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Generated 04-09-2026
Active BE 0792.234.038Private limited company

David Van Roy

Koning Albertstraat 186 ·1760 Roosdaal, Belgium· 3 yrs active
Sector: Full-service restaurants (56111)
Conclusion Checked

The computed 12-month bankruptcy probability of David Van Roy is 4.5% (elevated). The 2025 annual accounts show equity of €59k and a net result of €-3k. Equity is growing by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 82% of 1106 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.
Key figures
Equity €59k
Net result €-3k
Better than sector 82%
Active 3 yrs
Financial profile 5 of 5 axes measured · computed by Checked
Health70Profitability0Solvency99Growth52Stability94
63 / 100

Strong profile, led by solvency.

All 5 axes are computed from data Checked has read.

Health 70
Profitability 0
Solvency 99
Growth 52
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
4.5% Elevated
0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score FY 2025 · computed
70 / 100 Healthy
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€4k
estimate, not credit advice
Score history
78 2023
93 2024
70 2025
purely financial, excl. current insolvency signals
Score components
Liquidity Current ratio 3.01 (≥ 1.5) +10
Quick ratio Quick ratio 3.01 (≥ 1.0) +5
Leverage Debt/equity 0.62 (< 1.0) +10
Profitability Negatieve ROE -5% -10
Interest coverage Interest coverage 9.2× (≥ 3×) +8
Profit trend Net profit down YoY -3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview3 NBB filings
Annual accounts filed on 30-06-2026 with the NBB · fiscal year 2025 · micro schema
€-20k€0€20k€40k€60k€80kOperating result 2023: €71k€71kNet result 2023: €50k€50kOperating result 2024: €16k€16kNet result 2024: €10k€10kOperating result 2025: €-1k€-1kNet result 2025: €-3k€-3k202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~5.9%/year over 3 fiscal years, indicative, assuming unchanged policy.
€50k€60k€70k2026: €62k (€58k - €67k)2027: €66k (€61k - €71k)2028: €69k (€65k - €74k)2023: €52k2024: €62k2025: €59k202320242025202620272028
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2025 · NACE 56, Food and beverage service activities · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 61.6% 25.6%
better than 82% of 1106 sector peers
Net result €-3k €7k
better than 25% of 1108 sector peers
Equity €59k €22k
better than 73% of 1110 sector peers
Gross operating margin €14k €63k
better than 21% of 1104 sector peers
Total assets €96k €106k
better than 46% of 1106 sector peers
EBITDA
€14k
-28.1% 23-25
Net profit
€-3k
- 23-25
Cash flow
€12k
-11.1% 23-25
Total assets
€96k
-19.3% 23-25
Equity
€59k
-5.0% 23-25
Working capital
€27k
+17.3% 23-25
Income taxes
€544
-86.4% 23-25
Debt
€37k
-35.0% 23-25
Debt ≤ 1y
€13k
-47.6% 23-25
Debt > 1y
€24k
-24.8% 23-25
Current ratio
3.01
+58.6% 23-25
Quick ratio
3.01
+58.6% 23-25
Solvency
61.6%
+17.7% 23-25
Debt / equity
0.62
-31.5% 23-25
ROE
-5.3%
- 23-25
ROA
-3.2%
- 23-25
Interest coverage
9.18
-7.1% 23-25
Figures by fiscal year and ratios
Fiscal year202520242023
Depositmicro schemamicro schemamicro schema
Revenue---
EBITDA€14k€19k-
Net profit€-3k€10k€50k
Cash flow€12k€13k-
Staff costs---
Income taxes€544€4k€19k
Dividends---
Total assets€96k€119k€106k
Equity€59k€62k€52k
Debt€37k€56k€54k
of which ≤ 1y€13k€25k€54k
of which > 1y€24k€31k-
Working capital€27k€23k€52k
Employees (FTE)---
Ratios (computed)
202520242023
Current ratio3.011.901.97
Quick ratio3.011.901.97
Working capital ratio27.7%19.1%49.2%
Solvency61.6%52.4%49.2%
Debt / equity0.620.911.03
Long-term debt ratio0.400.50-
Interest coverage9.189.89-
Gross margin---
Net margin---
ROA-3.2%8.5%46.9%
ROE-5.3%16.2%95.4%
EBITDA margin---
Days sales outstanding---
Days payable outstanding---
Inventory turnover---
Days inventory (DSI)---
Balance-sheet composition 2025
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code202520242023
Balance sheet, Assets
TOTAL ASSETS 20/58€96k€119k€106k
Fixed assets 21/28€56k€71k-
Tangible fixed assets 22/27€56k€71k-
Current assets 29/58€40k€48k€106k
Amounts receivable within one year 40/41€6k€5k€366
Cash & bank 54/58€33k€42k€105k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€96k€119k€106k
Equity 10/15€59k€62k€52k
Contributions / capital 10/11€2k€2k€2k
Reserves 13€60k€60k€50k
Accumulated profits (losses) 14€-3k--
Amounts payable 17/49€37k€56k€54k
Amounts payable after one year 17€24k€31k-
Amounts payable within one year 42/48€13k€25k€54k
Trade debts payable within one year 44€899€395€2k
Income statement
Gross operating margin 9900€14k€20k€72k
Operating result 9901€-1k€16k€71k
Financial income 75-€0€189
Financial charges 65€1k€2k€3k
Result before taxes 9903€-3k€14k€68k
Income taxes 67/77€544€4k€19k
Net result for the period 9904€-3k€10k€50k
Result to be appropriated 9905€-3k€10k€50k
Directors & mandates 1 directors
Former directors (1)
  • Maaike Seghers
    Director
    State Gazette act 23066828 (22-05-2023)
    Former
    - → 10-10-2022
Legal Structure
NACE primary Full-service restaurants(56111)
Legal form Private limited company(610)
Incorporation10-10-2022
StatusActive
Postal code1760
Establishment units 1 location
David Van Roy
Koning Albertstraat 186, 1760 RoosdaalFull-service restaurants
since 20222.336.509.472
Real-estate footprint Source: CBE × cadastre
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23723A0414/00V000 Flanders 224 m² 1 · 184 m² 9.1 m · 1 fl.
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.
Updates 6 events
Next filing, fiscal year 2026, expected by 31-07-2027
2026
30-06
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial Weakest financial yearnet €-3k ▼131%
Net result drops to €-3k, the lowest in the series.
09-12
State Gazette act Minor change
v3.2
06-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
22-05
State Gazette act Director changes
v3.2
2022
12-10
State Gazette act Incorporation
oprichting
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage 0 of 3 acts read

