VOLCKE-HORECA
ActiveVOLCKE-HORECA has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €150k and a net result of €48k. Equity is growing by ~24% per year across the filed fiscal years. Its solvency ranks better than 69% of 13270 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▼-5
Solvency78▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 1.96 against 1.87 in 2024; short-term debt: 43.7% and cash: 78.5% of total assets), and 47% 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 →
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
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
53%
Return on assets
16.9%
Age of the figures
15 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 01-02-2026, 1 day late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
1 d late
2024
on the day
2023
1 d early
2022
1 d early
2021
53 d late
2020
3 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€150k▲ 24.0%
2024 · €121k
2019: €76k
2020: €40k
2021: €48k
2022: €53k
2023: €75k
2024: €121k
2019 → 2025
Total assets
€283k▲ 31.9%
2024 · €214k
2019: €379k
2020: €158k
2021: €152k
2022: €141k
2023: €156k
2024: €214k
2019 → 2025
Net result
€48k▲ 4.9%
2024 · €46k
2019: €22k
2020: €-36k
2021: €9k
2022: €5k
2023: €37k
2024: €46k
2019 → 2025
Working capital
€119k▲ 45.6%
2024 · €82k
2019: €-46k
2020: €29k
2021: €39k
2022: €39k
2023: €31k
2024: €82k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€48k-€53k▲ 10.5%€75k▲ 41.9%€121k▲ 60.6%€150k▲ 24.0%
Operating result€10k-€8k▼ 24.6%€43k▲ 474%€69k▲ 59.5%€76k▲ 10.0%
Net result€9k-€5k▼ 44.3%€37k▲ 626%€46k▲ 24.5%€48k▲ 4.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 10% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €283k
Fixed assets
€40k▲ 2.6%
Current assets
€243k▲ 38.4%
Equity and liabilities €283k
Equity
€150k▲ 24.0%
Debt
€133k▲ 42.1%
The debt ratio rises from 43.7% to 47.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€84k▲
2024 · €77k
Cash flow
€56k▲
2024 · €54k
Solvency
53.0%▼
2024 · 56.3%
Current ratio
1.96▲
2024 · 1.87
Quick ratio
1.82▲
2024 · 1.72
Debt / equity
0.89▲
2024 · 0.77
ROE
31.9%▼
2024 · 37.7%
ROA
16.9%▼
2024 · 21.3%
Interest coverage
14.93▼
2024 · 17.60
Debt
€133k▲
2024 · €94k
Debt ≤ 1 year
€124k▲
2024 · €94k
Debt > 1 year
€9k
Income taxes
€24k▲
2024 · €19k
Staff costs
€289k▲
2024 · €251k
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€214k€283k▲
Fixed assets21/28€39k€40k▲
Tangible fixed assets22/27€15k€21k▲
Land and buildings22€421€0▼
Plant, machinery and equipment23€11k€11k▼
Furniture and vehicles24€3k€10k▲
Financial fixed assets28€24k€19k▼
Current assets29/58€175k€243k▲
Stocks and contracts in progress3€15k€18k▲
Stocks30/36€15k€18k▲
Amounts receivable within one year40/41€13k€3k▼
Trade receivables40-€51
Other amounts receivable41€13k€3k▼
Cash at bank and in hand54/58€147k€222k▲
Deferred charges and accrued income490/1€755€0▼
Equity and liabilities
Total equity and liabilities10/49€214k€283k▲
Equity10/15€121k€150k▲
Contributions10/11€6k€6k=
Reserves13€115k€143k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€12k€12k=
Distributable reserves133€101k€130k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€94k€133k▲
Amounts payable after more than one year17-€9k
Financial debts170/4-€9k
Amounts payable within one year42/48€94k€124k▲
Current portion of amounts payable after more than one year42€9k€7k▼
Trade debts44€50k€23k▼
Suppliers440/4€50k€23k▼
Advances received on contracts in progress46-€17k
Taxes, remuneration and social security45€28k€51k▲
Taxes450/3€6k€27k▲
Remuneration and social security454/9€23k€24k▲
Other amounts payable47/48€6k€25k▲
Income statement
Code20242025
Remuneration, social security and pensions62€251k€289k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€8k▼
Other operating charges640/8€1k€3k▲
Gross operating margin9900€330k€375k▲
Operating profit (loss)9901€69k€76k▲
Financial income75/76B€511€2k▲
Recurring financial income75€511€2k▲
Financial charges65/66B€4k€6k▲
Recurring financial charges65€4k€6k▲
Profit (loss) for the period before taxes9903€65k€72k▲
Income taxes67/77€19k€24k▲
Profit (loss) for the period9904€46k€48k▲
Profit (loss) for the period to be appropriated9905€46k€48k▲
Appropriation of the result
Profit (loss) to be appropriated9906€46k€48k▲
Transfer from equity791/2€0€19k▲
Transfer to equity691/2€46k€48k▲
To other reserves6921€46k€48k▲
Profit to be distributed694/7€0€19k▲
Return on contributions (dividend)694€0€19k▲
The notes to these accounts (9 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
01-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 1 day late
2025
30-06
Financial
Highest result since 2019net €48k ▲4.9%
Operating result €76k, net result €48k, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Equity above €100kEq €121k ▲60.6%
4 profitable years in a row build equity to €121k.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 53 days late
2021
30-06
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Weakest financial yearnet €-36k ▼265%
Net result drops to €-36k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity doublescurrent ratio 1.45
Current ratio from 0.69 to 1.45; short-term debt falls from €150k to €65k.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Wervik · 1 establishment unit since 2017
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 338940 WervikGround area
2,411 m²
Building footprint
771 m²
Volume, LiDAR
5,219 m³
Parcel 33029C0367/00D000, Flanders · tallest building 16.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ooievaarsstraat 33, 8940 Wervik
since 20172.267.650.756
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33029C0367/00D000 | Flanders | 2,411 m² | 1 · 771 m² | 16.0 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 siteWervik2.267.650.756
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LA FABRIQUE
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MANEL
BE 0757.604.246
Tournai · Eq €150k
Per Sempre
BE 0712.874.774
Haacht · Eq €150k
Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 3,366 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-06-2012
Fiscal year end30-06
Activities, NACEBEL
56301Cafés and bars
56101Full-service restaurants
56111Full-service restaurants
56210Event catering
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.