Age4 yrs
Real estate1 parcel · 197 m²
Summary
Conclusion
the dossier summarised in one paragraphA bankruptcy procedure is open for SERGIO according to publications in the Belgian State Gazette. The 2022 annual accounts show equity of €52k and a net result of €14k.
Based on the State Gazette, CBE and 1 annual account.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneBankruptcy opened
A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.
Insolvency timeline
1 events24-11-2025
Bankruptcy
Opening
Trust signals
1 signalOpen bankruptcy
Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.
Administrative Flags
0 events
No administrative flags
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€14k
Working capital€13k
Directors1
Annual accounts & ratios
Source: NBB · 2022Annual accounts filed on 06-11-2023 with the NBB · fiscal year 2022 · volledig
Sector comparison
Fiscal year 2022 · NACE 56, Food & beverage service · compared within the same schema type (full schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 50.2% | 11.6% | |
| Net result | €14k | €-53 | |
| Equity | €52k | €14k | |
| Gross operating margin | €66k | €91k | |
| Staff costs | €45k | €154k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2022 |
|---|---|
| Revenue | - |
| EBITDA | €21k |
| Net profit | €14k |
| Cash flow | €22k |
| Staff costs | €45k |
| Income taxes | - |
| Dividends | - |
| Total assets | €104k |
| Equity | €52k |
| Debt | €52k |
| of which ≤ 1y | €52k |
| of which > 1y | - |
| Working capital | €13k |
| Employees (FTE) | - |
Ratios (computed)
| 2022 | |
|---|---|
| Current ratio | 1.26 |
| Quick ratio | 0.73 |
| Working capital ratio | 12.9% |
| Solvency | 50.2% |
| Debt / equity | 0.99 |
| Long-term debt ratio | - |
| Interest coverage | 126.43 |
| Gross margin | - |
| Net margin | - |
| ROA | 13.7% |
| ROE | 27.4% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2022
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2022 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €104k |
| Fixed assets | 21/28 | €38k |
| Formation expenses | 20 | €913 |
| Tangible fixed assets | 22/27 | €36k |
| Financial fixed assets | 28 | €2k |
| Current assets | 29/58 | €65k |
| Stocks & contracts in progress | 3 | €28k |
| Amounts receivable within one year | 40/41 | €34k |
| Cash & bank | 54/58 | €4k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €104k |
| Equity | 10/15 | €52k |
| Contributions / capital | 10/11 | €38k |
| Accumulated profits (losses) | 14 | €14k |
| Amounts payable | 17/49 | €52k |
| Amounts payable within one year | 42/48 | €52k |
| Trade debts payable within one year | 44 | €34k |
| Income statement | ||
| Gross operating margin | 9900 | €66k |
| Operating result | 9901 | €14k |
| Financial income | 75 | €956 |
| Financial charges | 65 | €166 |
| Result before taxes | 9903 | €14k |
| Net result for the period | 9904 | €14k |
| Result to be appropriated | 9905 | €14k |
Ratios computed by Checked.
Health barometer
FY 2022 · computed23
/ 100
Critical
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Directors
Directors & mandates
indexingNo directors on record yet
Directors and mandates usually appear here within 24 hours of publication in the Belgian State Gazette.
Insolvency mandates
1 mandate| Role | Name | Tenure | Source |
|---|---|---|---|
| Curator | ALEXIA DE CLERCQ EDGARD GEVAERTDREEF 10,
9830 SINT-MARTENS-LATEM |
18-11-2025 → present | Belgian State Gazette |
Legal Structure
| NACE primary | Activiteiten van eetgelegenheden met volledige bediening(56111) |
| Legal form | Private limited company(610) |
| Incorporation | 22-03-2022 |
| Status | Active |
| Postal code | 9080 |
| First BS signal | 24-11-2025 |
| Latest BS signal | 24-11-2025 |
Structure & network
Company structure: linked entities
1 linked entityMandates
Locations & real estate
Establishment units
1 locationDorp-West 2, 9080 Lochristi
since 20222.331.405.391
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area197 m²
Buildings1
Building footprint197 m²
Volume (LiDAR)1,368 m³
Tallest building12.3 m · ±3 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44034A1106/00A000 | Flanders | 197 m² | 1 · 197 m² | 12.3 m · 3 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
1 event from the State Gazette24-11-2025
Bankruptcy
Opening
Time machine: BS events + macro context
2021-2026Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Analysis
Snowflake analysis
financial profile on 5 axes50
/ 100
Mixed profile: strong on profitability, weaker on stability.
Health
23
Profitability
100
Solvency
79
Growth
50
Stability
0
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Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads BankActivities
Eetgelegenheden met volledige bediening56101Activiteiten van eetgelegenheden met volledige bediening56111
Primary activity highlighted.
Names & trade names
| Legal nameNL | SERGIO |
Registered office
Dorp-West 2
9080 Lochristi, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.