VESUVIO D'ORO
ActiveThe computed 12-month bankruptcy probability of VESUVIO D'ORO is 3.6% (moderate). The 2025 annual accounts show equity of €11k and a net result of €20k. Equity is shrinking by ~25.1% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 30% of 13240 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+82
Solvency31▲+13
Growth58▲+26
Track record94
Bankruptcy probability, 12 months
3.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.98 against 0.76 in 2024; short-term debt: 54.7% and cash: 14.1% of total assets), and 94.2% 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 →
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
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
5.8%
Return on assets
10.4%
Age of the figures
9 mo
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 22-04-2026, 100 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
100 d early
2024
57 d early
2023
44 d early
2022
319 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€11k
2024 · €-9k
2022: €17k
2023: €21k
2024: €-9k
2022 → 2025
Total assets
€189k▲ 54.9%
2024 · €122k
2022: €131k
2023: €152k
2024: €122k
2022 → 2025
Net result
€20k
2024 · €-30k
2022: €-7k
2023: €4k
2024: €-30k
2022 → 2025
Working capital
€-2k▲ 85.4%
2024 · €-12k
2022: €9k
2023: €8k
2024: €-12k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€17k-€21k▲ 23.6%€-9k€11k
Operating result€-4k-€7k€-26k€27k
Net result€-7k-€4k€-30k€20k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €27k after a loss of €26k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €189k
Fixed assets
€87k▲ 4.4%
Current assets
€102k▲ 170%
Equity and liabilities €189k
Equity
€11k
Debt
€178k
Debt finances 94.2% of the balance-sheet total.
Key figures and ratios
EBITDA
€44k▲
2024 · €-12k
Cash flow
€37k▲
2024 · €-15k
Solvency
5.8%▲
2024 · -7.2%
Current ratio
0.98▲
2024 · 0.76
Quick ratio
0.66▲
2024 · 0.15
Debt / equity
16.22▲
2024 · -14.95
ROE
179.7%
ROA
10.4%▲
2024 · -24.4%
Interest coverage
6.50▲
2024 · -3.36
Debt
€178k▲
2024 · €131k
Debt ≤ 1 year
€104k▲
2024 · €50k
Debt > 1 year
€75k▼
2024 · €81k
Income taxes
€168▲
2024 · €139
Staff costs
€109k▲
2024 · €75k
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€122k€189k▲
Formation expenses20€1k€701▼
Fixed assets21/28€83k€87k▲
Tangible fixed assets22/27€80k€83k▲
Plant, machinery and equipment23€11k€27k▲
Furniture and vehicles24€420€210▼
Other tangible fixed assets26€68k€55k▼
Financial fixed assets28€4k€4k=
Current assets29/58€38k€102k▲
Stocks and contracts in progress3€30k€33k▲
Stocks30/36€30k€33k▲
Amounts receivable within one year40/41€2k€40k▲
Trade receivables40-€38k
Other amounts receivable41€2k€2k▲
Cash at bank and in hand54/58€6k€27k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€122k€189k▲
Equity10/15€-9k€11k▲
Contributions10/11€24k€24k=
Profit (loss) carried forward14€-33k€-13k▲
Amounts payable17/49€131k€178k▲
Amounts payable after more than one year17€81k€75k▼
Financial debts170/4€81k€75k▼
Amounts payable within one year42/48€50k€104k▲
Current portion of amounts payable after more than one year42€22k€26k▲
Trade debts44€19k€40k▲
Suppliers440/4€19k€40k▲
Taxes, remuneration and social security45€8k€19k▲
Taxes450/3€2k€9k▲
Remuneration and social security454/9€6k€10k▲
Other amounts payable47/48€1k€19k▲
Income statement
Code20242025
Remuneration, social security and pensions62€75k€109k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€17k▲
Other operating charges640/8€923€785▼
Gross operating margin9900€65k€153k▲
Operating profit (loss)9901€-26k€27k▲
Financial income75/76B€1€112▲
Recurring financial income75€1€112▲
Financial charges65/66B€3k€7k▲
Recurring financial charges65€3k€7k▲
Profit (loss) for the period before taxes9903€-30k€20k▲
Income taxes67/77€139€168▲
Profit (loss) for the period9904€-30k€20k▲
Profit (loss) for the period to be appropriated9905€-30k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-33k€-13k▲
Profit (loss) brought forward from the previous period14P€-3k€-33k▼
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
2026
22-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-30k ▼842%
Net result drops to €-30k, the lowest in the series; recovery starts the following year.
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 319 days late
2023
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
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, Lanaken · 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.
Molenweideplein 343620 LanakenGround area
317 m²
Building footprint
215 m²
Volume, LiDAR
1,408 m³
Parcel 73042D0694/02F002, Flanders · tallest building 13.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Vesuvio d'Oro BV
since 20212.320.409.650
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73042D0694/02F002 | Flanders | 317 m² | 1 · 215 m² | 13.2 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLanaken2.320.409.650
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Of 20,494 companies in sector 56111 we hold annual accounts for 11,455. 7,345 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-08-2021
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.