Pépites Traiteur

Active

Private limited companyfounded 20251 yr activeVoie des Chasseurs à Cheval 27, 1300 Wavre, BelgiumKBO/BCE: BE 1019.906.005

The computed 12-month bankruptcy probability of Pépites Traiteur is 2.4% (moderate). The 2025 annual accounts show equity of €45k and a net result of €25k. Its solvency ranks better than 95% of 13061 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

93 / 100

Excellent

The score combines four axes. Every signal that weighs is under Signals.

Axes

Profitability100

Solvency100

Growth-

Stability67

Bankruptcy probability, 12 months

2.4% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €4k at 30 days acceptable

Liquidity ample (current ratio 10.45), and 3.7% of the assets are financed with debt.

How do we compute the score and the probability?

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

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 →

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

96.3%

Return on assets

53.6%

Age of the figures

8 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 1 filing

Deviation from the deadline

2025

24 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€45k

Total assets

€47k

Net result

€25k

Working capital

€16k

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition

Assets €46k

60.4%

39.6%

Fixed assets €28k

Current assets €18k

Equity and liabilities €47k

96.3%

Equity €45k

Debt €2k

Debt finances 3.7% of the balance-sheet total.

Key figures and ratios

2025 value

EBITDA

€33k

Cash flow

€26k

Solvency

96.3%

Current ratio

10.45

Quick ratio

9.64

Debt / equity

0.04

ROE

55.7%

ROA

53.6%

Interest coverage

920.36

Debt

€2k

Debt ≤ 1 year

€2k

Income taxes

€7k

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€47k

Formation expenses20€834

Fixed assets21/28€28k

Tangible fixed assets22/27€28k

Plant, machinery and equipment23€28k

Current assets29/58€18k

Stocks and contracts in progress3€1k

Stocks30/36€1k

Amounts receivable within one year40/41€7k

Trade receivables40€2k

Other amounts receivable41€5k

Cash at bank and in hand54/58€9k

Deferred charges and accrued income490/1€130

Equity and liabilities

Total equity and liabilities10/49€47k

Equity10/15€45k

Contributions10/11€20k

Reserves13€5k

Distributable reserves133€5k

Profit (loss) carried forward14€20k

Amounts payable17/49€2k

Amounts payable within one year42/48€2k

Trade debts44€652

Suppliers440/4€652

Taxes, remuneration and social security45€1k

Taxes450/3€1k

Income statement Code2025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€979

Other operating charges640/8€674

Gross operating margin9900€34k

Operating profit (loss)9901€32k

Financial income75/76B€0

Recurring financial income75€0

Financial charges65/66B€36

Recurring financial charges65€36

Profit (loss) for the period before taxes9903€32k

Income taxes67/77€7k

Profit (loss) for the period9904€25k

Profit (loss) for the period to be appropriated9905€25k

Appropriation of the result

Profit (loss) to be appropriated9906€25k

Transfer to equity691/2€5k

To other reserves6921€5k

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2026

24-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 24 days late

NBB filing

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, Wavre · 1 establishment unit since 2025

establishment The establishment unit on the map

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.

Voie des Chasseurs à Cheval 271300 Wavre

Ground area

3,784 m²

Building footprint

353 m²

Volume, LiDAR

1,958 m³

2 parcels, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Pépites Traiteur

Rue du Vallon 7, 1380 LasneManufacture of food products

since 20252.370.120.863

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
25772K0102/00A011	Wallonia	1,919 m²	1 · 179 m²	8.1 m · 2 fl.
25076A0413/00S000	Wallonia	1,865 m²	1 · 174 m²	8.3 m · 2 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

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

1 site

Lasne2.370.120.863

1 permission

Toelating · Traiteur · since 27-08-2025

Similar companies · same sector, comparable size

Of 20,231 companies in sector 56111 we hold annual accounts for 11,313. 9,670 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded12-02-2025

Fiscal year end31-12

Activities, NACEBEL

56111Full-service restaurants

10711Manufacture of food products

10712Artisanal bread and fresh pastry making

10720Manufacture of food products

56210Event catering

85599Other education

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.