T.B. Lunch
ActiveThe computed 12-month bankruptcy probability of T.B. Lunch is 3.6% (moderate). The 2025 annual accounts show equity of €26k and a net result of €9k. Equity is growing by ~48.1% per year across the filed fiscal years. Its solvency ranks better than 82% of 13204 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+14
Solvency94▲+14
Growth78=
Track record94
Bankruptcy probability, 12 months
3.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.75 against 0.7 in 2024; short-term debt: 31.4% and cash: 41.3% of total assets), and 31.4% 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 · 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
68.6%
Return on assets
25%
Age of the figures
9 mo
neutral · Filed after the deadline
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. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
30 d late
2022
31 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€26k▲ 57.3%
2024 · €16k
2022: €5k
2023: €12k
2024: €16k
2022 → 2025
Total assets
€38k▲ 26.7%
2024 · €30k
2022: €40k
2023: €36k
2024: €30k
2022 → 2025
Net result
€9k▲ 108%
2024 · €5k
2022: €3k
2023: €7k
2024: €5k
2022 → 2025
Working capital
€9k
2024 · €-4k
2022: €-20k
2023: €-11k
2024: €-4k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€5k-€12k▲ 130%€16k▲ 38.2%€26k▲ 57.3%
Operating result€4k-€10k▲ 135%€7k▼ 26.4%€14k▲ 81.8%
Net result€3k-€7k▲ 113%€5k▼ 32.5%€9k▲ 108%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 82% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €38k
Fixed assets
€17k▼ 16.9%
Current assets
€21k▲ 122%
Equity and liabilities €38k
Equity
€26k▲ 57.3%
Debt
€12k▼ 11.1%
The debt ratio falls from 44.8% to 31.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€17k▲
2024 · €11k
Cash flow
€13k▲
2024 · €8k
Solvency
68.6%▲
2024 · 55.2%
Current ratio
1.75▲
2024 · 0.70
Quick ratio
1.71▲
2024 · 0.64
Debt / equity
0.46▼
2024 · 0.81
ROE
36.4%▲
2024 · 27.6%
ROA
25.0%▲
2024 · 15.3%
Interest coverage
8.37▲
2024 · 5.78
Debt
€12k▼
2024 · €13k
Debt ≤ 1 year
€12k▼
2024 · €13k
Income taxes
€2k▲
2024 · €1k
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€30k€38k▲
Fixed assets21/28€20k€17k▼
Intangible fixed assets21€7k€6k▼
Tangible fixed assets22/27€13k€11k▼
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26€10k€9k▼
Current assets29/58€9k€21k▲
Stocks and contracts in progress3€768€432▼
Stocks30/36€768€432▼
Amounts receivable within one year40/41€728€4k▲
Trade receivables40€605€829▲
Other amounts receivable41€123€3k▲
Cash at bank and in hand54/58€7k€16k▲
Deferred charges and accrued income490/1€681€703▲
Equity and liabilities
Total equity and liabilities10/49€30k€38k▲
Equity10/15€16k€26k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€14k€24k▲
Amounts payable17/49€13k€12k▼
Amounts payable within one year42/48€13k€12k▼
Trade debts44€9k€8k▼
Suppliers440/4€9k€8k▼
Taxes, remuneration and social security45€3k€3k▲
Taxes450/3€3k€3k▲
Other amounts payable47/48€1k-
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€177k€204k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€207€1k▲
Gross operating margin9900€11k€18k▲
Operating profit (loss)9901€7k€14k▲
Financial income75/76B€63€168▲
Recurring financial income75€63€168▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€6k€12k▲
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€5k€9k▲
Profit (loss) for the period to be appropriated9905€5k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€24k▲
Profit (loss) brought forward from the previous period14P€10k€14k▲
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2022net €9k ▲108%
Operating result €14k, net result €9k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.75
Current ratio from 0.70 to 1.75; short-term debt falls from €13k to €12k.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · 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
3 acts for this company are 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, Halle · 1 establishment unit since 2022
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.
Dorpslaan 21501 HalleGround area
609 m²
Building footprint
180 m²
Volume, LiDAR
1,575 m³
2 parcels, Brussels, Flanders · tallest building 17.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
T.B. Lunch
since 20222.330.686.997
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23013B0118/00S000 | Flanders | 516 m² | 1 · 89 m² | 8.8 m · 2 fl. |
| 21445C0226/00C002 | Brussels | 93 m² | 1 · 92 m² | 17.4 m · 5 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 siteElsene2.330.686.997
Similar companies · same sector, comparable size
CHERRY FOOD
BE 0641.660.146
Brussel · Eq €26k
De Levant
BE 0783.698.632
Turnhout · Eq €26k
MATLOU
BE 0742.918.644
Wavre · Eq €26k
BELGISCH BAKSKE
BE 0651.970.751
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FASTFOOD WAY
BE 0793.558.681
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,784. 8,308 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-04-2022
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.