LE RATELIER
ActiveThe computed 12-month bankruptcy probability of LE RATELIER is 2.5% (moderate). The 2024 annual accounts show equity of €10k and a net result of €-8k. Equity is shrinking by ~9.7% per year across the filed fiscal years. Its solvency ranks better than 35% of 18940 sector peers (fiscal year 2024). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
37
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability10▼-90
Solvency36▼-44
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.71 against 1.23 in 2023; short-term debt: 46.9% and cash: 11.5% of total assets), and 88.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 · 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 2024Solvency, return and age of the figures
Solvency
11.1%
Return on assets
-9.7%
Age of the figures
21 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-05-2025, 73 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
73 d early
2023
22 d early
2022
30 d late
2021
18 d late
2020
27 d late
2019
38 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€10k▼ 46.5%
2023 · €18k
2018: €19k
2019: €25k
2020: €24k
2021: €17k
2022: €10k
2023: €18k
2018 → 2024
Total assets
€88k▲ 166%
2023 · €33k
2018: €46k
2019: €47k
2020: €41k
2021: €34k
2022: €30k
2023: €33k
2018 → 2024
Net result
€-8k
2023 · €8k
2018: €7k
2019: €6k
2020: €-1k
2021: €-6k
2022: €-7k
2023: €8k
2018 → 2024
Working capital
€-12k
2023 · €3k
2018: €-16k
2019: €-10k
2020: €-6k
2021: €-6k
2022: €-6k
2023: €3k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€24k-€17k▼ 26.3%€10k▼ 42.6%€18k▲ 83.0%€10k▼ 46.5%
Operating result€241-€-5k€-7k▼ 26.7%€10k€-8k
Net result€-1k-€-6k▼ 468%€-7k▼ 19.3%€8k€-8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €8k after €10k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €88k
Fixed assets
€59k▲ 296%
Current assets
€29k▲ 59.8%
Equity and liabilities €88k
Equity
€10k▼ 46.5%
Debt
€78k▲ 427%
The debt ratio rises from 44.8% to 88.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€391▼
2023 · €16k
Cash flow
€-589▼
2023 · €14k
Solvency
11.1%▼
2023 · 55.2%
Current ratio
0.71▼
2023 · 1.23
Quick ratio
0.67▼
2023 · 1.14
Debt / equity
8.01▲
2023 · 0.81
ROE
-86.9%▼
2023 · 45.4%
ROA
-9.7%▼
2023 · 25.0%
Interest coverage
0.36▼
2023 · 12.05
Debt
€78k▲
2023 · €15k
Debt ≤ 1 year
€41k▲
2023 · €15k
Debt > 1 year
€37k
Income taxes
€7▼
2023 · €671
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€33k€88k▲
Fixed assets21/28€15k€59k▲
Tangible fixed assets22/27€14k€58k▲
Land and buildings22€11k€8k▼
Plant, machinery and equipment23€4k€46k▲
Furniture and vehicles24-€4k
Financial fixed assets28€750€750=
Current assets29/58€18k€29k▲
Stocks and contracts in progress3€1k€1k=
Stocks30/36€1k€1k=
Amounts receivable within one year40/41€8k€18k▲
Trade receivables40€996-
Other amounts receivable41€7k€18k▲
Cash at bank and in hand54/58€8k€10k▲
Deferred charges and accrued income490/1€417€199▼
Equity and liabilities
Total equity and liabilities10/49€33k€88k▲
Equity10/15€18k€10k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-2k€-11k▼
Amounts payable17/49€15k€78k▲
Amounts payable after more than one year17-€37k
Financial debts170/4-€37k
Amounts payable within one year42/48€15k€41k▲
Current portion of amounts payable after more than one year42-€9k
Trade debts44€3k€7k▲
Suppliers440/4€3k€7k▲
Other amounts payable47/48€12k€25k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€8k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€17k€2k▼
Operating profit (loss)9901€10k€-8k▼
Financial income75/76B€100€98▼
Recurring financial income75€100€98▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€9k€-8k▼
Income taxes67/77€671€7▼
Profit (loss) for the period9904€8k€-8k▼
Profit (loss) for the period to be appropriated9905€8k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€-11k▼
Profit (loss) brought forward from the previous period14P€-10k€-2k▲
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
2025
19-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-8k ▼203%
Net result drops to €-8k, the lowest in the series.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €8k
Net result €8k after 3 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
18-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
28-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Jemeppe-sur-Sambre · 1 establishment unit since 2012
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 du Chaufour,Spy 555190 Jemeppe-sur-SambreGround area
311 m²
Building footprint
122 m²
Volume, LiDAR
805 m³
Parcel 92119F0129/00N000, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LE RATELIER
since 20122.211.042.150
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92119F0129/00N000 | Wallonia | 311 m² | 1 · 122 m² | 8.4 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 siteJemeppe-sur-Sambre2.211.042.150
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Of 21,904 companies in sector 56112 we hold annual accounts for 9,779. 6,862 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-07-2012
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.