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LICA

Active
Leuvensesteenweg 503-505 ·1030 Schaarbeek, Belgium
KBO/BCE: BE 0640.898.596
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Age10 yrs
Staff (FTE)4.1
Real estate1 parcel · 231 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of LICA is 2.4% (moderate). The 2025 annual accounts show equity of €349k and a net result of €127k. Equity is growing by ~19.5% per year across the filed fiscal years. Its solvency ranks better than 82% of 1080 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.

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

Signals

3 signals · with evidence
Strong solvency vs sector
Solvency is in the sector's strongest quartile: better than 82% of 1080 peers (2025). A comfortable equity buffer.
View the sector comparison
Consistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend
Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-05-2026, 79 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 13-05-2026 79 d early 2026-00118989
31-12-2024 31-07-2025 27-06-2025 34 d early 2025-00225652
31-12-2023 31-07-2024 14-06-2024 47 d early 2024-00146883
31-12-2022 31-07-2023 04-07-2023 27 d early 2023-00205786
31-12-2021 31-07-2022 29-07-2022 2 d early 2022-20258604
31-12-2020 31-07-2021 30-08-2021 30 d late 2021-59100430
31-12-2019 31-07-2020 17-07-2020 14 d early 2020-32600379
31-12-2018 31-07-2019 28-08-2019 28 d late 2019-54300551
31-12-2017 31-07-2018 13-07-2018 18 d early 2018-33100405
31-12-2016 31-07-2017 16-06-2017 45 d early 2017-18300043

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Established
Founded in 2015, 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 Flags

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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
2.4% Moderate
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector +Higher-failure-rate region +Annual accounts: healthy financial profile −

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

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€127k+73.1%
Working capital€206k+201.1%

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 13-05-2026 with the NBB · fiscal year 2025 · micro
€-100k€0€100k€200kOperating result 2021: €14k€14kNet result 2021: €7k€7kOperating result 2022: €-21k€-21kNet result 2022: €-23k€-23kOperating result 2023: €21k€21kNet result 2023: €14k€14kOperating result 2024: €105k€105kNet result 2024: €73k€73kOperating result 2025: €193k€193kNet result 2025: €127k€127k20212022202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
volatile Too volatile to project: the yearly deviation from the trend is ~116% of the level (threshold 35%). We therefore deliberately show no projection line.
€-50k€0€50k€100k€150k2018: €35k2019: €48k2020: €137k2021: €7k2022: €-23k2023: €14k2024: €73k2025: €127k20182019202020212022202320242025
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 62.4% 25.9%
better than 82% of 1080 sector peers
Net result €127k €7k
better than 95% of 1081 sector peers
Equity €349k €23k
better than 95% of 1083 sector peers
Gross operating margin €328k €64k
better than 94% of 1077 sector peers
Staff costs €76k €52k
higher than 61% of 788 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
Solvency P82
2020: P72 · n=12902021: P72 · n=20872022: P86 · n=35442023: P84 · n=47912024: P83 · n=56152025: P82 · n=10802020 2025
Stable position over 2020-2025 · n=1080-5615
Net result P95
2020: P95 · n=12822021: P56 · n=20822022: P15 · n=35262023: P72 · n=47802024: P95 · n=56032025: P95 · n=10812020 2025
Improving position over 2020-2025 · n=1081-5603
Equity P95
2020: P95 · n=12942021: P95 · n=20942022: P95 · n=35502023: P95 · n=48052024: P95 · n=56262025: P95 · n=10832020 2025
Stable position over 2020-2025 · n=1083-5626
Gross operating margin P94
2020: P92 · n=12772021: P64 · n=20702022: P47 · n=35122023: P73 · n=47632024: P87 · n=55892025: P94 · n=10772020 2025
Improving position over 2020-2025 · n=1077-5589
Describes the position versus peers, not a forecast.
EBITDA
€250k
+67.5% 18-25
Net profit
€127k
+73.1% 18-25
Cash flow
€184k
+56.0% 18-25
Total assets
€558k
+46.6% 18-25
Equity
€349k
+57.1% 18-25
Working capital
€206k
+201.1% 18-25
Employees (FTE)
4
+127.8% 18-25
Staff costs
€76k
+23.6% 18-25
Income taxes
€60k
+114.6% 18-25
Dividends
€0
-100.0% 18-25
Debt
€210k
+31.9% 18-25
Debt ≤ 1y
€127k
+46.3% 18-25
Debt > 1y
€83k
+14.7% 18-25
Current ratio
2.62
+46.7% 18-25
Quick ratio
2.61
+50.9% 18-25
Solvency
62.4%
+7.2% 18-25
Debt / equity
0.60
-16.0% 18-25
ROE
36.3%
+10.2% 18-25
ROA
22.7%
+18.1% 18-25
Interest coverage
24.17
-26.8% 18-25
Figures by fiscal year
Fiscal year2025
Depositmicro
Revenue-
EBITDA€250k
Net profit€127k
Cash flow€184k
Staff costs€76k
Income taxes€60k
Dividends-
Total assets€558k
Equity€349k
Debt€210k
of which ≤ 1y€127k
of which > 1y€83k
Working capital€206k
Employees (FTE)4.1
Ratios (computed)
2025
Current ratio2.62
Quick ratio2.61
Working capital ratio36.9%
Solvency62.4%
Debt / equity0.60
Long-term debt ratio0.24
Interest coverage24.17
Gross margin-
Net margin-
ROA22.7%
ROE36.3%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€558k
Fixed assets 21/28€226k
Tangible fixed assets 22/27€225k
Financial fixed assets 28€200
Current assets 29/58€333k
Stocks & contracts in progress 3€2k
Amounts receivable within one year 40/41€12k
Cash & bank 54/58€316k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€558k
Equity 10/15€349k
Contributions / capital 10/11€12k
Reserves 13€300k
Accumulated profits (losses) 14€37k
Amounts payable 17/49€210k
Amounts payable after one year 17€83k
Amounts payable within one year 42/48€127k
Trade debts payable within one year 44€37k
Income statement
Gross operating margin 9900€328k
Operating result 9901€193k
Financial income 75€4k
Financial charges 65€10k
Result before taxes 9903€186k
Income taxes 67/77€60k
Net result for the period 9904€127k
Result to be appropriated 9905€127k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2025 · computed
100 / 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.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Leuvensesteenweg 503-5051030 Schaarbeek

Establishment units

1 location
LICA
Leuvensesteenweg 503-505, 1030 SchaarbeekCafés en bars
since 20152.246.581.762
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area231 m²
Buildings1
Building footprint102 m²
Volume (LiDAR)1,055 m³
Tallest building14.6 m · ±4 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

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.

Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21904B0432/00X002 Brussels 231 m² 1 · 102 m² 14.6 m · 4 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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts
All acts · 1 updated 2 years ago
2024
09-01-2024 Publication in the Belgian Official Gazette, Miscellaneous Miscellaneous·Joost DE POTTER
Summary: otherNotary: Joost DE POTTER · Saint-Josse-ten-Noode

Analysis

Snowflake analysis

financial profile on 5 axes
Health100Profitability100Solvency99Growth78Stability100
95 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100
Profitability 100
Solvency 99
Growth 78
Stability 100

Ask AI about this company

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AI due-diligence brief

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Credit advice

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 2,914 of the 21,776 companies in this sector. 1,209 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Eetgelegenheden met beperkte bediening56102Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden56112Cafés en bars56301Cafés en bars56301
Primary activity highlighted.
Names & trade names
Legal nameFR LICA
Registered office
Leuvensesteenweg 503-505
1030 Schaarbeek, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.