Debts
€310,418 80% of the balance sheet
Financial debts 70%Suppliers 8%Taxes and wages 8%Other 14%
Of this, €97,298 falls due within a year.
F&B GROUP
Lifetime
20 annual accounts with figures on one time axispeak €171,835 (2024)
€152,945▼ 11.0%
lowest -€15,261 (2020)
€347▼ 97.9%
peak €78,383 (2025)
€78,383▲ 0.4%
€310,418▼ 5.0%
peak 2 FTE (2007)
-not published
Board1 name since 2021
1 directorKREKELBERG Suzanne
Documentsfilings and deeds
17-08-202617 days late
2025micro format
Result from €16,507 to €347Cash from €2,947 to €1,505
Key points
from the 2025 annual accountsChecked score
54
Fair
Financially stronger than 40% of micro companies in food and beverage service (NACE 56)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
1.9% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.8% across 23,788 companies (NACE 56, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.0%
01-2025: 1.9%▼ -0.1 percentage points vs 12-2024
02-2025: 1.9%● unchanged vs 01-2025
03-2025: 1.9%● unchanged vs 02-2025
04-2025: 1.9%● unchanged vs 03-2025
05-2025: 1.9%● unchanged vs 04-2025
06-2025: 1.8%▼ -0.1 percentage points vs 05-2025
07-2025: 2.0%▲ +0.2 percentage points vs 06-2025
08-2025: 1.4%▼ -0.6 percentage points vs 07-2025
09-2025: 1.4%● unchanged vs 08-2025
10-2025: 1.4%● unchanged vs 09-2025
11-2025: 1.4%● unchanged vs 10-2025
12-2025: 1.4%● unchanged vs 11-2025
01-2026: 1.4%● unchanged vs 12-2025
02-2026: 1.4%● unchanged vs 01-2026
03-2026: 1.4%● unchanged vs 02-2026
04-2026: 1.4%● unchanged vs 03-2026
05-2026: 1.4%● unchanged vs 04-2026
06-2026: 1.4%● unchanged vs 05-2026lowest value
07-2026: 1.4%● unchanged vs 06-2026
08-2026: 2.1%▲ +0.7 percentage points vs 07-2026highest value
09-2026: 1.9%▼ -0.2 percentage points vs 08-2026
10-2026: 1.9%● unchanged vs 09-2026
11-2026: 1.9%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Sector: Food and beverage service activities (NACE 56)
Last filed accounts filed 17 days late; 1 of the last 3 accounts late
Liquidity: current ratio 0.67, cash €1,505
lowers risk
Founded in 2005
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 56, micro). It does better than 42% of them on solvency, 36% on liquidity, 42% on profitability and 42% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 3,984 companies had the same profile as F&B GROUP has now. Each dot stands for 10 companies, two years later.
96.5%
were still trading
2.3%
stopped another way
1.1%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of F&B GROUP itself is higher: 1.9% within 12 months. It rests on far more data about F&B GROUP than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,984 companies, not a prediction for F&B GROUP. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €4,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.67 (0.78 in 2024), below 1. Short-term debt is 25% and cash 0.4% of total assets. 79.8% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 17 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
17 days late
2024
2 days early
2023
58 days late
2022
6 days early
2021
31 days early
2020
24 days early
2019
32 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 3 days before the deadline. In the sector (NACE 56), the median for financial year 2024 was 7 days after the deadline, and 53% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0875708575
Resignation: KREKELBERG Suzanne (manager)
Reappointment: KREKELBERG Suzanne (director) · “1.Aan-en verkoop,in-en uitvoer,groot-en kleinhandel,de ambulante handel en openbare markten inbegrepen,en…” (deed in Dutch) · Director discharge: KREKELBERG Suzanne · General meeting of 28-12-2023 · Gazette deed
Registered office moved within Bilzen
New registered office: Demerlaan 6 3740 Bilzen · Previous registered office: Romboutstraat 1 3740 Bilzen · Gazette deed
First establishment
BVBA F&B GROUP, Demerlaan 6, Bilzen-Hoeselt
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| F&B GROUP Bilzen-Hoeselt | €388,801 | €152,945 | 20.2% | - |
| PITSTOP Zonhoven | €435,132 | €142,441 | 67.6% | - |
| MELONE Bilzen-Hoeselt | €340,842 | €138,116 | 40.6% | - |
| LA PALAZA Mortsel | €381,042 | €150,173 | 85.5% | - |
| MARETAK De Panne | €398,510 | €154,677 | 73.4% | - |
| ALPAJURO Ixelles | €389,079 | €175,166 | 33.0% | 5.6 |
| PHEVEN Mortsel | €377,681 | €134,629 | 79.4% | - |
These companies have the same main activity as F&B GROUP: limited-service restaurants, excluding mobile food services (NACE 56112). They are comparable in size and age: total assets between €341,000 and €435,000, founded between 2003 and 2006.
Official details
Source: KBO- Status
- Active since 25-08-2005Normal situation
- Activity
- Limited-service restaurants, excluding mobile food servicesNACE 56112
- Establishment unit
- 2.148.790.8173740 Bilzen-Hoeselt, since 09-09-2005
- Financial year end
- 31 December
- Peppol
- Reachable since 20-12-2025
Insights on F&B GROUP
F&B GROUP files the micro format. That format states no turnover. The gross margin rose from €82,011 in 2006 to €152,945 in 2025.
The balance sheet grew most from 2018 to 2020 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about F&B GROUP
- What is the company number of F&B GROUP?
- The company number of F&B GROUP is 0875.708.575. The VAT number is the same number with BE in front: BE 0875.708.575.
- Where is F&B GROUP based?
- The registered office is at Demerlaan 6, 3740 Bilzen-Hoeselt.Company details
- What does F&B GROUP do?
- According to the KBO register, the main activity is limited-service restaurants, excluding mobile food services (NACE 56112).
- What is the legal form of F&B GROUP?
- F&B GROUP is a private limited company (BV).
- When was F&B GROUP founded?
- F&B GROUP was founded on 25-08-2005.
- Is F&B GROUP still active?
- Yes, F&B GROUP is an active enterprise in the KBO register.
- How many employees does F&B GROUP have?
- F&B GROUP had an average of 8.5 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of F&B GROUP?
- The turnover in financial year 2025 is ≈ €470,000. This figure is estimated from the gross margin of €152,945 and 81 comparable companies (NACE 56112). It probably lies between €350,000 and €580,000.
- Is F&B GROUP profitable?
- In financial year 2025, F&B GROUP made a profit of €347.
- Where can I find the annual accounts of F&B GROUP?
- F&B GROUP filed 20 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of F&B GROUP due?
- F&B GROUP must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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