Withe & Co
ActiveThe computed 12-month bankruptcy probability of Withe & Co is 8.0% (elevated). The 2025 annual accounts show equity of €19k and a net result of €-1k. Equity is shrinking by ~5.1% per year across the filed fiscal years. Its solvency ranks better than 51% of 31487 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
70
/ 100
Healthy▼ -24 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-2
Solvency98▲+1
Growth32=
Stability94
Bankruptcy probability, 12 months
8.0%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.18 against 2.06 in 2024), and 42.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 2025Solvency, return and age of the figures
Solvency
57.1%
Return on assets
-3.1%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-12-2025, 36 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
36 d early
2024
42 d early
2023
33 d early
2022
36 d early
← 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 close12-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k▼ 5.1%
2024 · €20k
2022: €22k
2023: €20k
2024: €20k
2022 → 2025
Total assets
€34k▼ 9.9%
2024 · €37k
2022: €56k
2023: €33k
2024: €37k
2022 → 2025
Net result
€-1k
2024 · €65
2022: €19k
2023: €-2k
2024: €65
2022 → 2025
Working capital
€17k▼ 6.3%
2024 · €18k
2022: €21k
2023: €16k
2024: €18k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€22k-€20k▼ 9.5%€20k▲ 0.3%€19k▼ 5.1%
Operating result€35k-€-309€2k€79▼ 95.0%
Net result€19k-€-2k€65€-1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 95% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €34k
Fixed assets
€2k▲ 4.4%
Current assets
€31k▼ 10.8%
Equity and liabilities €34k
Equity
€19k▼ 5.1%
Debt
€14k▼ 15.5%
The debt ratio falls from 45.8% to 42.9%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€2k▼
2024 · €3k
Cash flow
€478▼
2024 · €2k
Solvency
57.1%▲
2024 · 54.2%
Current ratio
2.18▲
2024 · 2.06
Quick ratio
2.18▲
2024 · 2.06
Debt / equity
0.75▼
2024 · 0.84
ROE
-5.4%▼
2024 · 0.3%
ROA
-3.1%▼
2024 · 0.2%
Interest coverage
7.34▼
2024 · 11.76
Debt
€14k▼
2024 · €17k
Debt ≤ 1 year
€14k▼
2024 · €17k
Income taxes
€900
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€37k€34k▼
Fixed assets21/28€2k€2k▲
Tangible fixed assets22/27€2k€2k▲
Furniture and vehicles24€1k€2k▲
Other tangible fixed assets26€939€634▼
Current assets29/58€35k€31k▼
Amounts receivable within one year40/41€24k€882▼
Trade receivables40€24k€882▼
Cash at bank and in hand54/58€10k€30k▲
Deferred charges and accrued income490/1€927€741▼
Equity and liabilities
Total equity and liabilities10/49€37k€34k▼
Equity10/15€20k€19k▼
Contributions10/11€3k€3k=
Reserves13€18k€18k=
Distributable reserves133€18k€18k=
Profit (loss) carried forward14€-770€-2k▼
Amounts payable17/49€17k€14k▼
Amounts payable within one year42/48€17k€14k▼
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€8k€4k▼
Taxes450/3€8k€4k▼
Other amounts payable47/48€7k€8k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€869€785▼
Gross operating margin9900€4k€2k▼
Operating profit (loss)9901€2k€79▼
Financial income75/76B€33-
Recurring financial income75€33-
Financial charges65/66B€2k€217▼
Recurring financial charges65€288€217▼
Non-recurring financial charges66B€1k-
Profit (loss) for the period before taxes9903€65€-138▼
Income taxes67/77-€900
Profit (loss) for the period9904€65€-1k▼
Profit (loss) for the period to be appropriated9905€65€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-770€-2k▼
Profit (loss) brought forward from the previous period14P€-835€-770▲
The notes to these accounts (5 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
2025
26-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
20-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Back to profitnet €65
Net result €65 after one loss-making year.
2023
29-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Weakest financial yearnet €-2k ▼111%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
2022
26-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro 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, Sint-Jans-Molenbeek · 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.
Kolomstraat 1a1080 Sint-Jans-MolenbeekGround area
5.4 ha
Building footprint
1.3 ha
Volume, LiDAR
110,241 m³
2 parcels, Brussels · tallest building 19.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Le Pain Quotidien
since 20212.317.007.326
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21674C0095/00M007 | Brussels | 5.2 ha | 1 · 1.2 ha | 17.1 m · 3 fl. |
| 21522B0623/00L000 | Brussels | 2,442 m² | 1 · 406 m² | 19.8 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.
Similar companies · same sector, comparable size
NIBAL
BE 0761.536.508
Nieuwpoort · Eq €19k
QS BUSINESS
BE 0788.238.925
Sint-Genesius-Rode · Eq €19k
CAFFE.IT
BE 0536.667.544
Brussel · Eq €19k
JO N’KO
BE 0699.703.362
Ottignies-Louvain-la-Neuve · Eq €19k
ADIP-GURUNG
BE 0632.627.862
Antwerpen · Eq €19k
Of 21,636 companies in sector 56112 we hold annual accounts for 9,660. 7,915 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-05-2021
Fiscal year end30-06
Activities, NACEBEL
56112Limited-service restaurants, excluding mobile food services
70200Business and other management consultancy
70220Business consulting
46180Agents specialised in the wholesale of other particular products
46190Agents in non-specialised wholesale trade
86909Human health activities
86995Nutrition and dietetics services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.