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Complete company report
Generated 23-08-2026
Active BE 1005.373.029Private limited company

S.R.L JOSEPH

Avenue du Parc 22 ·4650 Herve, Belgium· 2 yrs active
Sector: Activiteiten van eetgelegenheden met volledige bediening (56111)
Conclusion Checked

The computed 12-month bankruptcy probability of S.R.L JOSEPH is 7.6% (elevated). The 2024 annual accounts show negative equity (€-231k) and a net result of €-236k. Its solvency ranks better than 15% of 332 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €-231k
Net result €-236k
Staff (FTE) 2.9
Better than sector 15%
Financial profile 4 of 5 axes measured · computed by Checked
Health10Profitability100Solvency33Growth-Stability67
52 / 100

Mixed profile: strong on profitability, weaker on health.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 10
Profitability 100
Solvency 33
Growth -
Stability 67
Bankruptcy probability (12 mo) Checked model v1 · free
7.6% Elevated
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector +Young company +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2024 · computed
10 / 100 Critical
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 27-08-2025 with the NBB · fiscal year 2024 · volledig
Sector comparison
Fiscal year 2024 · NACE 56, Food & beverage service · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency -40.2% 11.6%
better than 15% of 332 sector peers
Net result €-236k €2k
better than 5% of 332 sector peers
Equity €-231k €17k
better than 5% of 332 sector peers
Gross operating margin €-19k €182k
better than 5% of 322 sector peers
Staff costs €155k €218k
higher than 42% of 276 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositvolledig
Revenue-
EBITDA€-190k
Net profit€-236k
Cash flow€-200k
Staff costs€155k
Income taxes-
Dividends-
Total assets€575k
Equity€-231k
Debt€806k
of which ≤ 1y€800k
of which > 1y-
Working capital€-773k
Employees (FTE)2.9
Ratios (computed)
2024
Current ratio0.03
Quick ratio0.03
Working capital ratio-134.6%
Solvency-40.2%
Debt / equity-3.49
Long-term debt ratio-
Interest coverage-17.86
Gross margin-
Net margin-
ROA-41.1%
ROE102.2%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€575k
Fixed assets 21/28€548k
Intangible fixed assets 21€27k
Tangible fixed assets 22/27€520k
Current assets 29/58€27k
Stocks & contracts in progress 3€5k
Amounts receivable within one year 40/41€5k
Cash & bank 54/58€16k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€575k
Equity 10/15€-231k
Contributions / capital 10/11€5k
Accumulated profits (losses) 14€-236k
Amounts payable 17/49€806k
Amounts payable within one year 42/48€800k
Trade debts payable within one year 44€4k
Income statement
Gross operating margin 9900€-19k
Operating result 9901€-226k
Financial income 75€0
Financial charges 65€11k
Result before taxes 9903€-236k
Net result for the period 9904€-236k
Result to be appropriated 9905€-236k
Ratios computed by Checked.
Legal Structure
NACE primary Activiteiten van eetgelegenheden met volledige bediening(56111)
Legal form Private limited company(610)
Incorporation30-01-2024
StatusActive
Postal code4650
Establishment units 1 location
le Bouquin
Place des Carmes 8, 4000 LiègeCafé-restaurants (tavernen)
since 20242.356.893.825
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
63014A0644/00C000 Wallonia 1.4 ha 1 · 8,952 m² 15.7 m · 2 fl.
62063A1689/00C000 Wallonia 1,229 m² 1 · 664 m² 26.8 m · 8 fl.
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.
Updates 2 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
27-08-2025
NBB filing Annual accounts filed
fiscal year 2024 · volledig
22-04-2025
State Gazette act Director changes
Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2025
22-04-2025 3 directors appointed Director changes
  • Yolande LAMBRIX, Commissaris
  • Helmut JOUSTEN, Commissaris
  • Marin BOSQUIN, Commissaris
Technical details 
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      "reason": null,
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  "notary": {
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    "is_associated": false
  },
  "act_meta": {
    "language": "fr",
    "pub_date": "2025-04-22",
    "filing_date": "2025-01-10",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
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      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "1005.373.029",
    "name_full": "S.R.L. JOSEPH",
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  "co_filed_documents": [],
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}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Eetgelegenheden met volledige bediening56101Activiteiten van eetgelegenheden met volledige bediening56111Eetgelegenheden met beperkte bediening56102Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden56112
Primary activity highlighted.
Names & trade names
Legal nameFR S.R.L JOSEPH
Trade nameFR S.R.L JOSEPH
Registered office
Avenue du Parc 22
4650 Herve, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative