Skip to content

FOCACCINO

Active
Private limited companyfounded 20241 yr activeAvenue de Spa 90, 4800 Verviers, BelgiumKBO/BCE: BE 1015.692.740
Summary

The computed 12-month bankruptcy probability of FOCACCINO is 4.4% (elevated). The 2025 annual accounts show negative equity (-€7,417) and a net result of -€9,417. Its solvency ranks better than 19% of 13617 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability12
Solvency4
Growth-
Track record67
Bankruptcy probability, 12 months
4.4% Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.08; short-term debt: 69.5% and cash: 3.1% of total assets), and equity is negative.
Credit check for your own amount and term

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

Signals

Six 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
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies more bankruptcies →
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 2025
Solvency, return and age of the figures
Solvency
-20.6%
Return on assets
-26.1%
Age of the figures
9 mo
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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
29 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

FOCACCINO was incorporated on 29 October 2024 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

Go further with this company

Is this your company? See how customers and banks see it.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, micro schema

Equity
-€7,417
Total assets
€36,084
Net result
-€9,417
Working capital
-€23,144

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

Balance-sheet composition
Assets €36,084
Fixed assets €34,156
Current assets €1,928
Key figures and ratios
2025 value
EBITDA
€5,074
Cash flow
€1,465
Solvency
-20.6%
Current ratio
0.08
Debt to equity
-5.86
ROA
-26.1%
Interest coverage
1.41
Debt
€43,501
Debt ≤ 1 year
€25,073
Debt > 1 year
€18,429
Staff costs
€38,963

Peer companies

Historical observation

Of the 1,322 companies that looked in July 2024 the way this one looks now, 4.2% went bankrupt within 24 months and 90% are still going.

  • Micro
  • under 2 years old
  • negative equity
  • a loss of 10% of the balance sheet or more
4.2% went bankrupt
5.5% stopped otherwise
90% still going

For this company itself Checked computes a bankruptcy probability of 4.4% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 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% 1.9%
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 1,322 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 · 37 lines
Balance sheet Code2025
Assets
Total assets20/58€36,084
Fixed assets21/28€34,156
Tangible fixed assets22/27€34,156
Plant, machinery and equipment23€17,441
Furniture and vehicles24€3,214
Other tangible fixed assets26€13,501
Current assets29/58€1,928
Amounts receivable within one year40/41€817
Trade receivables40€145
Other amounts receivable41€672
Cash at bank and in hand54/58€1,111
Equity and liabilities
Total equity and liabilities10/49€36,084
Equity10/15-€7,417
Contributions10/11€2,000
Profit (loss) carried forward14-€9,417
Amounts payable17/49€43,501
Amounts payable after more than one year17€18,429
Financial debts170/4€18,429
Amounts payable within one year42/48€25,073
Current portion of amounts payable after more than one year42€5,709
Trade debts44€1,856
Suppliers440/4€1,856
Advances received on contracts in progress46€154
Taxes, remuneration and social security45€2,204
Remuneration and social security454/9€2,204
Other amounts payable47/48€15,150
Income statement Code2025
Remuneration, social security and pensions62€38,963
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10,882
Other operating charges640/8€2,790
Gross operating margin9900€46,828
Operating profit (loss)9901-€5,808
Financial charges65/66B€3,610
Recurring financial charges65€3,610
Profit (loss) for the period before taxes9903-€9,417
Profit (loss) for the period9904-€9,417
Profit (loss) for the period to be appropriated9905-€9,417
Appropriation of the result
Profit (loss) to be appropriated9906-€9,417

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€38,963
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10,882
Other operating charges640/8€2,790
Gross operating margin9900€46,828
Operating profit (loss)9901-€5,808
Financial charges65/66B€3,610
Recurring financial charges65€3,610
Profit (loss) for the period before taxes9903-€9,417
Profit (loss) for the period9904-€9,417
Profit (loss) for the period to be appropriated9905-€9,417
Line2025
Assets
Total assets20/58€36,084
Fixed assets21/28€34,156
Tangible fixed assets22/27€34,156
Plant, machinery and equipment23€17,441
Furniture and vehicles24€3,214
Other tangible fixed assets26€13,501
Current assets29/58€1,928
Amounts receivable within one year40/41€817
Trade receivables40€145
Other amounts receivable41€672
Cash at bank and in hand54/58€1,111
Equity and liabilities
Total equity and liabilities10/49€36,084
Equity10/15-€7,417
Contributions10/11€2,000
Profit (loss) carried forward14-€9,417
Amounts payable17/49€43,501
Amounts payable after more than one year17€18,429
Financial debts170/4€18,429
Amounts payable within one year42/48€25,073
Current portion of amounts payable after more than one year42€5,709
Trade debts44€1,856
Suppliers440/4€1,856
Advances received on contracts in progress46€154
Taxes, remuneration and social security45€2,204
Remuneration and social security454/9€2,204
Other amounts payable47/48€15,150
Line2025
Profit (loss) for the period9904-€9,417
+ Depreciation and write-downs630€10,882
Operating cash flow (approximation)€1,465

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

Download as CSV

Timeline · acts, filings and financial milestones

2026
29-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
NBB filing
0 of 2 acts read
About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors
2 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, Verviers · 1 establishment unit since 2024
seat establishment approximate The establishment unit on the map
Ground area
494 m²
Building footprint
135 m²
Volume, LiDAR
1,207 m³
Parcel 63079D0417/00B025, Wallonia · tallest building 9.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FOCACCINO
Avenue de Spa 90, 4800 VerviersWholesale of other food products
since 20242.365.688.755
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
63079D0417/00B025indicative Wallonia 494 m² 1 · 135 m² 9.3 m · 3 fl.
Linked by address, not proof of ownership
Good to know
0 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
Verviers2.365.688.755
1 permission
Toelating · Eetgelegenheid · since 16-12-2024

Similar companies · same sector and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 21,853 companies in sector 56112 we hold annual accounts for 9,781. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded29-10-2024
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
E-invoicing
Reachable via Peppol
Peppol ID 0208:1015692740
Also 9925:BE1015692740
Registered 05-03-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.