PESCAFRESCA
ActiveSummary
The computed 12-month bankruptcy probability of PESCAFRESCA is 2.3% (moderate). The 2024 annual accounts show equity of €85,416 and a net result of €21,469. Equity is growing by ~22.8% per year across the filed fiscal years. Its solvency ranks better than 57% of 26043 sector peers (fiscal year 2024). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability81▲+6
Solvency65▼-5
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days only on tighter terms
Liquidity tight (current ratio 1.5 against 1.53 in 2023; short-term debt: 49.5% and cash: 48.6% of total assets), and 59.6% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
40.4%
Return on assets
10.1%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-12-2025, 133 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
133 d late
2023
75 d late
2022
61 d late
2021
86 d late
2020
116 d late
2019
153 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 104 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Turnover
€174,958
EBIT margin
8.6%
Net result
€21,469▲ 203%
2023 · €7,078
Working capital
€51,878▲ 101%
2023 · €25,749
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, 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
Line20202021202220232024
Turnover
Operating result€77,190▲ 1,867%€7,586▼ 90.2%-€12,126€13,618€29,833▲ 119%
Net result€60,079above the sector's middle half▲ 2,333%€4,476within the sector's middle half▼ 92.5%-€13,013below the sector's middle half€7,078within the sector's middle half€21,469above the sector's middle half▲ 203%
EBIT margin
Equity€65,407within the sector's middle half▲ 158%€69,883within the sector's middle half▲ 6.8%€56,870within the sector's middle half▼ 18.6%€63,948within the sector's middle half▲ 12.4%€85,416within the sector's middle half▲ 33.6%
Total assets€137,050within the sector's middle half▲ 175%€122,887within the sector's middle half▼ 10.3%€113,231within the sector's middle half▼ 7.9%€141,993within the sector's middle half▲ 25.4%€211,659within the sector's middle half▲ 49.1%
Debt€71,643▲ 192%€53,004▼ 26.0%€56,360▲ 6.3%€78,045▲ 38.5%€126,242▲ 61.8%
Working capital€63,944within the sector's middle half▲ 183%€67,245within the sector's middle half▲ 5.2%€18,489within the sector's middle half▼ 72.5%€25,749within the sector's middle half▲ 39.3%€51,878within the sector's middle half▲ 101%
Solvency47.7%within the sector's middle half▼ 3.1pp56.9%within the sector's middle half▲ 9.1pp50.2%within the sector's middle half▼ 6.6pp45.0%within the sector's middle half▼ 5.2pp40.4%within the sector's middle half▼ 4.7pp
Current ratio1.89within the sector's middle half▼ 0.032.27within the sector's middle half▲ 0.381.33within the sector's middle half▼ 0.941.53within the sector's middle half▲ 0.201.50within the sector's middle half▼ 0.03
Return on assets (ROA)43.8%above the sector's middle half▲ 38.9pp3.6%within the sector's middle half▼ 40.2pp-11.5%below the sector's middle half▼ 15.1pp5.0%within the sector's middle half▲ 16.5pp10.1%within the sector's middle half▲ 5.2pp
Staff (FTE)0.3below the sector's middle half2.5▲ 733%2.5=1.8▼ 28.0%2.3▲ 27.8%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 119% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €211,659
Fixed assets
€55,088 ▼ 18.4%
Current assets
€156,571 ▲ 110%
Equity and liabilities €211,659
Equity
€85,416 ▲ 33.6%
Debt
€126,242 ▲ 61.8%
Debt's share of the balance-sheet total rises from 55.0% to 59.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€49,391▲
2023 · €26,255
Cash flow
€41,026▲
2023 · €19,715
Quick ratio
1.45▲
2023 · 1.39
Debt to equity
1.48▲
2023 · 1.22
ROE
25.1%▲
2023 · 11.1%
Interest coverage
18.40▲
2023 · 12.18
Debt ≤ 1 year
€104,693▲
2023 · €48,770
Debt > 1 year
€21,549▼
2023 · €29,275
Income taxes
€5,695▲
2023 · €4,384
Staff costs
€56,697▲
2023 · €54,453
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.3% 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 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 26,975 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €66,476 | €70,484 | €54,453 | €56,697 | ▲ 4.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,368 | €1,816 | €7,005 | €12,638 | €19,557 | ▲ 54.8% |
| Other operating charges640/8 | - | €1,476 | €2,214 | €6,025 | €3,380 | ▼ 43.9% |
| Gross operating margin9900 | €90,972 | €77,354 | €67,578 | €86,734 | €109,468 | ▲ 26.2% |
| Operating profit (loss)9901 | €77,190 | €7,586 | -€12,126 | €13,618 | €29,833 | ▲ 119% |
| Financial income75/76B | - | €0 | - | - | €14 | - |
| Recurring financial income75 | - | €0 | - | - | €14 | - |
| Financial charges65/66B | - | €239 | €468 | €2,156 | €2,684 | ▲ 24.5% |
| Recurring financial charges65 | €342 | €239 | €468 | €2,156 | €2,684 | ▲ 24.5% |
| Profit (loss) for the period before taxes9903 | €76,849 | €7,347 | -€12,594 | €11,462 | €27,163 | ▲ 137% |
| Income taxes67/77 | €16,770 | €2,870 | €419 | €4,384 | €5,695 | ▲ 29.9% |
| Profit (loss) for the period9904 | €60,079 | €4,476 | -€13,013 | €7,078 | €21,469 | ▲ 203% |
| Profit (loss) for the period to be appropriated9905 | €60,079 | €4,476 | -€13,013 | €7,078 | €21,469 | ▲ 203% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €137,050 | €122,887 | €113,231 | €141,993 | €211,659 | ▲ 49.1% |
