 2023 as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

Go further with this company

Is this your company? See how customers and banks see it.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, micro schema

Equity
€38,694▲ 13.4%
2024 · €34,122
Total assets
€168,491▲ 25.4%
2024 · €134,371
Net result
€4,572▼ 85.5%
2024 · €31,622
Working capital
-€37,874▼ 2.1%
2024 · -€37,106
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
Line20242025
Operating result€47,744-€11,788▼ 75.3%
Net result€31,622above the sector's middle half-€4,572within the sector's middle half▼ 85.5%
Equity€34,122within the sector's middle half-€38,694within the sector's middle half▲ 13.4%
Total assets€134,371within the sector's middle half-€168,491within the sector's middle half▲ 25.4%
Debt€100,250-€129,797▲ 29.5%
Working capital-€37,106below the sector's middle half--€37,874below the sector's middle half▼ 2.1%
Solvency25.4%within the sector's middle half-23.0%within the sector's middle half▼ 2.4pp
Current ratio0.61within the sector's middle half-0.66within the sector's middle half▲ 0.06
Return on assets (ROA)23.5%above the sector's middle half-2.7%within the sector's middle half▼ 20.8pp
Staff (FTE)0.8-1.7▲ 113%
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€20,000€40,000Operating result 2024: €47,744€47,744Net result 2024: €31,622€31,622Operating result 2025: €11,788€11,788Net result 2025: €4,572€4,57220242025€0€20,000€40,000Operating result 2024: €47,744€47,700Net result 2024: €31,622€31,600Operating result 2025: €11,788€11,800Net result 2025: €4,572€4,57020242025
The operating result falls in 2025; 2025 is 75% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €168,491
Fixed assets €93,504 ▲ 21.4%
Current assets €74,987 ▲ 30.7%
Equity and liabilities €168,491
Equity €38,694 ▲ 13.4%
Debt €129,797 ▲ 29.5%
Debt's share of the balance-sheet total rises from 74.6% to 77.0%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€29,226▼
2024 · €68,717
Cash flow
€22,010▼
2024 · €52,595
Quick ratio
0.49▼
2024 · 0.55
Debt to equity
3.35▲
2024 · 2.94
ROE
11.8%▼
2024 · 92.7%
Interest coverage
4.81▼
2024 · 7.36
Debt ≤ 1 year
€112,861▲
2024 · €94,484
Debt > 1 year
€16,936▲
2024 · €4,663
Income taxes
€1,148▼
2024 · €6,818
Staff costs
€62,938▲
2024 · €49,655
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,541 companies that looked in July 2024 the way this one looks now, 3.3% went bankrupt within 24 months and 95% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 10 to 30%
  • a profit under 5% of the balance sheet
3.3% went bankrupt
1.1% stopped otherwise
95% still going

A further 0.7% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 5.3% 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 497,662 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% 1.7%
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 75% 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 2,541 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 · 2025 against 2024 · 48 lines
Balance sheet Code20242025
Assets
Total assets20/58€134,371€168,491▲
Fixed assets21/28€76,993€93,504▲
Tangible fixed assets22/27€76,993€89,904▲
Plant, machinery and equipment23€75,987€86,942▲
Furniture and vehicles24€1,006€2,962▲
Financial fixed assets28-€3,600
Current assets29/58€57,378€74,987▲
Stocks and contracts in progress3€5,133€20,133▲
Stocks30/36€5,133€20,133▲
Amounts receivable within one year40/41€28,785€29,382▲
Trade receivables40€28,775€29,382▲
Other amounts receivable41€10€0▼
Cash at bank and in hand54/58€23,460€24,346▲
Deferred charges and accrued income490/1-€1,126
Equity and liabilities
Total equity and liabilities10/49€134,371€168,491▲
Equity10/15€34,122€38,694▲
Contributions10/11€2,500€2,500=
Reserves13€31,622€36,194▲
Distributable reserves133€31,622€36,194▲
Amounts payable17/49€100,250€129,797▲
Amounts payable after more than one year17€4,663€16,936▲
Financial debts170/4€4,663€16,936▲
Amounts payable within one year42/48€94,484€112,861▲
Current portion of amounts payable after more than one year42€8,372€12,223▲
Trade debts44€26,412€19,580▼
Suppliers440/4€26,412€19,580▼
Advances received on contracts in progress46-€14,502
Taxes, remuneration and social security45€21,133€21,836▲
Taxes450/3€7,763€7,523▼
Remuneration and social security454/9€13,370€14,312▲
Other amounts payable47/48€38,568€44,720▲
Accrued charges and deferred income492/3€1,103€0▼
Income statement Code20242025
Remuneration, social security and pensions62€49,655€62,938▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20,973€17,438▼
Other operating charges640/8€745€1,499▲
Gross operating margin9900€119,117€93,662▼
Operating profit (loss)9901€47,744€11,788▼
Financial income75/76B€30€9▼
Recurring financial income75€30€9▼
Financial charges65/66B€9,336€6,076▼
Recurring financial charges65€9,336€6,076▼
Profit (loss) for the period before taxes9903€38,439€5,720▼
Income taxes67/77€6,818€1,148▼
Profit (loss) for the period9904€31,622€4,572▼
Profit (loss) for the period to be appropriated9905€31,622€4,572▼
Appropriation of the result
Profit (loss) to be appropriated9906€31,622€4,572▼
Transfer to equity691/2€31,622€4,572▼
To other reserves6921€31,622€4,572▼

