Resto Group
ActiveSummary
The computed 12-month bankruptcy probability of Resto Group is 6.4% (elevated). The 2025 annual accounts show equity of €105k and a net result of €15k. Equity is growing by ~10.6% per year across the filed fiscal years. Its solvency ranks better than 44% of 3705 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability48▼-1
Solvency49▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
6.4%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.07 against 1.25 in 2024; short-term debt: 72.4% and cash: 44.2% of total assets), and 76.1% of the assets are financed with debt.
Credit check 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
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← 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
23.9%
Return on assets
3.5%
Age of the figures
12 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 02-07-2026, 63 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 · 6 filingsDeviation from the deadline
2025
63 d late
2024
23 d late
2023
44 d late
2022
81 d late
2021
17 d late
2020
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€105k▼ 4.3%
2024 · €110k
2020: €73k
2021: €70k▼ -4.3% vs 2020lowest in 6 years
2022: €71k▲ +1.0% vs 2021
2023: €83k▲ +17.2% vs 2022
2024: €110k▲ +32.0% vs 2023highest in 6 years
2025: €105k▼ -4.3% vs 2024
2020 → 2025
Total assets
€440k=
2024 · €440k
2020: €247klowest in 6 years
2021: €289k▲ +17.0% vs 2020
2022: €283k▼ -2.1% vs 2021
2023: €457k▲ +61.6% vs 2022highest in 6 years
2024: €440k▼ -3.7% vs 2023
2025: €440k● +0.0% vs 2024
2020 → 2025
Net result
€15k▼ 42.8%
2024 · €27k
2020: €59khighest in 6 years
2021: €-3k▼ -105% vs 2020lowest in 6 years
2022: €705▲ +122% vs 2021
2023: €12k▲ +1637% vs 2022
2024: €27k▲ +118% vs 2023
2025: €15k▼ -42.8% vs 2024
2020 → 2025
Working capital
€23k▼ 72.1%
2024 · €84k
2020: €68k
2021: €31k▼ -54.4% vs 2020
2022: €33k▲ +5.5% vs 2021
2023: €55k▲ +67.4% vs 2022
2024: €84k▲ +52.8% vs 2023highest in 6 years
2025: €23k▼ -72.1% vs 2024lowest in 6 years
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€70k-€71k▲ 1.0%€83k▲ 17.2%€110k▲ 32.0%€105k▼ 4.3%
2021: €70klowest in 5 years
2022: €71k▲ +1.0% vs 2021
2023: €83k▲ +17.2% vs 2022
2024: €110k▲ +32.0% vs 2023highest in 5 years
2025: €105k▼ -4.3% vs 2024
Operating result€3k-€30k▲ 925%€48k▲ 62.5%€87k▲ 78.6%€23k▼ 73.0%
2021: €3klowest in 5 years
2022: €30k▲ +925% vs 2021
2023: €48k▲ +62.5% vs 2022
2024: €87k▲ +78.6% vs 2023highest in 5 years
2025: €23k▼ -73.0% vs 2024
Net result€-3k-€705€12k▲ 1,637%€27k▲ 118%€15k▼ 42.8%
2021: €-3klowest in 5 years
2022: €705▲ +122% vs 2021
2023: €12k▲ +1637% vs 2022
2024: €27k▲ +118% vs 2023highest in 5 years
2025: €15k▼ -42.8% vs 2024
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 73% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €440k
Fixed assets
€98k ▲ 273%
Current assets
€342k ▼ 17.4%
Equity and liabilities €440k
Equity
€105k ▼ 4.3%
Debt
€335k ▲ 1.4%
Debt's share of the balance-sheet total rises from 75.0% to 76.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€45k▼
2024 · €97k
Cash flow
€37k▼
2024 · €37k
Current ratio
1.07▼
2024 · 1.25
Quick ratio
0.91▼
2024 · 1.10
Debt to equity
3.18▲
2024 · 3.00
ROE
14.5%▼
2024 · 24.2%
ROA
3.5%▼
2024 · 6.1%
Interest coverage
2.97▲
2024 · 2.77
Debt ≤ 1 year
€319k▼
2024 · €330k
Debt > 1 year
€16k
Staff costs
€813k▲
2024 · €544k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€440k€440k=
Fixed assets21/28€26k€98k▲
Tangible fixed assets22/27€16k€88k▲
Land and buildings22€8k€4k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€4k€66k▲
Leasing and similar rights25-€14k
Financial fixed assets28€10k€10k=
Current assets29/58€414k€342k▼
Stocks and contracts in progress3€51k€51k▼
Stocks30/36€51k€51k▼
