L'EXCEL
ActiveThe computed 12-month bankruptcy probability of L'EXCEL is 3.9% (moderate). The 2025 annual accounts show equity of €52k and a net result of €51k. Its solvency ranks better than 42% of 13009 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
76
/ 100
Excellent▲ +66 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency32▲+20
Growth78
Stability82
Bankruptcy probability, 12 months
3.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.2 against 0.99 in 2024), and 79% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · Young company
A young company has little track record yet and statistically fails more often than an established 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
21%
Return on assets
20.4%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 2 filingsDeviation from the deadline
2025
31 d late
2024
120 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€52k▲ 3,940%
2024 · €1k
2024: €1k
2024 → 2025
Total assets
€250k▲ 67.6%
2024 · €149k
2024: €149k
2024 → 2025
Net result
€51k
2024 · €-2k
2024: €-2k
2024 → 2025
Working capital
€40k
2024 · €-993
2024: €-993
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€1k-€52k▲ 3,940%
Operating result€5k-€70k▲ 1,196%
Net result€-2k-€51k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 1,196% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €250k
Fixed assets
€12k▲ 336%
Current assets
€238k▲ 62.6%
Equity and liabilities €250k
Equity
€52k▲ 3,940%
Debt
€198k▲ 33.6%
The debt ratio falls from 99.1% to 79.0%: equity grows faster than debt.
Key figures and ratios
EBITDA
€73k▲
2024 · €6k
Cash flow
€54k▲
2024 · €-1k
Solvency
21.0%▲
2024 · 0.9%
Current ratio
1.20▲
2024 · 0.99
Quick ratio
1.15▲
2024 · 0.91
Debt / equity
3.77
ROE
97.5%▲
2024 · -131.1%
ROA
20.4%▲
2024 · -1.1%
Interest coverage
12.06▲
2024 · 0.82
Debt
€198k▲
2024 · €148k
Debt ≤ 1 year
€198k▲
2024 · €147k
Income taxes
€13k▲
2024 · €166
Staff costs
€261k▲
2024 · €223k
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€149k€250k▲
Fixed assets21/28€3k€12k▲
Tangible fixed assets22/27€2k€12k▲
Plant, machinery and equipment23€2k€9k▲
Furniture and vehicles24-€3k
Financial fixed assets28€363€363=
Current assets29/58€146k€238k▲
Stocks and contracts in progress3€12k€11k▼
Stocks30/36€12k€11k▼
Amounts receivable within one year40/41€100k€126k▲
Trade receivables40€33k€65k▲
Other amounts receivable41€67k€60k▼
Cash at bank and in hand54/58€32k€98k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€149k€250k▲
Equity10/15€1k€52k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€-2k€49k▲
Amounts payable17/49€148k€198k▲
Amounts payable within one year42/48€147k€198k▲
Trade debts44€101k€117k▲
Suppliers440/4€101k€117k▲
Taxes, remuneration and social security45€43k€72k▲
Taxes450/3€20k€41k▲
Remuneration and social security454/9€23k€31k▲
Other amounts payable47/48€4k€10k▲
Accrued charges and deferred income492/3€473-
Income statement
Code20242025
Remuneration, social security and pensions62€223k€261k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€380€3k▲
Other operating charges640/8€1k€7k▲
Gross operating margin9900€230k€341k▲
Operating profit (loss)9901€5k€70k▲
Financial income75/76B€81€102▲
Recurring financial income75€81€102▲
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€-2k€64k▲
Income taxes67/77€166€13k▲
Profit (loss) for the period9904€-2k€51k▲
Profit (loss) for the period to be appropriated9905€-2k€51k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€49k▲
Profit (loss) brought forward from the previous period14P-€-2k
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €51k
Net result €51k after one loss-making year.
28-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 120 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2024
Aarab Jamal
CurrentDirector · since 23-07-2024
23-07-2024
Appointed as Director
Location & real-estate footprint
Registered office, Mons · 1 establishment unit since 2024
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.
Grand-Place 297000 MonsGround area
119 m²
Building footprint
63 m²
Volume, LiDAR
920 m³
Parcel 53403E0241/00B000, Wallonia · tallest building 16.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
L'EXCEL
since 20242.355.094.870
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53403E0241/00B000 ProtectedMonument |
Wallonia | 119 m² | 1 · 63 m² | 16.5 m · 5 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 siteMons2.355.094.870
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Of 20,234 companies in sector 56111 we hold annual accounts for 11,310. 9,701 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-01-2024
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56220Contract catering and other food service activities
56290Food and beverage service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:secretariathacourt@gmail.com