D'OKKERNOTE
ActiveD'OKKERNOTE has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €32k and a net result of €-12k. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 43% of 13270 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
43
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability19▼-4
Solvency48▼-7
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity short (current ratio 0.83 against 1.16 in 2024; short-term debt: 50.7% and cash: 6.9% of total assets), and 77.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
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
22.8%
Return on assets
-8.5%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-12k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 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
4 d late
2024
28 d late
2023
28 d late
2022
7 d late
2021
4 d late
2020
1 d early
2019
31 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€32k▼ 27.2%
2024 · €44k
2018: €35k
2019: €47k
2020: €45k
2021: €59k
2022: €60k
2023: €53k
2024: €44k
2018 → 2025
Total assets
€139k▼ 4.0%
2024 · €145k
2018: €79k
2019: €98k
2020: €73k
2021: €92k
2022: €157k
2023: €162k
2024: €145k
2018 → 2025
Net result
€-12k▼ 20.0%
2024 · €-10k
2018: €6k
2019: €12k
2020: €-1k
2021: €13k
2022: €1k
2023: €-6k
2024: €-10k
2018 → 2025
Working capital
€-12k
2024 · €8k
2018: €-896
2019: €21k
2020: €23k
2021: €43k
2022: €29k
2023: €20k
2024: €8k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€59k-€60k▲ 1.8%€53k▼ 10.6%€44k▼ 18.5%€32k▼ 27.2%
Operating result€13k-€3k▼ 76.1%€-80€-5k▼ 6,090%€-7k▼ 47.0%
Net result€13k-€1k▼ 92.0%€-6k€-10k▼ 55.3%€-12k▼ 20.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7k in 2025 against €5k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €139k
Fixed assets
€81k▼ 7.1%
Current assets
€58k▲ 0.6%
Equity and liabilities €139k
Equity
€32k▼ 27.2%
Debt
€107k▲ 6.0%
The debt ratio rises from 69.9% to 77.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€6k▼
2024 · €7k
Cash flow
€1k▼
2024 · €2k
Solvency
22.8%▼
2024 · 30.1%
Current ratio
0.83▼
2024 · 1.16
Quick ratio
0.48▼
2024 · 0.65
Debt / equity
3.38▲
2024 · 2.32
ROE
-37.3%▼
2024 · -22.7%
ROA
-8.5%▼
2024 · -6.8%
Interest coverage
1.33▼
2024 · 1.50
Debt
€107k▲
2024 · €101k
Debt ≤ 1 year
€70k▲
2024 · €50k
Debt > 1 year
€37k▼
2024 · €49k
Income taxes
€141▲
2024 · €140
Staff costs
€75k▲
2024 · €61k
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€145k€139k▼
Fixed assets21/28€87k€81k▼
Tangible fixed assets22/27€78k€72k▼
Plant, machinery and equipment23€8k€6k▼
Furniture and vehicles24€2k€7k▲
Other tangible fixed assets26€68k€59k▼
Financial fixed assets28€9k€9k=
Current assets29/58€58k€58k▲
Stocks and contracts in progress3€26k€24k▼
Stocks30/36€26k€24k▼
Amounts receivable within one year40/41€25k€23k▼
Trade receivables40€12k€22k▲
Other amounts receivable41€13k€877▼
Cash at bank and in hand54/58€5k€10k▲
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€145k€139k▼
Equity10/15€44k€32k▼
Contributions10/11€31k€31k=
Reserves13€3k€3k=
Distributable reserves133€3k€3k=
Profit (loss) carried forward14€9k€-2k▼
Amounts payable17/49€101k€107k▲
Amounts payable after more than one year17€49k€37k▼
Financial debts170/4€49k€37k▼
Amounts payable within one year42/48€50k€70k▲
Current portion of amounts payable after more than one year42€12k€13k▲
Financial debts43€18€21▲
Credit institutions430/8€18€21▲
Trade debts44€25k€24k▼
Suppliers440/4€25k€24k▼
Taxes, remuneration and social security45€7k€20k▲
Taxes450/3€561€13k▲
Remuneration and social security454/9€7k€7k▲
Other amounts payable47/48€5k€13k▲
Accrued charges and deferred income492/3€2k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€61k€75k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€13k▲
Other operating charges640/8€927€1k▲
Gross operating margin9900€69k€82k▲
Operating profit (loss)9901€-5k€-7k▼
Financial income75/76B€0€21▲
Recurring financial income75€0€21▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€-10k€-12k▼
Income taxes67/77€140€141▲
Profit (loss) for the period9904€-10k€-12k▼
Profit (loss) for the period to be appropriated9905€-10k€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€-2k▼
Profit (loss) brought forward from the previous period14P€19k€9k▼
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
Next filing, fiscal year 2026, expected by
2026
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
2022
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 4 days late
2021
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 29 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Waregem · 1 establishment unit since 1994
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.
Kruishoutemseweg 848790 WaregemGround area
3,302 m²
Building footprint
610 m²
Volume, LiDAR
3,387 m³
Parcel 34452A0797/00B000, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kruishoutemseweg 84, 8790 Waregem
since 19942.067.720.591
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34452A0797/00B000 | Flanders | 3,302 m² | 1 · 610 m² | 11.0 m · 2 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 siteWaregem2.067.720.591
Similar companies · same sector, comparable size
FIEFAL
BE 0667.848.562
Sint-Truiden · Eq €32k
HOT POT
BE 0800.619.390
Nijlen · Eq €32k
DURESTO
BE 0474.024.548
Sint-Jans-Molenbeek · Eq €32k
MOUMNII
BE 1002.946.742
Beveren-Kruibeke-Zwijndrecht · Eq €32k
CHEZ VERONIQUE ET FREDERIC
BE 0474.294.762
Honnelles · Eq €32k
Of 20,495 companies in sector 56111 we hold annual accounts for 11,458. 9,522 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-06-1994
Fiscal year end31-12
Activities, NACEBEL
55301
56101Full-service restaurants
56111Full-service restaurants
74142
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.