RESTO ELISE
ActiveThe computed 12-month bankruptcy probability of RESTO ELISE is 2.9% (moderate). The 2025 annual accounts show equity of €115k and a net result of €4k. Equity is growing by ~21.5% per year across the filed fiscal years. Its solvency ranks better than 49% of 13159 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability59▼-15
Solvency55▼-45
Growth78=
Track record100
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.98 against 7.72 in 2024; short-term debt: 14.3% and cash: 9.6% of total assets), and 70.5% of the assets are financed with debt.
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
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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
29.5%
Return on assets
1%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-05-2026, 71 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
71 d early
2024
92 d early
2023
37 d early
2022
47 d early
2021
93 d early
2020
88 d early
2019
95 d early
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€115k▼ 8.8%
2024 · €126k
2018: €13k
2019: €32k
2020: €47k
2021: €77k
2022: €98k
2023: €120k
2024: €126k
2018 → 2025
Total assets
€389k▲ 154%
2024 · €153k
2018: €77k
2019: €100k
2020: €102k
2021: €142k
2022: €153k
2023: €162k
2024: €153k
2018 → 2025
Net result
€4k▼ 35.6%
2024 · €6k
2018: €-7k
2019: €19k
2020: €15k
2021: €31k
2022: €20k
2023: €22k
2024: €6k
2018 → 2025
Working capital
€-1k
2024 · €112k
2018: €-6k
2019: €6k
2020: €25k
2021: €57k
2022: €84k
2023: €109k
2024: €112k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€77k-€98k▲ 26.2%€120k▲ 22.9%€126k▲ 4.8%€115k▼ 8.8%
Operating result€43k-€32k▼ 25.7%€34k▲ 8.6%€11k▼ 66.7%€14k▲ 18.3%
Net result€31k-€20k▼ 34.0%€22k▲ 10.1%€6k▼ 73.9%€4k▼ 35.6%
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 2025; 2025 is 18% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €389k
Fixed assets
€335k▲ 1,252%
Current assets
€54k▼ 57.6%
Equity and liabilities €389k
Equity
€115k▼ 8.8%
Debt
€274k▲ 909%
The debt ratio rises from 17.7% to 70.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€44k▲
2024 · €21k
Cash flow
€34k▲
2024 · €15k
Solvency
29.5%▼
2024 · 82.3%
Current ratio
0.98▼
2024 · 7.72
Quick ratio
0.81▼
2024 · 7.00
Debt / equity
2.39▲
2024 · 0.22
ROE
3.3%▼
2024 · 4.6%
ROA
1.0%▼
2024 · 3.8%
Interest coverage
4.72▼
2024 · 6.70
Debt
€274k▲
2024 · €27k
Debt ≤ 1 year
€55k▲
2024 · €17k
Debt > 1 year
€217k▲
2024 · €11k
Income taxes
€554▼
2024 · €3k
Staff costs
€33k▲
2024 · €28k
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€153k€389k▲
Fixed assets21/28€25k€335k▲
Intangible fixed assets21€7k€4k▼
Tangible fixed assets22/27€17k€331k▲
Land and buildings22-€320k
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€6k€10k▲
Other tangible fixed assets26€4k€0▼
Assets under construction and advance payments27€5k€0▼
Current assets29/58€128k€54k▼
Stocks and contracts in progress3€12k€10k▼
Stocks30/36€12k€10k▼
Amounts receivable within one year40/41€9k€5k▼
Trade receivables40€3k€0▼
Other amounts receivable41€5k€5k▼
Cash at bank and in hand54/58€106k€37k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€153k€389k▲
Equity10/15€126k€115k▼
Contributions10/11€20k€20k=
Reserves13€94k€83k▼
Distributable reserves133€94k€83k▼
Profit (loss) carried forward14€12k€12k=
Amounts payable17/49€27k€274k▲
Amounts payable after more than one year17€11k€217k▲
Financial debts170/4€11k€217k▲
Amounts payable within one year42/48€17k€55k▲
Current portion of amounts payable after more than one year42€6k€12k▲
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Taxes, remuneration and social security45€8k€11k▲
Taxes450/3€8k€10k▲
Remuneration and social security454/9€642€491▼
Other amounts payable47/48€104€28k▲
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Remuneration, social security and pensions62€28k€33k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€31k▲
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€4k€3k▼
Gross operating margin9900€55k€83k▲
Operating profit (loss)9901€11k€14k▲
Financial income75/76B€21€111▲
Recurring financial income75€21€111▲
Financial charges65/66B€3k€9k▲
Recurring financial charges65€3k€9k▲
Profit (loss) for the period before taxes9903€8k€4k▼
Income taxes67/77€3k€554▼
Profit (loss) for the period9904€6k€4k▼
Profit (loss) for the period to be appropriated9905€6k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€18k€16k▼
Profit (loss) brought forward from the previous period14P€12k€12k=
Transfer from equity791/2-€15k
Transfer to equity691/2€6k€4k▼
To other reserves6921€6k€4k▼
Profit to be distributed694/7-€15k
Return on contributions (dividend)694-€15k
The notes to these accounts (16 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
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €120k ▲22.9%
5 profitable years in a row build equity to €120k.
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €31k ▲108%
Operating result €43k, net result €31k, both a record.
04-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
16-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2018
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.
Verrebroekstraat(VER) 169130 Beveren-Kruibeke-ZwijndrechtGround area
910 m²
Building footprint
116 m²
Volume, LiDAR
637 m³
Parcel 46027B0510/00H000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RESTO ELISE
since 20182.281.527.201
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46027B0510/00H000 | Flanders | 910 m² | 1 · 116 m² | 8.9 m · 2 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
2023 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteBeveren-Kruibeke-Zwijndrecht2.281.527.201
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Of 14,028 companies in sector 56301 we hold annual accounts for 4,894. 3,582 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-10-2018
Fiscal year end31-12
Trade name NL
T WIT HUIS
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56301Cafés and bars
56101Full-service restaurants
56111Full-service restaurants
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.