ELISA

Active

Private limited companyfounded 200521 yrs activeKerkstraat 51, 3920 Lommel, BelgiumKBO/BCE: BE 0873.213.695

Summary

ELISA has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €180,492 and a net result of €28,361. Equity is growing by ~37.6% per year across the filed fiscal years. Its solvency ranks better than 92% of 14676 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch Report Compare

ELISAActiveChecked score 98/100

Risk analysis Report Compare

Activity

Full-service restaurants

NACE 56111NACE 55301Full-service restaurants NACE 56101

1 site

Size

€217,963total assets 2025

Equity: €180,492
Profit: €28,361

Turnover not published (abridged schema)

Financial health

98 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.1%

Structure

Accounts 53 d early0 of 11 deeds read

Why 98- Sector Food and beverage service activities (NACE 56)+ Liquidity: current ratio 4.29, cash €143,651+ Equity €180,492 (82.8% of total assets)+ Founded in 2005Show the evidence

Checked score

Score 2025

98 / 100

Excellent

Probability in this band: under 0.55%

Better than 81% of its sector peers (NACE 56, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 100=

equity 82.8% of total assets

Liquidity 96+3

short-term debt 16.5% · cash 65.9%

Profitability 85-6

return on assets 13.0%

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.9% (23,449 companies)

Last 13 months 10-2025: 0.1% 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%▼ -1.0% vs 12-2025 02-2026: 0.1%● 0.0% vs 01-2026 03-2026: 0.1%● 0.0% vs 02-2026 04-2026: 0.1%▲ +3.2% vs 03-2026highest value 05-2026: 0.1%▼ -3.1% vs 04-2026 06-2026: 0.1%▼ -1.1% vs 05-2026 07-2026: 0.1%▼ -27.7% vs 06-2026lowest value 08-2026: 0.1%● 0.0% vs 07-2026lowest value 09-2026: 0.1%● 0.0% vs 08-2026lowest value 10-2026: 0.1%● 0.0% vs 09-2026lowest value

Sector Food and beverage service activities (NACE 56) raises the probability
Liquidity: current ratio 4.29, cash €143,651 lowers the probability
Equity €180,492 (82.8% of total assets) lowers the probability
Founded in 2005 lowers the probability for this profile

Credit up to €17,000 at 30 days acceptable

Liquidity ample (current ratio 4.29 against 2.68 in 2024; short-term debt: 16.5% and cash: 65.9% of total assets), and 17.2% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 56, micro). Better than this share of them on solvency 94%, liquidity 95%, profitability 72%, growth against the median 64%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

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

−lowers risk+raises risk○neutral

Sector Food and beverage service activities (NACE 56)

In the bankruptcy model this factor raises the probability.

KBO

Liquidity: current ratio 4.29, cash €143,651

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Equity €180,492 (82.8% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Founded in 2005

In the bankruptcy model this factor lowers the probability for this profile.

KBO

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-06-2026, 53 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

53 d early

2024

51 d early

2023

34 d early

2022

56 d early

2021

45 d early

2020

57 d early

2019

56 d early

← 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 50 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)

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 10 June (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 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

08-06-26 Annual accounts filedfiscal year 2025 · micro…
10-06-25 Annual accounts filedfiscal year 2024 · micro…
31-12-24 Equity above €150,000Eq €152,131 ▲30.9%

Key points

Positive: Among the best 9% on solvencysector median 30.2% · 14,676 companies 82.8% View
Positive: Always filed on timeaccounts within the deadline every year 8 years View
Positive: 8 profitable years in a rowprofit 2025: €28,361 8 years View