Amounts receivable within one year40/41€84k€94k▲
Trade receivables40€48k€18k▼
Other amounts receivable41€36k€76k▲
Cash at bank and in hand54/58€277k€195k▼
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€440k€440k=
Equity10/15€110k€105k▼
Contributions10/11€20k€20k=
Capital10€20k€20k=
Issued capital100€20k€20k=
Reserves13-€60k
Non-distributable reserves130/1-€60k
Other1319-€60k
Profit (loss) carried forward14€90k€25k▼
Amounts payable17/49€330k€335k▲
Amounts payable after more than one year17-€16k
Financial debts170/4-€16k
Amounts payable within one year42/48€330k€319k▼
Current portion of amounts payable after more than one year42-€7k
Trade debts44€173k€152k▼
Suppliers440/4€173k€152k▼
Taxes, remuneration and social security45€83k€70k▼
Taxes450/3€75k€26k▼
Remuneration and social security454/9€8k€45k▲
Other amounts payable47/48€73k€89k▲
Income statement
Code20242025
Remuneration, social security and pensions62€544k€813k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€21k▲
Other operating charges640/8€31k€57k▲
Gross operating margin9900€672k€915k▲
Operating profit (loss)9901€87k€23k▼
Financial income75/76B€413€7k▲
Recurring financial income75€413€7k▲
Financial charges65/66B€35k€15k▼
Recurring financial charges65€35k€15k▼
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€52k€15k▼
Income taxes67/77€25k-
Profit (loss) for the period9904€27k€15k▼
Profit (loss) for the period to be appropriated9905€27k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€90k€105k▲
Profit (loss) brought forward from the previous period14P€63k€90k▲
Profit to be distributed694/7-€80k
Return on contributions (dividend)694-€80k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €55k | €257k | €556k | €544k | €813k | ▲ 49.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €8k | €10k | €10k | €21k | ▲ 111% |
| Other operating charges640/8 | €19k | €58k | €36k | €31k | €57k | ▲ 84.1% |
| Gross operating margin9900 | €79k | €352k | €650k | €672k | €915k | ▲ 36.2% |
| Operating profit (loss)9901 | €3k | €30k | €48k | €87k | €23k | ▼ 73.0% |
| Financial income75/76B | €114 | €18 | €6 | €413 | €7k | ▲ 1,596% |
| Recurring financial income75 | €114 | €18 | €6 | €413 | €7k | ▲ 1,596% |
| Financial charges65/66B | €6k | €29k | €16k | €35k | €15k | ▼ 56.7% |
| Recurring financial charges65 | €6k | €9k | €15k | €35k | €15k | ▼ 56.7% |
| Non-recurring financial charges66B | €126 | €20k | €2k | €0 | - | - |
| Profit (loss) for the period before taxes9903 | €-3k | €705 | €32k | €52k | €15k | ▼ 70.7% |
| Income taxes67/77 | €146 | - | €20k | €25k | - | - |
| Profit (loss) for the period9904 | €-3k | €705 | €12k | €27k | €15k | ▼ 42.8% |
| Profit (loss) for the period to be appropriated9905 | €-3k | €705 | €12k | €27k | €15k | ▼ 42.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €289k | €283k | €457k | €440k | €440k | = |
| Fixed assets21/28 | €39k | €38k | €29k | €26k | €98k | ▲ 273% |
| Tangible fixed assets22/27 | €29k | €28k | €19k | €16k | €88k | ▲ 441% |
| Land and buildings22 | €20k | €16k | €12k | €8k | €4k | ▼ 50.0% |
| Plant, machinery and equipment23 | €4k | €9k | €5k | €5k | €4k | ▼ 23.7% |
| Furniture and vehicles24 | €6k | €4k | €2k | €4k | €66k | ▲ 1,760% |
| Leasing and similar rights25 | - | - | - | - | €14k | - |
| Financial fixed assets28 | €10k | €10k | €10k | €10k | €10k | = |
| Current assets29/58 | €250k | €245k | €429k | €414k | €342k | ▼ 17.4% |
| Stocks and contracts in progress3 | €37k | €29k | €110k | €51k | €51k | ▼ 1.1% |
| Stocks30/36 | €37k | €29k | €110k | €51k | €51k | ▼ 1.1% |
| Amounts receivable within one year40/41 | €62k | €16k | €183k | €84k | €94k | ▲ 11.6% |
| Trade receivables40 | €526 | €5k | €138k | €48k | €18k | ▼ 62.8% |
| Other amounts receivable41 | €61k | €11k | €44k | €36k | €76k | ▲ 112% |
