De Afspraak
ActiveThe computed 12-month bankruptcy probability of De Afspraak is 3.5% (moderate). The 2025 annual accounts show equity of €115k and a net result of €27k. Equity is growing by ~34.3% per year across the filed fiscal years. Its solvency ranks better than 91% of 13240 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▼-3
Solvency100▲+18
Growth52=
Track record94
Bankruptcy probability, 12 months
3.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 3.35 against 1.37 in 2024; short-term debt: 18.4% and cash: 40.7% of total assets), and 18.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
81.6%
Return on assets
19.2%
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 28-08-2026, 28 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 · 3 filingsDeviation from the deadline
2025
28 d late
2024
60 d late
2023
138 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€115k▲ 30.8%
2024 · €88k
2023: €55k
2024: €88k
2023 → 2025
Total assets
€141k▼ 8.3%
2024 · €154k
2023: €120k
2024: €154k
2023 → 2025
Net result
€27k▼ 18.6%
2024 · €33k
2023: €50k
2024: €33k
2023 → 2025
Working capital
€61k▲ 149%
2024 · €24k
2023: €-12k
2024: €24k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€55k-€88k▲ 60.8%€115k▲ 30.8%
Operating result€65k-€47k▼ 26.9%€38k▼ 19.4%
Net result€50k-€33k▼ 33.1%€27k▼ 18.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 19% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €141k
Fixed assets
€54k▼ 14.5%
Current assets
€87k▼ 3.8%
Equity and liabilities €141k
Equity
€115k▲ 30.8%
Debt
€26k▼ 60.6%
The debt ratio falls from 42.7% to 18.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€48k▼
2024 · €56k
Cash flow
€36k▼
2024 · €42k
Solvency
81.6%▲
2024 · 57.3%
Current ratio
3.35▲
2024 · 1.37
Quick ratio
3.01▲
2024 · 1.32
Debt / equity
0.23▼
2024 · 0.75
ROE
23.5%▼
2024 · 37.8%
ROA
19.2%▼
2024 · 21.7%
Interest coverage
32.36▼
2024 · 48.54
Debt
€26k▼
2024 · €66k
Debt ≤ 1 year
€26k▼
2024 · €66k
Income taxes
€10k▼
2024 · €13k
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€154k€141k▼
Formation expenses20-€0
Fixed assets21/28€64k€54k▼
Intangible fixed assets21€38k€33k▼
Tangible fixed assets22/27€24k€20k▼
Plant, machinery and equipment23€8k€5k▼
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26€14k€13k▼
Financial fixed assets28€2k€2k=
Current assets29/58€90k€87k▼
Stocks and contracts in progress3€3k€9k▲
Stocks30/36€3k€9k▲
Amounts receivable within one year40/41€700€15k▲
Trade receivables40€391€0▼
Other amounts receivable41€309€15k▲
Cash at bank and in hand54/58€82k€58k▼
Deferred charges and accrued income490/1€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€154k€141k▼
Equity10/15€88k€115k▲
Contributions10/11€5k€5k=
Reserves13€30k€50k▲
Distributable reserves133€30k€50k▲
Profit (loss) carried forward14€53k€60k▲
Amounts payable17/49€66k€26k▼
Amounts payable within one year42/48€66k€26k▼
Trade debts44€4k€7k▲
Suppliers440/4€4k€7k▲
Taxes, remuneration and social security45€39k€15k▼
Taxes450/3€39k€15k▼
Other amounts payable47/48€23k€4k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€58k€49k▼
Operating profit (loss)9901€47k€38k▼
Financial income75/76B€23€0▼
Recurring financial income75€23€0▼
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€46k€37k▼
Income taxes67/77€13k€10k▼
Profit (loss) for the period9904€33k€27k▼
Profit (loss) for the period to be appropriated9905€33k€27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€83k€80k▼
Profit (loss) brought forward from the previous period14P€50k€53k▲
Transfer to equity691/2€30k€20k▼
To other reserves6921€30k€20k▼
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €27k ▼18.6%
Net result drops to €27k, the lowest in the series.
31-12
Financial
Liquidity doublescurrent ratio 3.35
Current ratio from 1.37 to 3.35; short-term debt falls from €66k to €26k.
31-12
Financial
Equity above €100kEq €115k ▲30.8%
3 profitable years in a row build equity to €115k.
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
16-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 138 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, Ieper · 1 establishment unit since 2022
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.
Diksmuidestraat 38900 IeperGround area
88 m²
Building footprint
82 m²
Volume, LiDAR
732 m³
Parcel 33011F0235/00D000, Flanders · tallest building 16.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
De Afspraak
since 20222.338.592.301
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33011F0235/00D000 | Flanders | 88 m² | 1 · 82 m² | 16.1 m · 3 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 siteIeper2.338.592.301
Similar companies · same sector, comparable size
Restaurant d'Afspanning
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VILLA FAZZI'S
BE 0885.699.773
Thuin · Eq €115k
HERBERG NOPPE
BE 0737.701.727
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ACL Concept
BE 0845.140.412
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ASM
BE 0598.914.919
Mons · Eq €115k
Of 20,495 companies in sector 56111 we hold annual accounts for 11,458. 9,403 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-11-2022
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
47279Other retail sale of food
47299Retail trade
55900Accommodation
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56210Event catering
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.