TRAITEUR THOMAS LE CLEF
ActiveThe computed 12-month bankruptcy probability of TRAITEUR THOMAS LE CLEF is 4.0% (elevated). The 2024 annual accounts show equity of €68k and a net result of €3k. Equity is growing by ~12% per year across the filed fiscal years. Its solvency ranks better than 30% of 2935 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
43
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability50▼-17
Solvency39▲+1
Growth52=
Track record94
Bankruptcy probability, 12 months
4.0%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days only on tighter terms
Liquidity ample (current ratio 1.96 against 0.57 in 2023; short-term debt: 10% and cash: 9.8% of total assets), but 86.1% 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.
+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 →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
13.9%
Return on assets
0.6%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-07-2025, 29 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
29 d early
2023
21 d early
2022
32 d early
2021
20 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€68k▲ 4.3%
2023 · €65k
2021: €29k
2022: €71k
2023: €65k
2021 → 2024
Total assets
€486k▼ 1.7%
2023 · €494k
2021: €59k
2022: €131k
2023: €494k
2021 → 2024
Net result
€3k
2023 · €-6k
2021: €26k
2022: €42k
2023: €-6k
2021 → 2024
Working capital
€46k
2023 · €-32k
2021: €6k
2022: €16k
2023: €-32k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€29k-€71k▲ 148%€65k▼ 8.7%€68k▲ 4.3%
Operating result€32k-€52k▲ 63.0%€8k▼ 83.9%€21k▲ 154%
Net result€26k-€42k▲ 62.7%€-6k€3k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 154% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €486k
Fixed assets
€391k▼ 13.6%
Current assets
€95k▲ 129%
Equity and liabilities €486k
Equity
€68k▲ 4.3%
Debt
€418k▼ 2.6%
The debt ratio falls from 86.9% to 86.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€63k▼
2023 · €86k
Cash flow
€44k▼
2023 · €71k
Solvency
13.9%▲
2023 · 13.1%
Current ratio
1.96▲
2023 · 0.57
Quick ratio
1.71▲
2023 · 0.57
Debt / equity
6.17▼
2023 · 6.61
ROE
4.2%▲
2023 · -9.5%
ROA
0.6%▲
2023 · -1.2%
Interest coverage
3.67▼
2023 · 5.94
Debt
€418k▼
2023 · €429k
Debt ≤ 1 year
€48k▼
2023 · €73k
Debt > 1 year
€370k▲
2023 · €356k
Income taxes
€1k▲
2023 · €98
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€494k€486k▼
Fixed assets21/28€453k€391k▼
Intangible fixed assets21€210-
Tangible fixed assets22/27€453k€391k▼
Land and buildings22€274k€259k▼
Furniture and vehicles24€51k€44k▼
Other tangible fixed assets26€128k€88k▼
Financial fixed assets28€175€175=
Current assets29/58€41k€95k▲
Stocks and contracts in progress3-€12k
Stocks30/36-€12k
Amounts receivable within one year40/41€10k€31k▲
Other amounts receivable41€10k€31k▲
Cash at bank and in hand54/58€29k€47k▲
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€494k€486k▼
Equity10/15€65k€68k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€62k€65k▲
Amounts payable17/49€429k€418k▼
Amounts payable after more than one year17€356k€370k▲
Financial debts170/4€356k€370k▲
Amounts payable within one year42/48€73k€48k▼
Current portion of amounts payable after more than one year42€16k€23k▲
Trade debts44€37k€9k▼
Suppliers440/4€37k€9k▼
Taxes, remuneration and social security45€123€7k▲
Taxes450/3€123€7k▲
Other amounts payable47/48€20k€9k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€78k€42k▼
Other operating charges640/8€1k€4k▲
Gross operating margin9900€87k€66k▼
Operating profit (loss)9901€8k€21k▲
Financial income75/76B€2€7▲
Recurring financial income75€2€7▲
Financial charges65/66B€14k€17k▲
Recurring financial charges65€14k€17k▲
Profit (loss) for the period before taxes9903€-6k€4k▲
Income taxes67/77€98€1k▲
Profit (loss) for the period9904€-6k€3k▲
Profit (loss) for the period to be appropriated9905€-6k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€62k€65k▲
Profit (loss) brought forward from the previous period14P€69k€62k▼
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
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.96
Current ratio from 0.57 to 1.96; short-term debt falls from €73k to €48k.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-6k ▼114%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2021net €42k ▲62.7%
Operating result €52k, net result €42k, both a record.
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Wezembeek-Oppem · 1 establishment unit since 2021
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.
Bosweg 921970 Wezembeek-OppemGround area
1,028 m²
Building footprint
409 m²
Volume, LiDAR
2,243 m³
2 parcels, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TRAITEUR THOMAS LE CLEF
since 20212.316.132.742
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22302D0316/00N004 | Flanders | 804 m² | 1 · 189 m² | 9.9 m · 2 fl. |
| 22002A0314/00B022 | Flanders | 223 m² | 1 · 220 m² | 10.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 siteKraainem2.316.132.742
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Of 7,504 companies in sector 56210 we hold annual accounts for 2,444. 2,049 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-03-2021
Fiscal year end31-12
Activities, NACEBEL
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.