Turnover
≈ €420,000 estimated
The micro format states no turnover.
L'HOTE FROMAGER
Lifetime
1 annual account with figuresGross marginpeak €43,174 (2025)
€43,174
Resultpeak €7,003 (2025)
€7,003
Equitypeak €12,003 (2025)
€12,003
Debts
€139,360
Board2 names since 2025
2 directorsJORDANT Eric and 1 other
Documentsfilings and deeds
20-08-202620 days late
2025micro format
Incorporation 15-011 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsDebts
€139,360 92% of the balance sheet
Financial debts 21%Suppliers 64%Taxes and wages 6%Other 8%
Of this, €108,298 falls due within a year.
Starting capital
€5,000 500 shares
2025 accounts filed 20 days after the deadline
Checked score
67
Healthy
Financially stronger than 45% of micro companies in retail trade (NACE 47)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,273 companies (NACE 47, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
02-2026: 1.8%
03-2026: 1.8%● unchanged vs 02-2026
04-2026: 1.9%▲ +0.1 percentage points vs 03-2026
05-2026: 2.3%▲ +0.4 percentage points vs 04-2026
06-2026: 2.3%● unchanged vs 05-2026
07-2026: 2.6%▲ +0.3 percentage points vs 06-2026
08-2026: 2.8%▲ +0.2 percentage points vs 07-2026highest value
09-2026: 1.0%▼ -1.8 percentage points vs 08-2026
10-2026: 0.9%▼ -0.1 percentage points vs 09-2026lowest value
11-2026: 1.0%▲ +0.1 percentage points vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Founded in 2025
Equity €12,003 (7.9% of total assets)
Sector: Retail trade (NACE 47)
lowers risk
Liquidity: current ratio 1.06, cash €91,622
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 25% of them on solvency, 68% on liquidity and 43% on profitability.
The bankruptcy probability was computed on 05-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 514 companies had the same profile as L'HOTE FROMAGER has now. Each dot stands for 2 companies, two years later.
96.9%
were still trading
1.2%
stopped another way
1.8%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of L'HOTE FROMAGER itself: 1.0% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 514 companies, not a prediction for L'HOTE FROMAGER. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.06, below the usual 1.5. Short-term debt is 71.5% and cash 60.5% of total assets. 92.1% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 20 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
20 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1018654210
Incorporation
Founding capital of €5,000, 500 shares · Founder: JORDANT Eric · Appointments: JORDANT Eric (director) and LIEVENS Kim (director) · published on 15-01-2025 · Gazette deed
First establishment
Rue Joseph Wauters 46, Waremme
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| L'HOTE FROMAGER Liège | €151,363 | €43,174 | 7.9% | - |
| BAF INVEST Binche | €102,867 | €48,814 | 1.9% | 1 |
| Cheesy Spirit Jette | €197,422 | €57,845 | 40.2% | - |
| De Witte Lelie Heist-op-den-Berg | €195,510 | €63,884 | 35.4% | - |
| Verbruwel Beringen | €83,643 | €33,556 | 27.2% | - |
| Fromagerie des Essarts Charleroi | €125,708 | €31,893 | 24.8% | - |
| Ha-Ro Maldegem | €291,117 | €54,454 | 2.0% | - |
These companies have the same main activity as L'HOTE FROMAGER: retail trade (NACE 47271). They are comparable in size and age: total assets between €83,600 and €291,000, founded between 2022 and 2024.
Official details
Source: KBO- Status
- Active since 13-01-2025Normal situation
- Activity
- Retail tradeNACE 47271and 5 others
- Joint committee
- 201Independent retail · annual accounts 2025
- Establishment unit
- 2.368.711.8884300 Waremme, since 13-01-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 15-12-2025
Annual accounts 2025
- Total assets
- €151,363
- Employeeson 31-12-2025
- 1
- Filing
- Filed on 20-08-2026
Insights on L'HOTE FROMAGER
L'HOTE FROMAGER has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12,003 and a net result of €7,003.
Its solvency ranks better than 28% of 22,859 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about L'HOTE FROMAGER
- What is the company number of L'HOTE FROMAGER?
- The company number of L'HOTE FROMAGER is 1018.654.210. The VAT number is the same number with BE in front: BE 1018.654.210.
- Where is L'HOTE FROMAGER based?
- The registered office is at Rue des Ramiers 38, 4020 Liège.Company details
- What does L'HOTE FROMAGER do?
- According to the KBO register, the main activity is retail trade (NACE 47271).
- What is the legal form of L'HOTE FROMAGER?
- L'HOTE FROMAGER is a private limited company (BV).
- When was L'HOTE FROMAGER founded?
- L'HOTE FROMAGER was founded on 13-01-2025.
- Is L'HOTE FROMAGER still active?
- Yes, L'HOTE FROMAGER is an active enterprise in the KBO register.
- How many employees does L'HOTE FROMAGER have?
- L'HOTE FROMAGER had an average of 0.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does L'HOTE FROMAGER fall under?
- In its 2025 annual accounts, L'HOTE FROMAGER states joint committee 201 (Independent retail).
- What is the turnover of L'HOTE FROMAGER?
- The turnover in financial year 2025 is ≈ €420,000. This figure is estimated from the gross margin of €43,174 and 49 comparable companies (NACE 472). It probably lies between €240,000 and €690,000.
- Is L'HOTE FROMAGER profitable?
- In financial year 2025, L'HOTE FROMAGER made a profit of €7,003.
- Where can I find the annual accounts of L'HOTE FROMAGER?
- L'HOTE FROMAGER filed 1 annual account with the National Bank of Belgium, for financial year 2025.
Next steps
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