Sweet Bean
ActiveThe computed 12-month bankruptcy probability of Sweet Bean is 4.3% (elevated). The 2025 annual accounts show equity of €100k and a net result of €34k. Equity is growing by ~25.4% per year across the filed fiscal years. Its solvency ranks better than 54% of 13071 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
86
/ 100
Excellent▲ +10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency77▲+47
Growth78=
Stability94
Bankruptcy probability, 12 months
4.3%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.35 against 1.14 in 2024), but 65.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · 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
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
34.9%
Return on assets
12.1%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-03-2026, 31 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
31 d early
2024
20 d early
2023
55 d late
2022
18 d late
2021
31 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€100k▲ 49.2%
2024 · €67k
2021: €29k
2022: €44k
2023: €55k
2024: €67k
2021 → 2025
Total assets
€285k▼ 11.2%
2024 · €321k
2021: €293k
2022: €299k
2023: €301k
2024: €321k
2021 → 2025
Net result
€34k▼ 3.0%
2024 · €36k
2021: €4k
2022: €15k
2023: €25k
2024: €36k
2021 → 2025
Working capital
€52k▲ 290%
2024 · €13k
2021: €-14k
2022: €-18k
2023: €4k
2024: €13k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€29k-€44k▲ 51.4%€55k▲ 24.8%€67k▲ 21.8%€100k▲ 49.2%
Operating result€6k-€22k▲ 256%€34k▲ 52.5%€45k▲ 33.5%€52k▲ 14.1%
Net result€4k-€15k▲ 274%€25k▲ 67.3%€36k▲ 42.6%€34k▼ 3.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 14% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €285k
Fixed assets
€194k▼ 7.6%
Current assets
€91k▼ 18.0%
Equity and liabilities €285k
Equity
€100k▲ 49.2%
Debt
€185k▼ 27.0%
The debt ratio falls from 79.2% to 65.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€69k▲
2024 · €64k
Cash flow
€52k▼
2024 · €54k
Solvency
34.9%▲
2024 · 20.8%
Current ratio
2.35▲
2024 · 1.14
Quick ratio
2.25▲
2024 · 1.10
Debt / equity
1.86▼
2024 · 3.81
ROE
34.7%▼
2024 · 53.3%
ROA
12.1%▲
2024 · 11.1%
Interest coverage
13.33▲
2024 · 11.25
Debt
€185k▼
2024 · €254k
Debt ≤ 1 year
€39k▼
2024 · €97k
Debt > 1 year
€141k▼
2024 · €154k
Income taxes
€12k▲
2024 · €4k
Staff costs
€0▲
2024 · €-412
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€321k€285k▼
Fixed assets21/28€210k€194k▼
Tangible fixed assets22/27€210k€194k▼
Land and buildings22€93k€86k▼
Plant, machinery and equipment23€23k€19k▼
Furniture and vehicles24€226€180▼
Other tangible fixed assets26€94k€89k▼
Current assets29/58€111k€91k▼
Stocks and contracts in progress3€4k€4k▼
Stocks30/36€4k€4k▼
Amounts receivable within one year40/41€0€4k▲
Trade receivables40€0€1k▲
Other amounts receivable41€0€3k▲
Cash at bank and in hand54/58€107k€83k▼
Deferred charges and accrued income490/1€100€0▼
Equity and liabilities
Total equity and liabilities10/49€321k€285k▼
Equity10/15€67k€100k▲
Contributions10/11€25k€25k=
Reserves13€42k€75k▲
Distributable reserves133€42k€75k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€254k€185k▼
Amounts payable after more than one year17€154k€141k▼
Financial debts170/4€154k€141k▼
Amounts payable within one year42/48€97k€39k▼
Current portion of amounts payable after more than one year42€13k€13k▲
Trade debts44€8k€854▼
Suppliers440/4€8k€854▼
Taxes, remuneration and social security45€7k€3k▼
Taxes450/3€7k€3k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€70k€22k▼
Accrued charges and deferred income492/3€3k€5k▲
Income statement
Code20242025
Remuneration, social security and pensions62€-412€0▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€17k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€66k€71k▲
Operating profit (loss)9901€45k€52k▲
Financial income75/76B€108€2▼
Recurring financial income75€108€2▼
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€40k€47k▲
Income taxes67/77€4k€12k▲
Profit (loss) for the period9904€36k€34k▼
Profit (loss) for the period to be appropriated9905€36k€34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€34k▼
Transfer to equity691/2€12k€33k▲
To other reserves6921€12k€33k▲
Profit to be distributed694/7€24k€2k▼
Return on contributions (dividend)694€2k€2k▲
Directors or managers695€22k€0▼
The notes to these accounts (7 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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Liquidity doublescurrent ratio 2.35
Current ratio from 1.14 to 2.35; short-term debt falls from €97k to €39k.
10-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2021net €36k ▲42.6%
Net result €36k, the highest in the series.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 55 days late
2023
18-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Gent · 2 establishment units since 2020
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.
Aannemersstraat 669040 GentGround area
285 m²
Building footprint
168 m²
Volume, LiDAR
1,381 m³
2 parcels, Flanders · tallest building 15.3 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Sweet Bean
since 20202.309.088.958
Sweet Bean
since 20202.309.089.057
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44012B0713/00P005 | Flanders | 152 m² | 1 · 89 m² | 11.2 m · 2 fl. |
| 44432C1147/00T005 | Flanders | 133 m² | 1 · 79 m² | 15.3 m · 4 fl. |
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 siteNazareth-De Pinte2.309.088.958
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Of 20,232 companies in sector 56111 we hold annual accounts for 11,312. 9,471 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-10-2020
Fiscal year end30-09
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
47120Other non-specialised retail sale
47241Retail sale of bread and pastry (bakery outlets)
47559Retail sale of other household articles
47599Retail trade
47910Retail trade
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.sweetbean.be
E-mail:vancampels@gmail.com