DE WOLK
ActiveSummary
DE WOLK has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €253,403 and a net result of €38,237. Equity is growing by ~13.2% per year across the filed fiscal years. Its solvency ranks better than 89% of 13683 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability83▼-8
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21,000 at 30 days acceptable
Liquidity ample (current ratio 3.9 against 6.34 in 2024; short-term debt: 17.6% and cash: 60.2% of total assets), and 22.3% of the assets are financed with debt.
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Signals
Four 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
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← 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
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
77.7%
Return on assets
11.7%
Age of the figures
9 mo
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
2 d early
2023
3 d early
2022
7 d early
2021
32 d early
2020
4 d early
2019
30 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 3 days before the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 29 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#4 oldest company in Bornem, Accommodation and food service sector#7 company by equity in Bornem, Accommodation and food service sector
Equity
€253,403▲ 9.6%
2024 · €231,166
Total assets
€326,199▲ 23.9%
2024 · €263,328
Net result
€38,237▼ 17.0%
2024 · €46,051
Working capital
€166,850▲ 0.3%
2024 · €166,400
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€32,596▲ 125%€80,811▲ 148%€84,585▲ 4.7%€71,710▼ 15.2%€59,328▼ 17.3%
Net result€26,220within the sector's middle half▲ 118%€54,179above the sector's middle half▲ 107%€55,420above the sector's middle half▲ 2.3%€46,051above the sector's middle half▼ 16.9%€38,237above the sector's middle half▼ 17.0%
Equity€117,296above the sector's middle half▼ 9.5%€153,475above the sector's middle half▲ 30.8%€189,895above the sector's middle half▲ 23.7%€231,166above the sector's middle half▲ 21.7%€253,403above the sector's middle half▲ 9.6%
Total assets€153,848within the sector's middle half▲ 15.7%€197,911within the sector's middle half▲ 28.6%€234,599within the sector's middle half▲ 18.5%€263,328above the sector's middle half▲ 12.2%€326,199above the sector's middle half▲ 23.9%
Debt€36,552▲ 978%€44,437▲ 21.6%€44,705▲ 0.6%€32,162▼ 28.1%€72,797▲ 126%
Working capital€71,793above the sector's middle half▼ 15.1%€95,832above the sector's middle half▲ 33.5%€122,356above the sector's middle half▲ 27.7%€166,400above the sector's middle half▲ 36.0%€166,850above the sector's middle half▲ 0.3%
Solvency76.2%above the sector's middle half▼ 21.2pp77.5%above the sector's middle half▲ 1.3pp80.9%above the sector's middle half▲ 3.4pp87.8%above the sector's middle half▲ 6.8pp77.7%above the sector's middle half▼ 10.1pp
Current ratio3.40above the sector's middle half▼ 22.543.16above the sector's middle half▼ 0.243.74above the sector's middle half▲ 0.586.34above the sector's middle half▲ 2.603.90above the sector's middle half▼ 2.43
Return on assets (ROA)17.0%within the sector's middle half▲ 8.0pp27.4%above the sector's middle half▲ 10.3pp23.6%above the sector's middle half▼ 3.8pp17.5%above the sector's middle half▼ 6.1pp11.7%within the sector's middle half▼ 5.8pp
Staff (FTE)1▲ 11.1%1
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
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 17% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €326,199
Fixed assets
€101,848 ▲ 54.9%
Current assets
€224,352 ▲ 13.5%
Equity and liabilities €326,199
Equity
€253,403 ▲ 9.6%
Debt
€72,797 ▲ 126%
Debt's share of the balance-sheet total rises from 12.2% to 22.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€82,431▼
