Toast & Tarte

Active

Private limited companyfounded 20233 yrs activeJourdanstraat 129, 1060 Sint-Gillis (bij-Brussel), BelgiumKBO/BCE: BE 0803.071.017

Summary

The computed 12-month bankruptcy probability of Toast & Tarte is 3.8% (moderate). The 2025 annual accounts show equity of €9,977 and a net result of €11,866. Its solvency ranks better than 35% of 16142 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

Toast & TarteActiveChecked score 49/100

Risk analysis Report Compare

Activity

Full-service restaurants

NACE 56111Full-service restaurants NACE 56101

1 site

Size

€107,019turnover 2025

Equity: €9,977
Profit: €11,866

Financial health

49 Fair Checked score 2025

Bankruptcy chance 12 m: 3.8%

Structure

Accounts 7 d early0 of 3 deeds read

Why 49- Founded in 2023- Sector Food and beverage service activities (NACE 56)- Size: turnover €107,019, total assets €78,642+ Liquidity: current ratio 0.39, cash €15,892Show the evidence

Checked score

Score 2025

49 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 52% of its sector peers (NACE 56, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Average

Solvency 38

equity 12.7% of total assets

Liquidity 45

short-term debt 59.1% · cash 20.2%

Profitability 92

return on assets 15.1%

Bankruptcy probability, 12 months

3.8% Moderate

0%0.5%1.5%4%10%≥ 25%

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.8% (23,692 companies)

Last 24 months 11-2024: 4.7% 12-2024: 5.0%▲ +7.0% vs 11-2024 01-2025: 5.0%● 0.0% vs 12-2024 02-2025: 5.5%▲ +8.8% vs 01-2025 03-2025: 5.3%▼ -3.1% vs 02-2025 04-2025: 5.3%▼ -1.0% vs 03-2025 05-2025: 5.6%▲ +7.0% vs 04-2025 06-2025: 5.8%▲ +2.2% vs 05-2025 07-2025: 5.8%▲ +0.3% vs 06-2025 08-2025: 5.8%● 0.0% vs 07-2025 09-2025: 5.8%● 0.0% vs 08-2025 10-2025: 5.8%● 0.0% vs 09-2025 11-2025: 5.8%● 0.0% vs 10-2025 12-2025: 5.8%● 0.0% vs 11-2025 01-2026: 9.0%▲ +56.6% vs 12-2025 02-2026: 9.1%▲ +0.5% vs 01-2026highest value 03-2026: 9.1%● 0.0% vs 02-2026highest value 04-2026: 9.1%● 0.0% vs 03-2026highest value 05-2026: 9.1%● 0.0% vs 04-2026highest value 06-2026: 9.1%● 0.0% vs 05-2026highest value 07-2026: 9.1%● 0.0% vs 06-2026highest value 08-2026: 3.8%▼ -57.9% vs 07-2026lowest value 09-2026: 3.9%▲ +0.8% vs 08-2026 10-2026: 3.8%▼ -0.5% vs 09-2026

Founded in 2023 raises the probability for this profile
Sector Food and beverage service activities (NACE 56) raises the probability
Size: turnover €107,019, total assets €78,642 raises the probability for this profile
Liquidity: current ratio 0.39, cash €15,892 lowers the probability

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 56, micro). Better than this share of them on solvency 35%, liquidity 40%, profitability 80%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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