REISDUIF
ActiveThe computed 12-month bankruptcy probability of REISDUIF is 1.5% (moderate). The 2025 annual accounts show equity of €43k and a net result of €-7k. Equity is shrinking by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 39% of 13204 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability49▼-13
Solvency43▼-1
Growth32=
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.31 against 0.43 in 2024; short-term debt: 27.1% and cash: 4.3% of total assets), and 82.3% 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 →
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
17.7%
Return on assets
-2.9%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-7k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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
25 d late
2024
25 d late
2023
21 d late
2022
30 d late
2021
31 d late
2020
24 d late
2019
60 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€43k▼ 14.1%
2024 · €50k
2018: €106k
2019: €100k
2020: €55k
2021: €36k
2022: €60k
2023: €52k
2024: €50k
2018 → 2025
Total assets
€244k▼ 6.9%
2024 · €262k
2018: €404k
2019: €381k
2020: €318k
2021: €305k
2022: €293k
2023: €276k
2024: €262k
2018 → 2025
Net result
€-7k▼ 233%
2024 · €-2k
2018: €58k
2019: €15k
2020: €-45k
2021: €-19k
2022: €24k
2023: €-8k
2024: €-2k
2018 → 2025
Working capital
€-46k▼ 26.7%
2024 · €-36k
2018: €-2k
2019: €-22k
2020: €-40k
2021: €-46k
2022: €-27k
2023: €-33k
2024: €-36k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€36k-€60k▲ 65.4%€52k▼ 12.7%€50k▼ 4.0%€43k▼ 14.1%
Operating result€-7k-€29k€-5k€621€-5k
Net result€-19k-€24k€-8k€-2k▲ 72.2%€-7k▼ 233%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5k after €621 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €244k
Fixed assets
€224k▼ 4.9%
Current assets
€20k▼ 24.8%
Equity and liabilities €244k
Equity
€43k▼ 14.1%
Debt
€201k▼ 5.2%
The debt ratio rises from 80.8% to 82.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€9k▼
2024 · €14k
Cash flow
€7k▼
2024 · €12k
Solvency
17.7%▼
2024 · 19.2%
Current ratio
0.31▼
2024 · 0.43
Quick ratio
0.31▼
2024 · 0.38
Debt / equity
4.64▲
2024 · 4.20
ROE
-16.4%▼
2024 · -4.2%
ROA
-2.9%▼
2024 · -0.8%
Interest coverage
4.06▼
2024 · 5.26
Debt
€201k▼
2024 · €212k
Debt ≤ 1 year
€66k▲
2024 · €63k
Debt > 1 year
€135k▼
2024 · €149k
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€262k€244k▼
Fixed assets21/28€235k€224k▼
Tangible fixed assets22/27€235k€224k▼
Land and buildings22€234k€223k▼
Plant, machinery and equipment23€1k€840▼
Current assets29/58€27k€20k▼
Stocks and contracts in progress3€3k-
Stocks30/36€3k-
Amounts receivable within one year40/41€19k€9k▼
Trade receivables40€4k-
Other amounts receivable41€15k€9k▼
Cash at bank and in hand54/58€4k€10k▲
Deferred charges and accrued income490/1€584€546▼
Equity and liabilities
Total equity and liabilities10/49€262k€244k▼
Equity10/15€50k€43k▼
Contributions10/11€20k€20k=
Reserves13€30k€27k▼
Tax-exempt reserves132€3k€3k=
Distributable reserves133€27k€24k▼
Profit (loss) carried forward14-€-4k
Amounts payable17/49€212k€201k▼
Amounts payable after more than one year17€149k€135k▼
Financial debts170/4€149k€135k▼
Amounts payable within one year42/48€63k€66k▲
Current portion of amounts payable after more than one year42€14k€15k▲
Financial debts43-€50k
Credit institutions430/8-€50k
Trade debts44€4k€650▼
Suppliers440/4€4k€650▼
Taxes, remuneration and social security45€59-
Taxes450/3€59-
Other amounts payable47/48€45k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€16k€12k▼
Operating profit (loss)9901€621€-5k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€-2k€-7k▼
Income taxes67/77€0-
Profit (loss) for the period9904€-2k€-7k▼
Profit (loss) for the period to be appropriated9905€-2k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€-7k▼
Profit (loss) brought forward from the previous period14P€0€0=
Transfer from equity791/2€2k€3k▲
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
Next filing, fiscal year 2026, expected by
2026
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Back to profitnet €24k
Net result €24k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
31-12
Financial
Weakest financial yearnet €-45k ▼402%
Net result drops to €-45k, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Herzele · 1 establishment unit since 2007
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.
Heilig-Hartplein 39550 HerzeleGround area
4,490 m²
Building footprint
747 m²
Volume, LiDAR
3,639 m³
2 parcels, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
REISDUIF
since 20072.158.263.559
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41077A0252/00H000 | Flanders | 3,854 m² | 1 · 391 m² | 8.7 m · 2 fl. |
| 41077A0262/00H000 | Flanders | 636 m² | 1 · 356 m² | 7.9 m · 2 fl. |
Linked by address, not proof of ownership
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.
Similar companies · same sector, comparable size
MONACO
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CAFE TIJL
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BARKEEP
BE 0445.823.876
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BaHop
BE 0741.524.220
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FRANSJE
BE 0455.323.344
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Of 14,025 companies in sector 56301 we hold annual accounts for 4,894. 4,099 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-01-2007
Fiscal year end31-12
Activities, NACEBEL
55401
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:054/419108