Active BE 0645.848.566Private limited company

Le Petit Palais

Place du Palais de Justice(TOU) 4 ·7500 Tournai, Belgium· 10 yrs active

Sector: Cafés en bars (56301)

Conclusion Checked

The computed 12-month bankruptcy probability of Le Petit Palais is 1.6% (moderate). The 2025 annual accounts show equity of €72k and a net result of €4k. Equity is growing by ~32% per year across the filed fiscal years. Its solvency ranks better than 95% of 1105 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 8 annual accounts.

Key figures

Equity	€72k
Net result	€4k
Better than sector	95%
Active	10 yrs

Financial profile 5 of 5 axes measured · computed by Checked

80 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 94

Profitability 26

Solvency 100

Growth 78

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

1.6% Moderate

0%0,5%1,5%4%10%≥25%

Higher-failure-rate sector +Annual accounts: healthy financial profile −Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Established

Founded in 2016, 10 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2025 · computed

94 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview10 NBB filings

Annual accounts filed on 09-06-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~32%/year over 8 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 56, Food & beverage service · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	86.8%	25.6%	better than 95% of 1105 sector peers
Net result	€4k	€7k	better than 43% of 1107 sector peers
Equity	€72k	€22k	better than 77% of 1109 sector peers
Gross operating margin	€12k	€63k	better than 19% of 1103 sector peers
Total assets	€83k	€106k	better than 41% of 1105 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€11k

-4.0% 18-25

Net profit

€4k

+4.1% 18-25

Cash flow

€8k

+4.1% 18-25

Total assets

€83k

-1.1% 18-25

Equity

€72k

+5.5% 18-25

Working capital

€61k

+15.4% 18-25

Employees (FTE)

1

+25.0% 18-25

Staff costs

€91

- 18-25

Show 10 other metrics

Income taxes

€1k

-20.5% 18-25

Debt

€11k

-29.8% 18-25

Debt ≤ 1y

€11k

-29.8% 18-25

Current ratio

6.59

+49.8% 18-25

Quick ratio

5.81

+52.2% 18-25

Solvency

86.8%

+6.6% 18-25

Debt / equity

0.15

-33.5% 18-25

ROE

5.2%

-1.3% 18-25

ROA

4.5%

+5.2% 18-25

Interest coverage

6.68

+12.6% 18-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€11k
Net profit	€4k
Cash flow	€8k
Staff costs	-
Income taxes	€1k
Dividends	-
Total assets	€83k
Equity	€72k
Debt	€11k
of which ≤ 1y	€11k
of which > 1y	-
Working capital	€61k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	6.59
Quick ratio	5.81
Working capital ratio	73.6%
Solvency	86.8%
Debt / equity	0.15
Long-term debt ratio	-
Interest coverage	6.68
Gross margin	-
Net margin	-
ROA	4.5%
ROE	5.2%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €11k · 13.2% Current assets €72k · 86.8%

Equity & liabilities

Equity €72k · 86.8% Debt €11k · 13.2%

Full annual accounts (24 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€83k
Fixed assets	21/28	€11k
Tangible fixed assets	22/27	€8k
Financial fixed assets	28	€3k
Current assets	29/58	€72k
Stocks & contracts in progress	3	€9k
Amounts receivable within one year	40/41	€5k
Cash & bank	54/58	€58k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€83k
Equity	10/15	€72k
Contributions / capital	10/11	€20k
Reserves	13	€54k
Accumulated profits (losses)	14	€-2k
Amounts payable	17/49	€11k
Amounts payable within one year	42/48	€11k
Trade debts payable within one year	44	€2k
Income statement
Gross operating margin	9900	€12k
Operating result	9901	€6k
Financial income	75	€159
Financial charges	65	€2k
Result before taxes	9903	€5k
Income taxes	67/77	€1k
Net result for the period	9904	€4k
Result to be appropriated	9905	€4k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	Cafés en bars(56301)
Legal form	Private limited company(610)
Incorporation	12-01-2016
Status	Active
Postal code	7500

Establishment units 1 location

Le Petit Palais

Place du Palais de Justice(TOU) 4, 7500 TournaiEetgelegenheden met beperkte bediening

since 20162.252.917.347

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
57081H0647/00_000	Wallonia	152 m²	1 · 82 m²	15.7 m · 5 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026

09-06-2026

NBB filing Annual accounts filed

fiscal year 2025 · micro

2025

19-06-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

01-07-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

2023

28-12-2023

State Gazette act Director changes

Maxime HANARD

12-06-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

2022

03-06-2022

NBB filing Annual accounts filed

fiscal year 2021 · micro

2021

18-08-2021

NBB filing Annual accounts filed

fiscal year 2020 · micro

2020

24-06-2020

NBB filing Annual accounts filed

fiscal year 2019 · micro

2019

19-07-2019

NBB filing Annual accounts filed

fiscal year 2018 · micro

2018

05-06-2018

NBB filing Annual accounts filed

fiscal year 2017 · micro

2017

24-08-2017

NBB filing Annual accounts filed

fiscal year 2016 · micro

Belgian State Gazette reading coverage 0 of 3 acts read

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 2 years ago

2023

28-12-2023 Discharge granted to the board Director changes·Maxime HANARD

Notary: Maxime HANARD · Tournai

Original publication ↗

Technical details

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      "evidence_quote": "L\u2019assembl\u00E9e g\u00E9n\u00E9rale d\u00E9cidera \u00E0 la prochaine assembl\u00E9e g\u00E9n\u00E9rale annuelle sur la d\u00E9charge au g\u00E9rant d\u00E9missionnaire pour l\u2019ex\u00E9cution de son mandat.",
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    }
  ],
  "notary": {
    "name": "Maxime HANARD",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Tournai",
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2023-12-28",
    "filing_date": "2023-12-23",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2023-12-11",
      "unanimous": true
    },
    {
      "body": "algemene_vergadering",
      "date": "2023-12-11",
      "unanimous": true
    },
    {
      "body": "algemene_vergadering",
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    {
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  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0645.848.566",
    "name_full": "Le Petit Palais",
    "legal_form": "SRL"
  },
  "publication_proxy": {
    "kind": "org",
    "org_kbo": "0550.973.064",
    "org_name": "AVICOUNT",
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Cafés en bars56301Cafés en bars56301Eetgelegenheden met volledige bediening56101Activiteiten van eetgelegenheden met volledige bediening56111

Primary activity highlighted.

Names & trade names

Legal nameFR

Le Petit Palais

Registered office

Place du Palais de Justice(TOU) 4

7500 Tournai, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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