Treffi

Active

Private limited companyfounded 20206 yrs activeOoievaarsstraat 43, 8940 Wervik, BelgiumKBO/BCE: BE 0747.677.879

Treffi has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €598k and a net result of €85k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 67% of 74 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 1.0% (low).

Watch Print / PDF

Checked score

Score 2026

84 / 100

Excellent

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2025

Profitability81▼-1

Solvency96▲+22

Growth78=

Track record100

Bankruptcy probability, 12 months

1.0% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €50k at 30 days acceptable

Liquidity tight (current ratio 1.4 against 1.42 in 2025; short-term debt: 26.2% and cash: 33.8% of total assets), and 29.1% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 82

Relative position

BE, all sectors

reference

Sector 82

lower

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2026

Solvency, return and age of the figures

Solvency

70.9%

Return on assets

10.1%

Age of the figures

3 mo

Latest accounts filed on time

The financial year that closed on 30-06-2026 was due by 31-01-2027 and was filed on 17-08-2026, 167 days ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2026

167 d early

2025

194 d early

2024

29 d early

2023

on the day

2022

27 d early

2021

233 d late

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-06-2027 and is due by 31-01-2028. Nothing is late today.

Companies Code · seven months

Position in the running window

20-09-2026 today30-06-2027 close31-01-2028 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2026, micro schema

Equity

€598k▲ 16.5%

2025 · €513k

2021: €-3k 2022: €-6k 2023: €-16k 2024: €-100k 2025: €513k

2021 → 2026

Total assets

€844k▼ 20.0%

2025 · €1.06M

2021: €7k 2022: €5k 2023: €483k 2024: €697k 2025: €1.06M

2021 → 2026

Net result

€85k▼ 24.8%

2025 · €113k

2021: €-4k 2022: €-3k 2023: €-11k 2024: €-83k 2025: €113k

2021 → 2026

Working capital

€90k▼ 56.1%

2025 · €204k

2021: €-10k 2022: €-11k 2023: €76k 2024: €314k 2025: €204k

2021 → 2026

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20222023202420252026Trend

Equity€-6k-€-16k▼ 161%€-100k▼ 512%€513k€598k▲ 16.5%

Operating result€-3k-€-8k▼ 189%€-69k▼ 749%€117k€121k▲ 3.3%

Net result€-3k-€-11k▼ 267%€-83k▼ 690%€113k€85k▼ 24.8%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

After the dip in 2024 the operating result has climbed two years in a row; 2026 is 3% above 2025 and is the highest result in the available series.

Balance-sheet composition

2026 in colour, 2025 as the grey bar beneath

Assets €844k

63.2%

36.8%

Fixed assets €533k▲ 45.4%

Current assets €311k▼ 54.9%

Equity and liabilities €844k

70.9%

29.1%

Equity €598k▲ 16.5%

Debt €246k▼ 54.7%

The debt ratio falls from 51.4% to 29.1%. Equity is higher and debt is lower.

