OBRA CATERING
ActiveThe computed 12-month bankruptcy probability of OBRA CATERING is 3.8% (moderate). The 2025 annual accounts show equity of €68k and a net result of €46k. Its solvency ranks better than 65% of 13071 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
86
/ 100
Excellent▲ +3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency92▲+26
Growth52
Stability82
Bankruptcy probability, 12 months
3.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Liquidity ample (current ratio 1.98 against 1.81 in 2024), but 52.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · Young company
A young company has little track record yet and statistically fails more often than an established one.
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
47.4%
Return on assets
32.3%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
4 d early
2024
7 d early
← before the deadline
after the deadline →
neutral · 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.
Companies Code · seven monthsPosition in the running window
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€68k▲ 214%
2024 · €22k
2024: €22k
2024 → 2025
Total assets
€143k▲ 101%
2024 · €71k
2024: €71k
2024 → 2025
Net result
€46k▼ 24.9%
2024 · €62k
2024: €62k
2024 → 2025
Working capital
€65k▲ 107%
2024 · €32k
2024: €32k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€22k-€68k▲ 214%
Operating result€78k-€62k▼ 20.0%
Net result€62k-€46k▼ 24.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 20% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €143k
Fixed assets
€12k▲ 1,066%
Current assets
€132k▲ 87.5%
Equity and liabilities €143k
Equity
€68k▲ 214%
Debt
€75k▲ 52.1%
The debt ratio falls from 69.6% to 52.6%: equity grows faster than debt.
Key figures and ratios
EBITDA
€63k▼
2024 · €79k
Cash flow
€47k▼
2024 · €63k
Solvency
47.4%▲
2024 · 30.4%
Current ratio
1.98▲
2024 · 1.81
Quick ratio
1.98▲
2024 · 1.81
Debt / equity
1.11▼
2024 · 2.29
ROE
68.1%▼
2024 · 284.5%
ROA
32.3%▼
2024 · 86.6%
Interest coverage
176.70▼
2024 · 1876.44
Debt
€75k▲
2024 · €50k
Debt ≤ 1 year
€66k▲
2024 · €39k
Debt > 1 year
€9k
Income taxes
€16k▲
2024 · €16k
Staff costs
€49k▲
2024 · €27k
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€71k€143k▲
Fixed assets21/28€1k€12k▲
Tangible fixed assets22/27€1k€12k▲
Plant, machinery and equipment23€1k€12k▲
Current assets29/58€70k€132k▲
Amounts receivable within one year40/41€7k€38k▲
Trade receivables40€7k€4k▼
Other amounts receivable41-€34k
Cash at bank and in hand54/58€63k€93k▲
Deferred charges and accrued income490/1€243€566▲
Equity and liabilities
Total equity and liabilities10/49€71k€143k▲
Equity10/15€22k€68k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€2k€48k▲
Amounts payable17/49€50k€75k▲
Amounts payable after more than one year17-€9k
Financial debts170/4-€9k
Amounts payable within one year42/48€39k€66k▲
Current portion of amounts payable after more than one year42-€3k
Trade debts44€9k€13k▲
Suppliers440/4€9k€13k▲
Taxes, remuneration and social security45€29k€50k▲
Taxes450/3€24k€41k▲
Remuneration and social security454/9€6k€10k▲
Other amounts payable47/48€360€360=
Accrued charges and deferred income492/3€11k-
Income statement
Code20242025
Non-recurring operating income76A-€9k
Remuneration, social security and pensions62€27k€49k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Other operating charges640/8€98€213▲
Gross operating margin9900€106k€112k▲
Operating profit (loss)9901€78k€62k▼
Financial income75/76B€76€641▲
Recurring financial income75€76€641▲
Financial charges65/66B€42€357▲
Recurring financial charges65€42€357▲
Profit (loss) for the period before taxes9903€78k€62k▼
Income taxes67/77€16k€16k▲
Profit (loss) for the period9904€62k€46k▼
Profit (loss) for the period to be appropriated9905€62k€46k▼
Appropriation of the result
Profit (loss) to be appropriated9906€62k€48k▼
Profit (loss) brought forward from the previous period14P-€2k
Profit to be distributed694/7€60k-
Return on contributions (dividend)694€60k-
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
Next filing, fiscal year 2026, expected by
2026
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Lierneux · 1 establishment unit since 2024
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.
Bra, Sur les Fâts 334990 LierneuxGround area
1,025 m²
Building footprint
134 m²
Volume, LiDAR
855 m³
Parcel 63011B1511/00B000, Wallonia · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
OBRA CATERING
since 20242.354.472.981
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63011B1511/00B000 | Wallonia | 1,025 m² | 1 · 134 m² | 8.2 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 siteLierneux2.354.472.981
Similar companies · same sector, comparable size
LES DEUX FRANGINS
BE 0826.906.291
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SIWEL
BE 0797.292.884
Wellen · Eq €68k
LOJO
BE 0739.666.669
Heuvelland · Eq €68k
ABBEY STREET
BE 0865.932.064
Sint-Truiden · Eq €68k
L'ARLECCHINO
BE 0478.159.322
Couvin · Eq €68k
Of 20,232 companies in sector 56111 we hold annual accounts for 11,312. 9,733 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-01-2024
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
56210Event catering
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.