Sjoeke
ActiveThe computed 12-month bankruptcy probability of Sjoeke is 3.8% (moderate). The 2025 annual accounts show equity of €9k and a net result of €20k. Its solvency ranks better than 37% of 13044 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
66
/ 100
Healthy▲ +46 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency22▼-16
Growth78
Stability82
Bankruptcy probability, 12 months
3.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.04 against 0.7 in 2024), and 85.1% 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 →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
14.9%
Return on assets
34.2%
Age of the figures
8 mo
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 26-05-2026, 66 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
66 d early
2024
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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€9k
2024 · €-12k
2024: €-12k
2024 → 2025
Total assets
€60k▲ 25.8%
2024 · €47k
2024: €47k
2024 → 2025
Net result
€20k
2024 · €-15k
2024: €-15k
2024 → 2025
Working capital
€2k
2024 · €-18k
2024: €-18k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€-12k-€9k
Operating result€-14k-€32k
Net result€-15k-€20k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €32k after a loss of €14k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €60k
Fixed assets
€7k▲ 16.8%
Current assets
€53k▲ 27.1%
Equity and liabilities €60k
Equity
€9k
Debt
€51k
Debt finances 85.1% of the balance-sheet total.
Key figures and ratios
EBITDA
€34k
Cash flow
€22k
Solvency
14.9%▲
2024 · -24.2%
Current ratio
1.04▲
2024 · 0.70
Quick ratio
0.50▲
2024 · 0.18
Debt / equity
5.71▲
2024 · -5.12
ROE
229.3%▲
2024 · 130.4%
ROA
34.2%▲
2024 · -31.6%
Interest coverage
3.95
Debt
€51k▼
2024 · €59k
Debt ≤ 1 year
€51k▼
2024 · €59k
Income taxes
€3k▲
2024 · €121
Staff costs
€33k▲
2024 · €19k
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€47k€60k▲
Fixed assets21/28€6k€7k▲
Tangible fixed assets22/27€6k€7k▲
Land and buildings22€6k€7k▲
Current assets29/58€41k€53k▲
Stocks and contracts in progress3€31k€27k▼
Stocks30/36€31k€27k▼
Amounts receivable within one year40/41€8k€15k▲
Trade receivables40€6k€12k▲
Other amounts receivable41€3k€3k▲
Cash at bank and in hand54/58€2k€10k▲
Equity and liabilities
Total equity and liabilities10/49€47k€60k▲
Equity10/15€-12k€9k▲
Contributions10/11€4k€4k=
Reserves13-€5k
Distributable reserves133-€5k
Profit (loss) carried forward14€-15k-
Amounts payable17/49€59k€51k▼
Amounts payable within one year42/48€59k€51k▼
Trade debts44€26k€31k▲
Suppliers440/4€26k€31k▲
Taxes, remuneration and social security45€2k€8k▲
Taxes450/3€437€3k▲
Remuneration and social security454/9€2k€4k▲
Other amounts payable47/48€31k€12k▼
Income statement
Code20242025
Remuneration, social security and pensions62€19k€33k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€2k
Other operating charges640/8€1k€2k▲
Gross operating margin9900€7k€69k▲
Operating profit (loss)9901€-14k€32k▲
Financial charges65/66B€1k€9k▲
Recurring financial charges65€1k€9k▲
Profit (loss) for the period before taxes9903€-15k€24k▲
Income taxes67/77€121€3k▲
Profit (loss) for the period9904€-15k€20k▲
Profit (loss) for the period to be appropriated9905€-15k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€5k▲
Profit (loss) brought forward from the previous period14P-€-15k
Transfer to equity691/2-€5k
To other reserves6921-€5k
The notes to these accounts (5 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
31-08
State Gazette act
Board meeting · Registered-office moveBoard meeting · Registered-office move2 facts ▸
State Gazette act
Board meeting · Registered-office move
Board meeting · Registered-office move2 facts ▸
- Board meeting, 2026-07-07
- Registered-office move, Prinsessestraat 63 bus 0102, 8870 Izegem
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Izegem · 1 establishment unit since 2024
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.
Prinsessestraat 638870 IzegemGround area
1,370 m²
Building footprint
413 m²
Volume, LiDAR
1 m³
2 parcels, Flanders · tallest building 0.3 m. Linked by address, not a title deed.
1 establishment unit
Café Ariba
since 20242.354.002.235
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36492A1580/00A000 | Flanders | 1,212 m² | 1 · 413 m² | 0.2 m |
| 36008A0406/00F000 | Flanders | 159 m² | - | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteIzegem2.354.002.235
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Of 13,834 companies in sector 56301 we hold annual accounts for 4,807. 3,326 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-01-2024
Fiscal year end31-12
Activities, NACEBEL
56301Cafés and bars
47251Retail sale of wines and spirits
47252Retail sale of beverages, general range
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.