Rêve de Chocolat
ActiveThe computed 12-month bankruptcy probability of Rêve de Chocolat is 2.2% (moderate). The 2025 annual accounts show equity of €21k and a net result of €3k. Its solvency ranks better than 45% of 18237 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-15
Solvency54▲+12
Growth52
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.74 against 0.76 in 2024; short-term debt: 39% and cash: 20.2% of total assets), and 71.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-02-2026, 23 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 · 2 filingsDeviation from the deadline
2025
23 d late
2024
14 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€21k▲ 17.5%
2024 · €18k
2024: €18k
2024 → 2025
Total assets
€74k▼ 29.1%
2024 · €105k
2024: €105k
2024 → 2025
Net result
€3k▼ 75.8%
2024 · €13k
2024: €13k
2024 → 2025
Working capital
€-8k▲ 41.0%
2024 · €-13k
2024: €-13k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€18k-€21k▲ 17.5%
Operating result€20k-€9k▼ 55.2%
Net result€13k-€3k▼ 75.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 55% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €74k
Fixed assets
€53k▼ 18.4%
Current assets
€21k▼ 46.4%
Equity and liabilities €74k
Equity
€21k▲ 17.5%
Debt
€53k▼ 38.8%
The debt ratio falls from 82.7% to 71.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€22k▼
2024 · €32k
Cash flow
€16k▼
2024 · €25k
Solvency
28.7%▲
2024 · 17.3%
Current ratio
0.74▼
2024 · 0.76
Quick ratio
0.66▼
2024 · 0.73
Debt / equity
2.48▼
2024 · 4.77
ROE
14.9%▼
2024 · 72.5%
ROA
4.3%▼
2024 · 12.6%
Interest coverage
5.43▼
2024 · 8.17
Debt
€53k▼
2024 · €87k
Debt ≤ 1 year
€29k▼
2024 · €53k
Debt > 1 year
€24k▼
2024 · €34k
Income taxes
€2k▼
2024 · €3k
Staff costs
€27k▲
2024 · €18k
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€105k€74k▼
Fixed assets21/28€65k€53k▼
Intangible fixed assets21€43k€32k▼
Tangible fixed assets22/27€20k€19k▼
Land and buildings22€19k€18k▼
Plant, machinery and equipment23€1k€621▼
Financial fixed assets28€2k€2k=
Current assets29/58€40k€21k▼
Stocks and contracts in progress3€1k€2k▲
Stocks30/36€1k€2k▲
Amounts receivable within one year40/41€8k€4k▼
Trade receivables40€8k€4k▼
Cash at bank and in hand54/58€30k€15k▼
Deferred charges and accrued income490/1-€115
Equity and liabilities
Total equity and liabilities10/49€105k€74k▼
Equity10/15€18k€21k▲
Contributions10/11€5k€5k=
Reserves13€13k€16k▲
Distributable reserves133€13k€16k▲
Amounts payable17/49€87k€53k▼
Amounts payable after more than one year17€34k€24k▼
Financial debts170/4€34k€24k▼
Amounts payable within one year42/48€53k€29k▼
Current portion of amounts payable after more than one year42€9k€10k▲
Trade debts44€17k€6k▼
Suppliers440/4€17k€6k▼
Taxes, remuneration and social security45€8k€4k▼
Taxes450/3€3k€2k▼
Remuneration and social security454/9€4k€2k▼
Other amounts payable47/48€19k€9k▼
Income statement
Code20242025
Remuneration, social security and pensions62€18k€27k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€13k▲
Other operating charges640/8€384€614▲
Gross operating margin9900€50k€50k=
Operating profit (loss)9901€20k€9k▼
Financial income75/76B€23-
Recurring financial income75€23-
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€16k€5k▼
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€13k€3k▼
Profit (loss) for the period to be appropriated9905€13k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€3k▼
Transfer to equity691/2€13k€3k▼
To other reserves6921€13k€3k▼
The notes to these accounts (10 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
23-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 23 days late
2025
14-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Aarschot · 1 establishment unit since 2023
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.
Leuvensestraat 133200 AarschotGround area
58 m²
Building footprint
58 m²
Volume, LiDAR
650 m³
Parcel 24662H0193/00D000, Flanders · tallest building 13.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Rêve de Chocolat
since 20232.347.527.385
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24662H0193/00D000 | Flanders | 58 m² | 1 · 58 m² | 13.9 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 siteAarschot2.347.527.385
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Of 2,477 companies in sector 47279 we hold annual accounts for 950. 705 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-07-2023
Fiscal year end30-06
Activities, NACEBEL
47242Retail sale of chocolate and confectionery
47279Other retail sale of food
47299Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.