Point de vue
ActiveThe computed 12-month bankruptcy probability of Point de vue is 1.6% (moderate). The 2025 annual accounts show equity of €1.87M and a net result of €204k. Equity is growing by ~36.8% per year across the filed fiscal years. Its solvency ranks better than 52% of 810 sector peers (fiscal year 2025). The company has been active since 2008 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
Profitability73=
Solvency57▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity short (current ratio 0.46 against 0.24 in 2024; short-term debt: 18.1% and cash: 3.9% of total assets), and 67.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 · 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
32.4%
Return on assets
3.5%
Age of the figures
12 mo
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
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 01-06-2026, 32 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
32 d late
2024
5 d early
2023
184 d late
2022
31 d late
2021
17 d late
2020
on the day
2019
3 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€204k▼ 5.1%
2024 · €215k
2018: €18k
2019: €51k
2020: €2k
2021: €91k
2022: €363k
2023: €270k
2024: €215k
2018 → 2025
Working capital
€-561k▲ 49.1%
2024 · €-1.10M
2018: €-128k
2019: €-274k
2020: €-660k
2021: €-216k
2022: €-535k
2023: €-319k
2024: €-1.10M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€239k-€1.21M▲ 406%€1.47M▲ 21.6%€1.67M▲ 14.0%€1.87M▲ 11.8%
Operating result€135k-€515k▲ 282%€389k▼ 24.4%€278k▼ 28.5%€356k▲ 27.8%
Net result€91k-€363k▲ 298%€270k▼ 25.4%€215k▼ 20.6%€204k▼ 5.1%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 28% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.78M
Fixed assets
€5.30M▼ 7.4%
Current assets
€482k▲ 41.0%
Equity and liabilities €5.78M
Equity
€1.87M▲ 11.8%
Provisions
€5k▼ 20.4%
Debt
€3.90M▼ 11.0%
The debt ratio falls from 72.3% to 67.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€873k▲
2024 · €693k
Cash flow
€722k▲
2024 · €630k
Solvency
32.4%▲
2024 · 27.6%
Current ratio
0.46▲
2024 · 0.24
Quick ratio
0.40▲
2024 · 0.19
Debt / equity
2.09▼
2024 · 2.62
ROE
10.9%▼
2024 · 12.8%
ROA
3.5%▼
2024 · 3.5%
Interest coverage
9.12▼
2024 · 12.54
Debt
€3.90M▼
2024 · €4.39M
Debt ≤ 1 year
€1.04M▼
2024 · €1.45M
Debt > 1 year
€2.86M▼
2024 · €2.94M
Income taxes
€63k▲
2024 · €25k
Staff costs
€684k▲
2024 · €465k
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€6.07M€5.78M▼
Fixed assets21/28€5.72M€5.30M▼
Intangible fixed assets21€36k€1k▼
Tangible fixed assets22/27€5.69M€5.30M▼
Land and buildings22€5.60M€5.24M▼
Plant, machinery and equipment23€33k€20k▼
Furniture and vehicles24€51k€33k▼
Current assets29/58€342k€482k▲
Stocks and contracts in progress3€60k€63k▲
Stocks30/36€60k€63k▲
Amounts receivable within one year40/41€198k€190k▼
Trade receivables40€142k€16k▼
Other amounts receivable41€55k€174k▲
Cash at bank and in hand54/58€84k€226k▲
Deferred charges and accrued income490/1€85€2k▲
Equity and liabilities
Total equity and liabilities10/49€6.07M€5.78M▼
Equity10/15€1.67M€1.87M▲
Contributions10/11€138k€138k=
Reserves13€550k€546k▼
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Tax-exempt reserves132€9k€5k▼
Distributable reserves133€537k€537k=
Profit (loss) carried forward14€947k€1.15M▲
Investment grants15€39k€33k▼
Provisions and deferred taxes16€7k€5k▼
Deferred taxes168€7k€5k▼
Amounts payable17/49€4.39M€3.90M▼
Amounts payable after more than one year17€2.94M€2.86M▼
Financial debts170/4€2.94M€2.86M▼
Amounts payable within one year42/48€1.45M€1.04M▼
Current portion of amounts payable after more than one year42€416k€457k▲
Financial debts43€100k-
Other loans439€100k-
Trade debts44€229k€154k▼
Suppliers440/4€229k€154k▼
Advances received on contracts in progress46€183k€193k▲
Taxes, remuneration and social security45€68k€111k▲
Taxes450/3€23k€24k▲
Remuneration and social security454/9€46k€87k▲
Other amounts payable47/48€448k€129k▼
Income statement
Code20242025
Non-recurring operating income76A-€595
Remuneration, social security and pensions62€465k€684k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€415k€518k▲
Other operating charges640/8€19k€23k▲
Gross operating margin9900€1.18M€1.58M▲
Operating profit (loss)9901€278k€356k▲
Financial income75/76B€12k€6k▼
Recurring financial income75€12k€6k▼
Financial charges65/66B€55k€96k▲
Recurring financial charges65€55k€96k▲
Profit (loss) for the period before taxes9903€235k€266k▲
Transfer from deferred taxes780€5k€1k▼
Income taxes67/77€25k€63k▲
Profit (loss) for the period9904€215k€204k▼
Transfer from tax-exempt reserves789-€4k
Profit (loss) for the period to be appropriated9905€215k€208k▼
Appropriation of the result
Profit (loss) to be appropriated9906€947k€1.15M▲
Profit (loss) brought forward from the previous period14P€732k€947k▲
Social balance
Average headcount (FTE)908711.013.4▲
The notes to these accounts (14 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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 32 days late
2025
25-04
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 184 days late
2023
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
30-09
Financial
Highest result since 2018net €363k ▲298%
Operating result €515k, net result €363k, both a record.
30-09
Financial
Equity above €1MEq €1.21M ▲406%
5 profitable years in a row build equity to €1.21M.
17-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 17 days late
2021
30-09
Financial
Equity above €200kEq €239k ▲470%
4 profitable years in a row build equity to €239k.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-09
Financial
Weakest financial yearnet €2k ▼95.5%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
03-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 3 days late
2019
30-09
Financial
Equity above €150kEq €160k ▲46.6%
2 profitable years in a row build equity to €160k.
26-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
09-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
12 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, Bouillon · 2 establishment units since 2008
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.
Route de Alle,Rochehaut 16830 BouillonGround area
1,593 m²
Building footprint
557 m²
Volume, LiDAR
1,709 m³
3 parcels, Wallonia · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
La Cense
since 20082.171.470.110
Route de Alle,Rochehaut 3, 6830 Bouillon
since 20192.285.756.302
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84057A0090/00H000 | Wallonia | 1,258 m² | 1 · 323 m² | - |
| 84057A0043/00D000 ProtectedSite or landscape |
Wallonia | 218 m² | 1 · 168 m² | 10.4 m · 3 fl. |
| 84057A0042/00A000 | Wallonia | 117 m² | 1 · 66 m² | 7.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 siteBouillon2.285.756.302
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,462. 2,437 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-06-2008
Fiscal year end30-09
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
68201Renting and operating of own or leased residential real estate, excluding social housing
73110Advertising agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0473957005