Zilverben
ActiveThe computed 12-month bankruptcy probability of Zilverben is 3.0% (moderate). The 2025 annual accounts show equity of €81k and a net result of €7k. Equity is growing by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 35% of 13091 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65▲+2
Solvency37▼-1
Growth45▼-6
Track record100
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity short (current ratio 0.26 against 0.49 in 2024; short-term debt: 36.1% and cash: 5.9% of total assets), and 87.6% 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
12.4%
Return on assets
1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
26 d late
2024
18 d late
2023
5 d late
2022
17 d late
2021
31 d late
2020
19 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€859k▼ 5.8%
2024 · €913k
2023: €871k
2024: €913k
2023 → 2025
EBIT margin
1.9%▲ 0.6pp
2024 · 1.3%
2023: 5.9%
2024: 1.3%
2023 → 2025
Net result
€7k▲ 143%
2024 · €3k
2020: €47k
2021: €1k
2022: €-15k
2023: €38k
2024: €3k
2020 → 2025
Working capital
€-175k▼ 135%
2024 · €-74k
2020: €-474k
2021: €-141k
2022: €-198k
2023: €-65k
2024: €-74k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€871k€913k▲ 4.8%€859k▼ 5.8%
Equity€49k-€34k▼ 30.5%€72k▲ 111%€75k▲ 3.7%€81k▲ 8.7%
Operating result€10k-€-7k€52k€12k▼ 77.2%€16k▲ 40.4%
Net result€1k-€-15k€38k€3k▼ 92.9%€7k▲ 143%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 40% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €656k
Fixed assets
€594k▲ 13.3%
Current assets
€62k▼ 14.7%
Equity and liabilities €656k
Equity
€81k▲ 8.7%
Debt
€575k▲ 10.0%
The debt ratio rises from 87.5% to 87.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€74k▲
2024 · €68k
Cash flow
€64k▲
2024 · €59k
Solvency
12.4%▼
2024 · 12.5%
Current ratio
0.26▼
2024 · 0.49
Quick ratio
0.23▼
2024 · 0.44
Debt / equity
7.07▲
2024 · 6.99
ROE
8.0%▲
2024 · 3.6%
ROA
1.0%▲
2024 · 0.4%
Interest coverage
8.64▼
2024 · 9.55
Debt
€575k▲
2024 · €523k
Debt ≤ 1 year
€237k▲
2024 · €147k
Debt > 1 year
€338k▼
2024 · €376k
Income taxes
€2k▼
2024 · €2k
Staff costs
€307k▲
2024 · €285k
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€597k€656k▲
Fixed assets21/28€525k€594k▲
Intangible fixed assets21€77k€60k▼
Tangible fixed assets22/27€447k€535k▲
Land and buildings22€351k€329k▼
Plant, machinery and equipment23€13k€10k▼
Furniture and vehicles24€11k€23k▲
Other tangible fixed assets26€72k€172k▲
Current assets29/58€73k€62k▼
Stocks and contracts in progress3€8k€9k▲
Stocks30/36€8k€9k▲
Amounts receivable within one year40/41€18k€12k▼
Trade receivables40€12k€10k▼
Other amounts receivable41€7k€2k▼
Cash at bank and in hand54/58€44k€39k▼
Deferred charges and accrued income490/1€3k€3k=
Equity and liabilities
Total equity and liabilities10/49€597k€656k▲
Equity10/15€75k€81k▲
Contributions10/11€1k€1k=
Reserves13€48k€48k=
Distributable reserves133€48k€48k=
Profit (loss) carried forward14€26k€32k▲
Amounts payable17/49€523k€575k▲
Amounts payable after more than one year17€376k€338k▼
Financial debts170/4€376k€338k▼
Amounts payable within one year42/48€147k€237k▲
Current portion of amounts payable after more than one year42€52k€50k▼
Trade debts44€24k€138k▲
Suppliers440/4€24k€138k▲
Taxes, remuneration and social security45€41k€24k▼
Taxes450/3€21k€2k▼
Remuneration and social security454/9€20k€22k▲
Other amounts payable47/48€30k€25k▼
Income statement
Code20242025
Turnover70€913k€859k▼
Non-recurring operating income76A€10k€8k▼
Goods, raw materials, services and sundry goods60/61€573k€502k▼
Remuneration, social security and pensions62€285k€307k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€56k€58k▲
Other operating charges640/8€3k€3k▲
Non-recurring operating charges66A-€3k
Gross operating margin9900€356k€387k▲
Operating profit (loss)9901€12k€16k▲
Financial income75/76B€93€269▲
Recurring financial income75€93€269▲
Financial charges65/66B€7k€9k▲
Recurring financial charges65€7k€9k▲
Profit (loss) for the period before taxes9903€5k€8k▲
Income taxes67/77€2k€2k▼
Profit (loss) for the period9904€3k€7k▲
Profit (loss) for the period to be appropriated9905€3k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€26k€32k▲
Profit (loss) brought forward from the previous period14P€23k€26k▲
The notes to these accounts (15 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 5 days late
2023
31-12
Financial
Back to profitnet €38k
Net result €38k after one loss-making year.
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
31-12
Financial
Weakest financial yearnet €-15k ▼1500%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
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, Wuustwezel · 1 establishment unit since 2019
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.
Kerkhofstraat 232990 WuustwezelGround area
3,024 m²
Building footprint
290 m²
Volume, LiDAR
1,580 m³
2 parcels, Flanders · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Zilverden
since 20192.290.563.443
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11022F0001/00P109 | Flanders | 2,090 m² | 1 · 160 m² | 5.5 m · 1 fl. |
| 11682G0460/00P028 | Flanders | 935 m² | 1 · 130 m² | 11.0 m · 3 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 siteKalmthout2.290.563.443
Dual-learning approval
7 live approvalsHulpkelner (vwo)
Hulpkelner duaal (so)
Keukenmedewerker (vwo)
Keukenmedewerker duaal (so)
Kok (vwo)
Kok duaal (so)
Show 1 more
Restaurant en keuken duaal (so)
Similar companies · same sector, comparable size
PAMPAS BRUSSEL JOURDAN
BE 0889.143.867
Etterbeek · Eq €81k
Hong Kong Keuken
BE 0705.936.997
Oostende · Eq €81k
WENCHEN
BE 1018.574.531
Liège · Eq €81k
High Square
BE 0786.358.709
Kortenaken · Eq €81k
HET LOZENHOF
BE 0463.141.346
Rijkevorsel · Eq €81k
Of 20,506 companies in sector 56111 we hold annual accounts for 11,453. 9,744 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-06-2019
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.