The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20242025Change
Remuneration, social security and pensions62€49,655€62,938▲ 26.8%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20,973€17,438▼ 16.9%
Other operating charges640/8€745€1,499▲ 101%
Gross operating margin9900€119,117€93,662▼ 21.4%
Operating profit (loss)9901€47,744€11,788▼ 75.3%
Financial income75/76B€30€9▼ 71.2%
Recurring financial income75€30€9▼ 71.2%
Financial charges65/66B€9,336€6,076▼ 34.9%
Recurring financial charges65€9,336€6,076▼ 34.9%
Profit (loss) for the period before taxes9903€38,439€5,720▼ 85.1%
Income taxes67/77€6,818€1,148▼ 83.2%
Profit (loss) for the period9904€31,622€4,572▼ 85.5%
Profit (loss) for the period to be appropriated9905€31,622€4,572▼ 85.5%
Line20242025Change
Assets
Total assets20/58€134,371€168,491▲ 25.4%
Fixed assets21/28€76,993€93,504▲ 21.4%
Tangible fixed assets22/27€76,993€89,904▲ 16.8%
Plant, machinery and equipment23€75,987€86,942▲ 14.4%
Furniture and vehicles24€1,006€2,962▲ 194%
Financial fixed assets28-€3,600-
Current assets29/58€57,378€74,987▲ 30.7%
Stocks and contracts in progress3€5,133€20,133▲ 292%
Stocks30/36€5,133€20,133▲ 292%
Amounts receivable within one year40/41€28,785€29,382▲ 2.1%
Trade receivables40€28,775€29,382▲ 2.1%
Other amounts receivable41€10€0▼ 100%
Cash at bank and in hand54/58€23,460€24,346▲ 3.8%
Deferred charges and accrued income490/1-€1,126-
Equity and liabilities
Total equity and liabilities10/49€134,371€168,491▲ 25.4%
Equity10/15€34,122€38,694▲ 13.4%
Contributions10/11€2,500€2,500=
Reserves13€31,622€36,194▲ 14.5%
Distributable reserves133€31,622€36,194▲ 14.5%
Amounts payable17/49€100,250€129,797▲ 29.5%
Amounts payable after more than one year17€4,663€16,936▲ 263%
Financial debts170/4€4,663€16,936▲ 263%
Amounts payable within one year42/48€94,484€112,861▲ 19.4%
Current portion of amounts payable after more than one year42€8,372€12,223▲ 46.0%
Trade debts44€26,412€19,580▼ 25.9%
Suppliers440/4€26,412€19,580▼ 25.9%
Advances received on contracts in progress46-€14,502-
Taxes, remuneration and social security45€21,133€21,836▲ 3.3%
Taxes450/3€7,763€7,523▼ 3.1%
Remuneration and social security454/9€13,370€14,312▲ 7.0%
Other amounts payable47/48€38,568€44,720▲ 16.0%
Accrued charges and deferred income492/3€1,103€0▼ 100%
Line20242025Change
Profit (loss) for the period9904€31,622€4,572▼ 85.5%
+ Depreciation and write-downs630€20,973€17,438▼ 16.9%
Operating cash flow (approximation)€52,595€22,010▼ 58.2%
Investment in fixed assets (approximation)--€33,949-
Change in cash-€885-

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

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
17-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
26-10
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 87 days late
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

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, Kasterlee · 2 establishment units since 2023
seat establishment All 2 establishment units on the map
Ground area
933 m²
Building footprint
300 m²
Volume, LiDAR
1,806 m³
2 parcels, Flanders · tallest building 10.9 m, ±2 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
2 establishment units
Markt 13, 2460 Kasterlee
Wholesale of wines and spirits
since 20232.342.158.436
Markt 10, 2460 Kasterlee
Retail sale of wines and spirits
since 20252.372.859.332
2 parcels
Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
13017G0511/00E000 Flanders 504 m² 1 · 192 m² 10.7 m · 2 fl.
13017G0521/00H000 Flanders 430 m² 1 · 107 m² 10.9 m · 2 fl.
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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

2 sites
Kasterlee2.342.158.436
2 permissions
Toelating · Eetgelegenheid · since 25-04-2024
Detailhandel LM>3 maand · since 15-04-2023
Kasterlee2.372.859.332
1 permission
Toelating · Detailhandel · since 09-05-2025

Similar companies · same sector, comparable size

Of 618 companies in sector 56309 we hold annual accounts for 118. 95 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
Founded13-02-2023
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
56309Food and beverage service activities
46341Wholesale of wines and spirits
47251Retail sale of wines and spirits
47279Other retail sale of food
E-invoicing
Reachable via Peppol
Peppol ID 0208:0798379680
Also 9925:BE0798379680
Registered 07-10-2024

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 28 September 2026 · Peppol Directory

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