Taverne De Klokke
ActiveThe computed 12-month bankruptcy probability of Taverne De Klokke is 1.6% (moderate). The 2025 annual accounts show equity of €37k and a net result of €36k. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 28% of 13061 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
70
/ 100
Healthy▲ +2 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency34▼-2
Growth58▼-20
Stability100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.9 against 1.06 in 2024), but 95.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
4.1%
Return on assets
4%
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 08-07-2026, 23 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
23 d early
2024
16 d early
2023
33 d early
2022
18 d early
2021
26 d early
2020
36 d early
2019
25 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€37k▼ 34.1%
2024 · €57k
2018: €45k
2019: €63k
2020: €39k
2021: €41k
2022: €57k
2023: €63k
2024: €57k
2018 → 2025
Total assets
€904k▲ 281%
2024 · €237k
2018: €286k
2019: €322k
2020: €203k
2021: €258k
2022: €248k
2023: €207k
2024: €237k
2018 → 2025
Net result
€36k▼ 52.6%
2024 · €76k
2018: €31k
2019: €78k
2020: €-25k
2021: €45k
2022: €49k
2023: €6k
2024: €76k
2018 → 2025
Working capital
€130k▲ 1,253%
2024 · €10k
2018: €36k
2019: €41k
2020: €48k
2021: €46k
2022: €64k
2023: €50k
2024: €10k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€41k-€57k▲ 39.0%€63k▲ 9.8%€57k▼ 9.8%€37k▼ 34.1%
Operating result€47k-€57k▲ 19.8%€12k▼ 78.5%€99k▲ 717%€56k▼ 43.5%
Net result€45k-€49k▲ 10.2%€6k▼ 88.5%€76k▲ 1,252%€36k▼ 52.6%
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 43% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €904k
Fixed assets
€628k▲ 912%
Current assets
€276k▲ 57.5%
Equity and liabilities €904k
Equity
€37k▼ 34.1%
Debt
€866k▲ 380%
The debt ratio rises from 76.1% to 95.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€97k▼
2024 · €120k
Cash flow
€77k▼
2024 · €97k
Solvency
4.1%▼
2024 · 23.9%
Current ratio
1.90▲
2024 · 1.06
Quick ratio
1.74▲
2024 · 0.96
Debt / equity
23.16▲
2024 · 3.18
ROE
96.6%▼
2024 · 134.2%
ROA
4.0%▼
2024 · 32.1%
Interest coverage
5.49▼
2024 · 48.93
Debt
€866k▲
2024 · €180k
Debt ≤ 1 year
€145k▼
2024 · €165k
Debt > 1 year
€721k▲
2024 · €15k
Income taxes
€9k▼
2024 · €21k
Staff costs
€160k▼
2024 · €165k
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€237k€904k▲
Fixed assets21/28€62k€628k▲
Tangible fixed assets22/27€62k€628k▲
Land and buildings22-€561k
Plant, machinery and equipment23€23k€34k▲
Furniture and vehicles24€14k€14k▼
Other tangible fixed assets26€25k€19k▼
Current assets29/58€175k€276k▲
Stocks and contracts in progress3€17k€23k▲
Stocks30/36€17k€23k▲
Amounts receivable within one year40/41€18k€117k▲
Trade receivables40€14k€16k▲
Other amounts receivable41€4k€102k▲
Cash at bank and in hand54/58€140k€133k▼
Deferred charges and accrued income490/1€944€2k▲
Equity and liabilities
Total equity and liabilities10/49€237k€904k▲
Equity10/15€57k€37k▼
Contributions10/11€75€75=
Reserves13€57k€37k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€57k€37k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€180k€866k▲
Amounts payable after more than one year17€15k€721k▲
Financial debts170/4€15k€721k▲
Amounts payable within one year42/48€165k€145k▼
Current portion of amounts payable after more than one year42€21k€43k▲
Financial debts43-€30k
Other loans439-€30k
Trade debts44€38k€61k▲
Suppliers440/4€38k€61k▲
Taxes, remuneration and social security45€21k€11k▼
Taxes450/3€14k€4k▼
Remuneration and social security454/9€7k€7k▼
Other amounts payable47/48€86k€0▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€165k€160k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€41k▲
Other operating charges640/8€19k€76k▲
Gross operating margin9900€304k€333k▲
Operating profit (loss)9901€99k€56k▼
Financial income75/76B€376€6k▲
Recurring financial income75€376€6k▲
Financial charges65/66B€2k€18k▲
Recurring financial charges65€2k€18k▲
Profit (loss) for the period before taxes9903€97k€45k▼
Income taxes67/77€21k€9k▼
Profit (loss) for the period9904€76k€36k▼
Profit (loss) for the period to be appropriated9905€76k€36k▼
Appropriation of the result
Profit (loss) to be appropriated9906€79k€36k▼
Profit (loss) brought forward from the previous period14P€3k€0▼
Transfer from equity791/2€4k€55k▲
Transfer to equity691/2€0€36k▲
To other reserves6921€0€36k▲
Profit to be distributed694/7€82k€55k▼
Return on contributions (dividend)694€82k€55k▼
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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €45k
Net result €45k after one loss-making year.
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-25k ▼132%
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
31-12
Financial
Highest result since 2018net €78k ▲149%
Operating result €101k, net result €78k, both a record.
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB 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 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Oostende · 1 establishment unit since 2017
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.
Christinastraat 358400 OostendeGround area
109 m²
Building footprint
109 m²
Volume, LiDAR
1,664 m³
Parcel 35013A0890/00B000, Flanders · tallest building 20.2 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Taverne De Klokke
since 20172.263.962.182
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35013A0890/00B000 | Flanders | 109 m² | 1 · 109 m² | 20.2 m · 6 fl. |
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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteOostende2.263.962.182
Similar companies · same sector, comparable size
LUWPAT
BE 0653.844.633
Etterbeek · Eq €37k
DE BOSSERIE
BE 1008.708.245
Eeklo · Eq €37k
Tschuttershof
BE 0805.292.416
Ichtegem · Eq €37k
ELAURE
BE 0824.515.539
Kortrijk · Eq €37k
JUME
BE 0652.879.779
Aalst · Eq €37k
Of 20,231 companies in sector 56111 we hold annual accounts for 11,313. 9,534 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-04-2017
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56301Cafés and bars
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
93291Sports, amusement and recreation activities
93292Sports, amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.