LE PETIT COMMIS
ActiveSummary
The computed 12-month bankruptcy probability of LE PETIT COMMIS is 6.3% (elevated). The 2025 annual accounts show equity of €58k and a net result of €10k. Equity is growing by ~27.9% per year across the filed fiscal years. Its solvency ranks better than 41% of 13305 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
37
/ 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
Profitability73▼-8
Solvency46▼-21
Growth52=
Track record94
Bankruptcy probability, 12 months
6.3%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity tight (current ratio 1.18 against 1.45 in 2024; short-term debt: 79.2% and cash: 5.8% of total assets), and 79.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
20.8%
Return on assets
3.6%
Age of the figures
9 mo
neutral · Filed after the deadline
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. 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
30 d late
2023
49 d late
2022
21 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€10k▼ 10.9%
2024 · €11k
2022: €19k
2023: €16k
2024: €11k
2022 → 2025
Working capital
€40k▲ 35.7%
2024 · €30k
2022: €21k
2023: €27k
2024: €30k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€21k-€37k▲ 74.6%€48k▲ 30.7%€58k▲ 21.0%
Operating result€27k-€21k▼ 21.1%€19k▼ 8.2%€16k▼ 16.9%
Net result€19k-€16k▼ 17.5%€11k▼ 28.1%€10k▼ 10.9%
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 17% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €278k
Fixed assets
€17k ▼ 3.3%
Current assets
€261k ▲ 172%
Equity and liabilities €278k
Equity
€58k ▲ 21.0%
Debt
€220k ▲ 234%
Debt's share of the balance-sheet total rises from 57.9% to 79.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€19k▼
2024 · €22k
Cash flow
€13k▼
2024 · €14k
Current ratio
1.18▼
2024 · 1.45
Debt to equity
3.80▲
2024 · 1.38
ROE
17.3%▼
2024 · 23.5%
ROA
3.6%▼
2024 · 9.9%
Interest coverage
28.79▼
2024 · 96.72
Debt ≤ 1 year
€220k▲
2024 · €66k
Income taxes
€6k▼
2024 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€114k€278k▲
Fixed assets21/28€18k€17k▼
Intangible fixed assets21-€3k
Tangible fixed assets22/27€8k€5k▼
Plant, machinery and equipment23€1k€709▼
Furniture and vehicles24€7k€4k▼
Financial fixed assets28€10k€10k=
Current assets29/58€96k€261k▲
Amounts receivable within one year40/41€61k€242k▲
Trade receivables40€3k€136k▲
Other amounts receivable41€58k€106k▲
Cash at bank and in hand54/58€32k€16k▼
Deferred charges and accrued income490/1€3k€3k=
Equity and liabilities
Total equity and liabilities10/49€114k€278k▲
Equity10/15€48k€58k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€46k€56k▲
Amounts payable17/49€66k€220k▲
Amounts payable within one year42/48€66k€220k▲
Trade debts44€24k€197k▲
Suppliers440/4€24k€197k▲
Taxes, remuneration and social security45€42k€24k▼
Taxes450/3€42k€24k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€3k€288▼
Gross operating margin9900€25k€20k▼
Operating profit (loss)9901€19k€16k▼
Financial income75/76B-€1k
Recurring financial income75-€1k
Financial charges65/66B€232€677▲
Recurring financial charges65€232€677▲
Profit (loss) for the period before taxes9903€19k€16k▼
Income taxes67/77€8k€6k▼
Profit (loss) for the period9904€11k€10k▼
Profit (loss) for the period to be appropriated9905€11k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€46k€56k▲
Profit (loss) brought forward from the previous period14P€35k€46k▲
The notes to these accounts (9 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €10k ▼10.9%
Net result drops to €10k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
18-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 49 days late
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 21 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, Brussel · 1 establishment unit since 2022
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.
Munsterstraat 121000 BrusselGround area
141 m²
Building footprint
85 m²
Volume, LiDAR
1,204 m³
Parcel 21807G0218/00R017, Brussels · tallest building 17.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
LE PETIT COMMIS
since 20222.330.210.709
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0218/00R017 | Brussels | 141 m² | 1 · 85 m² | 17.4 m · 5 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.
Similar companies · same sector, comparable size
THAI CHINE
BE 0448.838.004
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CSM CIAO ITALIA
BE 0452.431.556
Leuven · Eq €57,967
Brasserie André Renard
BE 0521.996.590
Herstal · Eq €57,965
LOS TONTOS
BE 0760.621.441
Zemst · Eq €57,960
'T GROF ZOUT
BE 0464.042.159
Geraardsbergen · Eq €58,002
Of 20,493 companies in sector 56111 we hold annual accounts for 11,461. 9,879 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-03-2022
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
70200Business and other management consultancy
46190Agents in non-specialised wholesale trade
56210Event catering
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.