LE TEMPS D'UN DELICE
ActiveSummary
The computed 12-month bankruptcy probability of LE TEMPS D'UN DELICE is 3.1% (moderate). The 2025 annual accounts show equity of €194k and a net result of €89k. Equity is growing by ~68.1% per year across the filed fiscal years. Its solvency ranks better than 60% of 13305 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93=
Solvency67▲+15
Growth78=
Track record100
Bankruptcy probability, 12 months
3.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 2.48 against 1.29 in 2024; short-term debt: 16.8% and cash: 3.4% of total assets), but 58.2% 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 →
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
41.8%
Return on assets
19.1%
Age of the figures
15 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
2 d early
2024
21 d early
2023
5 d early
2022
33 d early
2021
3 d early
2020
16 d late
2019
27 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€194k▲ 84.3%
2024 · €105k
2019: €-79k
2020: €-116k
2021: €-59k
2022: €-23k
2023: €31k
2024: €105k
2019 → 2025
Total assets
€465k▲ 20.6%
2024 · €386k
2019: €439k
2020: €371k
2021: €318k
2022: €294k
2023: €308k
2024: €386k
2019 → 2025
Net result
€89k▲ 19.5%
2024 · €74k
2019: €-85k
2020: €-37k
2021: €57k
2022: €36k
2023: €54k
2024: €74k
2019 → 2025
Working capital
€116k▲ 309%
2024 · €28k
2019: €-170k
2020: €-193k
2021: €-129k
2022: €-97k
2023: €-32k
2024: €28k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-59k-€-23k▲ 61.4%€31k€105k▲ 239%€194k▲ 84.3%
Operating result€68k-€46k▼ 32.7%€73k▲ 61.0%€107k▲ 45.9%€129k▲ 20.7%
Net result€57k-€36k▼ 36.0%€54k▲ 48.0%€74k▲ 37.9%€89k▲ 19.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 21% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €465k
Fixed assets
€271k ▲ 4.4%
Current assets
€194k ▲ 53.9%
Equity and liabilities €465k
Equity
€194k ▲ 84.3%
Debt
€271k ▼ 3.4%
Debt's share of the balance-sheet total falls from 72.7% to 58.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€157k▲
2024 · €128k
Cash flow
€117k▲
2024 · €95k
Current ratio
2.48▲
2024 · 1.29
Quick ratio
2.36▲
2024 · 1.18
Debt to equity
1.39▼
2024 · 2.66
ROE
45.7%▼
2024 · 70.5%
ROA
19.1%▼
2024 · 19.3%
Interest coverage
14.54▼
2024 · 16.13
Debt ≤ 1 year
€78k▼
2024 · €98k
Debt > 1 year
€193k▲
2024 · €182k
Income taxes
€30k▲
2024 · €25k
Staff costs
€211k▲
2024 · €203k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€386k€465k▲
Fixed assets21/28€260k€271k▲
Intangible fixed assets21€32k€24k▼
Tangible fixed assets22/27€227k€247k▲
Land and buildings22€203k€196k▼
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€2k€3k▲
Leasing and similar rights25-€30k
Other tangible fixed assets26€18k€16k▼
Financial fixed assets28€551-
Current assets29/58€126k€194k▲
Stocks and contracts in progress3€11k€10k▼
Stocks30/36€11k€10k▼
Amounts receivable within one year40/41€109k€165k▲
Trade receivables40€14k€3k▼
Other amounts receivable41€95k€162k▲
Cash at bank and in hand54/58€7k€16k▲
Deferred charges and accrued income490/1-€4k
Equity and liabilities
Total equity and liabilities10/49€386k€465k▲
Equity10/15€105k€194k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€99k€188k▲
Amounts payable17/49€280k€271k▼
Amounts payable after more than one year17€182k€193k▲
Financial debts170/4€182k€193k▲
Amounts payable within one year42/48€98k€78k▼
Current portion of amounts payable after more than one year42€33k€42k▲
Trade debts44€28k€12k▼
Suppliers440/4€28k€12k▼
Taxes, remuneration and social security45€33k€20k▼
Taxes450/3€5k€9k▲
Remuneration and social security454/9€28k€12k▼
Other amounts payable47/48€3k€4k▲
Accrued charges and deferred income492/3€580-
Income statement
Code20242025
Remuneration, social security and pensions62€203k€211k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€28k▲
Other operating charges640/8€6k€4k▼
Gross operating margin9900€337k€372k▲
Operating profit (loss)9901€107k€129k▲
Financial income75/76B€7€137▲
Recurring financial income75€7€137▲
Financial charges65/66B€8k€11k▲
Recurring financial charges65€8k€11k▲
Profit (loss) for the period before taxes9903€99k€119k▲
Income taxes67/77€25k€30k▲
Profit (loss) for the period9904€74k€89k▲
Profit (loss) for the period to be appropriated9905€74k€89k▲
Appropriation of the result
Profit (loss) to be appropriated9906€99k€188k▲
Profit (loss) brought forward from the previous period14P€25k€99k▲
The notes to these accounts (11 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2019net €89k ▲19.5%
Operating result €129k, net result €89k, both a record.
30-06
Financial
Equity above €150kEq €194k ▲84.3%
5 profitable years in a row build equity to €194k.
10-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Liquidity doublescurrent ratio 1.29
Current ratio from 0.62 to 1.29.
30-06
Financial
Equity above €100kEq €105k ▲239%
4 profitable years in a row build equity to €105k.
26-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
29-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Back to profitnet €57k
Net result €57k after 2 loss-making years.
16-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
2020
27-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Huy · 3 establishment units since 2018
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 des Bons-Enfants 734500 HuyGround area
2,722 m²
Building footprint
437 m²
Volume, LiDAR
2,917 m³
3 parcels, Wallonia · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
3 establishment units
Le temps d'un délice
since 20182.277.638.291
Le temps d'un délice
since 20182.277.638.489
Le temps d'un délice
since 20182.277.639.380
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61007A0113/00W000 | Wallonia | 1,854 m² | 1 · 101 m² | 7.0 m · 2 fl. |
| 61028A0037/00W000 | Wallonia | 502 m² | 1 · 282 m² | 10.2 m · 2 fl. |
| 61031B0658/00X000 | Wallonia | 366 m² | 1 · 54 m² | 11.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels 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
3 sitesHéron2.277.638.489
Huy2.277.638.291
Huy2.277.639.380
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Of 21,888 companies in sector 56112 we hold annual accounts for 9,780. 6,768 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
Founded29-06-2018
Fiscal year end30-06
Abbreviation FR
LTDD
Activities, NACEBEL 2025
10712Artisanal bread and fresh pastry making
56112Limited-service restaurants, excluding mobile food services
10520Manufacture of food products
47241Retail sale of bread and pastry (bakery outlets)
47242Retail sale of chocolate and confectionery
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesPhone:085/27.01.10
Phone:085/61.61.11