Key figures and ratios

2026 value · change against 2025

EBITDA

€243k▲

2025 · €158k

Cash flow

€206k▲

2025 · €153k

Solvency

70.9%▲

2025 · 48.6%

Current ratio

1.40▼

2025 · 1.42

Quick ratio

1.33▲

2025 · 0.92

Debt / equity

0.41▼

2025 · 1.06

ROE

14.2%▼

2025 · 22.0%

ROA

10.1%▼

2025 · 10.7%

Interest coverage

21.36▼

2025 · 34.93

Debt

€246k▼

2025 · €542k

Debt ≤ 1 year

€221k▼

2025 · €485k

Debt > 1 year

€25k▼

2025 · €58k

Income taxes

€25k

Staff costs

€8k▼

2025 · €27k

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 · 2026 against 2025

Balance sheet Code20252026

Assets

Total assets20/58€1.06M€844k▼

Fixed assets21/28€367k€533k▲

Intangible fixed assets21€307k€461k▲

Tangible fixed assets22/27€60k€69k▲

Plant, machinery and equipment23€15k€22k▲

Furniture and vehicles24€35k€39k▲

Other tangible fixed assets26€9k€9k▼

Financial fixed assets28-€4k

Current assets29/58€689k€311k▼

Stocks and contracts in progress3€242k€16k▼

Stocks30/36€242k€16k▼

Amounts receivable within one year40/41€348k€7k▼

Trade receivables40€347k€0▼

Other amounts receivable41€1k€7k▲

Cash at bank and in hand54/58€91k€285k▲

Deferred charges and accrued income490/1€8k€3k▼

Equity and liabilities

Total equity and liabilities10/49€1.06M€844k▼

Equity10/15€513k€598k▲

Contributions10/11€501k€501k=

Profit (loss) carried forward14€12k€97k▲

Amounts payable17/49€542k€246k▼

Amounts payable after more than one year17€58k€25k▼

Financial debts170/4€58k€25k▼

Other amounts payable178/9€0-

Amounts payable within one year42/48€485k€221k▼

Current portion of amounts payable after more than one year42€49k€33k▼

Trade debts44€5k€28k▲

Suppliers440/4€5k€28k▲

Taxes, remuneration and social security45€9k€29k▲

Taxes450/3€2k€25k▲

Remuneration and social security454/9€7k€3k▼

Other amounts payable47/48€421k€131k▼

Income statement Code20252026

Remuneration, social security and pensions62€27k€8k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€121k▲

Other operating charges640/8€2k€2k▼

Gross operating margin9900€187k€253k▲

Operating profit (loss)9901€117k€121k▲

Financial income75/76B€1€1▲

Recurring financial income75€1€1▲

Financial charges65/66B€5k€11k▲

Recurring financial charges65€5k€11k▲

Profit (loss) for the period before taxes9903€113k€110k▼

Income taxes67/77-€25k

Profit (loss) for the period9904€113k€85k▼

Profit (loss) for the period to be appropriated9905€113k€85k▼

Appropriation of the result

Profit (loss) to be appropriated9906€12k€97k▲

Profit (loss) brought forward from the previous period14P€-101k€12k▲

The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 10Financial 4Filings 6

Next filing, fiscal year 2027, expected by 31-01-2028

2026

17-08

NBB filing Annual accounts filed

fiscal year 2026 · micro schema

2025

21-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

30-06

Financial Back to profitnet €113k

Net result €113k after 4 loss-making years.

30-06

Financial Equity above €500kEq €513k

Equity rises from €-100k to €513k.

02-01

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

30-06

Financial Weakest financial yearnet €-83k

Net result drops to €-83k, the lowest in the series; recovery starts the following year.

31-01

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

30-06

Financial Liquidity times 66current ratio 1.51

Current ratio from 0.02 to 1.51.

04-01

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

21-09

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 233 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

5 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, Wervik · 3 establishment units since 2020

establishment All 3 establishment units on the map

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.

Ooievaarsstraat 438940 Wervik

Ground area

1,283 m²

Building footprint

726 m²

Volume, LiDAR

9,940 m³

3 parcels, Flanders · tallest building 26.2 m, ±7 floors. Linked by address, not a title deed.

3 establishment units

Treffi

Ooievaarsstraat 43, 8940 WervikRetail sale of other second-hand goods, excluding clothing

since 20202.303.985.471

La Cave

Strandlaan(Kok) 381, 8670 KoksijdeLimited-service restaurants, excluding mobile food services

since 20262.383.534.973

Bar patat

Strandlaan(Kok) 363, 8670 KoksijdeLimited-service restaurants, excluding mobile food services

since 20262.387.598.481

3 parcels

Flanders 3 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
38343A0001/00D000	Flanders	600 m²	1 · 268 m²	26.2 m · 7 fl.
38343A0034/00D000	Flanders	547 m²	1 · 339 m²	21.3 m · 6 fl.
33029C0371/00E000	Flanders	136 m²	1 · 118 m²	10.9 m · 1 fl.