KALOUMA
ActiveThe computed 12-month bankruptcy probability of KALOUMA is 2.4% (moderate). The 2025 annual accounts show negative equity (€-61k) and a net result of €-15k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 20% of 13090 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
33
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability23▼-31
Solvency8▼-4
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.2 against 0.27 in 2024; short-term debt: 38.3% and cash: 3.1% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight 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 →
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
-17.5%
Return on assets
-4.4%
Age of the figures
9 mo
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-61k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
34 d early
2023
22 d late
2022
25 d late
2021
31 d early
2020
2 d late
2019
2 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-61k▼ 33.2%
2024 · €-46k
2018: €-40k
2019: €-14k
2020: €11k
2021: €29k
2022: €-24k
2023: €-66k
2024: €-46k
2018 → 2025
Total assets
€350k▼ 3.8%
2024 · €364k
2018: €48k
2019: €47k
2020: €99k
2021: €116k
2022: €388k
2023: €371k
2024: €364k
2018 → 2025
Net result
€-15k
2024 · €20k
2018: €-14k
2019: €26k
2020: €25k
2021: €18k
2022: €-65k
2023: €-42k
2024: €20k
2018 → 2025
Working capital
€-107k▼ 27.1%
2024 · €-85k
2018: €-56k
2019: €-33k
2020: €-16k
2021: €8k
2022: €-51k
2023: €-98k
2024: €-85k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€29k-€-24k€-66k▼ 178%€-46k▲ 30.1%€-61k▼ 33.2%
Operating result€18k-€-62k€-27k▲ 56.4%€35k€-809
Net result€18k-€-65k€-42k▲ 35.1%€20k€-15k
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 €809 after €35k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €350k
Fixed assets
€323k▼ 2.6%
Current assets
€27k▼ 16.4%
Key figures and ratios
EBITDA
€16k▼
2024 · €53k
Cash flow
€2k▼
2024 · €38k
Solvency
-17.5%▼
2024 · -12.6%
Current ratio
0.20▼
2024 · 0.27
Quick ratio
0.16▼
2024 · 0.23
Debt / equity
-6.72▲
2024 · -8.92
ROA
-4.4%▼
2024 · 5.4%
Interest coverage
1.15▼
2024 · 3.42
Debt
€411k▲
2024 · €409k
Debt ≤ 1 year
€134k▲
2024 · €116k
Debt > 1 year
€277k▼
2024 · €293k
Income taxes
€218▲
2024 · €164
Staff costs
€102k▲
2024 · €90k
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€364k€350k▼
Fixed assets21/28€332k€323k▼
Tangible fixed assets22/27€331k€323k▼
Land and buildings22€316k€306k▼
Plant, machinery and equipment23€11k€14k▲
Furniture and vehicles24€5k€3k▼
Financial fixed assets28€265€265=
Current assets29/58€32k€27k▼
Stocks and contracts in progress3€5k€5k▲
Stocks30/36€5k€5k▲
Amounts receivable within one year40/41€6k€8k▲
Trade receivables40€4k€8k▲
Other amounts receivable41€1k€182▼
Cash at bank and in hand54/58€18k€11k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€364k€350k▼
Equity10/15€-46k€-61k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-65k€-80k▼
Amounts payable17/49€409k€411k▲
Amounts payable after more than one year17€293k€277k▼
Financial debts170/4€293k€277k▼
Amounts payable within one year42/48€116k€134k▲
Current portion of amounts payable after more than one year42€20k€16k▼
Trade debts44€49k€38k▼
Suppliers440/4€49k€38k▼
Taxes, remuneration and social security45€22k€17k▼
Taxes450/3€391€4k▲
Remuneration and social security454/9€21k€13k▼
Other amounts payable47/48€26k€62k▲
Income statement
Code20242025
Remuneration, social security and pensions62€90k€102k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€17k▼
Other operating charges640/8€3k€3k▼
Gross operating margin9900€147k€121k▼
Operating profit (loss)9901€35k€-809▼
Financial income75/76B€236€0▼
Recurring financial income75€236€0▼
Financial charges65/66B€16k€14k▼
Recurring financial charges65€16k€14k▼
Profit (loss) for the period before taxes9903€20k€-15k▼
Income taxes67/77€164€218▲
Profit (loss) for the period9904€20k€-15k▼
Profit (loss) for the period to be appropriated9905€20k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-65k€-80k▼
Profit (loss) brought forward from the previous period14P€-84k€-65k▲
The notes to these accounts (9 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €20k
Net result €20k after 2 loss-making years.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Weakest financial yearnet €-65k ▼469%
Net result drops to €-65k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 2 days late
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Fernelmont · 1 establishment unit since 2013
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.
Rue des Combattants, Nov. 355380 FernelmontGround area
389 m²
Building footprint
110 m²
Parcel 92096A0136/00H000, Wallonia. Linked by address, not a title deed.
1 establishment unit
LE GOUT DE MA PASSION
since 20132.221.532.897
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92096A0136/00H000 | Wallonia | 389 m² | 1 · 110 m² | - |
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 siteFernelmont2.221.532.897
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Of 7,508 companies in sector 56210 we hold annual accounts for 2,444. 1,935 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-07-2013
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56210Event catering
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47279Other retail sale of food
47299Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:dehertgregory@hotmail.com
Phone:0497/388859