| Fixed assets21/28 | €1,463 | €2,638 | €38,381 | €67,474 | €55,088 | ▼ 18.4% |
| Tangible fixed assets22/27 | €1,367 | €2,542 | €38,285 | €67,378 | €54,992 | ▼ 18.4% |
| Plant, machinery and equipment23 | - | - | - | €30,049 | €23,387 | ▼ 22.2% |
| Furniture and vehicles24 | - | €2,542 | €38,285 | €37,329 | €31,604 | ▼ 15.3% |
| Financial fixed assets28 | €96 | €96 | €96 | €96 | €96 | = |
| Current assets29/58 | €135,586 | €120,249 | €74,849 | €74,519 | €156,571 | ▲ 110% |
| Amounts receivable after more than one year29 | - | - | - | €8,692 | €8,692 | = |
| Trade receivables290 | - | - | - | €8,692 | €8,692 | = |
| Stocks and contracts in progress3 | €3,500 | €3,850 | €8,580 | €6,730 | €4,910 | ▼ 27.0% |
| Stocks30/36 | - | €3,850 | €8,580 | €6,730 | €4,910 | ▼ 27.0% |
| Amounts receivable within one year40/41 | €15,487 | €10,491 | €23,888 | €8,995 | €35,793 | ▲ 298% |
| Trade receivables40 | - | €8,692 | €9,491 | - | €32,563 | - |
| Other amounts receivable41 | - | €1,799 | €14,397 | €8,995 | €3,230 | ▼ 64.1% |
| Cash at bank and in hand54/58 | €111,195 | €105,908 | €42,381 | €47,587 | €102,864 | ▲ 116% |
| Deferred charges and accrued income490/1 | - | - | - | €2,515 | €4,311 | ▲ 71.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €137,050 | €122,887 | €113,231 | €141,993 | €211,659 | ▲ 49.1% |
| Equity10/15 | €65,407 | €69,883 | €56,870 | €63,948 | €85,416 | ▲ 33.6% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Issued capital100 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Non-distributable reserves130/1 | - | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Legal reserve130 | - | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Profit (loss) carried forward14 | €44,807 | €49,283 | €36,270 | €43,348 | €64,816 | ▲ 49.5% |
| Amounts payable17/49 | €71,643 | €53,004 | €56,360 | €78,045 | €126,242 | ▲ 61.8% |
| Amounts payable after more than one year17 | - | - | - | €29,275 | €21,549 | ▼ 26.4% |
| Financial debts170/4 | - | - | - | €29,275 | €21,549 | ▼ 26.4% |
| Amounts payable within one year42/48 | €71,643 | €53,004 | €56,360 | €48,770 | €104,693 | ▲ 115% |
| Current portion of amounts payable after more than one year42 | - | - | - | €7,260 | €7,726 | ▲ 6.4% |
| Trade debts44 | €29,134 | €8,780 | €45,194 | €32,435 | €80,527 | ▲ 148% |
| Suppliers440/4 | - | €8,780 | €45,194 | €32,435 | €80,527 | ▲ 148% |
| Taxes, remuneration and social security45 | - | €43,708 | €11,166 | €9,074 | €16,440 | ▲ 81.2% |
| Taxes450/3 | - | €20,067 | €3,588 | €5,013 | €15,029 | ▲ 200% |
| Remuneration and social security454/9 | - | €23,641 | €7,578 | €4,061 | €1,411 | ▼ 65.2% |
| Other amounts payable47/48 | - | €516 | - | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €60,079 | €4,476 | -€13,013 | €7,078 | €21,469 | ▲ 203% |
| + Depreciation and write-downs630 | €1,368 | €1,816 | €7,005 | €12,638 | €19,557 | ▲ 54.8% |
| Operating cash flow (approximation) | €61,446 | €6,293 | -€6,008 | €19,715 | €41,026 | ▲ 108% |
| Investment in fixed assets (approximation) | - | -€2,991 | -€42,748 | -€41,730 | -€7,171 | ▲ 82.8% |
| Change in cash | - | -€5,287 | -€63,527 | €5,205 | €55,278 | ▲ 962% |
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
2025
11-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 133 days late
2024
14-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 75 days late
2023
31-12
Financial
Back to profitnet €7,078
Net result €7,078 after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
31-12
Financial
Weakest financial yearnet -€13,013
Net result drops to -€13,013, the lowest in the series; recovery starts the following year.
25-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 86 days late
2021
24-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 116 days late
2020
31-12
Financial
Highest result since 2018net €60,079 ▲2,333%
Operating result €77,190, net result €60,079, both a record.
31-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 153 days late
2019
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · full 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.
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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, Schaarbeek · 2 establishment units since 2017
Ground area
394 m²
Building footprint
224 m²
Volume, LiDAR
1,641 m³
2 parcels, Brussels · tallest building 14.5 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
PESCAFRESCA
since 20172.264.454.706
Pescafresca
since 20212.325.851.449
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21006A0369/00K000 | Brussels | 312 m² | 1 · 142 m² | 10.6 m · 3 fl. |
| 21902A0233/00R004 | Brussels | 82 m² | 1 · 82 m² | 14.5 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
1 siteSchaarbeek2.264.454.706
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Of 466 companies in sector 47230 we hold annual accounts for 269. 218 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)
Founded10-05-2017
Fiscal year end31-12
Activities, NACEBEL 2025
47230Retail trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0675606879
Also
9925:BE0675606879
Registered
28-04-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.