Pic-à-dent
ActiveSummary
Pic-à-dent has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €413k and a net result of €65k. Equity is growing by ~36% per year across the filed fiscal years. Its solvency ranks better than 55% of 13305 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-6
Solvency61▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.19 against 1.21 in 2024; short-term debt: 18.9% and cash: 16.7% of total assets), and 64.2% of the assets are financed with debt.
Credit advice for your own amount and term
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
Sector 56
higher
← 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
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
35.8%
Return on assets
5.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
68 d late
2023
51 d late
2022
67 d late
2021
89 d late
2020
111 d late
2019
91 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€413k▲ 18.8%
2024 · €348k
2018: €53k
2019: €63k
2020: €92k
2021: €178k
2022: €201k
2023: €236k
2024: €348k
2018 → 2025
Total assets
€1.15M▲ 8.7%
2024 · €1.06M
2018: €1.07M
2019: €1.03M
2020: €971k
2021: €1.07M
2022: €1.08M
2023: €1.02M
2024: €1.06M
2018 → 2025
Net result
€65k▼ 41.4%
2024 · €111k
2018: €1k
2019: €10k
2020: €29k
2021: €86k
2022: €23k
2023: €35k
2024: €111k
2018 → 2025
Working capital
€42k▲ 26.6%
2024 · €33k
2018: €-202k
2019: €-210k
2020: €-87k
2021: €-44k
2022: €-67k
2023: €-43k
2024: €33k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€178k-€201k▲ 13.0%€236k▲ 17.6%€348k▲ 47.2%€413k▲ 18.8%
Operating result€140k-€70k▼ 50.2%€61k▼ 12.0%€182k▲ 197%€107k▼ 41.4%
Net result€86k-€23k▼ 73.3%€35k▲ 53.0%€111k▲ 216%€65k▼ 41.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 41% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.15M
Fixed assets
€894k ▲ 2.9%
Current assets
€259k ▲ 35.4%
Equity and liabilities €1.15M
Equity
€413k ▲ 18.8%
Debt
€741k ▲ 3.8%
Debt's share of the balance-sheet total falls from 67.2% to 64.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€153k▼
2024 · €222k
Cash flow
€111k▼
2024 · €152k
Current ratio
1.19▼
2024 · 1.21
Quick ratio
1.18▼
2024 · 1.19
Debt to equity
1.79▼
2024 · 2.05
ROE
15.8%▼
2024 · 32.0%
ROA
5.7%▼
2024 · 10.5%
Interest coverage
12.30▼
2024 · 18.64
Debt ≤ 1 year
€218k▲
2024 · €159k
Debt > 1 year
€523k▼
2024 · €553k
Income taxes
€31k▼
2024 · €47k
Staff costs
€362k▲
2024 · €342k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.06M€1.15M▲
Fixed assets21/28€870k€894k▲
Tangible fixed assets22/27€857k€882k▲
Land and buildings22€762k€771k▲
Plant, machinery and equipment23€61k€82k▲
Furniture and vehicles24€14k€12k▼
Other tangible fixed assets26€21k€17k▼
Financial fixed assets28€13k€13k=
Current assets29/58€192k€259k▲
Stocks and contracts in progress3€3k€4k▲
Stocks30/36€3k€4k▲
Amounts receivable within one year40/41€50k€56k▲
Trade receivables40€25k€11k▼
Other amounts receivable41€25k€45k▲
Cash at bank and in hand54/58€133k€193k▲
Deferred charges and accrued income490/1€6k€7k▲
Equity and liabilities
Total equity and liabilities10/49€1.06M€1.15M▲
Equity10/15€348k€413k▲
Contributions10/11€19k€19k=
Reserves13€4k€44k▲
Distributable reserves133€4k€44k▲
Profit (loss) carried forward14€325k€351k▲
Amounts payable17/49€714k€741k▲
Amounts payable after more than one year17€553k€523k▼
Financial debts170/4€553k€523k▼
Amounts payable within one year42/48€159k€218k▲
Current portion of amounts payable after more than one year42€58k€59k▲
Financial debts43-€8k
Credit institutions430/8-€8k
Trade debts44€17k€47k▲
Suppliers440/4€17k€47k▲
Taxes, remuneration and social security45€66k€87k▲
Taxes450/3€64k€86k▲
Remuneration and social security454/9€2k€822▼
Other amounts payable47/48€18k€17k▼
Accrued charges and deferred income492/3€2k-
Income statement
Code20242025
Remuneration, social security and pensions62€342k€362k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€46k▲
Other operating charges640/8€8k€7k▼
Gross operating margin9900€572k€521k▼
Operating profit (loss)9901€182k€107k▼
Financial income75/76B€914€2k▲
Recurring financial income75€914€2k▲
Financial charges65/66B€24k€12k▼
Recurring financial charges65€12k€12k▲
Non-recurring financial charges66B€13k-
Profit (loss) for the period before taxes9903€158k€96k▼
Income taxes67/77€47k€31k▼
Profit (loss) for the period9904€111k€65k▼
Profit (loss) for the period to be appropriated9905€111k€65k▼
Appropriation of the result
Profit (loss) to be appropriated9906€325k€391k▲
Profit (loss) brought forward from the previous period14P€214k€325k▲
Transfer to equity691/2-€40k
To other reserves6921-€40k
The notes to these accounts (10 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
07-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 68 days late
2024
31-12
Financial
Highest result since 2018net €111k ▲216%
Operating result €182k, net result €111k, both a record.
20-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 51 days late
2023
06-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 67 days late
2022
31-12
Financial
Equity above €200kEq €201k ▲13%
5 profitable years in a row build equity to €201k.
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 89 days late
2021
31-12
Financial
Equity above €150kEq €178k ▲94.1%
4 profitable years in a row build equity to €178k.
19-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 111 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
24-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 85 days late
2018
18-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 79 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 59 days late
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, Antwerpen · 1 establishment unit since 2007
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.
Oudevaartplaats 102000 AntwerpenGround area
85 m²
Building footprint
85 m²
Volume, LiDAR
1,063 m³
Parcel 11803C0922/00L002, Flanders · tallest building 16.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
BARNINI
since 20072.163.701.301
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11803C0922/00L002 | Flanders | 85 m² | 1 · 85 m² | 16.6 m · 5 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 siteAntwerpen2.163.701.301
Similar companies · same sector, comparable size
VAN DAL BEHEER
BE 0473.576.665
Ravels · Eq €412,877
FUNPUCCI
BE 0552.843.382
Arlon · Eq €412,811
XIA-JIN
BE 0598.710.922
Ninove · Eq €413,245
LA VITA DOLCE
BE 0480.185.137
Quévy · Eq €413,258
Huyze Bosmans
BE 0463.608.035
Boortmeerbeek · Eq €412,485
Of 20,493 companies in sector 56111 we hold annual accounts for 11,461. 6,846 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-03-2007
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
55204Guest rooms (bed and breakfast)
74201Photography, excluding press photography
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.