GOZAR
ActiveGOZAR has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €170k and a net result of €9k. Equity is growing by ~11.7% per year across the filed fiscal years. Its solvency ranks better than 62% of 3616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
71
/ 100
Healthy▼ -23 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability27▼-2
Solvency70▼-30
Growth78=
Stability100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity tight (current ratio 1.32 against 2.3 in 2024), and 58.8% of the assets are financed with debt.
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
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 →
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
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
41.2%
Return on assets
2.3%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 03-12-2025, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
59 d early
2024
8 d early
2023
28 d early
2022
42 d early
2021
53 d early
2020
2 d late
2019
9 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€170k▼ 33.9%
2024 · €257k
2019: €26k
2020: €88k
2021: €205k
2022: €233k
2023: €242k
2024: €257k
2019 → 2025
Total assets
€413k▲ 3.6%
2024 · €398k
2019: €375k
2020: €386k
2021: €455k
2022: €446k
2023: €431k
2024: €398k
2019 → 2025
Net result
€9k▼ 37.4%
2024 · €15k
2019: €-72k
2020: €62k
2021: €116k
2022: €29k
2023: €9k
2024: €15k
2019 → 2025
Working capital
€79k▼ 56.4%
2024 · €180k
2019: €17k
2020: €71k
2021: €148k
2022: €156k
2023: €157k
2024: €180k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€205k-€233k▲ 14.0%€242k▲ 3.7%€257k▲ 6.2%€170k▼ 33.9%
Operating result€137k-€48k▼ 64.6%€23k▼ 52.2%€44k▲ 91.7%€34k▼ 24.4%
Net result€116k-€29k▼ 75.4%€9k▼ 69.7%€15k▲ 71.9%€9k▼ 37.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €413k
Fixed assets
€91k▲ 14.9%
Current assets
€321k▲ 0.8%
Equity and liabilities €413k
Equity
€170k▼ 33.9%
Debt
€243k▲ 72.0%
The debt ratio rises from 35.5% to 58.8%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€61k▼
2024 · €77k
Cash flow
€36k▼
2024 · €47k
Solvency
41.2%▼
2024 · 64.5%
Current ratio
1.32▼
2024 · 2.30
Quick ratio
1.16▼
2024 · 2.05
Debt / equity
1.43▲
2024 · 0.55
ROE
5.5%▼
2024 · 5.8%
ROA
2.3%▼
2024 · 3.7%
Interest coverage
4.90▼
2024 · 5.84
Debt
€243k▲
2024 · €141k
Debt ≤ 1 year
€243k▲
2024 · €138k
Income taxes
€12k▼
2024 · €19k
Staff costs
€693k▲
2024 · €684k
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€398k€413k▲
Fixed assets21/28€79k€91k▲
Tangible fixed assets22/27€79k€91k▲
Land and buildings22€10k€7k▼
Plant, machinery and equipment23€24k€42k▲
Furniture and vehicles24€3k€4k▲
Other tangible fixed assets26€41k€39k▼
Current assets29/58€319k€321k▲
Stocks and contracts in progress3€35k€40k▲
Stocks30/36€35k€40k▲
Amounts receivable within one year40/41€264k€238k▼
Trade receivables40-€2k
Other amounts receivable41€264k€237k▼
Cash at bank and in hand54/58€18k€40k▲
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€398k€413k▲
Equity10/15€257k€170k▼
Contributions10/11€19k€19k=
Reserves13€238k€151k▼
Tax-exempt reserves132€33k€33k=
Distributable reserves133€206k€118k▼
Amounts payable17/49€141k€243k▲
Amounts payable after more than one year17€3k-
Financial debts170/4€3k-
Amounts payable within one year42/48€138k€243k▲
Current portion of amounts payable after more than one year42€10k€3k▼
Financial debts43€51k€50k▼
Other loans439€51k€50k▼
Trade debts44€38k€42k▲
Suppliers440/4€38k€42k▲
Taxes, remuneration and social security45€38k€51k▲
Taxes450/3€19k€12k▼
Remuneration and social security454/9€20k€39k▲
Other amounts payable47/48-€97k
Income statement
Code20242025
Remuneration, social security and pensions62€684k€693k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€27k▼
Other operating charges640/8€3k€4k▲
Non-recurring operating charges66A-€6k
Gross operating margin9900€763k€763k▼
Operating profit (loss)9901€44k€34k▼
Financial income75/76B€2k€618▼
Recurring financial income75€2k€618▼
Financial charges65/66B€13k€12k▼
Recurring financial charges65€13k€12k▼
Profit (loss) for the period before taxes9903€34k€22k▼
Income taxes67/77€19k€12k▼
Profit (loss) for the period9904€15k€9k▼
Profit (loss) for the period to be appropriated9905€15k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k-
Profit (loss) brought forward from the previous period14P-€-9k
Transfer to equity691/2€15k-
To other reserves6921€15k-
Social balance
Average headcount (FTE)908715.9-
The notes to these accounts (6 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
2025
03-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
23-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
03-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
09-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
30-06
Financial
Highest result since 2019net €116k ▲86.7%
Operating result €137k, net result €116k, both a record.
30-06
Financial
Equity above €200kEq €205k ▲132%
2 profitable years in a row build equity to €205k.
02-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 2 days late
2020
30-06
Financial
Back to profitnet €62k
Net result €62k after one loss-making year.
22-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
12-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
11-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Kontich · 1 establishment unit since 1996
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.
Grote Steenweg 352550 KontichGround area
2,224 m²
Building footprint
399 m²
Volume, LiDAR
1,708 m³
Parcel 11048B0003/00L004, Flanders · tallest building 8.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
NICK'S CAFE
since 19962.078.347.041
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11048B0003/00L004 | Flanders | 2,224 m² | 1 · 399 m² | 8.5 m · 1 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 siteKontich2.078.347.041
Dual-learning approval
9 live approvals · 5 endedGrootkeuken en catering duaal (so)
Grootkeukenkok duaal (so)
Hulpkelner (vwo)
Hulpkelner duaal (so)
Keukenmedewerker (vwo)
Keukenmedewerker duaal (so)
Show 3 more
Kok (vwo)
Kok duaal (so)
Restaurant en keuken duaal (so)
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Of 20,231 companies in sector 56111 we hold annual accounts for 11,313. 8,768 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-07-1996
Fiscal year end30-06
Activities, NACEBEL
55301
55401
56101Full-service restaurants
56111Full-service restaurants
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.