CHEZ OPHÉLIE
ActiveSummary
The computed 12-month bankruptcy probability of CHEZ OPHÉLIE is 8.5% (elevated). The 2025 annual accounts show negative equity (€-29k) and a net result of €-10k. Equity is shrinking by ~67.6% per year across the filed fiscal years. Its solvency ranks better than 5% of 13305 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
20
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0=
Growth22▼-10
Track record100
Bankruptcy probability, 12 months
8.5%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
Credit advice for your own amount and term
Signals
Six 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 · 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 2025Age of the figures
Age of the figures
12 mo
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
21222425
2021 to 2025 · latest year €-29k
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-05-2026, 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
on the day
2022
3 d early
2021
25 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€66k▼ 11.8%
2024 · €74k
2024: €74k
2024 → 2025
EBIT margin
-15.1%▼ 13.1pp
2024 · -2.0%
2024: -2.0%
2024 → 2025
Net result
€-10k▼ 455%
2024 · €-2k
2021: €5k
2022: €-13k
2024: €-2k
2021 → 2025
Working capital
€-30k▼ 57.8%
2024 · €-19k
2021: €8k
2022: €-4k
2024: €-19k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220242025Trend
Turnover€74k€66k▼ 11.8%
Equity€8k-€-4k€-19k▼ 361%€-29k▼ 53.6%
Operating result€5k-€-12k€-2k▲ 87.5%€-10k▼ 553%
Net result€5k-€-13k€-2k▲ 85.3%€-10k▼ 455%
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 €10k in 2025 against €2k in 2024; the loss grows.
Balance-sheet composition
Assets €4k
Fixed assets
€810
Current assets
€3k
Key figures and ratios
Debt
€33k▲
2024 · €25k
Debt ≤ 1 year
€33k▲
2024 · €25k
Ratios withheld: a balance sheet total of €4k is too small for a meaningful ratio.
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€6k€4k▼
Formation expenses20€0€0=
Fixed assets21/28€0€810▲
Intangible fixed assets21€0-
Financial fixed assets28-€810
Current assets29/58€6k€3k▼
Stocks and contracts in progress3€2k€1k▼
Stocks30/36€2k€1k▼
Amounts receivable within one year40/41€762-
Trade receivables40€265-
Other amounts receivable41€497-
Cash at bank and in hand54/58€3k€2k▼
Deferred charges and accrued income490/1€1k€302▼
Equity and liabilities
Total equity and liabilities10/49€6k€4k▼
Equity10/15€-19k€-29k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€-22k€-32k▼
Amounts payable17/49€25k€33k▲
Amounts payable within one year42/48€25k€33k▲
Trade debts44€7k€8k▲
Suppliers440/4€7k€8k▲
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€3k€2k▼
Other amounts payable47/48€14k€24k▲
Income statement
Code20242025
Turnover70€74k€66k▼
Goods, raw materials, services and sundry goods60/61€71k€71k▼
Other operating charges640/8€5k€5k▲
Gross operating margin9900€3k€-5k▼
Operating profit (loss)9901€-2k€-10k▼
Financial income75/76B-€94
Recurring financial income75-€94
Financial charges65/66B€326€420▲
Recurring financial charges65€326€420▲
Profit (loss) for the period before taxes9903€-2k€-10k▼
Profit (loss) for the period9904€-2k€-10k▼
Profit (loss) for the period to be appropriated9905€-2k€-10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-22k€-32k▼
Profit (loss) brought forward from the previous period14P€-20k€-22k▼
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
2026
31-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €-13k ▼332%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
05-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Philippeville · 1 establishment unit since 2020
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 du Moulin 1495600 PhilippevilleGround area
135 m²
Building footprint
104 m²
Parcel 93056D0519/00B044, Wallonia. Linked by address, not a title deed.
1 establishment unit
New Botanique
since 20202.313.187.506
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93056D0519/00B044 | Wallonia | 135 m² | 1 · 104 m² | - |
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 sitePhilippeville2.313.187.506
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BE 1020.188.095
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FLORYANDFAMILY
BE 0841.474.010
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PLANCHEE
BE 0440.881.727
Antwerpen · Eq €8,405
AMMIK
BE 0771.868.887
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Of 14,018 companies in sector 56301 we hold annual accounts for 4,891. 3,337 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
Founded17-08-2020
Fiscal year end30-09
Activities, NACEBEL 2025
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.