RESTO VH
ActiveThe computed 12-month bankruptcy probability of RESTO VH is 1.6% (moderate). The 2025 annual accounts show equity of €31k and a net result of €-17k. Equity is growing by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 64% of 13091 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-36
Solvency72▼-13
Growth52=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.68 against 3.25 in 2024; short-term debt: 53% and cash: 47.5% of total assets), but 53% 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 →
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
47%
Return on assets
-25.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
70 d late
2023
70 d late
2022
32 d late
2021
68 d late
2020
143 d late
2019
122 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€31k▼ 35.1%
2024 · €48k
2018: €4k
2019: €31k
2020: €45k
2021: €57k
2022: €56k
2023: €48k
2024: €48k
2018 → 2025
Total assets
€67k▼ 17.5%
2024 · €81k
2018: €113k
2019: €110k
2020: €99k
2021: €89k
2022: €87k
2023: €90k
2024: €81k
2018 → 2025
Net result
€-17k
2024 · €686
2018: €8k
2019: €27k
2020: €14k
2021: €12k
2022: €-764
2023: €-9k
2024: €686
2018 → 2025
Working capital
€24k▼ 53.0%
2024 · €51k
2018: €-5k
2019: €20k
2020: €40k
2021: €51k
2022: €54k
2023: €42k
2024: €51k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€57k-€56k▼ 1.3%€48k▼ 15.2%€48k▲ 1.4%€31k▼ 35.1%
Operating result€15k-€7k▼ 57.3%€-6k€5k€-15k
Net result€12k-€-764€-9k▼ 1,017%€686€-17k
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 €15k after €5k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €67k
Fixed assets
€7k▲ 3.8%
Current assets
€59k▼ 19.6%
Equity and liabilities €67k
Equity
€31k▼ 35.1%
Debt
€35k▲ 8.5%
The debt ratio rises from 40.3% to 53.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-14k▼
2024 · €6k
Cash flow
€-16k▼
2024 · €1k
Solvency
47.0%▼
2024 · 59.7%
Current ratio
1.68▼
2024 · 3.25
Quick ratio
1.58▼
2024 · 3.18
Debt / equity
1.13▲
2024 · 0.67
ROE
-54.2%▼
2024 · 1.4%
ROA
-25.4%▼
2024 · 0.8%
Interest coverage
-5.95▼
2024 · 1.99
Debt
€35k▲
2024 · €33k
Debt ≤ 1 year
€35k▲
2024 · €23k
Income taxes
€-38▼
2024 · €2k
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€81k€67k▼
Fixed assets21/28€7k€7k▲
Tangible fixed assets22/27€2k€3k▲
Plant, machinery and equipment23€2k€3k▲
Financial fixed assets28€5k€5k=
Current assets29/58€74k€59k▼
Stocks and contracts in progress3€1k€4k▲
Stocks30/36€1k€4k▲
Amounts receivable within one year40/41€28k€24k▼
Trade receivables40€253-
Other amounts receivable41€27k€24k▼
Cash at bank and in hand54/58€45k€32k▼
Deferred charges and accrued income490/1€146€152▲
Equity and liabilities
Total equity and liabilities10/49€81k€67k▼
Equity10/15€48k€31k▼
Contributions10/11€19k€19k=
Reserves13€39k€39k=
Distributable reserves133€39k€39k=
Profit (loss) carried forward14€-9k€-26k▼
Amounts payable17/49€33k€35k▲
Amounts payable within one year42/48€23k€35k▲
Trade debts44€7k€26k▲
Suppliers440/4€7k€26k▲
Taxes, remuneration and social security45€16k€9k▼
Taxes450/3€13k€7k▼
Remuneration and social security454/9€3k€2k▼
Accrued charges and deferred income492/3€10k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€648€745▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€9k€-11k▼
Operating profit (loss)9901€5k€-15k▼
Financial income75/76B€1€13▲
Recurring financial income75€1€13▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€2k€-17k▼
Income taxes67/77€2k€-38▼
Profit (loss) for the period9904€686€-17k▼
Profit (loss) for the period to be appropriated9905€686€-17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€-26k▼
Profit (loss) brought forward from the previous period14P€-9k€-9k=
Transfer to equity691/2€686-
To other reserves6921€686-
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-17k ▼2569%
Net result drops to €-17k, the lowest in the series.
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 70 days late
2024
31-12
Financial
Back to profitnet €686
Net result €686 after 2 loss-making years.
09-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 70 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
07-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 68 days late
2021
21-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 143 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 184 days late
2019
31-12
Financial
Highest result since 2018net €27k ▲254%
Operating result €30k, net result €27k, both a record.
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 360 days late
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 725 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, Gent · 1 establishment unit since 2006
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.
Ketelvest 99000 GentGround area
128 m²
Building footprint
116 m²
Volume, LiDAR
1,217 m³
Parcel 44805E1101/00_000, Flanders · tallest building 13.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Le Homard Rouge
since 20062.152.035.367
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44805E1101/00_000 | Flanders | 128 m² | 1 · 116 m² | 13.0 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteGent2.152.035.367
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Of 20,510 companies in sector 56111 we hold annual accounts for 11,456. 9,503 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-02-2006
Fiscal year end31-12
Activities, NACEBEL
55301
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:09/233 87 03