RESTOGA
ActiveRESTOGA has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €854k and a net result of €12k. Equity is growing by ~3.7% per year across the filed fiscal years. Its solvency ranks better than 83% of 3668 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+1
Solvency91▼-5
Growth52=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity tight (current ratio 1.38 against 1.76 in 2024; short-term debt: 19.8% and cash: 9.7% of total assets), and 34% 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
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
66%
Return on assets
0.9%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
17 d late
2024
31 d early
2023
40 d early
2022
54 d early
2021
16 d early
2020
on the day
2019
on the day
← 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, abbreviated schema
Equity
€854k▲ 1.5%
2024 · €841k
2018: €673k
2019: €725k
2020: €600k
2021: €592k
2022: €757k
2023: €834k
2024: €841k
2018 → 2025
Total assets
€1.29M▲ 8.8%
2024 · €1.19M
2018: €1.36M
2019: €1.16M
2020: €1.11M
2021: €955k
2022: €1.02M
2023: €1.24M
2024: €1.19M
2018 → 2025
Net result
€12k▲ 76.9%
2024 · €7k
2018: €266k
2019: €92k
2020: €-124k
2021: €44k
2022: €165k
2023: €78k
2024: €7k
2018 → 2025
Working capital
€98k▼ 33.5%
2024 · €147k
2018: €87k
2019: €140k
2020: €-4k
2021: €6k
2022: €164k
2023: €147k
2024: €147k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€592k-€757k▲ 27.9%€834k▲ 10.3%€841k▲ 0.8%€854k▲ 1.5%
Operating result€49k-€177k▲ 260%€108k▼ 39.1%€16k▼ 84.7%€22k▲ 34.8%
Net result€44k-€165k▲ 273%€78k▼ 52.8%€7k▼ 91.1%€12k▲ 76.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 35% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.28M
Fixed assets
€924k▲ 8.9%
Current assets
€354k▲ 4.2%
Equity and liabilities €1.29M
Equity
€854k▲ 1.5%
Debt
€440k▲ 26.6%
The debt ratio rises from 29.2% to 34.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€105k▲
2024 · €86k
Cash flow
€95k▲
2024 · €77k
Solvency
66.0%▼
2024 · 70.8%
Current ratio
1.38▼
2024 · 1.76
Quick ratio
1.26▼
2024 · 1.57
Debt / equity
0.52▲
2024 · 0.41
ROE
1.4%▲
2024 · 0.8%
ROA
0.9%▲
2024 · 0.6%
Interest coverage
10.60▲
2024 · 8.32
Debt
€440k▲
2024 · €348k
Debt ≤ 1 year
€257k▲
2024 · €193k
Debt > 1 year
€182k▲
2024 · €155k
Income taxes
€5k▲
2024 · €4k
Staff costs
€287k▲
2024 · €254k
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€1.19M€1.29M▲
Formation expenses20-€15k
Fixed assets21/28€849k€924k▲
Intangible fixed assets21-€3k
Tangible fixed assets22/27€245k€318k▲
Plant, machinery and equipment23€123k€146k▲
Furniture and vehicles24€122k€91k▼
Leasing and similar rights25-€81k
Financial fixed assets28€604k€604k=
Current assets29/58€340k€354k▲
Stocks and contracts in progress3€37k€31k▼
Stocks30/36€37k€31k▼
Amounts receivable within one year40/41€138k€189k▲
Trade receivables40€20k€92k▲
Other amounts receivable41€117k€96k▼
Cash at bank and in hand54/58€161k€125k▼
Deferred charges and accrued income490/1€4k€10k▲
Equity and liabilities
Total equity and liabilities10/49€1.19M€1.29M▲
Equity10/15€841k€854k▲
Contributions10/11€19k€19k=
Reserves13€823k€835k▲
Non-distributable reserves130/1€135k€135k=
Reserves not available under the articles1311€135k€135k=
Tax-exempt reserves132€23k€23k=
Distributable reserves133€665k€677k▲
Amounts payable17/49€348k€440k▲
Amounts payable after more than one year17€155k€182k▲
Financial debts170/4€155k€182k▲
Amounts payable within one year42/48€193k€257k▲
Current portion of amounts payable after more than one year42€37k€54k▲
Financial debts43€7k€0▼
Credit institutions430/8€7k€0▼
Trade debts44€118k€154k▲
Suppliers440/4€118k€154k▲
Advances received on contracts in progress46€0€19k▲
Taxes, remuneration and social security45€17k€21k▲
Taxes450/3€0€1k▲
Remuneration and social security454/9€17k€20k▲
Other amounts payable47/48€15k€10k▼
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Non-recurring operating income76A€115€0▼
Remuneration, social security and pensions62€254k€287k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€70k€83k▲
Other operating charges640/8€37k€39k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€377k€431k▲
Operating profit (loss)9901€16k€22k▲
Financial income75/76B€5k€5k▲
Recurring financial income75€5k€5k▲
Financial charges65/66B€10k€10k▼
Recurring financial charges65€10k€10k▼
Profit (loss) for the period before taxes9903€11k€18k▲
Income taxes67/77€4k€5k▲
Profit (loss) for the period9904€7k€12k▲
Profit (loss) for the period to be appropriated9905€7k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€12k▲
Transfer to equity691/2€7k€12k▲
To other reserves6921€7k€12k▲
Social balance
Average headcount (FTE)90874.14.6▲
The notes to these accounts (22 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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 17 days late
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity doublescurrent ratio 2.11
Current ratio from 1.03 to 2.11; short-term debt falls from €182k to €148k.
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €44k
Net result €44k after one loss-making year.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Weakest financial yearnet €-124k ▼235%
Net result drops to €-124k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
23-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
09-02
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
09-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Lochristi · 1 establishment unit since 2005
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.
Craenendam 19185 LochristiGround area
1.1 ha
Building footprint
5,992 m²
Volume, LiDAR
35,207 m³
2 parcels, Flanders · tallest building 13.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RESTOGA
since 20052.145.212.111
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41050A0180/00E000 | Flanders | 8,274 m² | 1 · 2,852 m² | 13.0 m · 2 fl. |
| 44073E0186/00A000 | Flanders | 3,143 m² | 1 · 3,140 m² | 10.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2024 to 2025 · 2 entries · 592 EUR awarded · 296 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 296 EUR | 0 EUR |
| 2024 | 1 | 296 EUR | 296 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteGeraardsbergen2.145.212.111
Similar companies · same sector, comparable size
A. ARCHIDUC
BE 0427.875.710
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H.L.JEWELS
BE 0825.810.785
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ARCUS
BE 0479.030.639
Ranst · Eq €850k
Résidence du Sanglier
BE 0749.677.861
Durbuy · Eq €849k
KSOUR
BE 0599.817.910
Brussel · Eq €849k
Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 3,078 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-01-2005
Fiscal year end31-12
Activities, NACEBEL
55301
55302
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.