Aux Beaux Rivages
ActiveThe annual accounts of Aux Beaux Rivages for fiscal year 2025 show a net loss of 69% of the equity at the start of that year. The 2025 annual accounts show equity of €428k and a net result of €-60k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 69% of 1295 sector peers (fiscal year 2025). The company has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▼-1
Solvency70▲+33
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.68 against 0.8 in 2024; short-term debt: 42.2% and cash: 0.6% of total assets), and 55.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Sector 55
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €428k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
7 d early
2023
30 d late
2022
122 d late
2021
59 d late
2020
25 d late
2019
88 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€428k▲ 396%
2024 · €86k
2018: €142k
2019: €134k
2020: €131k
2021: €164k
2022: €174k
2023: €127k
2024: €86k
2018 → 2025
Total assets
€961k▲ 34.5%
2024 · €715k
2018: €401k
2019: €352k
2020: €428k
2021: €491k
2022: €662k
2023: €690k
2024: €715k
2018 → 2025
Net result
€-60k▼ 48.7%
2024 · €-40k
2018: €14k
2019: €-404
2020: €3k
2021: €40k
2022: €17k
2023: €-42k
2024: €-40k
2018 → 2025
Working capital
€-132k▼ 41.1%
2024 · €-93k
2018: €-70k
2019: €-61k
2020: €-45k
2021: €11k
2022: €-33k
2023: €-63k
2024: €-93k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€164k-€174k▲ 6.3%€127k▼ 27.4%€86k▼ 31.8%€428k▲ 396%
Operating result€41k-€22k▼ 47.0%€-38k€-35k▲ 8.4%€-54k▼ 55.6%
Net result€40k-€17k▼ 57.2%€-42k€-40k▲ 3.7%€-60k▼ 48.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €54k in 2025 against €35k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €961k
Fixed assets
€687k▲ 102%
Current assets
€274k▼ 26.8%
Equity and liabilities €961k
Equity
€428k▲ 396%
Debt
€533k▼ 15.2%
The debt ratio falls from 87.9% to 55.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€53k▲
2024 · €52k
Cash flow
€47k▲
2024 · €47k
Solvency
44.6%▲
2024 · 12.1%
Current ratio
0.68▼
2024 · 0.80
Quick ratio
0.67▼
2024 · 0.80
Debt / equity
1.24▼
2024 · 7.27
ROE
-14.0%▲
2024 · -46.6%
ROA
-6.2%▼
2024 · -5.6%
Interest coverage
9.77▼
2024 · 10.02
Debt
€533k▼
2024 · €628k
Debt ≤ 1 year
€405k▼
2024 · €467k
Debt > 1 year
€114k▼
2024 · €143k
Income taxes
€694▲
2024 · €549
Staff costs
€44k▲
2024 · €41k
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€715k€961k▲
Fixed assets21/28€341k€687k▲
Tangible fixed assets22/27€341k€687k▲
Land and buildings22€229k€539k▲
Plant, machinery and equipment23€9k€84k▲
Furniture and vehicles24€102k€65k▼
Current assets29/58€374k€274k▼
Stocks and contracts in progress3€2k€2k=
Stocks30/36€2k€2k=
Amounts receivable within one year40/41€163k€256k▲
Trade receivables40€139k€183k▲
Other amounts receivable41€23k€73k▲
Current investments50/53-€11k
Cash at bank and in hand54/58€205k€5k▼
Deferred charges and accrued income490/1€5k-
Equity and liabilities
Total equity and liabilities10/49€715k€961k▲
Equity10/15€86k€428k▲
Contributions10/11€19k€390k▲
Reserves13€45k€75k▲
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€43k€75k▲
Profit (loss) carried forward14€23k€-37k▼
Amounts payable17/49€628k€533k▼
Amounts payable after more than one year17€143k€114k▼
Financial debts170/4€143k€114k▼
Amounts payable within one year42/48€467k€405k▼
Current portion of amounts payable after more than one year42€65k€30k▼
Trade debts44€23k€67k▲
Suppliers440/4€23k€67k▲
Advances received on contracts in progress46€2k-
Taxes, remuneration and social security45€16k€15k▼
Taxes450/3€8k€8k▲
Remuneration and social security454/9€9k€7k▼
Other amounts payable47/48€361k€293k▼
Accrued charges and deferred income492/3€19k€13k▼
Income statement
Code20242025
Remuneration, social security and pensions62€41k€44k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€87k€107k▲
Other operating charges640/8€7k€8k▲
Gross operating margin9900€100k€105k▲
Operating profit (loss)9901€-35k€-54k▼
Financial income75/76B€258€290▲
Recurring financial income75€258€290▲
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€-40k€-59k▼
Income taxes67/77€549€694▲
Profit (loss) for the period9904€-40k€-60k▼
Profit (loss) for the period to be appropriated9905€-40k€-60k▼
Appropriation of the result
Profit (loss) to be appropriated9906€23k€-37k▼
Profit (loss) brought forward from the previous period14P€63k€23k▼
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-60k
Net result drops to €-60k, the lowest in the series.
31-12
Financial
Equity above €200kEq €428k ▲396%
Equity rises from €86k to €428k.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 122 days late
2022
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 59 days late
2021
31-12
Financial
Highest result since 2018net €40k ▲1115%
Operating result €41k, net result €40k, both a record.
31-12
Financial
Equity above €150kEq €164k ▲25.2%
2 profitable years in a row build equity to €164k.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 88 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
18-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 140 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Florenville · 2 establishment units since 1997
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.
Rue des Iles, Lacuisine 146821 FlorenvilleGround area
995 m²
Building footprint
354 m²
Volume, LiDAR
2,939 m³
2 parcels, Wallonia · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Rue des Iles, Lacuisine 14, 6821 Florenville
since 19972.081.765.005
AUX BEAUX RIVAGES
since 20152.245.011.154
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 85020A0532/00H000 | Wallonia | 871 m² | 1 · 354 m² | 11.3 m · 3 fl. |
| 85020A0532/00N000indicative | Wallonia | 124 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 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 siteFlorenville2.081.765.005
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Of 2,395 companies in sector 55100 we hold annual accounts for 1,516. 1,093 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-04-1997
Fiscal year end31-12
Activities, NACEBEL
55100Hotels and similar accommodation
55101Hotels
55302
55522
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 25 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.