MISPELTER
ActiveSummary
The computed 12-month bankruptcy probability of MISPELTER is 1.7% (moderate). The 2025 annual accounts show equity of €24,748 and a net result of €4,092. Equity is growing by ~22.8% per year across the filed fiscal years. Its solvency ranks better than 48% of 13604 sector peers (fiscal year 2025). The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability75▲+34
Solvency53▲+6
Growth32=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity tight (current ratio 1.32 against 1.42 in 2024; short-term debt: 48.1% and cash: 34.5% of total assets), and 72.1% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four 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
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 16-02-2026, 16 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
16 d late
2024
322 d late
2023
29 d late
2022
on the day
2021
199 d late
2020
25 d late
2019
60 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 93 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 52% of the sector filed late.
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 close28-09-2026 today31-01-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€24,748▲ 19.8%
2024 · €20,656
Total assets
€88,854▼ 4.1%
2024 · €92,639
Net result
€4,092
2024 · -€2,892
Working capital
€13,869▼ 14.2%
2024 · €16,164
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€10,745€6,726▼ 37.4%€16,965▲ 152%€1,210▼ 92.9%€9,136▲ 655%
Net result€11,957within the sector's middle half€5,851within the sector's middle half▼ 51.1%€12,294within the sector's middle half▲ 110%-€2,892within the sector's middle half€4,092within the sector's middle half
Equity€5,404within the sector's middle half€11,255within the sector's middle half▲ 108%€23,549within the sector's middle half▲ 109%€20,656within the sector's middle half▼ 12.3%€24,748within the sector's middle half▲ 19.8%
Total assets€37,552below the sector's middle half▼ 25.7%€34,627below the sector's middle half▼ 7.8%€60,193within the sector's middle half▲ 73.8%€92,639within the sector's middle half▲ 53.9%€88,854within the sector's middle half▼ 4.1%
Debt€32,148▼ 43.7%€23,372▼ 27.3%€36,645▲ 56.8%€71,982▲ 96.4%€64,106▼ 10.9%
Working capital-€18,814within the sector's middle half▲ 46.0%-€4,249within the sector's middle half▲ 77.4%€19,650within the sector's middle half€16,164within the sector's middle half▼ 17.7%€13,869within the sector's middle half▼ 14.2%
Solvency14.4%within the sector's middle half▲ 27.4pp32.5%within the sector's middle half▲ 18.1pp39.1%within the sector's middle half▲ 6.6pp22.3%within the sector's middle half▼ 16.8pp27.9%within the sector's middle half▲ 5.6pp
Current ratio0.41below the sector's middle half▲ 0.020.82within the sector's middle half▲ 0.401.64within the sector's middle half▲ 0.821.42within the sector's middle half▼ 0.221.32within the sector's middle half▼ 0.10
Return on assets (ROA)31.8%above the sector's middle half▲ 93.8pp16.9%above the sector's middle half▼ 14.9pp20.4%above the sector's middle half▲ 3.5pp-3.1%within the sector's middle half▼ 23.5pp4.6%within the sector's middle half▲ 7.7pp
Staff (FTE)2▼ 41.2%1▼ 50.0%1=0.5▼ 50.0%0.3▼ 40.0%
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 655% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €88,854
Fixed assets
€32,225 ▼ 15.4%
Current assets
€56,629 ▲ 3.8%
Equity and liabilities €88,854
Equity
€24,748 ▲ 19.8%
Debt
€64,106 ▼ 10.9%
Debt's share of the balance-sheet total falls from 77.7% to 72.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€21,088▲
2024 · €8,507
Cash flow
€16,044▲
2024 · €4,405
Debt to equity
2.59▼
2024 · 3.48
ROE
16.5%▲
2024 · -14.0%
Interest coverage
7.90▲
2024 · 3.10
Debt ≤ 1 year
