CHEZ ALFIO
ActiveSummary
The computed 12-month bankruptcy probability of CHEZ ALFIO is 1.9% (moderate). The 2024 annual accounts show equity of €226k and a net result of €-18k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 71% of 18941 sector peers (fiscal year 2024). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability50▼-50
Solvency79▼-1
Growth65▲+1
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity short (current ratio 0.6 against 0.64 in 2023; short-term debt: 31.9% and cash: 12.5% of total assets), and 45.6% of the assets are financed with debt.
Credit advice 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
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 2024Solvency, return and age of the figures
Solvency
54.4%
Return on assets
-4.4%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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
not confirmed
2024
61 d late
2023
30 d late
2022
42 d early
2021
2 d late
2019
122 d late
2018
8 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€679k▲ 7.6%
2023 · €631k
2018: €605k
2019: €650k
2021: €367k
2022: €563k
2023: €631k
2018 → 2024
EBIT margin
-1.8%▼ 34.1pp
2023 · 32.3%
2018: -2.1%
2019: 3.3%
2021: 2.2%
2022: -3.3%
2023: 32.3%
2018 → 2024
Net result
€-18k
2023 · €197k
2018: €-25k
2019: €12k
2021: €-2k
2022: €-25k
2023: €197k
2018 → 2024
Working capital
€-52k▼ 39.4%
2023 · €-38k
2018: €-233k
2019: €-237k
2021: €-199k
2022: €-234k
2023: €-38k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192021202220232024Trend
Turnover€650k-€367k▼ 43.5%€563k▲ 53.3%€631k▲ 12.2%€679k▲ 7.6%
Equity€83k-€71k▼ 13.9%€46k▼ 35.2%€244k▲ 427%€226k▼ 7.4%
Operating result€21k-€8k▼ 63.0%€-18k€204k€-12k
Net result€12k-€-2k€-25k▼ 1,004%€197k€-18k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €12k after €204k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €415k
Fixed assets
€335k ▼ 11.2%
Current assets
€80k ▲ 21.6%
Equity and liabilities €415k
Equity
€226k ▼ 7.4%
Debt
€189k ▼ 5.1%
Debt's share of the balance-sheet total rises from 45.0% to 45.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€30k▼
2023 · €246k
Cash flow
€24k▼
2023 · €240k
Current ratio
0.60▼
2023 · 0.64
Quick ratio
0.59▼
2023 · 0.61
Debt to equity
0.84▲
2023 · 0.82
ROE
-8.0%▼
2023 · 81.0%
ROA
-4.4%▼
2023 · 44.6%
Interest coverage
5.11▼
2023 · 38.84
Debt ≤ 1 year
€132k▲
2023 · €103k
Debt > 1 year
€57k▼
2023 · €96k
Income taxes
€128▼
2023 · €187
Staff costs
€256k▲
2023 · €234k
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 · 2024 against 2023 · 50 lines
Balance sheet
Code20232024
Assets
Total assets20/58€443k€415k▼
Fixed assets21/28€377k€335k▼
Tangible fixed assets22/27€127k€85k▼
Plant, machinery and equipment23€116k€80k▼
Furniture and vehicles24€11k€5k▼
Financial fixed assets28€250k€250k=
Current assets29/58€66k€80k▲
Stocks and contracts in progress3€3k€2k▼
Stocks30/36€3k€2k▼
Amounts receivable within one year40/41€8k€26k▲
Trade receivables40€2k€1k▼
Other amounts receivable41€6k€25k▲
Cash at bank and in hand54/58€56k€52k▼
Equity and liabilities
Total equity and liabilities10/49€443k€415k▼
Equity10/15€244k€226k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€223k€205k▼
Amounts payable17/49€199k€189k▼
Amounts payable after more than one year17€96k€57k▼
Financial debts170/4€96k€57k▼
Amounts payable within one year42/48€103k€132k▲
Current portion of amounts payable after more than one year42€41k€50k▲
Trade debts44€50k€57k▲
Suppliers440/4€50k€57k▲
Taxes, remuneration and social security45€12k€12k▼
Taxes450/3€9k€8k▼
Remuneration and social security454/9€3k€4k▲
Other amounts payable47/48-€14k
Income statement
Code20232024
Turnover70€631k€679k▲
Non-recurring operating income76A€327k-
Goods, raw materials, services and sundry goods60/61€477k€392k▼
Remuneration, social security and pensions62€234k€256k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€42k▲
Other operating charges640/8€606€600▼
Non-recurring operating charges66A€1-
Gross operating margin9900€481k€287k▼
Operating profit (loss)9901€204k€-12k▼
Financial income75/76B€5€0▼
Recurring financial income75€5€0▼
Financial charges65/66B€6k€6k▼
Recurring financial charges65€6k€6k▼
Profit (loss) for the period before taxes9903€198k€-18k▼
Income taxes67/77€187€128▼
Profit (loss) for the period9904€197k€-18k▼
Profit (loss) for the period to be appropriated9905€197k€-18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€223k€205k▼
Profit (loss) brought forward from the previous period14P€26k€223k▲
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
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €197k
Net result €197k after 2 loss-making years.
31-12
Financial
Equity above €200kEq €244k ▲427%
Equity rises from €46k to €244k.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €-25k
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 2 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 122 days late
2019
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
08-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 8 days late
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
04-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 4 days late
2015
03-08
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 3 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, Nivelles · 1 establishment unit since 2007
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.
Chaussée de Mons 181400 NivellesGround area
1,567 m²
Building footprint
579 m²
Volume, LiDAR
3,113 m³
Parcel 25783E0243/00A002, Wallonia · tallest building 15.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CHEZ ALFIO
since 20072.165.410.182
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25783E0243/00A002 | Wallonia | 1,567 m² | 1 · 579 m² | 15.0 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteNivelles2.165.410.182
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Of 20,493 companies in sector 56111 we hold annual accounts for 11,461. 8,290 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
Founded24-09-2007
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:067844366