HOT N CHEESE

Active

Private limited companyfounded 20242 yrs activeBoulevard de la Sauvenière 151, 4000 Liège, BelgiumKBO/BCE: BE 1010.248.961

The computed 12-month bankruptcy probability of HOT N CHEESE is 9.4% (elevated). The 2024 annual accounts show equity of €10k and a net result of €-10k. Its solvency ranks better than 63% of 18939 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

33 / 100

Weak

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes

Profitability0

Solvency69

Growth-

Track record67

Bankruptcy probability, 12 months

9.4% Elevated

0%0.5%1.5%4%10%≥ 25%

No publishable credit limit; credit only on tighter terms

Liquidity ample (current ratio 1.79; short-term debt: 55.8% and cash: 20.7% of total assets), but 55.8% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

+raises risk○neutral

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 →

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

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 2024

Solvency, return and age of the figures

Solvency

44.2%

Return on assets

-43.3%

Age of the figures

21 mo

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-10-2025, 78 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

2024

78 d late

← before the deadline after the deadline →

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

Financials · fiscal year 2024, micro schema

Turnover

€64k

EBIT margin

-15.3%

Net result

€-10k

Working capital

€10k

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

Balance-sheet composition

Equity and liabilities €23k

44.2%

55.8%

Equity €10k

Debt €13k

Debt finances 55.8% of the balance-sheet total.

Key figures and ratios

2024 value

Solvency

44.2%

Current ratio

1.79

Quick ratio

1.72

Debt / equity

1.26

ROE

-97.9%

ROA

-43.3%

Debt

€13k

Debt ≤ 1 year

€13k

Staff costs

€9k

Filed annual accounts

As filed with the NBB · 2024

Balance sheet Code2024

Assets

Total assets20/58€23k

Current assets29/58€23k

Stocks and contracts in progress3€950

Stocks30/36€950

Amounts receivable within one year40/41€17k

Trade receivables40€2k

Other amounts receivable41€15k

Cash at bank and in hand54/58€5k

Equity and liabilities

Total equity and liabilities10/49€23k

Equity10/15€10k

Contributions10/11€20k

Profit (loss) carried forward14€-10k

Amounts payable17/49€13k

Amounts payable within one year42/48€13k

Trade debts44€3k

Suppliers440/4€3k

Taxes, remuneration and social security45€3k

Taxes450/3€403

Remuneration and social security454/9€2k

Other amounts payable47/48€7k

Income statement Code2024

Turnover70€64k

Goods, raw materials, services and sundry goods60/61€64k

Remuneration, social security and pensions62€9k

Non-recurring operating charges66A€3k

Gross operating margin9900€2k

Operating profit (loss)9901€-10k

Financial income75/76B€0

Recurring financial income75€0

Financial charges65/66B€40

Recurring financial charges65€40

Profit (loss) for the period before taxes9903€-10k

Profit (loss) for the period9904€-10k

Profit (loss) for the period to be appropriated9905€-10k

Appropriation of the result

Profit (loss) to be appropriated9906€-10k

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2025

17-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 78 days late

NBB filing

Directors · office · real estate

Directors

1 act for this company is 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, Liège · 2 establishment units since 2024

establishment All 2 establishment units on the map

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.

Boulevard de la Sauvenière 1514000 Liège

Ground area

263 m²

Building footprint

176 m²

Volume, LiDAR

2,070 m³

2 parcels, Wallonia · tallest building 26.9 m, ±6 floors. Linked by address, not a title deed.

2 establishment units

HOT N CHEESE

Boulevard de la Sauvenière 151, 4000 LiègeHoliday cottages, homes and apartments

since 20242.360.403.344

KROUSTY Space

Rue Louis Demeuse 35, 4040 HerstalLimited-service restaurants, excluding mobile food services

since 20252.381.541.426

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62803A1215/00L000	Wallonia	160 m²	1 · 77 m²	26.9 m · 6 fl.
62315G0568/00Z010	Wallonia	103 m²	1 · 99 m²	9.3 m · 2 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 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

2 sites

Herstal2.381.541.426

1 permission

Toelating · Eetgelegenheid · since 23-12-2025

Liège2.360.403.344

1 permission

Toelating · Eetgelegenheid · since 08-07-2024

Similar companies · same sector, comparable size

Of 21,896 companies in sector 56112 we hold annual accounts for 9,784. 6,936 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded11-06-2024

Fiscal year end31-12

Activities, NACEBEL

56102Limited-service restaurants

56112Limited-service restaurants, excluding mobile food services

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers

Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

2 entries

E-mail:tarek-zaid@outlook.fr

Enterprise

Phone:+32466119956

Enterprise