€42,760▲
2024 · €38,401
Debt > 1 year
€21,346▼
2024 · €33,581
Income taxes
€2,451▲
2024 · €1,378
Staff costs
€10,508▼
2024 · €31,475
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,980 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 96% are still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a profit under 5% of the balance sheet
1.1%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,980 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €27,885 | €29,265 | €52,067 | €31,475 | €10,508 | ▼ 66.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9,583 | €8,714 | €5,577 | €7,297 | €11,952 | ▲ 63.8% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €26,697 | - | - | - | - |
| Other operating charges640/8 | - | €2,223 | €12,935 | €9,289 | €2,599 | ▼ 72.0% |
| Gross operating margin9900 | €48,213 | €73,625 | €87,544 | €49,271 | €34,195 | ▼ 30.6% |
| Operating profit (loss)9901 | €10,745 | €6,726 | €16,965 | €1,210 | €9,136 | ▲ 655% |
| Financial income75/76B | €851 | - | - | €22 | €77 | ▲ 241% |
| Recurring financial income75 | €851 | - | - | €22 | €77 | ▲ 241% |
| Financial charges65/66B | €41 | €875 | €2,779 | €2,746 | €2,670 | ▼ 2.8% |
| Recurring financial charges65 | €41 | €875 | €2,779 | €2,746 | €2,670 | ▼ 2.8% |
| Profit (loss) for the period before taxes9903 | €11,555 | €5,851 | €14,186 | -€1,514 | €6,543 | ▲ 532% |
| Income taxes67/77 | -€402 | - | €1,892 | €1,378 | €2,451 | ▲ 77.9% |
| Profit (loss) for the period9904 | €11,957 | €5,851 | €12,294 | -€2,892 | €4,092 | ▲ 241% |
| Profit (loss) for the period to be appropriated9905 | €11,957 | €5,851 | €12,294 | -€2,892 | €4,092 | ▲ 241% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €37,552 | €34,627 | €60,193 | €92,639 | €88,854 | ▼ 4.1% |
| Fixed assets21/28 | €24,218 | €15,504 | €9,927 | €38,074 | €32,225 | ▼ 15.4% |
| Tangible fixed assets22/27 | €24,218 | €15,504 | €9,927 | €38,074 | €31,919 | ▼ 16.2% |
| Plant, machinery and equipment23 | €10,226 | €5,293 | €3,470 | €9,485 | €11,526 | ▲ 21.5% |
| Furniture and vehicles24 | €12,425 | €9,091 | €5,785 | €28,365 | €20,393 | ▼ 28.1% |
| Other tangible fixed assets26 | €1,567 | €1,119 | €672 | €224 | - | - |
| Financial fixed assets28 | - | - | - | - | €306 | - |
| Current assets29/58 | €13,334 | €19,123 | €50,267 | €54,565 | €56,629 | ▲ 3.8% |
| Amounts receivable within one year40/41 | €4,411 | €13,042 | €12,771 | €20,870 | €18,786 | ▼ 10.0% |
| Trade receivables40 | €2,026 | €11,187 | €8,301 | €5,651 | €3,022 | ▼ 46.5% |
| Other amounts receivable41 | €2,384 | €1,854 | €4,470 | €15,218 | €15,765 | ▲ 3.6% |
| Current investments50/53 | €5,880 | €5,880 | €5,880 | €5,880 | €5,880 | = |
| Cash at bank and in hand54/58 | €3,044 | €126 | €31,556 | €27,753 | €30,652 | ▲ 10.4% |
| Deferred charges and accrued income490/1 | - | €75 | €59 | €62 | €1,311 | ▲ 2,030% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €37,552 | €34,627 | €60,193 | €92,639 | €88,854 | ▼ 4.1% |
| Equity10/15 | €5,404 | €11,255 | €23,549 | €20,656 | €24,748 | ▲ 19.8% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €2,298 | €2,298 | €2,298 | €2,298 | €2,298 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €438 | €438 | €438 | €438 | €438 | = |
| Profit (loss) carried forward14 | -€15,495 | -€9,643 | €2,651 | -€242 | €3,850 | ▲ 1,693% |
| Amounts payable17/49 | €32,148 | €23,372 | €36,645 | €71,982 | €64,106 | ▼ 10.9% |
| Amounts payable after more than one year17 | - | - | €6,028 | €33,581 | €21,346 | ▼ 36.4% |
| Financial debts170/4 | - | - | €6,028 | €33,581 | €21,346 | ▼ 36.4% |
| Amounts payable within one year42/48 | €32,148 | €23,372 | €30,617 | €38,401 | €42,760 | ▲ 11.4% |
