ERMITE
ActiveThe computed 12-month bankruptcy probability of ERMITE is 7.4% (elevated). The 2025 annual accounts show negative equity (€-60k) and a net result of €1k. Equity is shrinking by ~11.7% per year across the filed fiscal years. Its solvency ranks better than 14% of 13270 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
26
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▲+31
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
7.4%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.28 against 0.32 in 2024; short-term debt: 101.4% and cash: 12.3% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+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
Sector 56
higher
← 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 dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-55.1%
Return on assets
0.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 13270 sector peers (2025).
NBB · sector comparisonPosition among 13270 sector peers
Solvency
better than 14%
← weakest
strongest →
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 07-04-2026, 115 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
115 d early
2024
121 d early
2023
124 d early
2022
76 d early
2021
93 d early
2020
80 d early
2019
9 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-60k▼ 6.1%
2024 · €-57k
2019: €26k
2020: €-27k
2021: €-104k
2022: €-63k
2023: €-56k
2024: €-57k
2019 → 2025
Total assets
€109k▼ 19.5%
2024 · €136k
2019: €301k
2020: €238k
2021: €222k
2022: €191k
2023: €166k
2024: €136k
2019 → 2025
Net result
€1k
2024 · €-12k
2019: €-14k
2020: €-90k
2021: €-72k
2022: €21k
2023: €11k
2024: €-12k
2019 → 2025
Working capital
€-80k▼ 25.7%
2024 · €-64k
2019: €-21k
2020: €-19k
2021: €-44k
2022: €-38k
2023: €-56k
2024: €-64k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-104k-€-63k▲ 39.8%€-56k▲ 11.2%€-57k▼ 2.2%€-60k▼ 6.1%
Operating result€-72k-€24k€16k▼ 33.9%€-8k€2k
Net result€-72k-€21k€11k▼ 44.7%€-12k€1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €2k after a loss of €8k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €109k
Fixed assets
€79k▼ 25.6%
Current assets
€30k▲ 2.0%
Key figures and ratios
EBITDA
€30k▲
2024 · €21k
Cash flow
€30k▲
2024 · €17k
Solvency
-55.1%▼
2024 · -41.8%
Current ratio
0.28▼
2024 · 0.32
Quick ratio
0.18▼
2024 · 0.20
Debt / equity
-2.76▲
2024 · -3.31
ROA
0.9%▲
2024 · -8.7%
Interest coverage
4.48▲
2024 · 2.15
Debt
€166k▼
2024 · €188k
Debt ≤ 1 year
€111k▲
2024 · €94k
Debt > 1 year
€55k▼
2024 · €92k
Staff costs
€188k▼
2024 · €194k
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€136k€109k▼
Fixed assets21/28€106k€79k▼
Tangible fixed assets22/27€106k€79k▼
Furniture and vehicles24€3k€3k▼
Other tangible fixed assets26€102k€76k▼
Current assets29/58€30k€30k▲
Stocks and contracts in progress3€11k€11k▲
Stocks30/36€11k€11k▲
Amounts receivable within one year40/41€610€751▲
Other amounts receivable41€610€751▲
Cash at bank and in hand54/58€15k€13k▼
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€136k€109k▼
Equity10/15€-57k€-60k▼
Contributions10/11€84k€84k=
Profit (loss) carried forward14€-156k€-155k▲
Investment grants15€15k€11k▼
Provisions and deferred taxes16€5k€4k▼
Deferred taxes168€5k€4k▼
Amounts payable17/49€188k€166k▼
Amounts payable after more than one year17€92k€55k▼
Financial debts170/4€92k€55k▼
Amounts payable within one year42/48€94k€111k▲
Current portion of amounts payable after more than one year42€38k€38k▼
Financial debts43€3k€4k▲
Credit institutions430/8€3k€4k▲
Trade debts44€32k€50k▲
Suppliers440/4€32k€50k▲
Taxes, remuneration and social security45€20k€19k▼
Taxes450/3€12k€10k▼
Remuneration and social security454/9€8k€9k▲
Accrued charges and deferred income492/3€2k-
Income statement
Code20242025
Remuneration, social security and pensions62€194k€188k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€29k▼
Other operating charges640/8€4k€4k▼
Gross operating margin9900€218k€222k▲
Operating profit (loss)9901€-8k€2k▲
Financial income75/76B€6k€6k▼
Recurring financial income75€6k€6k▼
Financial charges65/66B€10k€7k▼
Recurring financial charges65€10k€7k▼
Profit (loss) for the period before taxes9903€-12k€1k▲
Profit (loss) for the period9904€-12k€1k▲
Profit (loss) for the period to be appropriated9905€-12k€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-156k€-155k▲
Profit (loss) brought forward from the previous period14P€-144k€-156k▼
The notes to these accounts (8 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
07-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
01-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €21k
Net result €21k after 3 loss-making years.
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
12-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-90k
Net result drops to €-90k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2019
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.
Moskoustraat 341060 Sint-Gillis (bij-Brussel)Ground area
88 m²
Building footprint
88 m²
Volume, LiDAR
1,698 m³
Parcel 21013B0116/00G007, Brussels · tallest building 24.0 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
L'ERMITAGE-Saint-Gilles
since 20192.289.746.267
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21013B0116/00G007 | Brussels | 88 m² | 1 · 88 m² | 23.9 m · 7 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Gillis2.289.746.267
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Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 4,060 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-05-2019
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.