Debts
€146,387 78% of the balance sheet
Financial debts 55%Suppliers 18%Taxes and wages 2%Other 24%
Of this, €65,201 falls due within a year.
SMALL
Lifetime
10 annual accounts with figures on one time axispeak €110,310 (2024)
€60,902▼ 44.8%
lowest -€21,774 (2025)
-€21,774▼ €41,358
peak €62,952 (2024)
€41,178▼ 34.6%
€146,387▼ 1.3%
peak 0.1 FTE (2018)
-not published
Board2 names since 2021
1 directorMELICE Noé
Owners2 names in the annual accounts
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Gross margin from €110,310 to €60,902Loss of €21,774Equity from €62,952 to €41,178
Key points
from the 2025 annual accountsStaff
1 employees on 31-12-2025
In 2025, 1 person joined and nobody left.
Position in the sector
-€21,774
Lower net result than 88% of companies in food and beverage service. Sector median €4,886 · 17,134 companies.
2025 accounts filed 31 days after the deadline
Checked score
50
Fair
Financially stronger than 34% of micro companies in food and beverage service (NACE 56)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.8% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.8% across 23,788 companies (NACE 56, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.2%
01-2025: 1.2%● unchanged vs 12-2024
02-2025: 1.2%● unchanged vs 01-2025
03-2025: 1.1%▼ -0.1 percentage points vs 02-2025
04-2025: 1.3%▲ +0.2 percentage points vs 03-2025
05-2025: 1.5%▲ +0.2 percentage points vs 04-2025
06-2025: 1.5%● unchanged vs 05-2025
07-2025: 1.6%▲ +0.1 percentage points vs 06-2025
08-2025: 2.4%▲ +0.8 percentage points vs 07-2025
09-2025: 1.5%▼ -0.9 percentage points vs 08-2025
10-2025: 1.5%● unchanged vs 09-2025
11-2025: 1.5%● unchanged vs 10-2025
12-2025: 1.5%● unchanged vs 11-2025
01-2026: 1.5%● unchanged vs 12-2025
02-2026: 1.5%● unchanged vs 01-2026
03-2026: 1.5%● unchanged vs 02-2026
04-2026: 1.5%● unchanged vs 03-2026
05-2026: 1.0%▼ -0.5 percentage points vs 04-2026
06-2026: 0.9%▼ -0.1 percentage points vs 05-2026lowest value
07-2026: 1.0%▲ +0.1 percentage points vs 06-2026
08-2026: 1.6%▲ +0.6 percentage points vs 07-2026
09-2026: 2.9%▲ +1.3 percentage points vs 08-2026highest value
10-2026: 2.8%▼ -0.1 percentage points vs 09-2026
11-2026: 2.8%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Sector: Food and beverage service activities (NACE 56)
Last filed accounts filed 31 days late; 1 of the last 3 accounts late
Loss of €21,774 (financial year 2025)
Equity €41,178 (22.0% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 56, micro). It does better than 43% of them on solvency, 53% on liquidity, 19% on profitability and 19% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,294 companies had the same profile as SMALL has now. Each dot stands for 4 companies, two years later.
89.6%
were still trading
5.9%
stopped another way
4.1%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of SMALL itself: 2.8% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,294 companies, not a prediction for SMALL. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.17 (1.49 in 2024), below the usual 1.5. Short-term debt is 34.8% and cash 13.3% of total assets. 78% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
raises risk
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
31 days late
2024
29 days late
2023
12 days late
2022
28 days late
2021
11 days late
2020
90 days late
2019
67 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 38 days after the deadline. In the sector (NACE 56), the median for financial year 2024 was 7 days after the deadline, and 53% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 28 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- NOE MELICE 50%annual accounts 2016
- SARAH SCOHIER 50%annual accounts 2016
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0639754590
Registered office moved from Montigny-le-Tilleul to Marcinelle
New registered office: rue des Prairies 25B à 6001 Marcinelle · Previous registered office: Rue de Jamioulx 394 à 6110 Montigny-le-Tilleul · General meeting of 27-03-2024 · Gazette deed
Transfer of 50 shares from SCOHIER Sarah to Noé MELICE
Resignation: SCOHIER Sarah (director) · Director discharge: SCOHIER Sarah · Noé MELICE holds all the shares · General meeting of 22-11-2021 · Gazette deed
Purpose change · Legal-form change · Resignations & appointments
Appointments: MELICE Noé (director) and SCOHIER Sarah Rita Jeannine (director) · “L’exploitation de restaurants,cafés,tavernes,friteries,pizzerias,snacks ;l'achat et la vente de boissons,de…” (deed in French) · MELICE Noé holds 50 shares · General meeting of 23-09-2021 · Gazette deed
Comparable companies
same main activity, similar in size and ageThese companies have the same main activity as SMALL: cafés and bars (NACE 56301). They are comparable in size and age: total assets between €162,000 and €202,000, founded between 2013 and 2016.
Official details
Source: KBO- Status
- Active since 30-09-2015Normal situation
- Activity
- Cafés and barsNACE 56301and 2 others
- Joint committee
- 124Construction · annual accounts 2021
- Establishment unit
- 2.246.612.3476110 Montigny-le-Tilleul, since 01-10-2015
- Financial year end
- 31 December
- Peppol
- Reachable since 25-03-2026
Annual accounts 2025
- ≈ €220,000estimated
- €187,565▼ 11.2%
- Employeeson 31-12-2025
- 1▼ 50.0%
- Filing
- Filed on 31-08-2026
Insights on SMALL
SMALL files the micro format. That format states no turnover. The gross margin rose from €17,437 in 2016 to €60,902 in 2025.
The balance sheet grew most from 2022 to 2024 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SMALL
- What is the company number of SMALL?
- The company number of SMALL is 0639.754.590. The VAT number is the same number with BE in front: BE 0639.754.590.
- Where is SMALL based?
- The registered office is at Rue des Prairies 25, 6001 Charleroi.Company details
- What does SMALL do?
- According to the KBO register, the main activity is cafés and bars (NACE 56301).
- What is the legal form of SMALL?
- SMALL is a private limited company (BV).
- When was SMALL founded?
- SMALL was founded on 30-09-2015.
- Is SMALL still active?
- Yes, SMALL is an active enterprise in the KBO register.
- How many employees does SMALL have?
- SMALL had an average of 1.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does SMALL fall under?
- In its 2021 annual accounts, SMALL states joint committee 124 (Construction).
- What is the turnover of SMALL?
- The turnover in financial year 2025 is ≈ €220,000. This figure is estimated from the gross margin of €60,902 and 36 comparable companies (NACE 56301). It probably lies between €180,000 and €290,000.
- Is SMALL profitable?
- In financial year 2025, SMALL made a loss of €21,774.
- Where can I find the annual accounts of SMALL?
- SMALL filed 10 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SMALL due?
- SMALL must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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