CHECKPOINT
ActiveSummary
CHECKPOINT has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €89k and a net result of €20k. Equity is shrinking by ~10.1% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▼-11
Solvency100▲+9
Growth58=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 4.7 against 3.02 in 2024; short-term debt: 19.9% and cash: 74.4% of total assets), and 24.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
75.4%
Return on assets
16.5%
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 28-05-2026, 64 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
64 d early
2024
21 d early
2023
20 d late
2022
26 d early
2021
12 d late
2020
31 d late
2019
49 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, unclassified schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€20k▼ 56.4%
2024 · €45k
2018: €-20k
2019: €6k
2020: €14k
2021: €-4k
2022: €-59k
2023: €45k
2024: €45k
2018 → 2025
Working capital
€87k▲ 31.0%
2024 · €67k
2018: €128k
2019: €113k
2020: €23k
2021: €12k
2022: €36k
2023: €75k
2024: €67k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€154k-€41k▼ 73.7%€85k▲ 110%€70k▼ 17.9%€89k▲ 28.0%
Operating result€-3k-€-72k▼ 2,747%€41k€46k▲ 12.3%€25k▼ 46.7%
Net result€-4k-€-59k▼ 1,368%€45k€45k▲ 0.6%€20k▼ 56.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 47% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €119k
Fixed assets
€8k ▲ 34.5%
Current assets
€111k ▲ 11.3%
Equity and liabilities €119k
Equity
€89k ▲ 28.0%
Debt
€29k ▼ 17.7%
Debt's share of the balance-sheet total falls from 33.7% to 24.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€26k▼
2024 · €52k
Cash flow
€21k▼
2024 · €51k
Current ratio
4.70▲
2024 · 3.02
Quick ratio
4.44▲
2024 · 2.85
Debt to equity
0.33▼
2024 · 0.51
ROE
21.8%▼
2024 · 64.1%
ROA
16.5%▼
2024 · 42.5%
Interest coverage
15.80▼
2024 · 31.78
Debt ≤ 1 year
€24k▼
2024 · €33k
Staff costs
€120k▲
2024 · €111k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€105k€119k▲
Fixed assets21/28€6k€8k▲
Tangible fixed assets22/27€2k€8k▲
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€320€5k▲
Financial fixed assets28€3k-
Current assets29/58€100k€111k▲
Stocks and contracts in progress3€6k€6k▲
Stocks30/36€6k€6k▲
Amounts receivable within one year40/41€3k€9k▲
Trade receivables40€3k-
Other amounts receivable41€467€9k▲
Cash at bank and in hand54/58€89k€88k▼
Deferred charges and accrued income490/1€2k€7k▲
Equity and liabilities
Total equity and liabilities10/49€105k€119k▲
Equity10/15€70k€89k▲
Contributions10/11€20k€20k=
Reserves13€8k€8k=
Distributable reserves133€8k€8k=
Profit (loss) carried forward14€42k€62k▲
Amounts payable17/49€36k€29k▼
Amounts payable within one year42/48€33k€24k▼
Trade debts44€13k€10k▼
Suppliers440/4€13k€10k▼
Taxes, remuneration and social security45€20k€13k▼
Taxes450/3€1k€1k▼
Remuneration and social security454/9€18k€12k▼
Other amounts payable47/48€215€215=
Accrued charges and deferred income492/3€3k€6k▲
Income statement
Code20242025
Remuneration, social security and pensions62€111k€120k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€962▼
Other operating charges640/8€2k€4k▲
Gross operating margin9900€165k€150k▼
Operating profit (loss)9901€46k€25k▼
Financial income75/76B€294€0▼
Recurring financial income75€294€0▼
Financial charges65/66B€2k€5k▲
Recurring financial charges65€2k€2k▼
Non-recurring financial charges66B-€3k
Profit (loss) for the period before taxes9903€45k€20k▼
Profit (loss) for the period9904€45k€20k▼
Profit (loss) for the period to be appropriated9905€45k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€102k€62k▼
Profit (loss) brought forward from the previous period14P€58k€42k▼
Profit to be distributed694/7€60k-
Return on contributions (dividend)694€60k-
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
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · unclassified schema
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema
2024
31-12
Financial
Highest result since 2018net €45k ▲0.6%
Operating result €46k, net result €45k, both a record.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema · 20 days late
2023
31-12
Financial
Back to profitnet €45k
Net result €45k after 2 loss-making years.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema
2022
31-12
Financial
Weakest financial yearnet €-59k
Net result drops to €-59k, the lowest in the series; recovery starts the following year.
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema · 12 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · unclassified schema · 31 days late
2020
31-12
Financial
Equity above €150kEq €158k ▲9.6%
2 profitable years in a row build equity to €158k.
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 49 days late
2019
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
Show earlier events
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 29 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Sankt Vith · 1 establishment unit since 2006
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.
Prümer Strasse 44780 Sankt Vith1 establishment unit
CHECKPOINT
since 20062.152.303.997
Recognitions · licences · registrations
Food safety, FASFC
1 siteSankt Vith/Saint-Vith2.152.303.997
Similar companies · same sector, comparable size
La Maison du Peuple Boussu-Bois
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LE PAYSAN
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RAZEK
BE 0834.779.129
Genk · Eq €89,371
VS 50
BE 0741.481.955
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HOTEL CARROUSEL
BE 0676.500.071
Antwerpen · Eq €89,361
Of 14,018 companies in sector 56301 we hold annual accounts for 4,891. 3,776 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-01-2006
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
56301Cafés and bars
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filings
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:florian@info-feiten.be
Phone:080/221574