't Vistrapje
ActiveSummary
The computed 12-month bankruptcy probability of 't Vistrapje is 1.6% (moderate). The 2025 annual accounts show equity of €189k and a net result of €2k. Equity is growing by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 60% of 13305 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-4
Solvency67▼-2
Growth52=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity short (current ratio 1.0 against 1.2 in 2024; short-term debt: 29.4% and cash: 21.5% of total assets), and 57.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 →
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
42.4%
Return on assets
0.5%
Age of the figures
9 mo
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
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 23-07-2026, 8 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
8 d early
2024
14 d early
2023
22 d early
2022
72 d late
2021
71 d late
2020
31 d late
2019
91 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€189k▼ 14.0%
2024 · €220k
2019: €104k
2020: €133k
2021: €183k
2022: €209k
2023: €217k
2024: €220k
2019 → 2025
Total assets
€445k▼ 10.5%
2024 · €497k
2019: €164k
2020: €155k
2021: €551k
2022: €632k
2023: €530k
2024: €497k
2019 → 2025
Net result
€2k▼ 86.9%
2024 · €17k
2019: €92k
2020: €29k
2021: €50k
2022: €110k
2023: €8k
2024: €17k
2019 → 2025
Working capital
€-215
2024 · €25k
2019: €78k
2020: €109k
2021: €-33k
2022: €-10k
2023: €14k
2024: €25k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€183k-€209k▲ 14.3%€217k▲ 4.0%€220k▲ 1.1%€189k▼ 14.0%
Operating result€52k-€118k▲ 125%€14k▼ 88.1%€27k▲ 92.3%€7k▼ 74.8%
Net result€50k-€110k▲ 120%€8k▼ 92.4%€17k▲ 108%€2k▼ 86.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 75% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €445k
Fixed assets
€315k ▼ 10.0%
Current assets
€131k ▼ 11.6%
Equity and liabilities €445k
Equity
€189k ▼ 14.0%
Debt
€256k ▼ 7.7%
Debt's share of the balance-sheet total rises from 55.8% to 57.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€45k▼
2024 · €67k
Cash flow
€40k▼
2024 · €57k
Current ratio
1.00▼
2024 · 1.20
Quick ratio
0.88▼
2024 · 1.06
Debt to equity
1.36▲
2024 · 1.26
ROE
1.2%▼
2024 · 7.9%
ROA
0.5%▼
2024 · 3.5%
Interest coverage
12.77▼
2024 · 13.72
Debt ≤ 1 year
€131k▲
2024 · €123k
Debt > 1 year
€125k▼
2024 · €153k
Income taxes
€1k▼
2024 · €5k
Staff costs
€198k▲
2024 · €191k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€497k€445k▼
Fixed assets21/28€350k€315k▼
Tangible fixed assets22/27€350k€315k▼
Plant, machinery and equipment23€45k€41k▼
Furniture and vehicles24€5k€3k▼
Other tangible fixed assets26€300k€271k▼
Current assets29/58€148k€131k▼
Stocks and contracts in progress3€18k€16k▼
Stocks30/36€18k€16k▼
Amounts receivable within one year40/41€8k€5k▼
Other amounts receivable41€8k€5k▼
Cash at bank and in hand54/58€116k€96k▼
Deferred charges and accrued income490/1€6k€14k▲
Equity and liabilities
Total equity and liabilities10/49€497k€445k▼
Equity10/15€220k€189k▼
Contributions10/11€19k€19k=
Reserves13€201k€170k▼
Distributable reserves133€201k€170k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€278k€256k▼
Amounts payable after more than one year17€153k€125k▼
Financial debts170/4€153k€125k▼
Amounts payable within one year42/48€123k€131k▲
Current portion of amounts payable after more than one year42€28k€28k▲
Trade debts44€27k€21k▼
Suppliers440/4€27k€21k▼
Advances received on contracts in progress46€8k€7k▼
Taxes, remuneration and social security45€36k€40k▲
Taxes450/3€17k€18k▲
Remuneration and social security454/9€20k€21k▲
Other amounts payable47/48€24k€35k▲
Accrued charges and deferred income492/3€1k€544▼
Income statement
Code20242025
Non-recurring operating income76A-€6
Remuneration, social security and pensions62€191k€198k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€38k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€260k€246k▼
Operating profit (loss)9901€27k€7k▼
Financial income75/76B€280€314▲
Recurring financial income75€280€314▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€23k€4k▼
Income taxes67/77€5k€1k▼
Profit (loss) for the period9904€17k€2k▼
Profit (loss) for the period to be appropriated9905€17k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€17k€2k▼
Transfer from equity791/2-€31k
Transfer to equity691/2€2k€0▼
To other reserves6921€2k€0▼
Profit to be distributed694/7€15k€33k▲
Return on contributions (dividend)694€15k€33k▲
The notes to these accounts (10 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €2k ▼86.9%
Net result drops to €2k, the lowest in the series.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 72 days late
2022
31-12
Financial
Highest result since 2019net €110k ▲120%
Net result €110k, the highest in the series.
31-12
Financial
Equity above €200kEq €209k ▲14.3%
4 profitable years in a row build equity to €209k.
10-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 71 days late
2021
31-12
Financial
Equity above €150kEq €183k ▲37.5%
3 profitable years in a row build equity to €183k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 6.04
Current ratio from 2.30 to 6.04; short-term debt falls from €60k to €22k.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Oostende · 1 establishment unit since 2018
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.
Visserskaai 358400 OostendeGround area
17 m²
Parcel 35013A0620/08_000, Flanders. Linked by address, not a title deed.
1 establishment unit
't Vistrapje
since 20182.277.394.209
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35013A0620/08_000 | Flanders | 17 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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 siteOostende2.277.394.209
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Of 20,493 companies in sector 56111 we hold annual accounts for 11,461. 8,665 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-07-2018
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.