KAFÉ LOCAL
ActiveKAFÉ LOCAL has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €44k and a net result of €18k. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 79% of 13044 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+5
Growth78=
Stability100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 4.5 against 7.19 in 2024), and 35.5% 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
64.5%
Return on assets
26.9%
Age of the figures
8 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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
118 d early
2023
118 d early
2022
88 d early
2021
19 d late
2020
65 d early
2019
38 d early
← before the deadline
after the deadline →
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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€44k▲ 71.6%
2024 · €26k
2018: €14k
2019: €16k
2020: €15k
2021: €19k
2022: €7k
2023: €22k
2024: €26k
2018 → 2025
Total assets
€68k▲ 32.3%
2024 · €51k
2018: €24k
2019: €34k
2020: €26k
2021: €26k
2022: €17k
2023: €55k
2024: €51k
2018 → 2025
Net result
€18k▲ 217%
2024 · €6k
2018: €-2k
2019: €2k
2020: €-1k
2021: €3k
2022: €-11k
2023: €15k
2024: €6k
2018 → 2025
Working capital
€49k▲ 25.2%
2024 · €40k
2018: €11k
2019: €9k
2020: €10k
2021: €16k
2022: €10k
2023: €45k
2024: €40k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€7k▼ 60.6%€22k▲ 202%€26k▲ 15.8%€44k▲ 71.6%
Operating result€3k-€-10k€15k€5k▼ 67.3%€25k▲ 395%
Net result€3k-€-11k€15k€6k▼ 60.8%€18k▲ 217%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 395% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €68k
Fixed assets
€4k▼ 20.4%
Current assets
€64k▲ 38.6%
Equity and liabilities €68k
Equity
€44k▲ 71.6%
Debt
€24k▼ 6.7%
The debt ratio falls from 50.3% to 35.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€26k▲
2024 · €6k
Cash flow
€19k▲
2024 · €6k
Solvency
64.5%▲
2024 · 49.7%
Current ratio
4.50▼
2024 · 7.19
Quick ratio
3.98▼
2024 · 5.74
Debt / equity
0.55▼
2024 · 1.01
ROE
41.7%▲
2024 · 22.6%
ROA
26.9%▲
2024 · 11.2%
Interest coverage
207.67▲
2024 · 27.26
Debt
€24k▼
2024 · €26k
Debt ≤ 1 year
€14k▲
2024 · €6k
Income taxes
€8k▲
2024 · €805
Staff costs
€9k▲
2024 · €6k
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€51k€68k▲
Fixed assets21/28€6k€4k▼
Tangible fixed assets22/27€5k€4k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€1k€896▼
Financial fixed assets28€462€462=
Current assets29/58€46k€64k▲
Stocks and contracts in progress3€9k€7k▼
Stocks30/36€9k€7k▼
Amounts receivable within one year40/41€31k€27k▼
Other amounts receivable41€31k€27k▼
Cash at bank and in hand54/58€6k€29k▲
Deferred charges and accrued income490/1-€270
Equity and liabilities
Total equity and liabilities10/49€51k€68k▲
Equity10/15€26k€44k▲
Contributions10/11€6k€6k=
Reserves13€19k€38k▲
Distributable reserves133€19k€38k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€26k€24k▼
Amounts payable within one year42/48€6k€14k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€4k€11k▲
Taxes450/3€4k€11k▲
Other amounts payable47/48€1k€700▼
Accrued charges and deferred income492/3€19k€10k▼
Income statement
Code20242025
Non-recurring operating income76A-€4k
Remuneration, social security and pensions62€6k€9k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€574€1k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€12k€36k▲
Operating profit (loss)9901€5k€25k▲
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€203€124▼
Recurring financial charges65€203€124▼
Profit (loss) for the period before taxes9903€7k€26k▲
Income taxes67/77€805€8k▲
Profit (loss) for the period9904€6k€18k▲
Profit (loss) for the period to be appropriated9905€6k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€18k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€2k€0▼
Transfer to equity691/2€6k€18k▲
To other reserves6921€6k€18k▲
Profit to be distributed694/7€2k€0▼
Return on contributions (dividend)694€2k€0▼
The notes to these accounts (15 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €18k ▲217%
Operating result €25k, net result €18k, both a record.
04-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
04-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-11k ▼442%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
27-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-07
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, Koekelare · 1 establishment unit since 2010
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.
Sterrestraat 88680 KoekelareGround area
382 m²
Building footprint
178 m²
Volume, LiDAR
956 m³
Parcel 32010A1659/00F000, Flanders · tallest building 10.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Kafé Local
since 20102.187.007.629
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32010A1659/00F000 | Flanders | 382 m² | 1 · 178 m² | 10.6 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 siteKoekelare2.187.007.629
Similar companies · same sector, comparable size
APANAGE
BE 1013.191.130
Assesse · Eq €44k
PITAMBAR
BE 1017.633.136
Edegem · Eq €44k
Landmark Food
BE 0527.944.175
Durbuy · Eq €44k
HOTEL-RESTAURANT DE KLUIS
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FCT
BE 0832.627.313
Eeklo · Eq €44k
Of 20,234 companies in sector 56111 we hold annual accounts for 11,310. 9,654 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-02-2010
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56301Cafés and bars
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
81100Combined facilities support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 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.