TIME TO LUNCH
ActiveThe computed 12-month bankruptcy probability of TIME TO LUNCH is 1.7% (moderate). The 2025 annual accounts show equity of €12k and a net result of €14k. Equity is growing by ~24.2% per year across the filed fiscal years. Its solvency ranks better than 33% of 13061 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
68
/ 100
Healthy▲ +47 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency20▼-23
Growth78=
Stability100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.07 against 0.95 in 2024), and 89.5% 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 →
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
10.5%
Return on assets
12%
Age of the figures
8 mo
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
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
50 d early
2023
23 d early
2022
23 d late
2021
22 d early
2020
25 d late
2019
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€12k
2024 · €-2k
2018: €-77k
2019: €-89k
2020: €-121k
2021: €-105k
2022: €-65k
2023: €-37k
2024: €-2k
2018 → 2025
Total assets
€117k▼ 7.1%
2024 · €125k
2018: €155k
2019: €96k
2020: €13k
2021: €59k
2022: €99k
2023: €107k
2024: €125k
2018 → 2025
Net result
€14k▼ 60.3%
2024 · €35k
2018: €-21k
2019: €-12k
2020: €-32k
2021: €16k
2022: €41k
2023: €28k
2024: €35k
2018 → 2025
Working capital
€8k
2024 · €-7k
2018: €-75k
2019: €-60k
2020: €-87k
2021: €-70k
2022: €-66k
2023: €-42k
2024: €-7k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-105k-€-65k▲ 38.5%€-37k▲ 42.9%€-2k▲ 95.3%€12k
Operating result€21k-€46k▲ 124%€37k▼ 20.2%€40k▲ 7.5%€23k▼ 42.4%
Net result€16k-€41k▲ 155%€28k▼ 31.7%€35k▲ 27.0%€14k▼ 60.3%
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 42% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €117k
Fixed assets
€5k▼ 3.5%
Current assets
€112k▼ 7.2%
Equity and liabilities €117k
Equity
€12k
Debt
€104k
Debt finances 89.5% of the balance-sheet total.
Key figures and ratios
EBITDA
€25k▼
2024 · €41k
Cash flow
€16k▼
2024 · €37k
Solvency
10.5%▲
2024 · -1.4%
Current ratio
1.07▲
2024 · 0.95
Quick ratio
1.07▲
2024 · 0.95
Debt / equity
8.49▲
2024 · -72.62
ROE
114.3%
ROA
12.0%▼
2024 · 28.2%
Interest coverage
11.33▼
2024 · 12.10
Debt
€104k▼
2024 · €127k
Debt ≤ 1 year
€104k▼
2024 · €127k
Income taxes
€7k▲
2024 · €1k
Staff costs
€207k▼
2024 · €211k
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€125k€117k▼
Fixed assets21/28€5k€5k▼
Tangible fixed assets22/27€5k€5k▼
Plant, machinery and equipment23€4k€4k▼
Furniture and vehicles24€532€932▲
Current assets29/58€120k€112k▼
Amounts receivable within one year40/41€85k€23k▼
Trade receivables40€85k€23k▼
Other amounts receivable41€0-
Cash at bank and in hand54/58€36k€89k▲
Equity and liabilities
Total equity and liabilities10/49€125k€117k▼
Equity10/15€-2k€12k▲
Contributions10/11€12k€12k=
Profit (loss) carried forward14€-14k€-125▲
Amounts payable17/49€127k€104k▼
Amounts payable within one year42/48€127k€104k▼
Trade debts44€51k€28k▼
Suppliers440/4€51k€28k▼
Taxes, remuneration and social security45€34k€24k▼
Taxes450/3€11k€14k▲
Remuneration and social security454/9€24k€10k▼
Other amounts payable47/48€41k€52k▲
Income statement
Code20242025
Remuneration, social security and pensions62€211k€207k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€1k€920▼
Gross operating margin9900€253k€232k▼
Operating profit (loss)9901€40k€23k▼
Financial income75/76B€220€204▼
Recurring financial income75€220€204▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€36k€21k▼
Income taxes67/77€1k€7k▲
Profit (loss) for the period9904€35k€14k▼
Profit (loss) for the period to be appropriated9905€35k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-14k€-125▲
Profit (loss) brought forward from the previous period14P€-49k€-14k▲
The notes to these accounts (14 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
31-12
Financial
Highest result since 2018net €41k ▲155%
Operating result €46k, net result €41k, both a record.
09-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €16k
Net result €16k after 3 loss-making years.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Weakest financial yearnet €-32k
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 13 days late
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 17 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, Mont-Saint-Guibert · 1 establishment unit since 2015
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.
Rue du Fond Cattelain 21435 Mont-Saint-Guibert1 establishment unit
TIME TO LUNCH
since 20152.240.282.009
Recognitions · licences · registrations
Food safety, FASFC
1 siteMont-Saint-Guibert2.240.282.009
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Of 20,231 companies in sector 56111 we hold annual accounts for 11,313. 7,541 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-03-2015
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filings
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.