L'ORME
ActiveSummary
The computed 12-month bankruptcy probability of L'ORME is 3.5% (moderate). The 2025 annual accounts show equity of €78k and a net result of €24k. Equity is growing by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 55% of 13305 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+10
Solvency61▼-9
Growth52=
Track record94
Bankruptcy probability, 12 months
3.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 1.78 against 2.44 in 2024; short-term debt: 40.5% and cash: 68.6% of total assets), but 64.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 · 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
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
35.6%
Return on assets
11.1%
Age of the figures
9 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 20-04-2026, 102 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
102 d early
2024
20 d early
2023
26 d early
2022
17 d early
2021
13 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€78k▼ 11.0%
2024 · €88k
2021: €47k
2022: €67k
2023: €103k
2024: €88k
2021 → 2025
Total assets
€220k▲ 13.7%
2024 · €193k
2021: €143k
2022: €164k
2023: €224k
2024: €193k
2021 → 2025
Net result
€24k▲ 146%
2024 · €10k
2021: €37k
2022: €20k
2023: €36k
2024: €10k
2021 → 2025
Working capital
€69k▼ 2.8%
2024 · €71k
2021: €-9k
2022: €12k
2023: €77k
2024: €71k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€47k-€67k▲ 42.6%€103k▲ 53.0%€88k▼ 14.7%€78k▼ 11.0%
Operating result€46k-€27k▼ 40.5%€47k▲ 71.4%€17k▼ 63.9%€37k▲ 118%
Net result€37k-€20k▼ 45.9%€36k▲ 77.4%€10k▼ 72.3%€24k▲ 146%
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 118% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €220k
Fixed assets
€62k ▼ 15.6%
Current assets
€158k ▲ 31.4%
Equity and liabilities €220k
Equity
€78k ▼ 11.0%
Debt
€141k ▲ 34.2%
Debt's share of the balance-sheet total rises from 54.5% to 64.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€48k▲
2024 · €28k
Cash flow
€36k▲
2024 · €21k
Current ratio
1.78▼
2024 · 2.44
Quick ratio
1.75▼
2024 · 2.39
Debt to equity
1.81▲
2024 · 1.20
ROE
31.1%▲
2024 · 11.3%
ROA
11.1%▲
2024 · 5.1%
Interest coverage
12.37▲
2024 · 5.77
Debt ≤ 1 year
€89k▲
2024 · €49k
Debt > 1 year
€49k▼
2024 · €51k
Income taxes
€9k▲
2024 · €3k
Staff costs
€89k▲
2024 · €85k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€193k€220k▲
Fixed assets21/28€73k€62k▼
Intangible fixed assets21€35k€29k▼
Tangible fixed assets22/27€38k€32k▼
Land and buildings22€37k€31k▼
Plant, machinery and equipment23€1k€877▼
Financial fixed assets28€325€325=
Current assets29/58€120k€158k▲
Stocks and contracts in progress3€3k€3k=
Stocks30/36€3k€3k=
Amounts receivable within one year40/41€7k€3k▼
Trade receivables40-€1k
Other amounts receivable41€7k€2k▼
Cash at bank and in hand54/58€108k€151k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€193k€220k▲
Equity10/15€88k€78k▼
Contributions10/11€10k€10k=
Reserves13€57k€68k▲
Distributable reserves133€57k€68k▲
Profit (loss) carried forward14€21k€0▼
Amounts payable17/49€105k€141k▲
Amounts payable after more than one year17€51k€49k▼
Financial debts170/4€51k€49k▼
Amounts payable within one year42/48€49k€89k▲
Trade debts44€13k€11k▼
Suppliers440/4€13k€11k▼
Taxes, remuneration and social security45€30k€38k▲
Taxes450/3€17k€24k▲
Remuneration and social security454/9€13k€15k▲
Other amounts payable47/48€6k€40k▲
Accrued charges and deferred income492/3€5k€4k▼
Income statement
Code20242025
Remuneration, social security and pensions62€85k€89k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▼
Other operating charges640/8€810€493▼
Gross operating margin9900€114k€138k▲
Operating profit (loss)9901€17k€37k▲
Financial income75/76B€441€459▲
Recurring financial income75€441€459▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€13k€34k▲
Income taxes67/77€3k€9k▲
Profit (loss) for the period9904€10k€24k▲
Profit (loss) for the period to be appropriated9905€10k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€46k€45k▼
Profit (loss) brought forward from the previous period14P€36k€21k▼
Transfer from equity791/2-€13k
Transfer to equity691/2-€24k
To other reserves6921-€24k
Profit to be distributed694/7€25k€34k▲
Return on contributions (dividend)694€25k€34k▲
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
20-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €10k ▼72.3%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €103k ▲53%
3 profitable years in a row build equity to €103k.
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Aywaille · 1 establishment unit since 2020
Ground area
147 m²
Building footprint
126 m²
Parcel 62009A1124/00E000, Wallonia. Linked by address, not a title deed.
1 establishment unit
L'ORME
since 20202.309.023.038
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62009A1124/00E000 | Wallonia | 147 m² | 1 · 126 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 siteAywaille2.309.023.038
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Of 14,018 companies in sector 56301 we hold annual accounts for 4,891. 3,861 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-09-2020
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:brasserieorme@yahoo.com