PIZZA HOME
ActiveSummary
The computed 12-month bankruptcy probability of PIZZA HOME is 2.8% (moderate). The 2025 annual accounts show equity of €185k and a net result of €71k. Equity is growing by ~20.6% per year across the filed fiscal years. Its solvency ranks better than 50% of 13305 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▼-3
Solvency56▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity short (current ratio 0.98 against 1.45 in 2024; short-term debt: 20.6% and cash: 11.7% of total assets), and 69.4% 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 →
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
30.6%
Return on assets
11.7%
Age of the figures
9 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 22-07-2026, 9 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
9 d early
2024
28 d late
2023
21 d late
2022
18 d early
2021
4 d early
2020
3 d early
2019
18 d early
← 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
Turnover
€379k
EBIT margin
17.3%
Net result
€71k▼ 20.7%
2024 · €89k
2019: €17k
2020: €34k
2021: €55k
2022: €48k
2023: €63k
2024: €89k
2019 → 2025
Working capital
€-3k
2024 · €46k
2019: €-901
2020: €29k
2021: €64k
2022: €85k
2023: €-22k
2024: €46k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€379k
Equity€119k-€167k▲ 40.6%€131k▼ 21.4%€220k▲ 67.9%€185k▼ 15.9%
Operating result€76k-€66k▼ 13.3%€93k▲ 41.1%€143k▲ 54.1%€113k▼ 20.5%
Net result€55k-€48k▼ 11.8%€63k▲ 31.9%€89k▲ 40.1%€71k▼ 20.7%
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 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €605k
Fixed assets
€483k ▼ 4.8%
Current assets
€122k ▼ 18.1%
Equity and liabilities €605k
Equity
€185k ▼ 15.9%
Debt
€420k ▼ 3.8%
Debt's share of the balance-sheet total rises from 66.5% to 69.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€141k▼
2024 · €169k
Cash flow
€99k▼
2024 · €116k
Current ratio
0.98▼
2024 · 1.45
Debt to equity
2.27▲
2024 · 1.98
ROE
38.1%▼
2024 · 40.4%
ROA
11.7%▼
2024 · 13.6%
Interest coverage
9.95▼
2024 · 10.98
Debt ≤ 1 year
€125k▲
2024 · €102k
Debt > 1 year
€295k▼
2024 · €334k
Income taxes
€29k▼
2024 · €39k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€656k€605k▼
Fixed assets21/28€508k€483k▼
Intangible fixed assets21€0€0▼
Tangible fixed assets22/27€508k€483k▼
Land and buildings22€465k€452k▼
Plant, machinery and equipment23€6k€6k▲
Furniture and vehicles24€36k€24k▼
Current assets29/58€149k€122k▼
Amounts receivable after more than one year29€45k€45k=
Other amounts receivable291€45k€45k=
Amounts receivable within one year40/41€40k€6k▼
Trade receivables40€13k€6k▼
Other amounts receivable41€27k-
Cash at bank and in hand54/58€63k€71k▲
Deferred charges and accrued income490/1€274€286▲
Equity and liabilities
Total equity and liabilities10/49€656k€605k▼
Equity10/15€220k€185k▼
Contributions10/11€19k€19k=
Revaluation surpluses12€7k€7k=
Reserves13€194k€159k▼
Distributable reserves133€194k€159k▼
Amounts payable17/49€436k€420k▼
Amounts payable after more than one year17€334k€295k▼
Financial debts170/4€334k€295k▼
Amounts payable within one year42/48€102k€125k▲
Current portion of amounts payable after more than one year42€39k€40k▲
Trade debts44€13k€4k▼
Suppliers440/4€13k€4k▼
Taxes, remuneration and social security45€43k€32k▼
Taxes450/3€43k€32k▼
Other amounts payable47/48€7k€48k▲
Accrued charges and deferred income492/3€437€396▼
Income statement
Code20242025
Remuneration, social security and pensions62€14k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€28k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€187k€146k▼
Operating profit (loss)9901€143k€113k▼
Financial income75/76B€745€0▼
Recurring financial income75€745€0▼
Financial charges65/66B€15k€14k▼
Recurring financial charges65€15k€14k▼
Profit (loss) for the period before taxes9903€128k€99k▼
Income taxes67/77€39k€29k▼
Profit (loss) for the period9904€89k€71k▼
Profit (loss) for the period to be appropriated9905€89k€71k▼
Appropriation of the result
Profit (loss) to be appropriated9906€89k€71k▼
Transfer from equity791/2-€106k
Transfer to equity691/2€89k€71k▼
To other reserves6921€89k€71k▼
Profit to be distributed694/7-€106k
Return on contributions (dividend)694-€106k
The notes to these accounts (13 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Highest result since 2019net €89k ▲40.1%
Operating result €143k, net result €89k, both a record.
31-12
Financial
Equity above €200kEq €220k ▲67.9%
6 profitable years in a row build equity to €220k.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €167k ▲40.6%
4 profitable years in a row build equity to €167k.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €119k ▲108%
3 profitable years in a row build equity to €119k.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
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, Kuurne · 1 establishment unit since 2018
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.
Brugsesteenweg 162 A8520 KuurneGround area
1,880 m²
Building footprint
204 m²
Volume, LiDAR
1,367 m³
Parcel 34023B0850/00N000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PIZZA HOME
since 20182.281.654.388
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34023B0850/00N000 | Flanders | 1,880 m² | 1 · 204 m² | 10.1 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 siteKuurne2.281.654.388
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Of 20,493 companies in sector 56111 we hold annual accounts for 11,461. 8,716 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
Founded06-11-2018
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.