HTC CATERING
ActiveThe computed 12-month bankruptcy probability of HTC CATERING is 5.1% (elevated). The 2025 annual accounts show negative equity (€-85k) and a net result of €21k. Equity is growing by ~38% per year across the filed fiscal years. Its solvency ranks better than 9% of 13306 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▼-4
Solvency0=
Growth78=
Track record94
Bankruptcy probability, 12 months
5.1%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.4 against 0.3 in 2024; short-term debt: 222.1% and cash: 47.2% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven 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
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 2025Solvency, return and age of the figures
Solvency
-122.1%
Return on assets
30.6%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 13306 sector peers (2025).
NBB · sector comparisonPosition among 13306 sector peers
Solvency
better than 9%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-04-2026, 3 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
3 d early
2024
22 d late
2023
4 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-85k▲ 20.0%
2024 · €-106k
2023: €-165k
2024: €-106k
2023 → 2025
Total assets
€69k▲ 30.3%
2024 · €53k
2023: €44k
2024: €53k
2023 → 2025
Net result
€21k▼ 64.1%
2024 · €59k
2023: €-195k
2024: €59k
2023 → 2025
Working capital
€-93k▲ 17.1%
2024 · €-112k
2023: €-197k
2024: €-112k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€-165k-€-106k▲ 35.8%€-85k▲ 20.0%
Operating result€-223k-€42k€23k▼ 45.0%
Net result€-195k-€59k€21k▼ 64.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 45% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €69k
Fixed assets
€7k▲ 47.1%
Current assets
€62k▲ 29.4%
Key figures and ratios
EBITDA
€26k▼
2024 · €44k
Cash flow
€24k▼
2024 · €61k
Solvency
-122.1%▲
2024 · -198.9%
Current ratio
0.40▲
2024 · 0.30
Quick ratio
0.40▲
2024 · 0.30
Debt / equity
-1.82▼
2024 · -1.50
ROA
30.6%▼
2024 · 111.1%
Interest coverage
5.48▼
2024 · 21.60
Debt
€154k▼
2024 · €159k
Debt ≤ 1 year
€154k▼
2024 · €159k
Staff costs
€75k▲
2024 · €46k
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€53k€69k▲
Formation expenses20€560€301▼
Fixed assets21/28€5k€7k▲
Intangible fixed assets21€2k€998▼
Tangible fixed assets22/27€3k€6k▲
Plant, machinery and equipment23€998€5k▲
Furniture and vehicles24€2k€924▼
Other tangible fixed assets26€0-
Financial fixed assets28€800€800=
Current assets29/58€48k€62k▲
Amounts receivable within one year40/41€31k€29k▼
Trade receivables40€31k€29k▼
Other amounts receivable41€419€66▼
Cash at bank and in hand54/58€16k€33k▲
Deferred charges and accrued income490/1€1k€0▼
Equity and liabilities
Total equity and liabilities10/49€53k€69k▲
Equity10/15€-106k€-85k▲
Contributions10/11€30k€30k=
Profit (loss) carried forward14€-136k€-115k▲
Amounts payable17/49€159k€154k▼
Amounts payable within one year42/48€159k€154k▼
Trade debts44€42k€35k▼
Suppliers440/4€42k€35k▼
Advances received on contracts in progress46€777€11k▲
Taxes, remuneration and social security45€8k€9k▲
Taxes450/3€4k€5k▲
Remuneration and social security454/9€4k€5k▲
Other amounts payable47/48€108k€99k▼
Income statement
Code20242025
Non-recurring operating income76A€80k€0▼
Remuneration, social security and pensions62€46k€75k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€6k€1k▼
Gross operating margin9900€96k€102k▲
Operating profit (loss)9901€42k€23k▼
Financial income75/76B€19k€3k▼
Recurring financial income75€19k€3k▼
Financial charges65/66B€2k€5k▲
Recurring financial charges65€2k€5k▲
Profit (loss) for the period before taxes9903€59k€21k▼
Profit (loss) for the period9904€59k€21k▼
Profit (loss) for the period to be appropriated9905€59k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-136k€-115k▲
Profit (loss) brought forward from the previous period14P€-195k€-136k▲
The notes to these accounts (10 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
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
30-09
Financial
Back to profitnet €59k
Net result €59k after one loss-making year.
26-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Lokeren · 1 establishment unit since 2021
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.
Uitbreidingslaan 109160 LokerenGround area
1.2 ha
Building footprint
3,396 m²
Volume, LiDAR
956 m³
Parcel 46014A0419/00F000, Flanders · tallest building 16.9 m. Linked by address, not a title deed.
1 establishment unit
Villa Belle
since 20212.324.426.638
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46014A0419/00F000 | Flanders | 1.2 ha | 1 · 3,396 m² | 16.9 m |
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 siteLokeren2.324.426.638
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We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 20,495 companies in sector 56111 we hold annual accounts for 11,462.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-11-2021
Fiscal year end30-09
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56210Event catering
56220Contract catering and other food service activities
56290Food and beverage service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesPhone:0479256355
Phone:09 330 22 30