PROCAF
ActivePROCAF has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €96k and a net result of €9k. Equity is growing by ~11.6% per year across the filed fiscal years. Its solvency ranks better than 62% of 15870 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
94
/ 100
Excellent▲ +20 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability47▲+19
Solvency91▲+17
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 1.71 against 1.26 in 2023), and 45.4% 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
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-06-2025, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
35 d early
2023
33 d early
2022
32 d early
2021
13 d early
2020
58 d late
2019
84 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€96k▲ 10.4%
2023 · €87k
2018: €48k
2019: €49k
2020: €41k
2021: €73k
2022: €82k
2023: €87k
2018 → 2024
Total assets
€177k▼ 7.7%
2023 · €191k
2018: €305k
2019: €294k
2020: €259k
2021: €236k
2022: €218k
2023: €191k
2018 → 2024
Net result
€9k▲ 84.2%
2023 · €5k
2018: €8
2019: €372
2020: €-8k
2021: €32k
2022: €9k
2023: €5k
2018 → 2024
Working capital
€57k▲ 106%
2023 · €28k
2018: €-99k
2019: €-80k
2020: €-82k
2021: €-34k
2022: €-2k
2023: €28k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€41k-€73k▲ 78.9%€82k▲ 12.5%€87k▲ 6.0%€96k▲ 10.4%
Operating result€-15k-€2k€13k▲ 516%€8k▼ 37.4%€13k▲ 57.0%
Net result€-8k-€32k€9k▼ 71.7%€5k▼ 45.9%€9k▲ 84.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 57% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €175k
Fixed assets
€38k▼ 35.8%
Current assets
€137k▲ 4.1%
Equity and liabilities €177k
Equity
€96k▲ 10.4%
Debt
€80k▼ 22.9%
The debt ratio falls from 54.4% to 45.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€34k▼
2023 · €40k
Cash flow
€31k▼
2023 · €36k
Solvency
54.6%▲
2023 · 45.6%
Current ratio
1.71▲
2023 · 1.26
Quick ratio
1.71▲
2023 · 1.26
Debt / equity
0.83▼
2023 · 1.19
ROE
9.4%▲
2023 · 5.7%
ROA
5.2%▲
2023 · 2.6%
Interest coverage
45.77▼
2023 · 149.10
Debt
€80k▼
2023 · €104k
Debt ≤ 1 year
€80k▼
2023 · €104k
Income taxes
€5k▲
2023 · €3k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€191k€177k▼
Formation expenses20-€1k
Fixed assets21/28€60k€38k▼
Intangible fixed assets21€42k€32k▼
Tangible fixed assets22/27€18k€6k▼
Plant, machinery and equipment23€18k€6k▼
Current assets29/58€132k€137k▲
Amounts receivable within one year40/41€121k€129k▲
Trade receivables40€121k€129k▲
Cash at bank and in hand54/58€9k€8k▼
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€191k€177k▼
Equity10/15€87k€96k▲
Contributions10/11€19k€19k=
Reserves13€63k€72k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€61k€70k▲
Profit (loss) carried forward14€6k€6k=
Amounts payable17/49€104k€80k▼
Amounts payable within one year42/48€104k€80k▼
Trade debts44€58k€39k▼
Suppliers440/4€58k€39k▼
Taxes, remuneration and social security45€13k€16k▲
Taxes450/3€13k€16k▲
Other amounts payable47/48€33k€26k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€21k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€41k€36k▼
Operating profit (loss)9901€8k€13k▲
Financial income75/76B-€2k
Recurring financial income75-€2k
Financial charges65/66B€266€753▲
Recurring financial charges65€266€753▲
Profit (loss) for the period before taxes9903€8k€14k▲
Income taxes67/77€3k€5k▲
Profit (loss) for the period9904€5k€9k▲
Profit (loss) for the period to be appropriated9905€5k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€11k€15k▲
Profit (loss) brought forward from the previous period14P€6k€6k=
Transfer to equity691/2€5k€9k▲
To other reserves6921€5k€9k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
27-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 58 days late
2020
31-12
Financial
Weakest financial yearnet €-8k ▼2214%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 84 days late
2019
20-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 57 days late
2016
29-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Knokke-Heist · 1 establishment unit since 1985
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.
Hermans-Lybaertstraat 508301 Knokke-HeistGround area
119 m²
Building footprint
107 m²
Volume, LiDAR
790 m³
Parcel 31008I0403/00_000, Flanders · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Hermans-Lybaertstraat 50, 8301 Knokke-Heist
since 19852.026.130.060
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31008I0403/00_000 | Flanders | 119 m² | 1 · 107 m² | 12.9 m · 3 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.
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Of 404 companies in sector 46370 we hold annual accounts for 209. 149 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-1984
Fiscal year end31-12
Activities, NACEBEL
46370Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 40 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:cafesprocaf@gmail.com