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El Toro

Active
Private limited companyfounded 20196 yrs activeLierseweg(HRT) 70, 2200 Herentals, BelgiumKBO/BCE: BE 0739.822.265
Summary

The computed 12-month bankruptcy probability of El Toro is 3.1% (moderate). The 2025 annual accounts show equity of €64,100 and a net result of €22,797. Its solvency ranks better than 61% of 13683 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability86
Solvency68
Growth-
Track record85
Bankruptcy probability, 12 months
3.1% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days acceptable
Liquidity ample (current ratio 1.92; short-term debt: 30.5% and cash: 23.1% of total assets), but 56.6% 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 →
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 date
Age against the risk zone
highest failure risk from 2 to 8 years 6 years 0 10 y
lowers risk · 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
43.4%
Return on assets
15.4%
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 24-09-2026, 55 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 · 1 filing
Deviation from the deadline
2025
55 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · 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

History

On 19 December 2019, El Toro was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€64,100
Total assets
€147,768
Net result
€22,797
Working capital
€41,349

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

Balance-sheet composition
Assets €147,768
Fixed assets €61,289
Current assets €86,479
Equity and liabilities €147,768
Equity €64,100
Debt €83,668
Debt finances 56.6% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€45,469
Cash flow
€31,922
Current ratio
1.92
Quick ratio
1.84
Debt to equity
1.31
ROE
35.6%
ROA
15.4%
Interest coverage
5.72
Debt ≤ 1 year
€45,130
Debt > 1 year
€38,538
Income taxes
€9,237
Staff costs
€94,753

Peer companies

Historical observation

Of the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.

  • Micro
  • 5 to 10 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.6% went bankrupt
3.4% stopped otherwise
95% 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: 3.1% 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%.

The companies in ten equal groups, from lowest to highest expected share.
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 26,975 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
Filed annual accounts As filed with the NBB · 2025 · 48 lines
Balance sheet Code2025
Assets
Total assets20/58€147,768
Fixed assets21/28€61,289
Tangible fixed assets22/27€61,289
Plant, machinery and equipment23€31,045
Furniture and vehicles24€202
Leasing and similar rights25€30,043
Current assets29/58€86,479
Stocks and contracts in progress3€3,646
Stocks30/36€3,646
Amounts receivable within one year40/41€48,092
Other amounts receivable41€48,092
Cash at bank and in hand54/58€34,153
Deferred charges and accrued income490/1€587
Equity and liabilities
Total equity and liabilities10/49€147,768
Equity10/15€64,100
Contributions10/11€1,000
Reserves13€40,750
Distributable reserves133€40,750
Profit (loss) carried forward14€22,350
Amounts payable17/49€83,668
Amounts payable after more than one year17€38,538
Financial debts170/4€38,538
Amounts payable within one year42/48€45,130
Current portion of amounts payable after more than one year42€10,440
Financial debts43€6,868
Other loans439€6,868
Trade debts44€6,223
Suppliers440/4€6,223
Taxes, remuneration and social security45€21,598
Taxes450/3€16,173
Remuneration and social security454/9€5,425
Income statement Code2025
Remuneration, social security and pensions62€94,753
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9,124
Other operating charges640/8€2,010
Gross operating margin9900€142,232
Operating profit (loss)9901€36,345
Financial income75/76B€3,639
Recurring financial income75€3,639
Financial charges65/66B€7,949
Recurring financial charges65€7,949
Profit (loss) for the period before taxes9903€32,035
Income taxes67/77€9,237
Profit (loss) for the period9904€22,797
Profit (loss) for the period to be appropriated9905€22,797
Appropriation of the result
Profit (loss) to be appropriated9906€45,147
Profit (loss) brought forward from the previous period14P€22,350
Transfer to equity691/2€22,797
To other reserves6921€22,797

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Remuneration, social security and pensions62€94,753
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9,124
Other operating charges640/8€2,010
Gross operating margin9900€142,232
Operating profit (loss)9901€36,345
Financial income75/76B€3,639
Recurring financial income75€3,639
Financial charges65/66B€7,949
Recurring financial charges65€7,949
Profit (loss) for the period before taxes9903€32,035
Income taxes67/77€9,237
Profit (loss) for the period9904€22,797
Profit (loss) for the period to be appropriated9905€22,797
Line2025
Assets
Total assets20/58€147,768
Fixed assets21/28€61,289
Tangible fixed assets22/27€61,289
Plant, machinery and equipment23€31,045
Furniture and vehicles24€202
Leasing and similar rights25€30,043
Current assets29/58€86,479
Stocks and contracts in progress3€3,646
Stocks30/36€3,646
Amounts receivable within one year40/41€48,092
Other amounts receivable41€48,092
Cash at bank and in hand54/58€34,153
Deferred charges and accrued income490/1€587
Equity and liabilities
Total equity and liabilities10/49€147,768
Equity10/15€64,100
Contributions10/11€1,000
Reserves13€40,750
Distributable reserves133€40,750
Profit (loss) carried forward14€22,350
Amounts payable17/49€83,668
Amounts payable after more than one year17€38,538
Financial debts170/4€38,538
Amounts payable within one year42/48€45,130
Current portion of amounts payable after more than one year42€10,440
Financial debts43€6,868
Other loans439€6,868
Trade debts44€6,223
Suppliers440/4€6,223
Taxes, remuneration and social security45€21,598
Taxes450/3€16,173
Remuneration and social security454/9€5,425
Line2025
Profit (loss) for the period9904€22,797
+ Depreciation and write-downs630€9,124
Operating cash flow (approximation)€31,922

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
24-09
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 55 days late
NBB filing
0 of 4 acts read
About the unread acts

We know of 4 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
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, Herentals · 1 establishment unit since 2019
seat establishment The establishment unit on the map
Ground area
169 m²
Building footprint
128 m²
Volume, LiDAR
901 m³
Parcel 13011E0380/02G000, Flanders · tallest building 12.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
El Toro
Lierseweg(HRT) 70, 2200 HerentalsFood and beverage service activities
since 20192.297.653.747
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
13011E0380/02G000 Flanders 169 m² 1 · 128 m² 12.0 m · 2 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 site
Herentals2.297.653.747
1 permission
Toelating · Eetgelegenheid · since 16-01-2020

Similar companies · same sector, comparable size

Of 20,500 companies in sector 56111 we hold annual accounts for 11,464. 9,862 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
Founded19-12-2019
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
E-invoicing
Reachable via Peppol
Peppol ID 0208:0739822265
Also 9925:BE0739822265
Registered 20-08-2025

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.