Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of POINT CHICH is 7.6% (elevated). The 2024 annual accounts show negative equity (€-13k) and a net result of €-7k. Equity is shrinking by ~53.3% per year across the filed fiscal years. Its solvency ranks better than 19% of 5650 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 4 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone7.6%
Elevated
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector
+Young company
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidenceNegative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
View the annual accounts Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 17 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
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 31-10-2025, 92 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.
How we compute the deadline
The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 31-10-2025 | 92 d late | 2025-00559525 |
| 31-12-2023 | 31-07-2024 | 04-10-2024 | 65 d late | 2024-00499743 |
| 31-12-2022 | 31-07-2023 | 06-07-2023 | 25 d early | 2023-00225133 |
| 31-12-2021 | 31-07-2022 | 15-07-2022 | 16 d early | 2022-20219058 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
Turnover€32k
EBIT margin-20.4%
Net result€-7k-598.7%
Working capital€-51k-534.4%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 31-10-2025 with the NBB · fiscal year 2024 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
Equity: declining trend of ~53.3%/year over 4 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2024 · NACE 56, Food & beverage service · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -29.2% | 19.3% | |
| Net result | €-7k | €4k | |
| Equity | €-13k | €14k | |
| Gross operating margin | €2k | €52k | |
| Staff costs | €3k | €49k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P19
Stable position over 2021-2024
· n=2241-5650
P25
Stable position over 2021-2024
· n=2236-5638
P20
Stable position over 2021-2024
· n=2248-5662
P15
Stable position over 2021-2024
· n=2223-5624
Describes the position versus peers, not a forecast.
€32k
-
21-24
€-2k
-
21-24
€-7k
-598.7%
21-24
€-2k
-1030.4%
21-24
€45k
+1733.0%
21-24
€-13k
-116.5%
21-24
€-51k
-534.4%
21-24
€3k
-
21-24
Show 11 other metrics
€58k
+582.1%
21-24
€58k
+582.1%
21-24
0.13
+108.4%
21-24
0.13
+108.4%
21-24
-29.2%
+88.2%
21-24
-4.42
-215.0%
21-24
53.8%
+222.7%
21-24
-15.7%
+61.9%
21-24
-22.0%
-
21-24
-5.3%
-
21-24
-3.38
-
21-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | €32k |
| EBITDA | €-2k |
| Net profit | €-7k |
| Cash flow | €-2k |
| Staff costs | €3k |
| Income taxes | - |
| Dividends | - |
| Total assets | €45k |
| Equity | €-13k |
| Debt | €58k |
| of which ≤ 1y | €58k |
| of which > 1y | - |
| Working capital | €-51k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.13 |
| Quick ratio | 0.13 |
| Working capital ratio | -112.9% |
| Solvency | -29.2% |
| Debt / equity | -4.42 |
| Long-term debt ratio | - |
| Interest coverage | -3.38 |
| Gross margin | 5.5% |
| Net margin | -22.0% |
| ROA | -15.7% |
| ROE | 53.8% |
| EBITDA margin | -5.3% |
| Days sales outstanding | 63d |
| Days payable outstanding | 520d |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €45k |
| Fixed assets | 21/28 | €37k |
| Intangible fixed assets | 21 | €36k |
| Tangible fixed assets | 22/27 | €1k |
| Financial fixed assets | 28 | €411 |
| Current assets | 29/58 | €7k |
| Amounts receivable within one year | 40/41 | €7k |
| Cash & bank | 54/58 | €447 |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €45k |
| Equity | 10/15 | €-13k |
| Contributions / capital | 10/11 | €3k |
| Accumulated profits (losses) | 14 | €-16k |
| Amounts payable | 17/49 | €58k |
| Amounts payable within one year | 42/48 | €58k |
| Trade debts payable within one year | 44 | €43k |
| Income statement | ||
| Turnover | 70 | €32k |
| Gross operating margin | 9900 | €2k |
| Operating result | 9901 | €-7k |
| Financial charges | 65 | €502 |
| Result before taxes | 9903 | €-7k |
| Net result for the period | 9904 | €-7k |
| Result to be appropriated | 9905 | €-7k |
This table shows the latest fiscal year. 3 prior years, with figures and ratios, belong to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed0
/ 100
Critical
Computed from 6 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Directors
Directors & mandates
4 directors4 of this company's 4 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.
Current directors & mandates
-
KARASU NizamettinDirectorState Gazette act 24047376 (19-03-2024)Current19-03-2024 → present
Former directors (3)
-
KOUTAINE RadouanDirectorState Gazette act 24047376 (19-03-2024)Former- → 19-03-2024
-
BOUABBECHE KarimDirectorState Gazette act 22102933 (29-08-2022)Former- → 18-08-2022
-
RENKIN HakimDirectorState Gazette act 22134360 (14-11-2022)Former- → 31-12-2021
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden(56112) |
| Legal form | Private limited company(610) |
| Incorporation | 20-07-2021 |
| Status | Active |
| Postal code | 6061 |
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationMR TACOS
since 20212.322.415.075
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area491 m²
Buildings2
Building footprint133 m²
Volume (LiDAR)1,168 m³
Tallest building10.5 m · ±3 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52018B0721/00K000 | Wallonia | 318 m² | 1 · 64 m² | 9.6 m · 3 fl. |
| 52049B1066/00X006 | Wallonia | 173 m² | 1 · 69 m² | 10.4 m · 3 fl. |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
3 acts Capital history · 1
19-03-2024
Capital change
All acts · 3
updated 2 years ago
2024
19-03-2024 All shares are now held by a single shareholder
2022
14-11-2022 RENKIN Hakim resigns as director
- RENKIN Hakim, Bestuurder
29-08-2022 1 director appointed, 1 resigning
- MATHIEU François-Christophe, Commissaris
- BOUABBECHE Karim, Bestuurder
Analysis
Financial profile
5 of 5 axes measured38
/ 100
Fragile profile, watch health in particular.
All 5 axes are computed from data Checked has read.
Health
0
Profitability
33
Solvency
33
Growth
32
Stability
94
Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector and regionBE 1010.537.387 · Charleroi
BE 0761.775.939 · Charleroi
BE 0655.952.107 · Charleroi
BE 0849.775.329 · Charleroi
BE 0827.656.458 · Charleroi
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 2,996 of the 21,772 companies in this sector.
Company registry
Company registry (CBE)
Crossroads BankActivities
Eetgelegenheden met beperkte bediening56102Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden56112
Primary activity highlighted.
Names & trade names
| Legal nameFR | POINT CHICH |
Registered office
Rue François Reconnu 86
6061 Charleroi, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.