Desart
ActiveDesart has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €493k and a net result of €224k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 60% of 1522 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
84
/ 100
Excellent▼ -2 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency67▲+13
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity tight (current ratio 1.08 against 1.14 in 2024), and 57.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 10
Relative position
BE, all sectors
reference
Sector 10
higher
← 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
42.6%
Return on assets
19.3%
Age of the figures
15 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €493k
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 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 · 10 filingsDeviation from the deadline
2025
2 d late
2024
28 d late
2023
28 d late
2022
4 d early
2021
3 d early
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€493k▲ 82.9%
2024 · €270k
2019: €66k
2020: €47k
2021: €72k
2022: €91k
2023: €68k
2024: €270k
2019 → 2025
Total assets
€1.16M▲ 38.2%
2024 · €837k
2019: €138k
2020: €555k
2021: €637k
2022: €627k
2023: €959k
2024: €837k
2019 → 2025
Net result
€224k▲ 10.6%
2024 · €202k
2019: €17k
2020: €-19k
2021: €25k
2022: €19k
2023: €-24k
2024: €202k
2019 → 2025
Working capital
€32k▼ 14.7%
2024 · €38k
2019: €32k
2020: €-50k
2021: €-54k
2022: €-15k
2023: €-398k
2024: €38k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€72k-€91k▲ 25.8%€68k▼ 25.9%€270k▲ 299%€493k▲ 82.9%
Operating result€34k-€25k▼ 26.7%€-17k€299k€326k▲ 9.0%
Net result€25k-€19k▼ 26.4%€-24k€202k€224k▲ 10.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 9% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.16M
Fixed assets
€732k▲ 35.9%
Current assets
€425k▲ 42.4%
Equity and liabilities €1.16M
Equity
€493k▲ 82.9%
Debt
€664k▲ 17.0%
The debt ratio falls from 67.8% to 57.4%: equity grows faster than debt.
Key figures and ratios
EBITDA
€382k▲
2024 · €350k
Cash flow
€280k▲
2024 · €253k
Solvency
42.6%▲
2024 · 32.2%
Current ratio
1.08▼
2024 · 1.14
Quick ratio
0.90▼
2024 · 1.07
Debt / equity
1.35▼
2024 · 2.10
ROE
45.3%▼
2024 · 74.9%
ROA
19.3%▼
2024 · 24.1%
Interest coverage
41.42▲
2024 · 9.09
Debt
€664k▲
2024 · €568k
Debt ≤ 1 year
€393k▲
2024 · €261k
Debt > 1 year
€256k▼
2024 · €294k
Income taxes
€94k▲
2024 · €62k
Staff costs
€302k▲
2024 · €259k
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€837k€1.16M▲
Fixed assets21/28€539k€732k▲
Tangible fixed assets22/27€539k€732k▲
Land and buildings22€473k€448k▼
Plant, machinery and equipment23€57k€66k▲
Other tangible fixed assets26€8k€8k=
Assets under construction and advance payments27-€210k
Current assets29/58€299k€425k▲
Stocks and contracts in progress3€20k€72k▲
Stocks30/36€20k€72k▲
Amounts receivable within one year40/41€28k€25k▼
Trade receivables40€20k€25k▲
Other amounts receivable41€8k-
Cash at bank and in hand54/58€250k€329k▲
Equity and liabilities
Total equity and liabilities10/49€837k€1.16M▲
Equity10/15€270k€493k▲
Contributions10/11€10k€10k=
Outside capital11€10k€10k=
Other1109/19€10k€10k=
Reserves13€260k€483k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€84k€211k▲
Distributable reserves133€174k€271k▲
Amounts payable17/49€568k€664k▲
Amounts payable after more than one year17€294k€256k▼
Financial debts170/4€294k€256k▼
Amounts payable within one year42/48€261k€393k▲
Current portion of amounts payable after more than one year42€44k€38k▼
Trade debts44€92k€189k▲
Suppliers440/4€92k€189k▲
Taxes, remuneration and social security45€28k€62k▲
Taxes450/3€28k€45k▲
Remuneration and social security454/9-€17k
Other amounts payable47/48€97k€104k▲
Accrued charges and deferred income492/3€12k€15k▲
Income statement
Code20242025
Remuneration, social security and pensions62€259k€302k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€51k€56k▲
Other operating charges640/8€2k€4k▲
Gross operating margin9900€611k€689k▲
Operating profit (loss)9901€299k€326k▲
Financial income75/76B€4k€788▼
Recurring financial income75€4k€788▼
Financial charges65/66B€38k€9k▼
Recurring financial charges65€38k€9k▼
Profit (loss) for the period before taxes9903€264k€318k▲
Income taxes67/77€62k€94k▲
Profit (loss) for the period9904€202k€224k▲
Transfer to tax-exempt reserves689€84k€126k▲
Profit (loss) for the period to be appropriated9905€118k€97k▼
Appropriation of the result
Profit (loss) to be appropriated9906€94k€97k▲
Profit (loss) brought forward from the previous period14P€-24k-
Transfer to equity691/2€94k€97k▲
To other reserves6921€94k€97k▲
The notes to these accounts (5 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
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 2 days late
2025
30-06
Financial
Highest result since 2019net €224k ▲10.6%
Operating result €326k, net result €224k, both a record.
28-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
30-06
Financial
Back to profitnet €202k
Net result €202k after one loss-making year.
30-06
Financial
Liquidity times 6current ratio 1.14
Current ratio from 0.20 to 1.14; short-term debt falls from €498k to €261k.
30-06
Financial
Equity above €200kEq €270k ▲299%
Equity rises from €68k to €270k.
28-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
30-06
Financial
Weakest financial yearnet €-24k ▼226%
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 25 days late
2018
28-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2016
12-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 12 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Laakdal · 1 establishment unit since 2005
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.
Steenbergen 512430 LaakdalGround area
1,945 m²
Building footprint
147 m²
Parcel 13045A0474/00M002, Flanders. Linked by address, not a title deed.
1 establishment unit
Restaurant Joels
since 20052.150.142.283
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13045A0474/00M002 | Flanders | 1,944 m² | 1 · 147 m² | - |
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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 750 EUR awarded · 750 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 750 EUR | 750 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteLaakdal2.150.142.283
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Of 607 companies in sector 10520 we hold annual accounts for 234. 135 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-11-2005
Fiscal year end30-06
Abbreviation NL
Des-Art
Activities, NACEBEL
10520Manufacture of food products
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
6 entriesWebsite:www.restaurant-joels.be
E-mail:info@restaurant-joels.be
Phone:013/294507
Website:www.cremeclasse.be
E-mail:info@cremeclasse.be
Phone:0476/855.586