LIZ-A
ActiveThe computed 12-month bankruptcy probability of LIZ-A is 3.3% (moderate). The 2025 annual accounts show equity of €191k and a net result of €7k. Equity is growing by ~22.3% per year across the filed fiscal years. Its solvency ranks better than 52% of 13009 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
67
/ 100
Healthy▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability56▲+20
Solvency47▼-11
Growth85▲+17
Stability94
Bankruptcy probability, 12 months
3.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity short (current ratio 0.86 against 1.56 in 2024), and 67.8% 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 · 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
32.2%
Return on assets
1.2%
Age of the figures
13 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-07-2025 was due by 28-02-2026 and was filed on 26-02-2026, 2 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
2 d early
2024
17 d early
2023
7 d early
2022
38 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-07-2026 and is due by 28-02-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-07-2026 close12-09-2026 today28-02-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€152k▲ 7.4%
2024 · €142k
2022: €25k
2023: €81k
2024: €142k
2022 → 2025
EBIT margin
13.9%▲ 4.2pp
2024 · 9.7%
2022: -6.7%
2023: -27.5%
2024: 9.7%
2022 → 2025
Net result
€7k
2024 · €-5k
2022: €-2k
2023: €-30k
2024: €-5k
2022 → 2025
Working capital
€-4k
2024 · €14k
2022: €9k
2023: €-95k
2024: €14k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€25k-€81k▲ 223%€142k▲ 75.7%€152k▲ 7.4%
Equity€108k-€79k▼ 27.4%€184k▲ 134%€191k▲ 3.9%
Operating result€-2k-€-22k▼ 1,228%€14k€21k▲ 54.4%
Net result€-2k-€-30k▼ 1,661%€-5k▲ 83.2%€7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 54% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €593k
Fixed assets
€568k▼ 3.9%
Current assets
€24k▼ 39.8%
Equity and liabilities €593k
Equity
€191k▲ 3.9%
Debt
€402k▼ 10.3%
The debt ratio falls from 70.9% to 67.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€44k▲
2024 · €37k
Cash flow
€30k▲
2024 · €18k
Solvency
32.2%▲
2024 · 29.1%
Current ratio
0.86▼
2024 · 1.56
Quick ratio
0.86▼
2024 · 1.56
Debt / equity
2.10▼
2024 · 2.44
ROE
3.8%▲
2024 · -2.7%
ROA
1.2%▲
2024 · -0.8%
Interest coverage
3.15▲
2024 · 1.96
Debt
€402k▼
2024 · €448k
Debt ≤ 1 year
€28k▲
2024 · €26k
Debt > 1 year
€373k▼
2024 · €422k
Staff costs
€-2k▼
2024 · €9k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€632k€593k▼
Fixed assets21/28€591k€568k▼
Tangible fixed assets22/27€591k€568k▼
Land and buildings22€552k€537k▼
Plant, machinery and equipment23€25k€22k▼
Furniture and vehicles24€14k€9k▼
Financial fixed assets28€280€280=
Current assets29/58€40k€24k▼
Amounts receivable within one year40/41€3k€1k▼
Trade receivables40-€425
Other amounts receivable41€3k€686▼
Cash at bank and in hand54/58€36k€23k▼
Deferred charges and accrued income490/1€966-
Equity and liabilities
Total equity and liabilities10/49€632k€593k▼
Equity10/15€184k€191k▲
Contributions10/11€220k€220k=
Capital10€220k€220k=
Issued capital100€220k€220k=
Profit (loss) carried forward14€-36k€-29k▲
Amounts payable17/49€448k€402k▼
Amounts payable after more than one year17€422k€373k▼
Financial debts170/4€422k€373k▼
Amounts payable within one year42/48€26k€28k▲
Current portion of amounts payable after more than one year42€17k€19k▲
Trade debts44€1k€309▼
Suppliers440/4€1k€309▼
Taxes, remuneration and social security45€3k€1k▼
Taxes450/3€1k€1k▲
Remuneration and social security454/9€2k-
Other amounts payable47/48€5k€8k▲
Income statement
Code20242025
Turnover70€142k€152k▲
Non-recurring operating income76A€13k€13k▲
Goods, raw materials, services and sundry goods60/61€106k€117k▲
Remuneration, social security and pensions62€9k€-2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€23k=
Other operating charges640/8€3k€5k▲
Gross operating margin9900€49k€48k▼
Operating profit (loss)9901€14k€21k▲
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Non-recurring financial income76B€0€0▲
Financial charges65/66B€19k€14k▼
Recurring financial charges65€19k€14k▼
Non-recurring financial charges66B€19k€14k▼
Profit (loss) for the period before taxes9903€-5k€7k▲
Profit (loss) for the period9904€-5k€7k▲
Profit (loss) for the period to be appropriated9905€-5k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-36k€-29k▲
Profit (loss) brought forward from the previous period14P€-31k€-36k▼
The notes to these accounts (5 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
26-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
Financial
Back to profitnet €7k
Net result €7k after 3 loss-making years.
11-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
Financial
Liquidity times 17current ratio 1.56
Current ratio from 0.09 to 1.56; short-term debt falls from €105k to €26k.
31-07
Financial
Equity above €150kEq €184k ▲134%
Equity rises from €79k to €184k.
22-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
Financial
Weakest financial yearnet €-30k
Net result drops to €-30k, the lowest in the series; recovery starts the following year.
21-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro 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, Schelle · 1 establishment unit since 2020
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.
Peperstraat 12627 SchelleGround area
663 m²
Building footprint
543 m²
Volume, LiDAR
263 m³
Parcel 11038A0208/00T002, Flanders · tallest building 7.2 m. Linked by address, not a title deed.
1 establishment unit
LIZ-A
since 20202.313.023.792
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11038A0208/00T002 | Flanders | 663 m² | 1 · 543 m² | 7.2 m |
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.
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MISTARA
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HAU WANG
BE 0430.468.380
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Trattoria della mamma
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GLG Trading
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Of 20,234 companies in sector 56111 we hold annual accounts for 11,308. 8,539 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-2020
Fiscal year end31-07
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.