2024 · €95,070
Cash flow
€61,340▼
2024 · €69,410
Quick ratio
3.86▼
2024 · 6.28
Debt to equity
0.29▲
2024 · 0.14
ROE
15.1%▼
2024 · 19.9%
Interest coverage
23.49▼
2024 · 32.53
Debt ≤ 1 year
€57,502▲
2024 · €31,189
Debt > 1 year
€15,266
Income taxes
€19,033▼
2024 · €23,092
Staff costs
€42,611▲
2024 · €29,555
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,371 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.5%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 0.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,371 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €264 | - |
| Remuneration, social security and pensions62 | €11,860 | -€77 | €535 | €29,555 | €42,611 | ▲ 44.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,454 | €14,149 | €18,713 | €23,359 | €23,103 | ▼ 1.1% |
| Other operating charges640/8 | €1,527 | €3,551 | €2,720 | €3,334 | €6,075 | ▲ 82.2% |
| Non-recurring operating charges66A | - | - | - | - | €184 | - |
| Gross operating margin9900 | €56,438 | €98,434 | €106,552 | €127,960 | €131,301 | ▲ 2.6% |
| Operating profit (loss)9901 | €32,596 | €80,811 | €84,585 | €71,710 | €59,328 | ▼ 17.3% |
| Financial income75/76B | - | - | €320 | €355 | €1,452 | ▲ 309% |
| Recurring financial income75 | - | - | €320 | €355 | €1,452 | ▲ 309% |
| Financial charges65/66B | €113 | €553 | €1,865 | €2,922 | €3,510 | ▲ 20.1% |
| Recurring financial charges65 | €113 | €553 | €1,865 | €2,922 | €3,510 | ▲ 20.1% |
| Profit (loss) for the period before taxes9903 | €32,483 | €80,258 | €83,040 | €69,143 | €57,270 | ▼ 17.2% |
| Income taxes67/77 | €6,263 | €26,079 | €27,619 | €23,092 | €19,033 | ▼ 17.6% |
| Profit (loss) for the period9904 | €26,220 | €54,179 | €55,420 | €46,051 | €38,237 | ▼ 17.0% |
| Profit (loss) for the period to be appropriated9905 | €26,220 | €54,179 | €55,420 | €46,051 | €38,237 | ▼ 17.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €153,848 | €197,911 | €234,599 | €263,328 | €326,199 | ▲ 23.9% |
| Fixed assets21/28 | €52,149 | €57,643 | €67,539 | €65,739 | €101,848 | ▲ 54.9% |
| Tangible fixed assets22/27 | €49,579 | €55,072 | €64,968 | €63,168 | €99,278 | ▲ 57.2% |
| Plant, machinery and equipment23 | €1,189 | €5,506 | €11,603 | €8,992 | €4,077 | ▼ 54.7% |
| Furniture and vehicles24 | €11,194 | €9,140 | €17,372 | €26,809 | €39,234 | ▲ 46.3% |
| Other tangible fixed assets26 | €37,196 | €40,426 | €35,994 | €27,367 | €55,967 | ▲ 105% |
| Financial fixed assets28 | €2,570 | €2,570 | €2,570 | €2,570 | €2,570 | = |
| Current assets29/58 | €101,699 | €140,269 | €167,061 | €197,589 | €224,352 | ▲ 13.5% |
| Stocks and contracts in progress3 | €1,450 | €1,185 | €1,560 | €1,840 | €2,250 | ▲ 22.3% |
| Stocks30/36 | €1,450 | €1,185 | €1,560 | €1,840 | €2,250 | ▲ 22.3% |
| Amounts receivable within one year40/41 | €6,980 | €1,225 | €249 | €14,978 | €24,941 | ▲ 66.5% |
| Trade receivables40 | €108 | €1,225 | €249 | €7,974 | €1,563 | ▼ 80.4% |
| Other amounts receivable41 | €6,872 | €0 | - | €7,004 | €23,378 | ▲ 234% |
| Cash at bank and in hand54/58 | €91,040 | €136,903 | €160,654 | €178,947 | €196,451 | ▲ 9.8% |
| Deferred charges and accrued income490/1 | €2,228 | €955 | €4,598 | €1,824 | €709 | ▼ 61.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €153,848 | €197,911 | €234,599 | €263,328 | €326,199 | ▲ 23.9% |
| Equity10/15 | €117,296 | €153,475 | €189,895 | €231,166 | €253,403 | ▲ 9.6% |
| Contributions10/11 | €18,740 | €18,740 | €18,740 | €18,740 | €18,740 | = |
| Reserves13 | €98,556 | €134,735 | €171,155 | €212,426 | €234,663 | ▲ 10.5% |
| Non-distributable reserves130/1 | €1,874 | €1,874 | €1,874 | €0 | - | - |
