LE CROUSTI
ActiveThe computed 12-month bankruptcy probability of LE CROUSTI is 3.6% (moderate). The 2025 annual accounts show equity of €27k and a net result of €3k. Equity is growing by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 60% of 13270 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
53
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability46▲+12
Solvency67▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
3.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.86 against 1.77 in 2024; short-term debt: 45.1% and cash: 20.6% of total assets), but 58.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
41.7%
Return on assets
4.8%
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 01-07-2026, 30 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
30 d early
2024
31 d early
2023
38 d early
2022
17 d early
2021
25 d late
2020
31 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€27k▲ 12.9%
2024 · €24k
2020: €2k
2021: €24k
2022: €36k
2023: €24k
2024: €24k
2020 → 2025
Total assets
€65k▲ 2.8%
2024 · €63k
2020: €72k
2021: €73k
2022: €81k
2023: €67k
2024: €63k
2020 → 2025
Net result
€3k
2024 · €-142
2020: €-18k
2021: €21k
2022: €12k
2023: €-12k
2024: €-142
2020 → 2025
Working capital
€25k▲ 16.7%
2024 · €21k
2020: €-15k
2021: €12k
2022: €33k
2023: €25k
2024: €21k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€36k▲ 52.2%€24k▼ 33.4%€24k▼ 0.6%€27k▲ 12.9%
Operating result€24k-€16k▼ 32.5%€-10k€4k€7k▲ 99.3%
Net result€21k-€12k▼ 41.7%€-12k€-142▲ 98.8%€3k
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 99% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €65k
Fixed assets
€10k▼ 22.6%
Current assets
€54k▲ 9.7%
Equity and liabilities €65k
Equity
€27k▲ 12.9%
Debt
€38k▼ 3.4%
The debt ratio falls from 62.0% to 58.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€10k▲
2024 · €7k
Cash flow
€6k▲
2024 · €3k
Solvency
41.7%▲
2024 · 38.0%
Current ratio
1.86▲
2024 · 1.77
Quick ratio
1.70▲
2024 · 1.64
Debt / equity
1.40▼
2024 · 1.63
ROE
11.4%▲
2024 · -0.6%
ROA
4.8%▲
2024 · -0.2%
Interest coverage
2.52▲
2024 · 1.90
Debt
€38k▼
2024 · €39k
Debt ≤ 1 year
€29k▲
2024 · €28k
Debt > 1 year
€4k▼
2024 · €11k
Income taxes
€176▲
2024 · €172
Staff costs
€45k▼
2024 · €47k
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€63k€65k▲
Fixed assets21/28€14k€10k▼
Intangible fixed assets21€8k€6k▼
Tangible fixed assets22/27€6k€4k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€813€327▼
Current assets29/58€49k€54k▲
Amounts receivable after more than one year29€8k€8k=
Other amounts receivable291€8k€8k=
Stocks and contracts in progress3€4k€5k▲
Stocks30/36€4k€5k▲
Amounts receivable within one year40/41€13k€22k▲
Trade receivables40€13k€16k▲
Other amounts receivable41€135€6k▲
Cash at bank and in hand54/58€17k€13k▼
Deferred charges and accrued income490/1€8k€6k▼
Equity and liabilities
Total equity and liabilities10/49€63k€65k▲
Equity10/15€24k€27k▲
Contributions10/11€20k€20k=
Reserves13€16k€16k=
Distributable reserves133€16k€16k=
Profit (loss) carried forward14€-12k€-9k▲
Amounts payable17/49€39k€38k▼
Amounts payable after more than one year17€11k€4k▼
Financial debts170/4€11k€4k▼
Amounts payable within one year42/48€28k€29k▲
Current portion of amounts payable after more than one year42€7k€7k▲
Trade debts44€15k€18k▲
Suppliers440/4€15k€18k▲
Taxes, remuneration and social security45€4k€4k▼
Taxes450/3€242€384▲
Remuneration and social security454/9€4k€4k▼
Other amounts payable47/48€1k-
Accrued charges and deferred income492/3-€4k
Income statement
Code20242025
Non-recurring operating income76A€3k€77▼
Remuneration, social security and pensions62€47k€45k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€2k€1k▼
Non-recurring operating charges66A€280€456▲
Gross operating margin9900€56k€57k▲
Operating profit (loss)9901€4k€7k▲
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€30€3k▲
Income taxes67/77€172€176▲
Profit (loss) for the period9904€-142€3k▲
Profit (loss) for the period to be appropriated9905€-142€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€-9k▲
Profit (loss) brought forward from the previous period14P€-12k€-12k▼
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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.67
Current ratio from 0.52 to 1.67; short-term debt falls from €30k to €18k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, La Louvière · 1 establishment unit since 2020
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.
Rue d' Eguisheim(S-V) 197100 La LouvièreGround area
2,685 m²
Building footprint
687 m²
Volume, LiDAR
7,868 m³
2 parcels, Wallonia · tallest building 18.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Le crousti
since 20202.297.139.251
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25386B0122/00E006 | Wallonia | 2,122 m² | 1 · 528 m² | 18.9 m · 5 fl. |
| 55038D0209/00P006 | Wallonia | 563 m² | 1 · 158 m² | - |
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 siteOttignies-Louvain-la-Neuve2.297.139.251
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 8,334 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-2019
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:+32477693869