Equity
-€12,513
Debts exceed assets in financial year 2025.
LE DAMIER
Lifetime
19 annual accounts with figures on one time axis, 35 filings since 1990Gross marginpeak €111,440 (2006)
-€1,489▲ €100
Resultlowest -€38,777 (2007)
-€2,090▲ €2,165
Equitypeak -€6,168 (2023)
-€12,513▼ €2,090
Debts
€18,133▼ 51.8%
Staffpeak 3.3 FTE (2006)
-not published
Board3 names since 1989
2 directorsGARIN Bernard and 1 other
Documentsfilings and deeds
18-06-202643 days before the deadline
2025micro format
Loss of €2,090Equity from -€10,423 to -€12,513Debts from €37,652 to €18,133Cash from €25,359 to €4,047
Key points
from the 2025 annual accountsLosses
-€6,345 in two years
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
Debts
€18,133 323% of the balance sheet
Suppliers 1%Taxes and wages 0%Other 98%
Of this, €308 falls due within a year.
At the same address
58 companies
Board
1 joined · 1 left
Board changed. Latest change 30-06-2026 · 1 in office.
Position in the sector
-222.7%
Lower solvency than 94% of companies in food and beverage service. Sector median 29.6% · 17,054 companies.
Checked score
51
Fair
Financially stronger than 35% of micro companies in food and beverage service (NACE 56)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.6% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.8% across 23,788 companies (NACE 56, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.5%
01-2025: 1.5%● unchanged vs 12-2024
02-2025: 1.5%● unchanged vs 01-2025
03-2025: 1.5%● unchanged vs 02-2025
04-2025: 1.5%● unchanged vs 03-2025
05-2025: 1.8%▲ +0.3 percentage points vs 04-2025
06-2025: 1.7%▼ -0.1 percentage points vs 05-2025
07-2025: 2.0%▲ +0.3 percentage points vs 06-2025
08-2025: 2.9%▲ +0.9 percentage points vs 07-2025
09-2025: 2.9%● unchanged vs 08-2025
10-2025: 2.9%● unchanged vs 09-2025
11-2025: 2.9%● unchanged vs 10-2025
12-2025: 2.9%● unchanged vs 11-2025
01-2026: 2.9%● unchanged vs 12-2025
02-2026: 2.9%● unchanged vs 01-2026
03-2026: 2.9%● unchanged vs 02-2026highest value
04-2026: 2.8%▼ -0.1 percentage points vs 03-2026
05-2026: 1.4%▼ -1.4 percentage points vs 04-2026
06-2026: 1.3%▼ -0.1 percentage points vs 05-2026
07-2026: 1.3%● unchanged vs 06-2026lowest value
08-2026: 1.3%● unchanged vs 07-2026lowest value
09-2026: 2.6%▲ +1.3 percentage points vs 08-2026
10-2026: 2.6%● unchanged vs 09-2026
11-2026: 2.6%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Sector: Food and beverage service activities (NACE 56)
Negative equity -€12,513
1 change of registered office in 24 months
Loss of €2,090, the second in a row (financial year 2025)
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 56, micro). It does better than 9% of them on solvency, 99% on liquidity, 8% on profitability and 25% on growth.
The bankruptcy probability was computed on 05-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 6,619 companies had the same profile as LE DAMIER has now. Each dot stands for 17 companies, two years later.
84.5%
were still trading
10.0%
stopped another way
4.5%
went bankrupt
Another 1.0% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of LE DAMIER itself: 2.6% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,619 companies, not a prediction for LE DAMIER. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is ample, with a current ratio of 18.25 (23.97 in 2024), above the usual 1.5. Short-term debt is 5.5% and cash 72% of total assets. However, equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
raises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
18192122232425
2018 to 2025 · latest year -€12,513
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 18-06-2026, 43 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
43 days early
2024
29 days early
2023
5 days late
2022
5 days early
2021
40 days early
2019
25 days late
2018
22 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 16 days before the deadline. In the sector (NACE 56), the median for financial year 2024 was 7 days after the deadline, and 53% 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 2 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
06-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered office moved from Le Roeulx to Tubize
New registered office: Rue des Ponts 23 a 1480 TUBIZE · Previous registered office: RUE DES CHAMPS FLEURIS 24 A 7070 LE ROEULX · Resignations: GARIN Bernard (director) and FAIGNARD Marie Laure (director) · General meeting of 30-06-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0438251938
Registered office moved to Le Roeulx
Capital after the increase: FRANCS 750,000, 550 new shares · Capital from €18,592.01 to €18,600 · New registered office: rue des Champs Fleuris 24, 7070 Le Roeulx · General meeting of 22-04-2024 · Gazette deed
First establishment
Rue de l'Hospice (H-A) 59, La Louvière
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| LE DAMIER Tubize | €5,620 | -€1,489 | -222.7% | - |
| KHL Ostend | €5,195 | -€5,273 | -977.3% | - |
| IL PIATTO D'ORO Maasmechelen | €6,002 | -€65 | 72.8% | - |
| BEERS Antwerp | €6,694 | -€1,394 | -573.2% | 0.1 |
| LAETITIA Ixelles | €4,565 | -€15,697 | -328.5% | - |
| GESTEFIC Brussels | €4,178 | €518 | -739.5% | - |
| DI MARE Sint-Pieters-Leeuw | €5,176 | -€14,706 | -212.1% | - |
These companies have the same main activity as LE DAMIER: full-service restaurants (NACE 56111). They are comparable in size and age: total assets between €4,180 and €6,690, founded between 1989 and 1999.
Official details
Source: KBO- Status
- Active since 30-08-1989Normal situation
- Registered office
- 59 active companies are registered at this address2 started in the 12 months before. Source: KBO register, as of 5 November 2026.
- Activity
- Full-service restaurantsNACE 56111and 1 other
- Establishment unit
- 2.044.704.9667110 La Louvière, since 11-09-1989
- Financial year end
- 31 December
- Peppol
- Reachable since 08-12-2025
Annual accounts 2025
- Total assets
- €5,620▼ 79.4%
- Filing
- Filed on 18-06-2026, 43 days before the end of the filing period
Insights on LE DAMIER
LE DAMIER files the micro format. That format states no turnover. The gross margin fell from €111,440 in 2006 to -€1,489 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about LE DAMIER
- What is the company number of LE DAMIER?
- The company number of LE DAMIER is 0438.251.938. The VAT number is the same number with BE in front: BE 0438.251.938.
- Where is LE DAMIER based?
- The registered office is at Rue des Ponts 23, 1480 Tubize.Company details
- What does LE DAMIER do?
- According to the KBO register, the main activity is full-service restaurants (NACE 56111).
- What is the legal form of LE DAMIER?
- LE DAMIER is a private limited company (BV).
- When was LE DAMIER founded?
- LE DAMIER was founded on 30-08-1989.
- Is LE DAMIER still active?
- Yes, LE DAMIER is an active enterprise in the KBO register.
- What is the turnover of LE DAMIER?
- The annual accounts for financial year 2025 state no turnover.Financials
- Is LE DAMIER profitable?
- In financial year 2025, LE DAMIER made a loss of €2,090.
- Where can I find the annual accounts of LE DAMIER?
- LE DAMIER filed 35 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of LE DAMIER due?
- LE DAMIER must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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