Skip to content

La Cave du Fromager

Active
Private limited companyfounded 2018active for 7 yearsSedoz 49, 4920 Aywaille, BelgiumKBO/BCE: BE 0714.897.522
Summary

La Cave du Fromager has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €72,857 and a net result of €3,674. Equity has been growing by about 14% per year since 2019. Its solvency ranks better than 37% of 22,773 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.9% (low).

Overview

Official details

Source: KBO
Status
Active since 29-11-2018 Normal situation
Activity
Retail trade NACE 47271and 1 other
Joint committees
201 Paritair Comité voor de zelfstandige kleinhandel
119 Paritair Comité voor de handel in voedingswaren · annual accounts 2023
Establishment units
2.294.189.362 4920 Aywaille, since 29-11-2018
2.300.028.366 4920 Aywaille, since 01-03-2020
Financial year end
31 December
Peppol
Reachable since 14-10-2025

Board and ownership

Board

Financial position

67 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
0.9%
Annual accounts 2025
Gross margin
€78,072
▼ 5.7%
Turnover
≈ €600,000
estimated
Profit
€3,674
▼ 32.2%
Equity
€72,857
▼ 23.1%
Total assets
€405,346
▼ 4.5%
Staff
≈ 0.7 FTE
estimated
  • 2025 accounts filed 31 days after the deadline
Score breakdownraises riskLast filed accounts filed 31 days late; 1 of the last 3 accounts lateSector: Retail trade (NACE 47)Equity €72,857 (18.0% of total assets)lowers riskLiquidity: current ratio 1.36, cash €164,427Show the evidence

Checked score

Score 2025
67 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 47% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Strong
Solvency 43-4
equity 18.0% of total assets
Liquidity 83+4
short-term debt 37.4% · cash 40.6%
Profitability 70=
return on assets 0.9%
Bankruptcy probability within 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%

About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,272 companies, NACE 47, micro)
Last 24 months 12-2024: 0.4% 01-2025: 0.4%● unchanged vs 12-2024 02-2025: 0.4%● unchanged vs 01-2025 03-2025: 0.4%● unchanged vs 02-2025 04-2025: 0.4%● unchanged vs 03-2025 05-2025: 0.4%● unchanged vs 04-2025 06-2025: 0.4%● unchanged vs 05-2025 07-2025: 0.5%▲ +0.1 percentage points vs 06-2025 08-2025: 0.9%▲ +0.4 percentage points vs 07-2025 09-2025: 0.4%▼ -0.5 percentage points vs 08-2025lowest value 10-2025: 0.4%● unchanged vs 09-2025 11-2025: 0.4%● unchanged vs 10-2025 12-2025: 0.4%● unchanged vs 11-2025 01-2026: 0.4%● unchanged vs 12-2025 02-2026: 0.4%● unchanged vs 01-2026 03-2026: 0.4%● unchanged vs 02-2026 04-2026: 0.4%● unchanged vs 03-2026 05-2026: 0.4%● unchanged vs 04-2026 06-2026: 0.4%● unchanged vs 05-2026 07-2026: 0.5%▲ +0.1 percentage points vs 06-2026 08-2026: 0.8%▲ +0.3 percentage points vs 07-2026 09-2026: 0.9%▲ +0.1 percentage points vs 08-2026highest value 10-2026: 0.9%● unchanged vs 09-2026highest value 11-2026: 0.9%● unchanged vs 10-2026highest value
Credit of up to €4,500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.36 (1.48 in 2024), below the usual 1.5. Short-term debt is 37.4% and cash 40.6% of total assets. 82% of the assets are financed with debt and provisions.
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 34% of them on solvency, 86% on liquidity, 51% on profitability and 18% on growth.

The bankruptcy probability was computed on 02-11-2026 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.

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).

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 · Last filed accounts filed 31 days late; 1 of the last 3 accounts late
NBB · filings
raises risk · Sector: Retail trade (NACE 47)
KBO
lowers risk · Liquidity: current ratio 1.36, cash €164,427
NBB · annual accounts
raises risk · Equity €72,857 (18.0% of total assets)
NBB · annual accounts
raises risk · 2025 accounts filed 31 days late
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. 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 · 7 filings
Deviation from the deadline
2025
31 days late
2024
29 days late
2023
1 day late
2022
4 days late
2021
22 days late
2020
26 days late
2019
30 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 12 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 22 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: 7 profitable years in a rowprofit 2025: €3,674 7 years View

Recent changes

  1. · Gazette deed Reappointment: WILKIN Denis Jean Jacques (director)
  2. · Gazette deed Incorporation
All 11 events

Comparable companies

These companies have the same main activity as La Cave du Fromager: retail trade (NACE 47271). They are comparable in size and age: total assets between €319,000 and €605,000, founded between 2014 and 2021.

CompanyTotal assetsGross margin
La Cave du Fromager Aywaille€405,346€78,072
ZANDERS EN MEULEMEESTER Lokeren€452,018€71,281
STUDIO SI Waregem€552,281€69,152
La Cabanière Sombreffe€318,679€116,500
KAASHANDEL FORMENT Hemiksem€339,808€51,746
Kazerie De Kaasbrug Antwerpen€361,034€124,118
AGLAVE-MEURIN Sint-Lambrechts-Woluwe€604,906€91,736
Full comparison

Key facts about La Cave du Fromager

What is the company number of La Cave du Fromager?
The company number of La Cave du Fromager is 0714.897.522. The VAT number is the same number with BE in front: BE 0714.897.522.
Where is La Cave du Fromager based?
The registered office is at Sedoz 49, 4920 Aywaille.Company details
What does La Cave du Fromager do?
According to the KBO register, the main activity is retail trade (NACE 47271).
What is the legal form of La Cave du Fromager?
The legal form of La Cave du Fromager is Private limited company (BV).
When was La Cave du Fromager founded?
La Cave du Fromager was founded on 29-11-2018.
Is La Cave du Fromager still active?
Yes, La Cave du Fromager is an active enterprise in the KBO register.
How many employees does La Cave du Fromager have?
La Cave du Fromager had an average of 0.7 full-time equivalents in financial year 2023, according to the filed annual accounts.Financials
Which joint committee does La Cave du Fromager fall under?
In its 2023 annual accounts, La Cave du Fromager states joint committees 201 (Paritair Comité voor de zelfstandige kleinhandel) and 119 (Paritair Comité voor de handel in voedingswaren).
What is the turnover of La Cave du Fromager?
The turnover in financial year 2025 is ≈ €600,000. This figure is estimated from the gross margin of €78,072 and 45 comparable companies (NACE 472). It probably lies between €330,000 and €800,000.
Is La Cave du Fromager profitable?
In financial year 2025, La Cave du Fromager made a profit of €3,674.
Where can I find the annual accounts of La Cave du Fromager?
La Cave du Fromager filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of La Cave du Fromager due?
La Cave du Fromager must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Next steps

See how customers, suppliers and banks see your own company and what to improve first.

Keep this company with today's facts in a case file.