José
ActiveSummary
The computed 12-month bankruptcy probability of José is 4.6% (elevated). The annual accounts of José for fiscal year 2025 show a net loss of 58% of the equity at the start of that year. The 2025 annual accounts show equity of €7k and a net result of €-9k. Equity is shrinking by ~27.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 40% of 13305 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
32
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency44▼-11
Growth32=
Track record94
Bankruptcy probability, 12 months
4.6%
Elevated
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.04 against 1.23 in 2024; short-term debt: 81.3% and cash: 28.1% of total assets), and 81.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
18.7%
Return on assets
-25.6%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
7 d early
2024
3 d early
2023
4 d early
2022
1 d early
2021
20 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€7k▼ 57.7%
2024 · €15k
2021: €25k
2022: €14k
2023: €-197
2024: €15k
2021 → 2025
Total assets
€35k▼ 31.9%
2024 · €51k
2021: €67k
2022: €66k
2023: €27k
2024: €51k
2021 → 2025
Net result
€-9k
2024 · €16k
2021: €21k
2022: €-11k
2023: €-14k
2024: €16k
2021 → 2025
Working capital
€1k▼ 85.2%
2024 · €8k
2021: €23k
2022: €10k
2023: €-10k
2024: €8k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€25k-€14k▼ 43.0%€-197€15k€7k▼ 57.7%
Operating result€4k-€-10k€-14k▼ 42.0%€16k€-9k
Net result€21k-€-11k€-14k▼ 34.5%€16k€-9k
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 €9k after €16k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €35k
Fixed assets
€5k ▼ 27.4%
Current assets
€30k ▼ 32.6%
Equity and liabilities €35k
Equity
€7k ▼ 57.7%
Debt
€28k ▼ 20.7%
Debt's share of the balance-sheet total rises from 69.8% to 81.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-7k▼
2024 · €18k
Cash flow
€-7k▼
2024 · €18k
Current ratio
1.04▼
2024 · 1.23
Debt to equity
4.34▲
2024 · 2.32
ROE
-136.6%▼
2024 · 101.3%
ROA
-25.6%▼
2024 · 30.5%
Interest coverage
-29.68▼
2024 · 62.10
Debt ≤ 1 year
€28k▼
2024 · €36k
Staff costs
€98k▲
2024 · €93k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€51k€35k▼
Fixed assets21/28€7k€5k▼
Tangible fixed assets22/27€6k€4k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€1k€547▼
Financial fixed assets28€1k€1k=
Current assets29/58€44k€30k▼
Amounts receivable within one year40/41€3k€20k▲
Trade receivables40€347€17k▲
Other amounts receivable41€3k€2k▼
Cash at bank and in hand54/58€41k€10k▼
Equity and liabilities
Total equity and liabilities10/49€51k€35k▼
Equity10/15€15k€7k▼
Contributions10/11€4k€4k=
Profit (loss) carried forward14€11k€3k▼
Amounts payable17/49€36k€28k▼
Amounts payable within one year42/48€36k€28k▼
Trade debts44€8k€5k▼
Suppliers440/4€8k€5k▼
Taxes, remuneration and social security45€21k€16k▼
Taxes450/3€15k€11k▼
Remuneration and social security454/9€5k€5k▼
Other amounts payable47/48€7k€7k▼
Income statement
Code20242025
Remuneration, social security and pensions62€93k€98k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Other operating charges640/8€7k€6k▼
Gross operating margin9900€118k€97k▼
Operating profit (loss)9901€16k€-9k▼
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€289€225▼
Recurring financial charges65€289€225▼
Profit (loss) for the period before taxes9903€16k€-9k▼
Profit (loss) for the period9904€16k€-9k▼
Profit (loss) for the period to be appropriated9905€16k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€3k▼
Profit (loss) brought forward from the previous period14P€-4k€11k▲
The notes to these accounts (5 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €16k
Net result €16k after 2 loss-making years.
27-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro 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, Hove · 1 establishment unit since 2020
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.
Sint Laureysplein 8/12540 HoveGround area
2,444 m²
Building footprint
318 m²
Volume, LiDAR
1,993 m³
2 parcels, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Den Drijhoek
since 20202.308.137.863
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11021B0200/00D000 | Flanders | 2,026 m² | 1 · 134 m² | 7.7 m · 2 fl. |
| 11021A0181/00M000 | Flanders | 418 m² | 1 · 185 m² | 9.2 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
1 siteHove2.308.137.863
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INGE DEBRABANDERE
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BE 0728.869.381
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Of 14,018 companies in sector 56301 we hold annual accounts for 4,891. 3,081 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-09-2020
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
56111Full-service restaurants
82300Organisation of conventions and trade shows
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:geeraerts.gert@hotmail.com