Ich & Dich
ActiveThe computed 12-month bankruptcy probability of Ich & Dich is 1.7% (moderate). The 2025 annual accounts show equity of €6k and a net result of €-4k. Equity is shrinking by ~4% per year across the filed fiscal years. Its solvency ranks better than 37% of 13009 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
15
/ 100
Critical▼ -33 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-86
Solvency13▼-15
Growth32▼-20
Stability100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.65 against 0.83 in 2024), and 84.8% 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
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
15.2%
Return on assets
-10.5%
Age of the figures
11 mo
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 30-03-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
23 d early
2023
1 d early
2022
34 d early
2021
33 d early
2020
24 d early
2019
45 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
12-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€6k▼ 40.9%
2024 · €10k
2018: €9k
2019: €11k
2020: €11k
2021: €7k
2022: €2k
2023: €9k
2024: €10k
2018 → 2025
Total assets
€41k▼ 12.6%
2024 · €46k
2018: €28k
2019: €24k
2020: €22k
2021: €13k
2022: €16k
2023: €18k
2024: €46k
2018 → 2025
Net result
€-4k
2024 · €2k
2018: €4k
2019: €3k
2020: €-189
2021: €-4k
2022: €-5k
2023: €6k
2024: €2k
2018 → 2025
Working capital
€-9k▼ 130%
2024 · €-4k
2018: €-11k
2019: €-2k
2020: €5k
2021: €3k
2022: €-3k
2023: €3k
2024: €-4k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€7k-€2k▼ 67.1%€9k▲ 275%€10k▲ 20.8%€6k▼ 40.9%
Operating result€-4k-€-5k▼ 8.5%€7k€4k▼ 42.8%€-2k
Net result€-4k-€-5k▼ 10.7%€6k€2k▼ 71.6%€-4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €2k after €4k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €41k
Fixed assets
€24k▼ 12.5%
Current assets
€16k▼ 12.6%
Equity and liabilities €41k
Equity
€6k▼ 40.9%
Debt
€34k▼ 4.3%
The debt ratio rises from 77.5% to 84.8%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€4k▼
2024 · €9k
Cash flow
€2k▼
2024 · €7k
Solvency
15.2%▼
2024 · 22.5%
Current ratio
0.65▼
2024 · 0.83
Quick ratio
0.49▼
2024 · 0.68
Debt / equity
5.58▲
2024 · 3.44
ROE
-69.3%▼
2024 · 17.2%
ROA
-10.5%▼
2024 · 3.9%
Interest coverage
1.86▼
2024 · 4.22
Debt
€34k▼
2024 · €36k
Debt ≤ 1 year
€25k▲
2024 · €23k
Debt > 1 year
€9k▼
2024 · €13k
Income taxes
€194▼
2024 · €2k
Staff costs
€11k▲
2024 · €8k
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€46k€41k▼
Fixed assets21/28€28k€24k▼
Tangible fixed assets22/27€24k€20k▼
Plant, machinery and equipment23€6k€7k▲
Furniture and vehicles24€657€456▼
Leasing and similar rights25€17k€13k▼
Financial fixed assets28€4k€4k=
Current assets29/58€19k€16k▼
Stocks and contracts in progress3€3k€4k▲
Stocks30/36€3k€4k▲
Amounts receivable within one year40/41€559€306▼
Trade receivables40€485€0▼
Other amounts receivable41€74€306▲
Cash at bank and in hand54/58€13k€10k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€46k€41k▼
Equity10/15€10k€6k▼
Contributions10/11€19k€19k=
Reserves13€20k€20k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€20k€20k=
Profit (loss) carried forward14€-28k€-32k▼
Amounts payable17/49€36k€34k▼
Amounts payable after more than one year17€13k€9k▼
Financial debts170/4€13k€9k▼
Amounts payable within one year42/48€23k€25k▲
Current portion of amounts payable after more than one year42€4k€4k▲
Trade debts44€9k€10k▲
Suppliers440/4€9k€10k▲
Advances received on contracts in progress46€1k€2k▲
Taxes, remuneration and social security45€9k€8k▼
Taxes450/3€4k€3k▼
Remuneration and social security454/9€5k€5k▲
Other amounts payable47/48€76€327▲
Accrued charges and deferred income492/3€42€42=
Income statement
Code20242025
Remuneration, social security and pensions62€8k€11k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€6k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€19k€17k▼
Operating profit (loss)9901€4k€-2k▼
Financial income75/76B€1k€299▼
Recurring financial income75€1k€299▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€3k€-4k▼
Income taxes67/77€2k€194▼
Profit (loss) for the period9904€2k€-4k▼
Profit (loss) for the period to be appropriated9905€2k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-28k€-32k▼
Profit (loss) brought forward from the previous period14P€-30k€-28k▲
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (11 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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
07-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €6k
Net result €6k after 3 loss-making years.
27-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €-5k
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
28-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
06-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
16-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
03-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
14-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2022
Didden Romina
CurrentDirector · since 01-07-2022
Schuurmans Annemie
CurrentDirector · since 01-07-2022
01-07-2022
Didden Romina: Appointed as Director
01-07-2022
Schuurmans Annemie: Appointed as Director
Location & real-estate footprint
Registered office, Bree · 1 establishment unit since 2006
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.
Hoogstraat 113960 BreeGround area
465 m²
Building footprint
206 m²
Volume, LiDAR
1,415 m³
Parcel 72004B0456/00E000, Flanders · tallest building 12.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ich & Dich
since 20062.154.516.191
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72004B0456/00E000 | Flanders | 465 m² | 1 · 206 m² | 12.0 m · 2 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.
Similar companies · same sector, comparable size
Silver Top Supermarkt
BE 0541.744.010
Antwerpen · Eq €6k
PEN1
BE 0777.562.490
Antwerpen · Eq €6k
HAGELKRUIS
BE 0715.539.997
Antwerpen · Eq €6k
ME GUSTA
BE 0879.572.640
Ukkel · Eq €6k
BEN TEAM SERVICES
BE 0733.552.305
Sint-Jans-Molenbeek · Eq €6k
Of 13,834 companies in sector 56301 we hold annual accounts for 4,806. 2,963 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-06-2006
Fiscal year end30-09
Activities, NACEBEL
56301Cafés and bars
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.