GOURMAND'ICE
ActiveGOURMAND'ICE has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €490k and a net result of €63k. Equity is growing by ~13.3% per year across the filed fiscal years. Its solvency ranks better than 62% of 1538 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+29
Solvency70▼-3
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.43 against 1.52 in 2024; short-term debt: 7.7% and cash: 15.6% of total assets), but 55% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+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 10
Relative position
BE, all sectors
reference
Sector 10
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
45%
Return on assets
5.8%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
60 d late
2023
31 d late
2022
31 d late
2021
59 d late
2020
61 d late
2019
60 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€490k▲ 14.8%
2024 · €427k
2018: €137k
2019: €186k
2020: €244k
2021: €356k
2022: €439k
2023: €486k
2024: €427k
2018 → 2025
Total assets
€1.09M▲ 21.3%
2024 · €898k
2018: €473k
2019: €518k
2020: €558k
2021: €654k
2022: €742k
2023: €1.01M
2024: €898k
2018 → 2025
Net result
€63k▲ 1,765%
2024 · €3k
2018: €32k
2019: €48k
2020: €66k
2021: €123k
2022: €94k
2023: €57k
2024: €3k
2018 → 2025
Working capital
€119k▲ 283%
2024 · €31k
2018: €87k
2019: €114k
2020: €178k
2021: €267k
2022: €339k
2023: €272k
2024: €31k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€356k-€439k▲ 23.0%€486k▲ 10.8%€427k▼ 12.1%€490k▲ 14.8%
Operating result€168k-€130k▼ 22.7%€92k▼ 29.1%€27k▼ 70.7%€112k▲ 315%
Net result€123k-€94k▼ 23.3%€57k▼ 39.2%€3k▼ 94.1%€63k▲ 1,765%
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 315% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.09M
Fixed assets
€887k▲ 9.8%
Current assets
€203k▲ 124%
Equity and liabilities €1.09M
Equity
€490k▲ 14.8%
Debt
€599k▲ 27.2%
The debt ratio rises from 52.5% to 55.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€188k▲
2024 · €87k
Cash flow
€139k▲
2024 · €64k
Solvency
45.0%▼
2024 · 47.5%
Current ratio
2.43▲
2024 · 1.52
Quick ratio
2.43▲
2024 · 1.52
Debt / equity
1.22▲
2024 · 1.10
ROE
12.9%▲
2024 · 0.8%
ROA
5.8%▲
2024 · 0.4%
Interest coverage
6.17▲
2024 · 3.37
Debt
€599k▲
2024 · €471k
Debt ≤ 1 year
€84k▲
2024 · €59k
Debt > 1 year
€516k▲
2024 · €410k
Income taxes
€20k▲
2024 · €708
Staff costs
€113k▼
2024 · €140k
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€898k€1.09M▲
Fixed assets21/28€808k€887k▲
Tangible fixed assets22/27€808k€886k▲
Land and buildings22€592k€644k▲
Plant, machinery and equipment23€184k€193k▲
Furniture and vehicles24€31k€49k▲
Financial fixed assets28€35€35=
Current assets29/58€91k€203k▲
Amounts receivable within one year40/41€21k€25k▲
Trade receivables40€1k€2k▲
Other amounts receivable41€20k€24k▲
Cash at bank and in hand54/58€68k€170k▲
Deferred charges and accrued income490/1€1k€8k▲
Equity and liabilities
Total equity and liabilities10/49€898k€1.09M▲
Equity10/15€427k€490k▲
Contributions10/11€6k€6k=
Reserves13€421k€484k▲
Distributable reserves133€421k€484k▲
Amounts payable17/49€471k€599k▲
Amounts payable after more than one year17€410k€516k▲
Financial debts170/4€410k€516k▲
Amounts payable within one year42/48€59k€84k▲
Financial debts43€41k€52k▲
Credit institutions430/8€41k€52k▲
Trade debts44€6k€19k▲
Suppliers440/4€6k€19k▲
Taxes, remuneration and social security45€9k€8k▼
Taxes450/3-€5k
Remuneration and social security454/9€9k€4k▼
Other amounts payable47/48€4k€4k=
Accrued charges and deferred income492/3€2k-
Income statement
Code20242025
Non-recurring operating income76A€12k€10k▼
Remuneration, social security and pensions62€140k€113k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€60k€76k▲
Other operating charges640/8€6k€6k▲
Gross operating margin9900€234k€308k▲
Operating profit (loss)9901€27k€112k▲
Financial income75/76B€3k€1k▼
Recurring financial income75€3k€1k▼
Financial charges65/66B€26k€31k▲
Recurring financial charges65€26k€31k▲
Profit (loss) for the period before taxes9903€4k€83k▲
Income taxes67/77€708€20k▲
Profit (loss) for the period9904€3k€63k▲
Profit (loss) for the period to be appropriated9905€3k€63k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€63k▲
Transfer from equity791/2€62k-
Transfer to equity691/2€3k€63k▲
To other reserves6921€3k€63k▲
Profit to be distributed694/7€62k-
Return on contributions (dividend)694€62k-
The notes to these accounts (9 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial
Weakest financial yearnet €3k ▼94.1%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 59 days late
2021
31-12
Financial
Highest result since 2018net €123k ▲85.4%
Operating result €168k, net result €123k, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Equity above €200kEq €244k ▲31.4%
3 profitable years in a row build equity to €244k.
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
31-12
Financial
Equity above €150kEq €186k ▲35.2%
2 profitable years in a row build equity to €186k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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 · 3 establishment units since 2008
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.
Rue Georges Albert 61A4800 VerviersGround area
1,590 m²
Building footprint
303 m²
Volume, LiDAR
1,798 m³
4 parcels, Wallonia · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
3 establishment units
LA GOURMAND'ICE
since 20082.175.468.686
LA GOURMAND'ICE
since 20102.187.446.901
LA GOURMAND'ICE
since 20242.356.527.502
4 parcels
Wallonia
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63576E0562/00R008 | Wallonia | 886 m² | 1 · 77 m² | 8.3 m · 2 fl. |
| 63074B0868/00B000 | Wallonia | 317 m² | 1 · 89 m² | - |
| 63074B0864/00S004 | Wallonia | 258 m² | 1 · 68 m² | 12.3 m · 3 fl. |
| 63036A0291/00N000 | Wallonia | 130 m² | 1 · 69 m² | 11.5 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 3
4 of 4 parcels 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
3 sites · 3 with a smileyVerviers2.175.468.686
Verviers2.187.446.901
Verviers2.356.527.502
Similar companies · same sector, comparable size
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Desart
BE 0877.277.601
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GILFI
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Bonvanill
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Of 611 companies in sector 10520 we hold annual accounts for 236. 135 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-12-2008
Fiscal year end31-12
Activities, NACEBEL
10520Manufacture of food products
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
10820Manufacture of cocoa, chocolate and sugar confectionery
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.