la schtouff
Activela schtouff has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13k and a net result of €4k. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 35% of 3616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
81
/ 100
Excellent▲ +58 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency35▲+24
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.61 against 0.54 in 2024), but 84.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 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 · 10 filingsDeviation from the deadline
2025
21 d late
2024
27 d early
2023
13 d late
2022
18 d late
2021
39 d early
2020
12 d late
2019
19 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€13k▲ 44.7%
2024 · €9k
2018: €14k
2019: €10k
2020: €11k
2021: €30k
2022: €29k
2023: €16k
2024: €9k
2018 → 2025
Total assets
€83k▲ 49.2%
2024 · €55k
2018: €45k
2019: €42k
2020: €45k
2021: €50k
2022: €81k
2023: €63k
2024: €55k
2018 → 2025
Net result
€4k
2024 · €-7k
2018: €2k
2019: €-4k
2020: €690
2021: €20k
2022: €-1k
2023: €-13k
2024: €-7k
2018 → 2025
Working capital
€12k
2024 · €-20k
2018: €5k
2019: €-12k
2020: €-2k
2021: €14k
2022: €-12k
2023: €-18k
2024: €-20k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€30k-€29k▼ 4.4%€16k▼ 46.3%€9k▼ 43.4%€13k▲ 44.7%
Operating result€22k-€341▼ 98.4%€-11k€-4k▲ 64.0%€7k
Net result€20k-€-1k€-13k▼ 901%€-7k▲ 49.8%€4k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €7k after a loss of €4k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €83k
Fixed assets
€51k▲ 57.6%
Current assets
€32k▲ 37.5%
Equity and liabilities €83k
Equity
€13k▲ 44.7%
Debt
€70k▲ 50.1%
The debt ratio rises from 84.0% to 84.5%: debt grows faster than equity.
Key figures and ratios
EBITDA
€21k▲
2024 · €9k
Cash flow
€18k▲
2024 · €6k
Solvency
15.5%▼
2024 · 16.0%
Current ratio
1.61▲
2024 · 0.54
Quick ratio
1.34▲
2024 · 0.45
Debt / equity
5.45▲
2024 · 5.25
ROE
30.9%▲
2024 · -76.5%
ROA
4.8%▲
2024 · -12.2%
Interest coverage
8.10▲
2024 · 2.98
Debt
€70k▲
2024 · €46k
Debt ≤ 1 year
€20k▼
2024 · €43k
Debt > 1 year
€50k▲
2024 · €3k
Income taxes
€277▼
2024 · €284
Staff costs
€74k▲
2024 · €67k
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€55k€83k▲
Fixed assets21/28€32k€51k▲
Tangible fixed assets22/27€32k€50k▲
Plant, machinery and equipment23€12k€38k▲
Furniture and vehicles24€2k€1k▼
Leasing and similar rights25€17k€11k▼
Financial fixed assets28€567€567=
Current assets29/58€23k€32k▲
Amounts receivable after more than one year29€11k€11k=
Other amounts receivable291€11k€11k=
Stocks and contracts in progress3€4k€5k▲
Stocks30/36€4k€5k▲
Amounts receivable within one year40/41€7k€8k▲
Trade receivables40€2k€2k▲
Other amounts receivable41€5k€6k▲
Cash at bank and in hand54/58-€7k
Deferred charges and accrued income490/1€1k€828▼
Equity and liabilities
Total equity and liabilities10/49€55k€83k▲
Equity10/15€9k€13k▲
Reserves13€17k€17k=
Non-distributable reserves130/1€17k€17k=
Reserves not available under the articles1311€17k€17k=
Profit (loss) carried forward14€-8k€-4k▲
Amounts payable17/49€46k€70k▲
Amounts payable after more than one year17€3k€50k▲
Financial debts170/4€3k€50k▲
Amounts payable within one year42/48€43k€20k▼
Current portion of amounts payable after more than one year42€17k€5k▼
Financial debts43€1k-
Credit institutions430/8€1k-
Trade debts44€9k€7k▼
Suppliers440/4€9k€7k▼
Taxes, remuneration and social security45€17k€7k▼
Taxes450/3€13k€4k▼
Remuneration and social security454/9€3k€3k▼
Income statement
Code20242025
Remuneration, social security and pensions62€67k€74k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€14k▲
Other operating charges640/8€4k€4k▼
Gross operating margin9900€80k€99k▲
Operating profit (loss)9901€-4k€7k▲
Financial income75/76B€476-
Recurring financial income75€476-
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€-6k€4k▲
Income taxes67/77€284€277▼
Profit (loss) for the period9904€-7k€4k▲
Profit (loss) for the period to be appropriated9905€-7k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€-4k▲
Profit (loss) brought forward from the previous period14P€-875€-8k▼
The notes to these accounts (8 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 21 days late
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after 3 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 1.61
Current ratio from 0.54 to 1.61; short-term debt falls from €43k to €20k.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
2023
31-12
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €20k ▲2740%
Operating result €22k, net result €20k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.86
Current ratio from 0.88 to 1.86; short-term debt falls from €17k to €16k.
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2020
31-12
Financial
Back to profitnet €690
Net result €690 after one loss-making year.
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 19 days late
2019
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2011
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
20-06-2011
Resigned as Managing director
Location & real-estate footprint
Registered office, Namur · 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.
Av. du Bourg. Jean Materne(JB) 15100 Namur1 establishment unit
LA SCHTOUFF
since 20192.286.581.592
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Of 20,231 companies in sector 56111 we hold annual accounts for 11,313. 7,661 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-09-2004
Fiscal year end31-12
Activities, NACEBEL
55301
56101Full-service restaurants
56111Full-service restaurants
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filings
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.