| Cash at bank and in hand54/58 | €142k | €194k | €104k | €277k | €195k | ▼ 29.8% |
| Deferred charges and accrued income490/1 | €10k | €6k | €31k | €1k | €3k | ▲ 134% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €289k | €283k | €457k | €440k | €440k | = |
| Equity10/15 | €70k | €71k | €83k | €110k | €105k | ▼ 4.3% |
| Contributions10/11 | €20k | €20k | €20k | €20k | €20k | = |
| Capital10 | - | €20k | €20k | €20k | €20k | = |
| Issued capital100 | - | €20k | €20k | €20k | €20k | = |
| Reserves13 | - | - | - | - | €60k | - |
| Non-distributable reserves130/1 | - | - | - | - | €60k | - |
| Other1319 | - | - | - | - | €60k | - |
| Profit (loss) carried forward14 | €50k | €51k | €63k | €90k | €25k | ▼ 72.0% |
| Amounts payable17/49 | €219k | €212k | €374k | €330k | €335k | ▲ 1.4% |
| Amounts payable after more than one year17 | - | - | - | - | €16k | - |
| Financial debts170/4 | - | - | - | - | €16k | - |
| Amounts payable within one year42/48 | €219k | €212k | €374k | €330k | €319k | ▼ 3.5% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €7k | - |
| Trade debts44 | €201k | €115k | €174k | €173k | €152k | ▼ 12.1% |
| Suppliers440/4 | €201k | €115k | €174k | €173k | €152k | ▼ 12.1% |
| Taxes, remuneration and social security45 | €18k | €26k | €101k | €83k | €70k | ▼ 15.5% |
| Taxes450/3 | €17k | €26k | €101k | €75k | €26k | ▼ 66.0% |
| Remuneration and social security454/9 | €315 | - | - | €8k | €45k | ▲ 480% |
| Other amounts payable47/48 | - | €71k | €99k | €73k | €89k | ▲ 20.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-3k | €705 | €12k | €27k | €15k | ▼ 42.8% |
| + Depreciation and write-downs630 | €2k | €8k | €10k | €10k | €21k | ▲ 111% |
| Operating cash flow (approximation) | €-1k | €8k | €22k | €37k | €37k | ▼ 0.3% |
| Investment in fixed assets (approximation) | - | €-7k | €-289 | €-8k | €-93k | ▼ 1,079% |
| Change in cash | - | €52k | €-89k | €173k | €-83k | ▼ 148% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 63 days late
2025
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 23 days late
2024
30-09
Financial
Equity above €100kEq €110k ▲32%
3 profitable years in a row build equity to €110k.
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 44 days late
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 81 days late
2022
30-09
Financial
Back to profitnet €705
Net result €705 after one loss-making year.
17-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 17 days late
2021
30-09
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, La Bruyère · 4 establishment units since 2021
Ground area
4,593 m²
Building footprint
369 m²
Volume, LiDAR
3,196 m³
4 parcels, Wallonia · tallest building 13.9 m, ±4 floors. Linked by address, not a title deed.
4 establishment units
Restaurant
since 20212.318.835.676
Restaurant
since 20212.318.835.874
Restaurant
since 20212.318.835.973
Restaurant
since 20212.318.836.072
4 parcels
Wallonia
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84009B0625/00C000 | Wallonia | 2,994 m² | - | - |
| 92102A0092/00C002 | Wallonia | 800 m² | 1 · 87 m² | - |
| 84009A0369/00H000 | Wallonia | 472 m² | 1 · 100 m² | 13.6 m · 4 fl. |
| 84043A0657/00E000 | Wallonia | 326 m² | 1 · 182 m² | 13.9 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
4 sitesBertrix2.318.835.973
Bertrix2.318.835.676
Libramont-Chevigny2.318.836.072
Neufchâteau2.318.835.874
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,462. 9,509 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded21-10-2019
Fiscal year end30-09
Activities, NACEBEL 2025
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
56210Event catering
93299Other amusement and recreation activities
Scores and ratios are computed by Checked and are not a credit decision.