RESTAURANT CÉCILE

Active

Private limited companyfounded 20224 yrs activeBrusselstraat 6, 1760 Roosdaal, BelgiumKBO/BCE: BE 0786.947.934

The computed 12-month bankruptcy probability of RESTAURANT CÉCILE is 3.0% (moderate). The 2025 annual accounts show equity of €896k and a net result of €313k. Equity is growing by ~56% per year across the filed fiscal years. Its solvency ranks better than 87% of 13204 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

80 / 100

Excellent

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency100▲+15

Growth78=

Track record94

Bankruptcy probability, 12 months

3.0% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €70k at 30 days acceptable

Liquidity ample (current ratio 4.22 against 3.35 in 2024; short-term debt: 15.9% and cash: 29.4% of total assets), and 24.8% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

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 →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

75.2%

Return on assets

26.3%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

4 d early

2024

6 d early

2023

16 d early

← before the deadline after the deadline →

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 months

Position in the running window

20-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€896k▲ 53.7%

2024 · €583k

2023: €243k 2024: €583k

2023 → 2025

Total assets

€1.19M▲ 21.9%

2024 · €977k

2023: €762k 2024: €977k

2023 → 2025

Net result

€313k▼ 7.9%

2024 · €340k

2023: €234k 2024: €340k

2023 → 2025

Working capital

€608k▲ 51.3%

2024 · €402k

2023: €109k 2024: €402k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€243k-€583k▲ 140%€896k▲ 53.7%

Operating result€335k-€509k▲ 51.9%€419k▼ 17.6%

Net result€234k-€340k▲ 45.0%€313k▼ 7.9%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 18% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €1.19M

33.0%

67.0%

Fixed assets €393k▼ 2.6%

Current assets €798k▲ 39.2%

Equity and liabilities €1.19M

75.2%

24.8%

Equity €896k▲ 53.7%

Debt €295k▼ 25.1%

The debt ratio falls from 40.3% to 24.8%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€484k▼

2024 · €568k

Cash flow

€377k▼

2024 · €399k

Solvency

75.2%▲

2024 · 59.7%

Current ratio

4.22▲

2024 · 3.35

Quick ratio

4.01▲

2024 · 3.13

Debt / equity

0.33▼

2024 · 0.68

ROE

34.9%▼

2024 · 58.3%

ROA

26.3%▼

2024 · 34.8%

Interest coverage

31.30▼

2024 · 35.21

Debt

€295k▼

2024 · €394k

Debt ≤ 1 year

€189k▲

2024 · €171k

Debt > 1 year

€103k▼

2024 · €220k

Income taxes

€97k▼

2024 · €153k

Staff costs

€82k▼

2024 · €84k

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€977k€1.19M▲

Fixed assets21/28€404k€393k▼

Tangible fixed assets22/27€404k€393k▼

Plant, machinery and equipment23€159k€131k▼

Furniture and vehicles24€28k€20k▼

Other tangible fixed assets26€217k€242k▲

Current assets29/58€573k€798k▲

Stocks and contracts in progress3€39k€40k▲

Stocks30/36€39k€40k▲

Amounts receivable within one year40/41€51k€28k▼

Trade receivables40€23k€23k▲

Other amounts receivable41€28k€5k▼

Current investments50/53€275k€380k▲

Cash at bank and in hand54/58€207k€350k▲

Deferred charges and accrued income490/1€2k€313▼

Equity and liabilities

Total equity and liabilities10/49€977k€1.19M▲

Equity10/15€583k€896k▲

Contributions10/11€9k€9k=

Reserves13€574k€574k=

Distributable reserves133€574k€574k=

Profit (loss) carried forward14-€313k

Amounts payable17/49€394k€295k▼

Amounts payable after more than one year17€220k€103k▼

Financial debts170/4€220k€103k▼

Amounts payable within one year42/48€171k€189k▲

Current portion of amounts payable after more than one year42€14k€14k▲

Trade debts44€20k€18k▼

Suppliers440/4€20k€18k▼

Advances received on contracts in progress46€80k€91k▲

Taxes, remuneration and social security45€56k€60k▲

Taxes450/3€47k€51k▲

Remuneration and social security454/9€8k€9k▲

Other amounts payable47/48€1k€6k▲

Accrued charges and deferred income492/3€3k€3k▲

Income statement Code20242025

Remuneration, social security and pensions62€84k€82k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€59k€65k▲

Gross operating margin9900€652k€566k▼

Operating profit (loss)9901€509k€419k▼

Financial income75/76B€26€6k▲

Recurring financial income75€26€6k▲

Financial charges65/66B€16k€15k▼

Recurring financial charges65€16k€15k▼

Profit (loss) for the period before taxes9903€492k€410k▼

Income taxes67/77€153k€97k▼

Profit (loss) for the period9904€340k€313k▼

Profit (loss) for the period to be appropriated9905€340k€313k▼

Appropriation of the result

Profit (loss) to be appropriated9906€340k€313k▼

Transfer to equity691/2€340k-

To other reserves6921€340k-

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 3Filings 3

Next filing, fiscal year 2026, expected by 31-07-2027

2026

27-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

25-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Highest result since 2023net €340k ▲45%

Operating result €509k, net result €340k, both a record.

31-12

Financial Liquidity doublescurrent ratio 3.35

Current ratio from 1.49 to 3.35; short-term debt falls from €221k to €171k.

31-12

Financial Equity above €500kEq €583k ▲140%

2 profitable years in a row build equity to €583k.

15-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Roosdaal · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Brusselstraat 61760 Roosdaal

Ground area

261 m²

Building footprint

110 m²

Volume, LiDAR

947 m³

Parcel 23097C0556/00H007, Flanders · tallest building 12.7 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

RESTAURANT CÉCILE

Brusselstraat 6, 1760 RoosdaalFull-service restaurants

since 20222.332.292.546

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23097C0556/00H007	Flanders	261 m²	1 · 110 m²	12.7 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.

Public money · subsidies and aid

Flemish government

2022 · 1 entry · 434 EUR awarded · 434 EUR paid

Year	Entries	awarded	paid
2022	1	434 EUR	434 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

1 entry · 434 EUR · 434 EUR paid · Fonds voor Innoveren en Ondernemen

Recognitions · licences · registrations

Food safety, FASFC

1 site

Roosdaal2.332.292.546

1 permission

Toelating · Eetgelegenheid · since 08-07-2022

Similar companies · same sector, comparable size

Of 20,494 companies in sector 56111 we hold annual accounts for 11,455. 4,569 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded09-06-2022

Fiscal year end31-12

Activities, NACEBEL

56101Full-service restaurants

56111Full-service restaurants

82990Other business support services

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.