Restocheck
ActiveRestocheck has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €174k and a net result of €-1k. Equity is growing by ~45.2% per year across the filed fiscal years. Its solvency ranks better than 57% of 810 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55▼-26
Solvency62▼-17
Growth52=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 1.54 against 2.08 in 2024; short-term debt: 63.5% and cash: 33% of total assets), but 63.5% 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 →
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
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
14 d late
2023
58 d late
2022
on the day
2021
2 d late
2020
31 d late
2019
31 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-1k
2024 · €32k
2018: €47k
2019: €53k
2020: €35k
2021: €36k
2022: €88k
2023: €59k
2024: €32k
2018 → 2025
Working capital
€162k▲ 2.4%
2024 · €158k
2018: €-131k
2019: €-82k
2020: €-45k
2021: €-12k
2022: €62k
2023: €120k
2024: €158k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-5k-€83k€142k▲ 71.1%€175k▲ 22.8%€174k▼ 0.6%
Operating result€39k-€92k▲ 138%€86k▼ 7.3%€56k▼ 35.1%€1k▼ 97.7%
Net result€36k-€88k▲ 143%€59k▼ 33.2%€32k▼ 45.1%€-1k
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 98% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €475k
Fixed assets
€11k▼ 30.8%
Current assets
€464k▲ 52.0%
Equity and liabilities €475k
Equity
€174k▼ 0.6%
Debt
€301k▲ 106%
The debt ratio rises from 45.7% to 63.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€9k▼
2024 · €63k
Cash flow
€7k▼
2024 · €40k
Solvency
36.5%▼
2024 · 54.3%
Current ratio
1.54▼
2024 · 2.08
Quick ratio
1.54▼
2024 · 2.08
Debt / equity
1.74▲
2024 · 0.84
ROE
-0.6%▼
2024 · 18.6%
ROA
-0.2%▼
2024 · 10.1%
Interest coverage
4.43▼
2024 · 9.73
Debt
€301k▲
2024 · €147k
Debt ≤ 1 year
€301k▲
2024 · €147k
Income taxes
€296▼
2024 · €17k
Staff costs
€12k▲
2024 · €10k
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€321k€475k▲
Fixed assets21/28€16k€11k▼
Tangible fixed assets22/27€16k€11k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€14k€10k▼
Current assets29/58€305k€464k▲
Amounts receivable within one year40/41€144k€305k▲
Trade receivables40€112k€261k▲
Other amounts receivable41€32k€44k▲
Cash at bank and in hand54/58€159k€157k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€321k€475k▲
Equity10/15€175k€174k▼
Contributions10/11€75k€75k=
Capital10€75k€75k=
Issued capital100€75k€75k=
Reserves13€100k€99k▼
Non-distributable reserves130/1€7k€7k=
Legal reserve130€7k€7k=
Distributable reserves133€93k€92k▼
Amounts payable17/49€147k€301k▲
Amounts payable within one year42/48€147k€301k▲
Trade debts44€89k€156k▲
Suppliers440/4€89k€156k▲
Advances received on contracts in progress46€19k€130k▲
Taxes, remuneration and social security45€32k€13k▼
Taxes450/3€31k€12k▼
Remuneration and social security454/9€991€1k▲
Other amounts payable47/48€6k€3k▼
Income statement
Code20242025
Remuneration, social security and pensions62€10k€12k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€8k▲
Other operating charges640/8€22k€50k▲
Gross operating margin9900€94k€72k▼
Operating profit (loss)9901€56k€1k▼
Financial income75/76B€126€11▼
Recurring financial income75€126€11▼
Financial charges65/66B€6k€2k▼
Recurring financial charges65€6k€2k▼
Profit (loss) for the period before taxes9903€49k€-800▼
Income taxes67/77€17k€296▼
Profit (loss) for the period9904€32k€-1k▼
Profit (loss) for the period to be appropriated9905€32k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€32k€-1k▼
Transfer from equity791/2-€1k
Transfer to equity691/2€32k-
To other reserves6921€32k-
Social balance
Average headcount (FTE)90870.40.3▼
The notes to these accounts (6 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €-1k ▼103%
Net result drops to €-1k, the lowest in the series.
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 14 days late
2024
31-12
Financial
Equity above €150kEq €175k ▲22.8%
7 profitable years in a row build equity to €175k.
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 58 days late
2023
31-12
Financial
Equity above €100kEq €142k ▲71.1%
6 profitable years in a row build equity to €142k.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €88k ▲143%
Operating result €92k, net result €88k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 2.31
Current ratio from 0.79 to 2.31; short-term debt falls from €58k to €48k.
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 2 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
08-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 8 days late
2017
13-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Leuven · 1 establishment unit since 2001
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.
Jules Vandenbemptlaan 63001 LeuvenGround area
682 m²
Building footprint
688 m²
Volume, LiDAR
4,490 m³
Parcel 24434F0266/00M000, Flanders · tallest building 11.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Restocheck
since 20012.093.330.175
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24434F0266/00M000 | Flanders | 682 m² | 1 · 688 m² | 11.3 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.
Similar companies · same sector, comparable size
LEWIS
BE 0847.961.627
Antwerpen · Eq €174k
RESTAURANT LEO
BE 0455.728.566
Bastogne · Eq €173k
Taste of Melo
BE 0781.959.461
Ingelmunster · Eq €174k
TIJDOK
BE 0882.441.266
Knokke-Heist · Eq €174k
AT SEA
BE 0552.515.364
Knokke-Heist · Eq €173k
Of 20,495 companies in sector 56111 we hold annual accounts for 11,458. 8,830 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded18-07-2001
Fiscal year end31-12
Activities, NACEBEL
55301
56101Full-service restaurants
56111Full-service restaurants
62010Computer programming, consultancy and related activities
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.