The Pub
ActiveThe Pub has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €155k and a net result of €519. Equity is growing by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 13071 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability2▼-13
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 49.02), and 2% 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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
98%
Return on assets
0.3%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
35 d early
2023
15 d late
2022
4 d early
2021
3 d early
2020
33 d late
2019
24 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close15-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€155k▲ 0.3%
2024 · €154k
2019: €134k
2020: €118k
2021: €136k
2022: €144k
2023: €150k
2024: €154k
2019 → 2025
Total assets
€158k▲ 1.8%
2024 · €155k
2019: €139k
2020: €120k
2021: €149k
2022: €146k
2023: €151k
2024: €155k
2019 → 2025
Net result
€519▼ 88.9%
2024 · €5k
2019: €17k
2020: €-16k
2021: €18k
2022: €8k
2023: €5k
2024: €5k
2019 → 2025
Working capital
€154k▲ 0.6%
2024 · €153k
2019: €122k
2020: €112k
2021: €134k
2022: €144k
2023: €149k
2024: €153k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€136k-€144k▲ 5.9%€150k▲ 3.8%€154k▲ 3.1%€155k▲ 0.3%
Operating result€-8k-€-8k▼ 0.6%€-2k▲ 74.1%€-4k▼ 111%€-5k▼ 9.8%
Net result€18k-€8k▼ 54.3%€5k▼ 32.5%€5k▼ 14.3%€519▼ 88.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2025 against €4k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €158k
Fixed assets
€659▼ 36.6%
Current assets
€157k▲ 2.1%
Equity and liabilities €158k
Equity
€155k▲ 0.3%
Debt
€3k▲ 265%
The debt ratio rises from 0.6% to 2.0%: debt grows faster than equity.
Key figures and ratios
EBITDA
€-4k▼
2024 · €-4k
Cash flow
€899▼
2024 · €5k
Solvency
98.0%▼
2024 · 99.4%
Current ratio
49.02
Quick ratio
48.91
Debt / equity
0.02▲
2024 · 0.01
ROE
0.3%▼
2024 · 3.0%
ROA
0.3%▼
2024 · 3.0%
Interest coverage
-22.82▼
2024 · -22.29
Debt
€3k▲
2024 · €880
Debt ≤ 1 year
€3k▲
2024 · €880
Income taxes
€7k
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€155k€158k▲
Fixed assets21/28€1k€659▼
Tangible fixed assets22/27€1k€659▼
Plant, machinery and equipment23€430€290▼
Furniture and vehicles24€609€369▼
Current assets29/58€154k€157k▲
Stocks and contracts in progress3€2k€339▼
Stocks30/36€2k€339▼
Amounts receivable within one year40/41€137k€148k▲
Trade receivables40€9k€9k▲
Other amounts receivable41€128k€139k▲
Cash at bank and in hand54/58€15k€9k▼
Equity and liabilities
Total equity and liabilities10/49€155k€158k▲
Equity10/15€154k€155k▲
Contributions10/11€50k€50k=
Reserves13€104k€105k▲
Non-distributable reserves130/1€5k€5k=
Reserves not available under the articles1311€5k€5k=
Distributable reserves133€99k€100k▲
Amounts payable17/49€880€3k▲
Amounts payable within one year42/48€880€3k▲
Taxes, remuneration and social security45€880€3k▲
Taxes450/3€880€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€250€380▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€-2k€-2k▼
Operating profit (loss)9901€-4k€-5k▼
Financial income75/76B€9k€12k▲
Recurring financial income75€9k€11k▲
Non-recurring financial income76B-€1k
Financial charges65/66B€174€182▲
Recurring financial charges65€174€182▲
Profit (loss) for the period before taxes9903€5k€7k▲
Income taxes67/77-€7k
Profit (loss) for the period9904€5k€519▼
Profit (loss) for the period to be appropriated9905€5k€519▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€519▼
Transfer to equity691/2€5k€519▼
To other reserves6921€5k€519▼
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
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Equity above €150kEq €154k ▲3.1%
4 profitable years in a row build equity to €154k.
2023
15-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 15 days late
2022
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Liquidity times 10current ratio 111.77
Current ratio from 11.76 to 111.77; short-term debt falls from €12k to €1k.
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
2020
03-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 33 days late
31-03
Financial
Weakest financial yearnet €-16k ▼190%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
31-03
Financial
Liquidity doublescurrent ratio 57.70
Current ratio from 26.54 to 57.70; short-term debt falls from €5k to €2k.
2019
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
24-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
22-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Tongeren-Borgloon · 1 establishment unit since 2008
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.
Koppelkist 43700 Tongeren-BorgloonGround area
272 m²
Building footprint
136 m²
Volume, LiDAR
1,684 m³
Parcel 73083C0969/00A000, Flanders · tallest building 20.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
The Pub
since 20082.170.954.525
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73083C0969/00A000 | Flanders | 272 m² | 1 · 136 m² | 20.7 m · 4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 siteTongeren-Borgloon2.170.954.525
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Of 13,832 companies in sector 56301 we hold annual accounts for 4,808. 3,295 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded21-05-2008
Fiscal year end31-03
Activities, NACEBEL
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 17 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.