DE-LATO

Active

Private limited companyfounded 20241 yr activeEiermarkt 14, 8000 Brugge, BelgiumKBO/BCE: BE 1016.139.138

The computed 12-month bankruptcy probability of DE-LATO is 2.3% (moderate). The 2025 annual accounts show equity of €37k and a net result of €17k. Its solvency ranks better than 63% of 13240 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

70 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes

Profitability95

Solvency71

Growth-

Track record67

Bankruptcy probability, 12 months

2.3% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €2.5k at 30 days acceptable

Liquidity short (current ratio 0.95; short-term debt: 54% and cash: 46.6% of total assets), and 54.3% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

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 →

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

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

45.7%

Return on assets

21%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.

NBB · 1 filing

Deviation from the deadline

2025

1 d early

← before the deadline after the deadline →

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

Financials · fiscal year 2025, micro schema

Equity

€37k

Total assets

€81k

Net result

€17k

Working capital

€-2k

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition

Assets €81k

48.5%

51.5%

Fixed assets €39k

Current assets €42k

Equity and liabilities €81k

45.7%

54.3%

Equity €37k

Debt €44k

Debt finances 54.3% of the balance-sheet total.

Key figures and ratios

2025 value

EBITDA

€36k

Cash flow

€28k

Solvency

45.7%

Current ratio

0.95

Quick ratio

0.87

Debt / equity

1.19

ROE

45.8%

ROA

21.0%

Interest coverage

15.54

Debt

€44k

Debt ≤ 1 year

€44k

Income taxes

€6k

Staff costs

€91k

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€81k

Fixed assets21/28€39k

Intangible fixed assets21€39k

Current assets29/58€42k

Stocks and contracts in progress3€4k

Stocks30/36€4k

Amounts receivable within one year40/41€170

Other amounts receivable41€170

Cash at bank and in hand54/58€38k

Equity and liabilities

Total equity and liabilities10/49€81k

Equity10/15€37k

Contributions10/11€20k

Reserves13€17k

Distributable reserves133€17k

Amounts payable17/49€44k

Amounts payable within one year42/48€44k

Trade debts44€6k

Suppliers440/4€6k

Taxes, remuneration and social security45€31k

Taxes450/3€11k

Remuneration and social security454/9€20k

Other amounts payable47/48€7k

Accrued charges and deferred income492/3€203

Income statement Code2025

Remuneration, social security and pensions62€91k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k

Other operating charges640/8€3k

Gross operating margin9900€130k

Operating profit (loss)9901€25k

Financial charges65/66B€2k

Recurring financial charges65€2k

Profit (loss) for the period before taxes9903€23k

Income taxes67/77€6k

Profit (loss) for the period9904€17k

Profit (loss) for the period to be appropriated9905€17k

Appropriation of the result

Profit (loss) to be appropriated9906€17k

Transfer to equity691/2€17k

To other reserves6921€17k

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2026

30-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

NBB filing

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, Brugge · 1 establishment unit since 2024

establishment The establishment unit on the map

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.

Eiermarkt 148000 Brugge

Ground area

41 m²

Building footprint

41 m²

Volume, LiDAR

500 m³

Parcel 31805E1370/00_000, Flanders · tallest building 15.3 m, ±4 floors. Linked by address, not a title deed.

1 establishment unit

DE-LATO

Eiermarkt 14, 8000 BruggeFull-service restaurants

since 20242.366.136.143

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
31805E1370/00_000 ProtectedTownscape or village viewMarkt en Burg met omgevingSource ↗	Flanders	41 m²	1 · 41 m²	15.3 m · 4 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.

1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).

Recognitions · licences · registrations

Food safety, FASFC

1 site

Brugge2.366.136.143

1 permission

Toelating · Eetgelegenheid · since 01-12-2024

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Of 20,495 companies in sector 56111 we hold annual accounts for 11,458. 9,646 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded12-11-2024

Fiscal year end31-12

Activities, NACEBEL

56101Full-service restaurants

56111Full-service restaurants

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers

Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.