LE GOURMAND
ActiveThe annual accounts of LE GOURMAND for fiscal year 2025 show a net loss of 78% of the equity at the start of that year. The 2025 annual accounts show equity of €7k and a net result of €-24k. Equity is shrinking by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 29% of 13240 sector peers (fiscal year 2025). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
34
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability22▼-42
Solvency30▼-13
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.16 against 0.13 in 2024; short-term debt: 54.1% and cash: 0.8% of total assets), and 95.2% 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 →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
4.8%
Return on assets
-17%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-24k
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
8 d early
2023
on the day
2022
6 d early
2021
18 d late
2020
247 d late
2019
15 d early
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€7k▼ 77.9%
2024 · €31k
2018: €16k
2019: €16k
2020: €43k
2021: €46k
2022: €37k
2023: €37k
2024: €31k
2018 → 2025
Total assets
€140k▼ 15.4%
2024 · €165k
2018: €288k
2019: €245k
2020: €263k
2021: €240k
2022: €201k
2023: €196k
2024: €165k
2018 → 2025
Net result
€-24k▼ 259%
2024 · €-7k
2018: €-234
2019: €21
2020: €27k
2021: €3k
2022: €-8k
2023: €18
2024: €-7k
2018 → 2025
Working capital
€-64k▼ 54.2%
2024 · €-41k
2018: €-53k
2019: €-43k
2020: €17k
2021: €-17k
2022: €-34k
2023: €-29k
2024: €-41k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€46k-€37k▼ 18.3%€37k=€31k▼ 17.8%€7k▼ 77.9%
Operating result€10k-€178▼ 98.2%€6k▲ 3,413%€-2k€-19k▼ 1,108%
Net result€3k-€-8k€18€-7k€-24k▼ 259%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €19k in 2025 against €2k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €140k
Fixed assets
€128k▼ 19.6%
Current assets
€12k▲ 90.5%
Equity and liabilities €140k
Equity
€7k▼ 77.9%
Debt
€133k▼ 1.2%
The debt ratio rises from 81.5% to 95.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€12k▼
2024 · €29k
Cash flow
€7k▼
2024 · €24k
Solvency
4.8%▼
2024 · 18.5%
Current ratio
0.16▲
2024 · 0.13
Quick ratio
0.03▼
2024 · 0.05
Debt / equity
19.72▲
2024 · 4.41
ROE
-352.5%▼
2024 · -21.7%
ROA
-17.0%▼
2024 · -4.0%
Interest coverage
2.65▼
2024 · 6.36
Debt
€133k▼
2024 · €135k
Debt ≤ 1 year
€76k▲
2024 · €48k
Debt > 1 year
€57k▼
2024 · €87k
Income taxes
€357▼
2024 · €479
Staff costs
€10k▼
2024 · €13k
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€165k€140k▼
Fixed assets21/28€159k€128k▼
Tangible fixed assets22/27€159k€128k▼
Land and buildings22€132k€114k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€22k€11k▼
Current assets29/58€6k€12k▲
Stocks and contracts in progress3€4k€10k▲
Stocks30/36€4k€10k▲
Amounts receivable within one year40/41€80€1k▲
Trade receivables40€80€950▲
Other amounts receivable41-€109
Cash at bank and in hand54/58€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€165k€140k▼
Equity10/15€31k€7k▼
Contributions10/11€25k€25k=
Reserves13€10k€10k=
Tax-exempt reserves132€7k€7k=
Distributable reserves133€3k€3k=
Profit (loss) carried forward14€-5k€-28k▼
Amounts payable17/49€135k€133k▼
Amounts payable after more than one year17€87k€57k▼
Financial debts170/4€87k€57k▼
Amounts payable within one year42/48€48k€76k▲
Current portion of amounts payable after more than one year42€20k€15k▼
Financial debts43€4k€16k▲
Credit institutions430/8€4k€16k▲
Trade debts44€10k€15k▲
Suppliers440/4€10k€15k▲
Taxes, remuneration and social security45€4k€2k▼
Taxes450/3€3k€836▼
Remuneration and social security454/9€1k€856▼
Other amounts payable47/48€10k€28k▲
Income statement
Code20242025
Remuneration, social security and pensions62€13k€10k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€31k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€46k€27k▼
Operating profit (loss)9901€-2k€-19k▼
Financial income75/76B€0€75▲
Recurring financial income75€0€75▲
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€-6k€-23k▼
Income taxes67/77€479€357▼
Profit (loss) for the period9904€-7k€-24k▼
Profit (loss) for the period to be appropriated9905€-7k€-24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€-28k▼
Profit (loss) brought forward from the previous period14P€2k€-5k▼
The notes to these accounts (7 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-24k
Net result drops to €-24k, the lowest in the series.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €18
Net result €18 after one loss-making year.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
04-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 247 days late
2020
31-12
Financial
Highest result since 2018net €27k ▲129405%
Operating result €43k, net result €27k, both a record.
31-12
Financial
Liquidity times 6current ratio 1.43
Current ratio from 0.24 to 1.43; short-term debt falls from €57k to €38k.
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €21
Net result €21 after one loss-making year.
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 57 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · 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
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.
Location & real-estate footprint
Registered office, Bilzen-Hoeselt · 1 establishment unit since 2001
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.
Sint Jozefstraat 63740 Bilzen-HoeseltGround area
1,359 m²
Building footprint
232 m²
Volume, LiDAR
1,471 m³
Parcel 73006C0341/00G000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LE GOURMAND
since 20012.093.262.473
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73006C0341/00G000 | Flanders | 1,359 m² | 1 · 232 m² | 8.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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 siteBilzen-Hoeselt2.093.262.473
Dual-learning approval
6 live approvals · 4 endedHulpkok (vwo)
Kok (vwo)
Kok duaal (so)
Medewerker fastfood (vwo)
Medewerker fastfood duaal (so)
Restaurant en keuken duaal (so)
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,783. 5,966 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded27-06-2001
Fiscal year end31-12
Activities, NACEBEL
55301
55302
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.