PIZZA CLARA
ActiveThe computed 12-month bankruptcy probability of PIZZA CLARA is 4.0% (elevated). The 2025 annual accounts show equity of €49k and a net result of €3k. Equity is shrinking by ~5.6% per year across the filed fiscal years. Its solvency ranks better than 64% of 13009 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
71
/ 100
Healthy▼ -22 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability27▼-73
Solvency78▼-17
Growth32▼-20
Stability94
Bankruptcy probability, 12 months
4.0%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.4 against 1.84 in 2024), and 53.7% of the assets are financed with debt.
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
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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
46.3%
Return on assets
2.5%
Age of the figures
8 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 04-08-2026, 4 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 · 3 filingsDeviation from the deadline
2025
4 d late
2024
33 d early
2023
8 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€49k▼ 34.1%
2024 · €75k
2023: €56k
2024: €75k
2023 → 2025
Total assets
€107k▼ 14.5%
2024 · €125k
2023: €88k
2024: €125k
2023 → 2025
Net result
€3k▼ 85.9%
2024 · €19k
2023: €52k
2024: €19k
2023 → 2025
Working capital
€23k▼ 44.8%
2024 · €42k
2023: €22k
2024: €42k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€56k-€75k▲ 34.7%€49k▼ 34.1%
Operating result€67k-€27k▼ 60.6%€5k▼ 79.8%
Net result€52k-€19k▼ 62.7%€3k▼ 85.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 80% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €107k
Fixed assets
€26k▼ 20.4%
Current assets
€80k▼ 12.4%
Equity and liabilities €107k
Equity
€49k▼ 34.1%
Debt
€57k▲ 14.9%
The debt ratio rises from 39.9% to 53.7%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€14k▼
2024 · €36k
Cash flow
€11k▼
2024 · €29k
Solvency
46.3%▼
2024 · 60.1%
Current ratio
1.40▼
2024 · 1.84
Quick ratio
1.35▼
2024 · 1.78
Debt / equity
1.16▲
2024 · 0.66
ROE
5.5%▼
2024 · 25.7%
ROA
2.5%▼
2024 · 15.5%
Interest coverage
11.13▼
2024 · 23.80
Debt
€57k▲
2024 · €50k
Debt ≤ 1 year
€57k▲
2024 · €50k
Income taxes
€2k▼
2024 · €7k
Staff costs
€117k▲
2024 · €111k
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€125k€107k▼
Fixed assets21/28€33k€26k▼
Tangible fixed assets22/27€33k€26k▼
Plant, machinery and equipment23€694-
Furniture and vehicles24€7k€3k▼
Other tangible fixed assets26€25k€23k▼
Current assets29/58€92k€80k▼
Amounts receivable after more than one year29€8k€8k=
Other amounts receivable291€8k€8k=
Stocks and contracts in progress3€3k€3k▲
Stocks30/36€3k€3k▲
Amounts receivable within one year40/41€11k€20k▲
Trade receivables40€3k€6k▲
Other amounts receivable41€7k€15k▲
Cash at bank and in hand54/58€68k€47k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€125k€107k▼
Equity10/15€75k€49k▼
Contributions10/11€4k€4k=
Profit (loss) carried forward14€71k€45k▼
Amounts payable17/49€50k€57k▲
Amounts payable within one year42/48€50k€57k▲
Trade debts44€15k€10k▼
Suppliers440/4€15k€10k▼
Taxes, remuneration and social security45€35k€19k▼
Taxes450/3€22k€11k▼
Remuneration and social security454/9€13k€8k▼
Other amounts payable47/48-€28k
Income statement
Code20242025
Remuneration, social security and pensions62€111k€117k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€9k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€149k€134k▼
Operating profit (loss)9901€27k€5k▼
Financial income75/76B€851€1k▲
Recurring financial income75€851€1k▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€26k€5k▼
Income taxes67/77€7k€2k▼
Profit (loss) for the period9904€19k€3k▼
Profit (loss) for the period to be appropriated9905€19k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€71k€74k▲
Profit (loss) brought forward from the previous period14P€52k€71k▲
Profit to be distributed694/7-€28k
Return on contributions (dividend)694-€28k
The notes to these accounts (6 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
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
31-12
Financial
Weakest financial yearnet €3k ▼85.9%
Net result drops to €3k, the lowest in the series.
28-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Machelen (Brab.) · 1 establishment unit since 2023
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.
Dorpsplein 31830 Machelen (Brab.)Ground area
1,348 m²
Building footprint
581 m²
Volume, LiDAR
6,130 m³
Parcel 23047A0269/00F000, Flanders · tallest building 14.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
PIZZA CLARA
since 20232.347.658.237
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23047A0269/00F000 | Flanders | 1,348 m² | 1 · 581 m² | 14.4 m · 4 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 siteMachelen (Vl.Br.)2.347.658.237
Similar companies · same sector, comparable size
ALCONMET
BE 0753.706.826
Sint-Niklaas · Eq €49k
WREL
BE 0558.896.281
Seneffe · Eq €49k
MAT & CO
BE 0454.237.241
Charleroi · Eq €49k
Auberge De Herborist
BE 1001.764.431
Brugge · Eq €49k
BISTRO COCINA
BE 0690.987.418
Elsene · Eq €50k
Of 20,234 companies in sector 56111 we hold annual accounts for 11,310. 9,695 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-07-2023
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.