La Cafett'
ActiveThe computed 12-month bankruptcy probability of La Cafett' is 3.5% (moderate). The 2025 annual accounts show equity of €26k and a net result of €20k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 40% of 13159 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+6
Solvency44▲+14
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
3.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.21 against 1.02 in 2024; short-term debt: 80.7% and cash: 94% of total assets), and 80.7% of the assets are financed with debt.
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 · 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
19.3%
Return on assets
15.1%
Age of the figures
12 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €26k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-03-2026, 38 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
38 d early
2024
37 d early
2023
42 d early
2022
14 d early
2021
33 d early
2020
29 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€26k▲ 357%
2024 · €6k
2020: €9k
2021: €30k
2022: €61k
2023: €6k
2024: €6k
2020 → 2025
Total assets
€132k▲ 27.5%
2024 · €104k
2020: €27k
2021: €60k
2022: €91k
2023: €98k
2024: €104k
2020 → 2025
Net result
€20k▲ 160%
2024 · €8k
2020: €6k
2021: €21k
2022: €32k
2023: €8k
2024: €8k
2020 → 2025
Working capital
€23k▲ 1,134%
2024 · €2k
2020: €5k
2021: €18k
2022: €49k
2023: €-3k
2024: €2k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€30k-€61k▲ 107%€6k▼ 90.9%€6k=€26k▲ 357%
Operating result€24k-€41k▲ 72.7%€11k▼ 72.7%€15k▲ 34.8%€36k▲ 136%
Net result€21k-€32k▲ 50.4%€8k▼ 75.9%€8k▲ 0.2%€20k▲ 160%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 136% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €132k
Fixed assets
€3k▼ 31.1%
Current assets
€130k▲ 29.7%
Equity and liabilities €132k
Equity
€26k▲ 357%
Debt
€107k▲ 8.7%
The debt ratio falls from 94.6% to 80.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€37k▲
2024 · €20k
Cash flow
€21k▲
2024 · €13k
Solvency
19.3%▲
2024 · 5.4%
Current ratio
1.21▲
2024 · 1.02
Quick ratio
1.18▲
2024 · 0.89
Debt / equity
4.19▼
2024 · 17.58
ROE
78.1%▼
2024 · 137.4%
ROA
15.1%▲
2024 · 7.4%
Interest coverage
4.80▼
2024 · 5.24
Debt
€107k▲
2024 · €98k
Debt ≤ 1 year
€107k▲
2024 · €98k
Income taxes
€8k▲
2024 · €4k
Staff costs
€47k▼
2024 · €55k
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€104k€132k▲
Fixed assets21/28€4k€3k▼
Tangible fixed assets22/27€2k€817▼
Plant, machinery and equipment23€1k€817▼
Furniture and vehicles24€669-
Financial fixed assets28€2k€2k=
Current assets29/58€100k€130k▲
Stocks and contracts in progress3€13k€4k▼
Stocks30/36€13k€4k▼
Amounts receivable within one year40/41€4k€2k▼
Trade receivables40€510-
Other amounts receivable41€3k€2k▼
Cash at bank and in hand54/58€84k€124k▲
Equity and liabilities
Total equity and liabilities10/49€104k€132k▲
Equity10/15€6k€26k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€3k€23k▲
Amounts payable17/49€98k€107k▲
Amounts payable within one year42/48€98k€107k▲
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€11k€16k▲
Taxes450/3€8k€16k▲
Remuneration and social security454/9€4k-
Other amounts payable47/48€85k€89k▲
Income statement
Code20242025
Remuneration, social security and pensions62€55k€47k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€1k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€78k€86k▲
Operating profit (loss)9901€15k€36k▲
Financial income75/76B€14€0▼
Recurring financial income75€14€0▼
Financial charges65/66B€4k€8k▲
Recurring financial charges65€4k€8k▲
Profit (loss) for the period before taxes9903€11k€28k▲
Income taxes67/77€4k€8k▲
Profit (loss) for the period9904€8k€20k▲
Profit (loss) for the period to be appropriated9905€8k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€23k▲
Profit (loss) brought forward from the previous period14P€3k€3k=
Profit to be distributed694/7€8k-
Return on contributions (dividend)694€8k-
The notes to these accounts (5 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
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €32k ▲50.4%
Operating result €41k, net result €32k, both a record.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Celles (lez-Tournai) · 1 establishment unit since 2019
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.
Place de Molenbaix (MOL) 87760 Celles (lez-Tournai)Ground area
1,255 m²
Building footprint
229 m²
Volume, LiDAR
1,559 m³
2 parcels, Wallonia · tallest building 9.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
La Cafett'
since 20192.293.912.814
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57018C0072/00B003 | Wallonia | 1,152 m² | 1 · 125 m² | 8.3 m · 2 fl. |
| 57054C0538/00W000 | Wallonia | 103 m² | 1 · 104 m² | 9.3 m · 3 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 siteCelles (Ht.)2.293.912.814
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,784. 8,305 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-09-2019
Fiscal year end30-09
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.