De Tafel
ActiveDe Tafel has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €388k and a net result of €66k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 22% of 7924 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
68
/ 100
Healthy▲ +12 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▼-15
Solvency29▲+9
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.33 against 1.0 in 2024), and 83.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
16.5%
Return on assets
2.8%
Age of the figures
8 mo
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 7924 sector peers (2025).
NBB · sector comparisonPosition among 7924 sector peers
Solvency
better than 22%
← weakest
strongest →
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €388k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-03-2026, 133 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
133 d early
2024
57 d early
2023
96 d early
2022
89 d early
2021
160 d early
2020
60 d early
2019
71 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€388k▲ 20.6%
2024 · €322k
2018: €-113k
2019: €-105k
2020: €-72k
2021: €64k
2022: €41k
2023: €140k
2024: €322k
2018 → 2025
Total assets
€2.34M▲ 3.4%
2024 · €2.27M
2018: €2.08M
2019: €2.48M
2020: €2.44M
2021: €2.52M
2022: €2.38M
2023: €2.35M
2024: €2.27M
2018 → 2025
Net result
€66k▼ 63.6%
2024 · €182k
2018: €-155k
2019: €7k
2020: €33k
2021: €137k
2022: €-24k
2023: €99k
2024: €182k
2018 → 2025
Working capital
€137k
2024 · €-2k
2018: €-1.20M
2019: €-172k
2020: €-26k
2021: €103k
2022: €62k
2023: €37k
2024: €-2k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€64k-€41k▼ 36.6%€140k▲ 243%€322k▲ 130%€388k▲ 20.6%
Operating result€214k-€42k▼ 80.4%€165k▲ 294%€295k▲ 79.1%€191k▼ 35.3%
Net result€137k-€-24k€99k€182k▲ 83.4%€66k▼ 63.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 35% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.34M
Fixed assets
€1.79M▼ 3.7%
Current assets
€551k▲ 36.2%
Equity and liabilities €2.34M
Equity
€388k▲ 20.6%
Debt
€1.96M▲ 0.6%
The debt ratio falls from 85.8% to 83.5%: equity grows faster than debt.
Key figures and ratios
EBITDA
€317k▼
2024 · €432k
Cash flow
€192k▼
2024 · €319k
Solvency
16.5%▲
2024 · 14.2%
Current ratio
1.33▲
2024 · 1.00
Quick ratio
1.22▲
2024 · 0.93
Debt / equity
5.04▼
2024 · 6.05
ROE
17.1%▼
2024 · 56.5%
ROA
2.8%▼
2024 · 8.0%
Interest coverage
3.39▼
2024 · 6.59
Debt
€1.96M▲
2024 · €1.95M
Debt ≤ 1 year
€413k▲
2024 · €406k
Debt > 1 year
€1.54M▲
2024 · €1.54M
Income taxes
€31k▼
2024 · €48k
Staff costs
€765k▲
2024 · €619k
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€2.27M€2.34M▲
Fixed assets21/28€1.86M€1.79M▼
Tangible fixed assets22/27€1.67M€1.60M▼
Land and buildings22€1.53M€1.45M▼
Plant, machinery and equipment23€87k€106k▲
Furniture and vehicles24€51k€41k▼
Leasing and similar rights25€3k€0▼
Financial fixed assets28€193k€193k=
Current assets29/58€404k€551k▲
Stocks and contracts in progress3€26k€45k▲
Stocks30/36€26k€45k▲
Amounts receivable within one year40/41€93k€335k▲
Trade receivables40€89k€204k▲
Other amounts receivable41€3k€130k▲
Cash at bank and in hand54/58€280k€167k▼
Deferred charges and accrued income490/1€6k€4k▼
Equity and liabilities
Total equity and liabilities10/49€2.27M€2.34M▲
Equity10/15€322k€388k▲
Contributions10/11€100k€100k=
Reserves13€221k€287k▲
Distributable reserves133€221k€287k▲
Profit (loss) carried forward14€697€880▲
Amounts payable17/49€1.95M€1.96M▲
Amounts payable after more than one year17€1.54M€1.54M▲
Financial debts170/4€919k€1.10M▲
Other amounts payable178/9€619k€440k▼
Amounts payable within one year42/48€406k€413k▲
Current portion of amounts payable after more than one year42€110k€113k▲
Trade debts44€169k€190k▲
Suppliers440/4€169k€190k▲
Taxes, remuneration and social security45€125k€110k▼
Taxes450/3€87k€64k▼
Remuneration and social security454/9€39k€46k▲
Other amounts payable47/48€2k€0▼
Accrued charges and deferred income492/3€690€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€619k€765k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€137k€126k▼
Other operating charges640/8€92k€39k▼
Gross operating margin9900€1.14M€1.12M▼
Operating profit (loss)9901€295k€191k▼
Financial income75/76B€355€74▼
Recurring financial income75€355€74▼
Financial charges65/66B€66k€93k▲
Recurring financial charges65€66k€93k▲
Profit (loss) for the period before taxes9903€230k€97k▼
Income taxes67/77€48k€31k▼
Profit (loss) for the period9904€182k€66k▼
Profit (loss) for the period to be appropriated9905€182k€66k▼
Appropriation of the result
Profit (loss) to be appropriated9906€183k€67k▼
Profit (loss) brought forward from the previous period14P€910€697▼
Transfer to equity691/2€182k€66k▼
To other reserves6921€182k€66k▼
Social balance
Average headcount (FTE)908715.218.4▲
The notes to these accounts (22 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
20-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €182k ▲83.4%
Operating result €295k, net result €182k, both a record.
31-12
Financial
Equity above €200kEq €322k ▲130%
2 profitable years in a row build equity to €322k.
26-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €99k
Net result €99k after one loss-making year.
31-12
Financial
Equity above €100kEq €140k ▲243%
Equity rises from €41k to €140k.
03-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
21-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
01-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
19-02
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
14-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
08-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Mechelen · 1 establishment unit since 2009
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.
Huidevettersstraat 72800 MechelenGround area
1,279 m²
Building footprint
1,279 m²
Volume, LiDAR
13,433 m³
Parcel 12025C0300/00T000, Flanders · tallest building 17.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
De Tafel
since 20092.176.585.275
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12025C0300/00T000 | Flanders | 1,279 m² | 1 · 1,279 m² | 17.3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 6,209 EUR awarded · 5,456 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,400 EUR | 1,788 EUR |
| 2024 | 1 | 141 EUR | 0 EUR |
| 2022 | 1 | 3,668 EUR | 3,668 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteMechelen2.176.585.275
Similar companies · same sector, comparable size
DIJKMANS
BE 0895.454.510
Heist-op-den-Berg · Eq €389k
LA CANTINIERA
BE 0828.711.778
Fleurus · Eq €385k
12 Wine Street
BE 0800.877.629
Rixensart · Eq €384k
WINE4YOU
BE 0549.972.677
Bonheiden · Eq €380k
MAISON MANIGART
BE 0808.792.829
Arlon · Eq €406k
Of 1,043 companies in sector 46341 we hold annual accounts for 530. 332 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-02-2009
Fiscal year end31-12
Activities, NACEBEL
46341Wholesale of wines and spirits
68203Renting and operating of own or leased non-residential real estate, excluding land
46349Wholesale of beverages, general range
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.