Koffieman
ActiveThe computed 12-month bankruptcy probability of Koffieman is 2.2% (moderate). The 2025 annual accounts show equity of €3k and a net result of €85k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 23% of 18039 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
53
/ 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
Profitability100=
Solvency26▼-39
Growth58▼-20
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
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 · 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
1%
Return on assets
33.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 18039 sector peers (2025).
NBB · sector comparisonPosition among 18039 sector peers
Solvency
better than 23%
← weakest
strongest →
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 01-07-2026, 30 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
30 d early
2024
29 d late
2023
36 d early
2022
31 d late
2021
29 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k▼ 95.5%
2024 · €56k
2021: €21k
2022: €53k
2023: €81k
2024: €56k
2021 → 2025
Total assets
€252k▲ 82.6%
2024 · €138k
2021: €41k
2022: €102k
2023: €134k
2024: €138k
2021 → 2025
Net result
€85k▲ 51.7%
2024 · €56k
2021: €23k
2022: €32k
2023: €33k
2024: €56k
2021 → 2025
Working capital
€-75k
2024 · €7k
2021: €18k
2022: €20k
2023: €40k
2024: €7k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€21k-€53k▲ 154%€81k▲ 53.0%€56k▼ 31.1%€3k▼ 95.5%
Operating result€29k-€41k▲ 41.8%€42k▲ 2.4%€79k▲ 86.5%€119k▲ 50.9%
Net result€23k-€32k▲ 37.1%€33k▲ 3.2%€56k▲ 70.2%€85k▲ 51.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 51% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €252k
Fixed assets
€165k▲ 100%
Current assets
€87k▲ 56.4%
Equity and liabilities €252k
Equity
€3k▼ 95.5%
Debt
€249k▲ 203%
The debt ratio rises from 59.7% to 99.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€162k▲
2024 · €113k
Cash flow
€127k▲
2024 · €90k
Solvency
1.0%▼
2024 · 40.3%
Current ratio
0.54▼
2024 · 1.15
Quick ratio
0.54▼
2024 · 1.15
Debt / equity
99.76▲
2024 · 1.48
ROA
33.8%▼
2024 · 40.7%
Interest coverage
17.54▼
2024 · 21.00
Debt
€249k▲
2024 · €82k
Debt ≤ 1 year
€162k▲
2024 · €48k
Debt > 1 year
€85k▲
2024 · €34k
Income taxes
€25k▲
2024 · €18k
Staff costs
€43k▲
2024 · €32k
A ratio outside any meaningful range has been withheld (balance sheet total €252k, equity €3k).
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€138k€252k▲
Fixed assets21/28€82k€165k▲
Tangible fixed assets22/27€82k€165k▲
Plant, machinery and equipment23€40k€45k▲
Furniture and vehicles24€31k€16k▼
Leasing and similar rights25€12k€105k▲
Current assets29/58€56k€87k▲
Amounts receivable within one year40/41€25k€31k▲
Trade receivables40€23k€31k▲
Other amounts receivable41€2k-
Cash at bank and in hand54/58€31k€56k▲
Equity and liabilities
Total equity and liabilities10/49€138k€252k▲
Equity10/15€56k€3k▼
Contributions10/11€3k€3k=
Reserves13€53k-
Distributable reserves133€53k-
Amounts payable17/49€82k€249k▲
Amounts payable after more than one year17€34k€85k▲
Financial debts170/4€34k€85k▲
Amounts payable within one year42/48€48k€162k▲
Current portion of amounts payable after more than one year42€33k€64k▲
Trade debts44€6k€123▼
Suppliers440/4€6k€123▼
Taxes, remuneration and social security45€7k€24k▲
Taxes450/3€4k€21k▲
Remuneration and social security454/9€3k€4k▲
Other amounts payable47/48€3k€73k▲
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Remuneration, social security and pensions62€32k€43k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€42k▲
Other operating charges640/8€1k€3k▲
Gross operating margin9900€146k€207k▲
Operating profit (loss)9901€79k€119k▲
Financial income75/76B€29€42▲
Recurring financial income75€29€42▲
Financial charges65/66B€5k€9k▲
Recurring financial charges65€5k€9k▲
Profit (loss) for the period before taxes9903€74k€110k▲
Income taxes67/77€18k€25k▲
Profit (loss) for the period9904€56k€85k▲
Profit (loss) for the period to be appropriated9905€56k€85k▲
Appropriation of the result
Profit (loss) to be appropriated9906€56k€85k▲
Transfer from equity791/2€78k€53k▼
Transfer to equity691/2€53k-
To other reserves6921€53k-
Profit to be distributed694/7€81k€138k▲
Return on contributions (dividend)694€78k€134k▲
Directors or managers695€3k€4k▲
The notes to these accounts (6 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €85k ▲51.7%
Operating result €119k, net result €85k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
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, Sint-Katelijne-Waver · 2 establishment units 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.
Duivelshoek 102861 Sint-Katelijne-WaverGround area
634 m²
Building footprint
357 m²
Volume, LiDAR
1,740 m³
2 parcels, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Koffieman
since 20212.319.009.088
Koffieman
since 20212.319.009.187
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12027D0357/00E000 | Flanders | 380 m² | 1 · 231 m² | 10.2 m · 2 fl. |
| 12322I0391/00Z002 | Flanders | 254 m² | 1 · 126 m² | 5.9 m · 1 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 siteHeist-op-den-Berg2.319.009.088
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BE 0720.934.286
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Daily Grind Coffee
BE 1001.537.173
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DARF
BE 0551.931.681
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Of 2,476 companies in sector 47279 we hold annual accounts for 948. 277 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-06-2021
Fiscal year end31-12
Activities, NACEBEL
47279Other retail sale of food
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47990Retail trade
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.