Plein 15
ActiveThe computed 12-month bankruptcy probability of Plein 15 is 3.0% (moderate). The 2025 annual accounts show equity of €26k and a net result of €18k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 58% of 13270 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
72
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+14
Solvency64▲+24
Growth78=
Track record100
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.39 against 0.91 in 2024; short-term debt: 51.4% and cash: 53.6% of total assets), and 60.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
39.4%
Return on assets
27.5%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €26k
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 07-04-2026, 115 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
115 d early
2024
on the day
2023
5 d early
2022
14 d early
2021
on the day
2020
25 d early
2019
4 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€26k▲ 230%
2024 · €8k
2019: €-11k
2020: €-4k
2021: €1k
2022: €4k
2023: €358
2024: €8k
2019 → 2025
Total assets
€66k▲ 24.5%
2024 · €53k
2019: €48k
2020: €53k
2021: €61k
2022: €69k
2023: €57k
2024: €53k
2019 → 2025
Net result
€18k▲ 141%
2024 · €8k
2019: €-17k
2020: €6k
2021: €5k
2022: €3k
2023: €-4k
2024: €8k
2019 → 2025
Working capital
€13k
2024 · €-3k
2019: €-30k
2020: €-24k
2021: €-21k
2022: €-10k
2023: €-6k
2024: €-3k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1k-€4k▲ 238%€358▼ 91.6%€8k▲ 2,120%€26k▲ 230%
Operating result€6k-€5k▼ 23.6%€-3k€8k€19k▲ 146%
Net result€5k-€3k▼ 45.2%€-4k€8k€18k▲ 141%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 146% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €66k
Fixed assets
€19k▼ 4.4%
Current assets
€48k▲ 41.5%
Equity and liabilities €66k
Equity
€26k▲ 230%
Debt
€40k▼ 11.5%
The debt ratio falls from 85.1% to 60.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€26k▲
2024 · €15k
Cash flow
€25k▲
2024 · €14k
Solvency
39.4%▲
2024 · 14.9%
Current ratio
1.39▲
2024 · 0.91
Quick ratio
1.10▲
2024 · 0.63
Debt / equity
1.54▼
2024 · 5.73
ROE
69.7%▼
2024 · 95.5%
ROA
27.5%▲
2024 · 14.2%
Interest coverage
64.06▲
2024 · 38.44
Debt
€40k▼
2024 · €45k
Debt ≤ 1 year
€34k▼
2024 · €37k
Debt > 1 year
€6k▼
2024 · €9k
Income taxes
€612
Staff costs
€45k▲
2024 · €39k
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€53k€66k▲
Fixed assets21/28€20k€19k▼
Intangible fixed assets21€4k€3k▼
Tangible fixed assets22/27€16k€16k▲
Plant, machinery and equipment23€6k€7k▲
Furniture and vehicles24€5k€3k▼
Other tangible fixed assets26€5k€6k▲
Current assets29/58€34k€48k▲
Stocks and contracts in progress3€11k€10k▼
Stocks30/36€11k€10k▼
Amounts receivable within one year40/41€222€414▲
Trade receivables40€0€375▲
Other amounts receivable41€222€39▼
Cash at bank and in hand54/58€22k€36k▲
Deferred charges and accrued income490/1€858€2k▲
Equity and liabilities
Total equity and liabilities10/49€53k€66k▲
Equity10/15€8k€26k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€2k€20k▲
Amounts payable17/49€45k€40k▼
Amounts payable after more than one year17€9k€6k▼
Financial debts170/4€9k€6k▼
Amounts payable within one year42/48€37k€34k▼
Current portion of amounts payable after more than one year42€3k€3k▲
Trade debts44€6k€7k▲
Suppliers440/4€6k€7k▲
Taxes, remuneration and social security45€5k€9k▲
Taxes450/3€5k€6k▲
Remuneration and social security454/9€83€3k▲
Other amounts payable47/48€23k€16k▼
Income statement
Code20242025
Remuneration, social security and pensions62€39k€45k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Other operating charges640/8€796€733▼
Gross operating margin9900€54k€72k▲
Operating profit (loss)9901€8k€19k▲
Financial income75/76B€98€0▼
Recurring financial income75€98€0▼
Financial charges65/66B€384€405▲
Recurring financial charges65€384€405▲
Profit (loss) for the period before taxes9903€8k€19k▲
Income taxes67/77-€612
Profit (loss) for the period9904€8k€18k▲
Profit (loss) for the period to be appropriated9905€8k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€20k▲
Profit (loss) brought forward from the previous period14P€-6k€2k▲
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
07-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €18k ▲141%
Operating result €19k, net result €18k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
04-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 4 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, Westerlo · 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.
Sint-Michielsplein 15/A2260 WesterloGround area
435 m²
Building footprint
158 m²
Volume, LiDAR
1,158 m³
Parcel 13028A0286/00K000, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Plein 15
since 20182.284.105.025
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13028A0286/00K000 | Flanders | 435 m² | 1 · 158 m² | 11.0 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 siteWesterlo2.284.105.025
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,458. 9,271 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-12-2018
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.