| Reserves not available under the articles1311 | €1,874 | €1,874 | €1,874 | €0 | - | - |
| Distributable reserves133 | €96,682 | €132,861 | €169,281 | €212,426 | €234,663 | ▲ 10.5% |
| Profit (loss) carried forward14 | - | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €36,552 | €44,437 | €44,705 | €32,162 | €72,797 | ▲ 126% |
| Amounts payable after more than one year17 | - | - | - | - | €15,266 | - |
| Financial debts170/4 | - | - | - | - | €15,266 | - |
| Amounts payable within one year42/48 | €29,905 | €44,437 | €44,705 | €31,189 | €57,502 | ▲ 84.4% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €4,734 | - |
| Trade debts44 | €1,002 | €6,375 | €3,833 | €8,893 | €12,219 | ▲ 37.4% |
| Suppliers440/4 | €1,002 | €6,375 | €3,833 | €8,893 | €12,219 | ▲ 37.4% |
| Taxes, remuneration and social security45 | €14,886 | €18,760 | €21,760 | €17,813 | €20,018 | ▲ 12.4% |
| Taxes450/3 | €13,940 | €18,760 | €21,760 | €14,545 | €9,254 | ▼ 36.4% |
| Remuneration and social security454/9 | €946 | €0 | - | €3,269 | €10,764 | ▲ 229% |
| Other amounts payable47/48 | €14,017 | €19,302 | €19,112 | €4,483 | €20,530 | ▲ 358% |
| Accrued charges and deferred income492/3 | €6,646 | €0 | - | €973 | €29 | ▼ 97.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €26,220 | €54,179 | €55,420 | €46,051 | €38,237 | ▼ 17.0% |
| + Depreciation and write-downs630 | €10,454 | €14,149 | €18,713 | €23,359 | €23,103 | ▼ 1.1% |
| Operating cash flow (approximation) | €36,674 | €68,328 | €74,133 | €69,410 | €61,340 | ▼ 11.6% |
| Investment in fixed assets (approximation) | - | -€19,643 | -€28,609 | -€21,560 | -€59,212 | ▼ 175% |
| Change in cash | - | €45,863 | €23,750 | €18,293 | €17,504 | ▼ 4.3% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200,000Eq €231,166 ▲21.7%
7 profitable years in a row build equity to €231,166.
28-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €55,420 ▲2.3%
Operating result €84,585, net result €55,420, both a record.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150,000Eq €153,475 ▲30.8%
5 profitable years in a row build equity to €153,475.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity times 5current ratio 25.94
Current ratio from 5.69 to 25.94; short-term debt falls from €14,437 to €3,392.
30-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 30 days late
2019
31-12
Financial
Weakest financial yearnet €1,686 ▼91.1%
Net result drops to €1,686, the lowest in the series; recovery starts the following year.
Show earlier events
31-12
Financial
Liquidity doublescurrent ratio 5.69
Current ratio from 2.66 to 5.69; short-term debt falls from €33,231 to €14,437.
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 2 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
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.
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Directors · office · real estate
Directors
3 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, Bornem · 1 establishment unit since 1993
Ground area
418 m²
Building footprint
174 m²
Volume, LiDAR
1,532 m³
Parcel 12007B0343/00H000, Flanders · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BELLE-VUE
since 19932.063.977.381
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12007B0343/00H000 | Flanders | 418 m² | 1 · 174 m² | 12.9 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 siteBornem2.063.977.381
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Of 13,991 companies in sector 56301 we hold annual accounts for 4,896. 2,826 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded05-10-1993
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
E-invoicing
Reachable via Peppol
Peppol ID
0208:0451032776
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.