| Current portion of amounts payable after more than one year42 | - | €3,598 | €9,253 | €18,194 | €18,264 | ▲ 0.4% |
| Financial debts43 | €3,184 | - | - | - | €3,942 | - |
| Credit institutions430/8 | €3,184 | - | - | - | €3,942 | - |
| Trade debts44 | €26,602 | €3,958 | €6,085 | €6,045 | €13,132 | ▲ 117% |
| Suppliers440/4 | €26,602 | €3,958 | €6,085 | €6,045 | €13,132 | ▲ 117% |
| Taxes, remuneration and social security45 | €2,363 | €15,066 | €14,189 | €13,590 | €6,474 | ▼ 52.4% |
| Taxes450/3 | €173 | €13,315 | €8,922 | €9,939 | €4,615 | ▼ 53.6% |
| Remuneration and social security454/9 | €2,190 | €1,751 | €5,266 | €3,651 | €1,859 | ▼ 49.1% |
| Other amounts payable47/48 | - | €749 | €1,090 | €572 | €949 | ▲ 65.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €11,957 | €5,851 | €12,294 | -€2,892 | €4,092 | ▲ 241% |
| + Depreciation and write-downs630 | €9,583 | €8,714 | €5,577 | €7,297 | €11,952 | ▲ 63.8% |
| Operating cash flow (approximation) | €21,540 | €14,566 | €17,870 | €4,405 | €16,044 | ▲ 264% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€35,444 | -€6,103 | ▲ 82.8% |
| Change in cash | - | -€2,918 | €31,430 | -€3,803 | €2,899 | ▲ 176% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
16-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 16 days late
2025
19-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 322 days late
30-06
Financial
Back to profitnet €4,092
Net result €4,092 after one loss-making year.
2024
29-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
30-06
Financial
Highest result since 2019net €12,294 ▲110%
Operating result €16,965, net result €12,294, both a record.
30-06
Financial
Liquidity doublescurrent ratio 1.64
Current ratio from 0.82 to 1.64.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 199 days late
2021
30-06
Financial
Back to profitnet €11,957
Net result €11,957 after one loss-making year.
25-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
30-06
Financial
Weakest financial yearnet -€31,334
Net result drops to -€31,334, the lowest in the series; recovery starts the following year.
31-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
Show earlier events
2019
28-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
18-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
03-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
1 act for this company is 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, Vilvoorde · 2 establishment units since 2002
Ground area
984 m²
Building footprint
566 m²
Volume, LiDAR
6,113 m³
2 parcels, Flanders · tallest building 18.8 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
Stropelleke
since 20022.115.177.545
Fast Food Stropelleke
since 20242.366.688.944
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23642D0853/00C005 | Flanders | 702 m² | 1 · 281 m² | 18.8 m · 5 fl. |
| 23642D0853/00D005 | Flanders | 282 m² | 1 · 286 m² | 11.8 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 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
2 sitesVilvoorde2.115.177.545
Vilvoorde2.366.688.944
Similar companies · same sector, comparable size
EETKAFFEE DIJLEMOLENS
BE 0886.829.824
Leuven · Eq €24,749
Kloda
BE 0777.652.562
Antwerpen · Eq €24,739
Mister 100
BE 0769.475.957
Lier · Eq €24,732
PAVILLON CHINOIS
BE 0476.402.434
Spa · Eq €24,772
NATOLI
BE 0778.583.564
Rochefort · Eq €24,718
Of 20,505 companies in sector 56111 we hold annual accounts for 11,464. 9,180 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded04-07-2002
Fiscal year end30-06
Activities, NACEBEL 2025
56111Full-service restaurants
56301Cafés and bars
E-invoicing
Reachable via Peppol
Peppol ID
0208:0477891284
Registered
20-11-2020
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.