Equitino

Active

Private limited companyfounded 20233 yrs activeSint-Lenardsstraat 45, 8380 Brugge, BelgiumKBO/BCE: BE 0800.891.287

The computed 12-month bankruptcy probability of Equitino is 3.6% (moderate). The 2025 annual accounts show equity of €124k and a net result of €34k. Equity is growing by ~37.4% per year across the filed fiscal years. Its solvency ranks better than 62% of 31510 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

100 / 100

Excellent▲ +7 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency100▲+5

Growth52=

Stability94

Bankruptcy probability, 12 months

3.6% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €12k at 30 days acceptable

Liquidity ample (current ratio 2.39 against 1.9 in 2024), and 32.2% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

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

−lowers risk+raises risk○neutral

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

Sector 56

higher

← fewer bankruptcies more bankruptcies →

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

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

67.8%

Return on assets

18.8%

Age of the figures

8 mo

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 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 · 3 filings

Deviation from the deadline

2025

4 d late

2024

42 d early

2023

43 d early

← before the deadline after the deadline →

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 months

Position in the running window

13-09-2026 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

Financials · fiscal year 2025, micro schema

Equity

€124k▲ 38.2%

2024 · €90k

2023: €57k 2024: €90k

2023 → 2025

Total assets

€183k▲ 13.9%

2024 · €160k

2023: €79k 2024: €160k

2023 → 2025

Net result

€34k▲ 4.6%

2024 · €33k

2023: €54k 2024: €33k

2023 → 2025

Working capital

€75k▲ 49.0%

2024 · €50k

2023: €45k 2024: €50k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€57k-€90k▲ 57.6%€124k▲ 38.2%

Operating result€74k-€43k▼ 41.1%€48k▲ 9.7%

Net result€54k-€33k▼ 39.7%€34k▲ 4.6%

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

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 10% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €183k

29.3%

70.7%

Fixed assets €54k▼ 0.8%

Current assets €129k▲ 21.4%

Equity and liabilities €183k

67.8%

32.2%

Equity €124k▲ 38.2%

Debt €59k▼ 16.9%

The debt ratio falls from 44.1% to 32.2%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€64k▲

2024 · €49k

Cash flow

€50k▲

2024 · €39k

Solvency

67.8%▲

2024 · 55.9%

Current ratio

2.39▲

2024 · 1.90

Quick ratio

1.48▲

2024 · 1.25

Debt / equity

0.47▼

2024 · 0.79

ROE

27.7%▼

2024 · 36.6%

ROA

18.8%▼

2024 · 20.4%

Interest coverage

15.10▲

2024 · 14.98

Debt

€59k▼

2024 · €71k

Debt ≤ 1 year

€54k▼

2024 · €56k

Debt > 1 year

€5k▼

2024 · €15k

Income taxes

€11k▲

2024 · €10k

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€160k€183k▲

Fixed assets21/28€54k€54k▼

Tangible fixed assets22/27€50k€49k▼

Plant, machinery and equipment23€9k€17k▲

Furniture and vehicles24€41k€33k▼

Financial fixed assets28€4k€4k=

Current assets29/58€106k€129k▲

Stocks and contracts in progress3€36k€49k▲

Stocks30/36€36k€49k▲

Amounts receivable within one year40/41€53k€63k▲

Trade receivables40€2k€25k▲

Other amounts receivable41€51k€38k▼

Cash at bank and in hand54/58€16k€16k▲

Deferred charges and accrued income490/1€1k€981▼

Equity and liabilities

Total equity and liabilities10/49€160k€183k▲

Equity10/15€90k€124k▲

Contributions10/11€3k€3k=

Profit (loss) carried forward14€87k€121k▲

Amounts payable17/49€71k€59k▼

Amounts payable after more than one year17€15k€5k▼

Financial debts170/4€15k€5k▼

Amounts payable within one year42/48€56k€54k▼

Current portion of amounts payable after more than one year42€14k€18k▲

Trade debts44€17k€14k▼

Suppliers440/4€17k€14k▼

Advances received on contracts in progress46€791€0▼

Taxes, remuneration and social security45€24k€22k▼

Taxes450/3€24k€22k▼

Income statement Code20242025

Non-recurring operating income76A€174€0▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€16k▲

Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€2k€3k▲

Other operating charges640/8€1k€2k▲

Non-recurring operating charges66A€0€5k▲

Gross operating margin9900€52k€74k▲

Operating profit (loss)9901€43k€48k▲

Financial income75/76B€2k€2k▼

Recurring financial income75€2k€2k▼

Financial charges65/66B€3k€4k▲

Recurring financial charges65€3k€4k▲

Profit (loss) for the period before taxes9903€42k€45k▲

Income taxes67/77€10k€11k▲

Profit (loss) for the period9904€33k€34k▲

Profit (loss) for the period to be appropriated9905€33k€34k▲

Appropriation of the result

Profit (loss) to be appropriated9906€87k€121k▲

Profit (loss) brought forward from the previous period14P€54k€87k▲

The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 5Financial 2Filings 3

Next filing, fiscal year 2026, expected by 31-07-2027

2026

04-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 4 days late

2025

31-12

Financial Equity above €100kEq €124k ▲38.2%

3 profitable years in a row build equity to €124k.

19-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Weakest financial yearnet €33k ▼39.7%

Net result drops to €33k, the lowest in the series; recovery starts the following year.

18-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

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, Brugge · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Sint-Lenardsstraat 458380 Brugge

Ground area

1,114 m²

Building footprint

294 m²

Volume, LiDAR

1,730 m³

Parcel 31007D0106/00E000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

De Teckel

Sint-Lenardsstraat 45, 8380 BruggeEvent catering

since 20232.344.368.254

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
31007D0106/00E000 ProtectedTownscape or village viewDorpskom DudzeleSource ↗	Flanders	1,114 m²	1 · 294 m²	8.9 m · 2 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

2024 · 1 entry · 587 EUR awarded · 587 EUR paid

Year	Entries	awarded	paid
2024	1	587 EUR	587 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

1 entry · 587 EUR · 587 EUR paid · Fonds voor Innoveren en Ondernemen

Recognitions · licences · registrations

Food safety, FASFC

1 site

Brugge2.344.368.254

1 permission

Toelating · Eetgelegenheid · since 15-07-2026

Legal Entity Identifier

9845007D4A1CSDP8C492

live in the LEI register

Similar companies · same sector, comparable size

Of 13,834 companies in sector 56301 we hold annual accounts for 4,808. 3,474 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded18-04-2023

Fiscal year end31-12

Activities, NACEBEL

56301Cafés and bars

70200Business and other management consultancy

70220Business consulting

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.