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.

Belgisch Staatsblad, acts 3 acts
All acts · 3 updated 8 months ago
2025
09-12-2025 Publication in the Belgian Official Gazette, Minor change Minor change
Summary: v3.2
Technical details 
{
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "detected_kind": "other",
  "effective_date": null,
  "mandate_renewal": null,
  "subject_company": {
    "kbo": "0792.234.038",
    "name_full": "DAVID VAN ROY",
    "legal_form": "BV"
  },
  "liquidation_closure": null,
  "officer_designation": null,
  "special_procuration": null,
  "single_shareholder_declaration": null
}
2023
22-05-2023 Maaike Seghers resigns as director Director changes
  • Maaike Seghers, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Maaike Seghers",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2022-10-10",
      "evidence_quote": "Wordt ontslagen als bestuurder met ingang van 10 oktober 2022: Mevrouw Maaike Seghers, NN 79.06.07-110.23, wonende te Koning Albertstraat 186, 1760 Roosdaal."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0792.234.038",
    "name_full": "DAVID VAN ROY",
    "legal_form": "BV"
  }
}
2022
12-10-2022 Incorporation of a new BV Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "1760 Roosdaal, Koning Albertstraat 186",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1976-02-09",
        "name": "David Joost VAN ROY",
        "niss": null,
        "address": "1760 Roosdaal, Koning Albertstraat 186"
      },
      "share_class": "naam",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 1200.0,
      "holder_person_name": "David Joost VAN ROY",
      "is_subscriber_only": false,
      "n_shares_subscribed": 60,
      "amount_subscribed_eur": 1200.0,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1979-06-07",
        "name": "Maaike Louise Arsena SEGHERS",
        "niss": null,
        "address": "1760 Roosdaal, Koning Albertstraat 186"
      },
      "share_class": "naam",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 1200.0,
      "holder_person_name": "Maaike Louise Arsena SEGHERS",
      "is_subscriber_only": false,
      "n_shares_subscribed": 60,
      "amount_subscribed_eur": 1200.0,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 2400.0,
  "subject_company": {
    "kbo": "0792.234.038",
    "name_full": "David Van Roy",
    "legal_form": "BV"
  },
  "initial_directors": [],
  "incorporation_date": "2022-10-10",
  "post_incorporation_mandates": []
}
Credit advice verdict per customer and amount
Company registry (CBE) Crossroads Bank
Activities
Full-service restaurants56101Full-service restaurants56111
Names & trade names
Legal nameNL David Van Roy
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative