Checked.be
Active
BE 0446.839.507Private limited company
EL VERDI
Hoogzand 8 ·2235 Hulshout, Belgium· 34 yrs active
Sector: Cafés and bars
(56301)
Conclusion
EL VERDI has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €109k and a net result of €16k. Equity is growing by ~15.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 12499 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €109k |
| Net result | €16k |
| Better than sector | 95% |
| Active | 34 yrs |
Financial profile
90
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
93
Profitability
72
Solvency
100
Growth
85
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1992, 34 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
93
/ 100
Excellent
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€10k
estimate, not credit advice
Score history
57
2021
100
2022
86
2023
88
2024
93
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 24.42 (≥ 1.5)
+10
Quick ratio
Quick ratio 23.26 (≥ 1.0)
+5
Leverage
Debt/equity 0.04 (< 1.0)
+10
Profitability
ROE 14% (≥ 10%)
+10
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 30-08-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~15.1%/year over 5 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 56, Food and beverage service activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 95.9% | 30.5% | |
| Net result | €16k | €5k | |
| Equity | €109k | €30k | |
| Gross operating margin | €21k | €62k | |
| Total assets | €114k | €116k |
€132k
-4.3%
21-25
€9k
-45.3%
21-25
€16k
+237.7%
21-25
€5k
-13.5%
21-25
€114k
+19.6%
21-25
€109k
+16.8%
21-25
€108k
+16.6%
21-25
0
-
21-25
€387
-
21-25
€4k
-14.5%
21-25
€5k
+170.3%
21-25
€5k
+234.4%
21-25
€0
-
21-25
24.42
-64.2%
21-25
23.26
-63.0%
21-25
95.9%
-2.3%
21-25
0.04
+131.3%
21-25
14.4%
+189.0%
21-25
13.8%
+182.4%
21-25
3.5%
+71.7%
21-25
6.7%
-42.8%
21-25
0.42
-
21-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | micro schema | abbreviated schema | abbreviated schema | abbreviated schema | micro schema |
| Revenue | - | €132k | €138k | €130k | €77k |
| EBITDA | - | €9k | €16k | €18k | €445 |
| Net profit | €16k | €5k | €3k | €24k | €-671 |
| Cash flow | - | €5k | €5k | €25k | €290 |
| Staff costs | - | €387 | €0 | €0 | €0 |
| Income taxes | €4k | €5k | €6k | - | €0 |
| Dividends | - | - | - | - | - |
| Total assets | €114k | €95k | €88k | €83k | €67k |
| Equity | €109k | €94k | €85k | €82k | €59k |
| Debt | €5k | €2k | €3k | €1k | €9k |
| of which ≤ 1y | €5k | €1k | €3k | €250 | €1k |
| of which > 1y | - | - | - | - | €0 |
| Working capital | €108k | €93k | €84k | €80k | €61k |
| Employees (FTE) | - | 0.0 | 0.0 | 0.0 | - |
Note: these years are not on the same basis. The filed schemas differ (micro schema, abbreviated schema), so the columns are not directly comparable.
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 24.42 | 68.17 | 31.35 | 319.51 | 61.67 |
| Quick ratio | 23.26 | 62.81 | 29.14 | 295.22 | 59.53 |
| Working capital ratio | 95.1% | 97.5% | 95.7% | 95.4% | 90.9% |
| Solvency | 95.9% | 98.2% | 96.8% | 98.5% | 86.9% |
| Debt / equity | 0.04 | 0.02 | 0.03 | 0.02 | 0.15 |
| Long-term debt ratio | - | - | - | - | 0.00 |
| Interest coverage | - | - | - | - | 0.42 |
| Gross margin | - | 7.6% | 12.6% | 14.6% | 1.8% |
| Net margin | - | 3.5% | 2.1% | 18.1% | -0.9% |
| ROA | 13.8% | 4.9% | 3.2% | 28.3% | -1.0% |
| ROE | 14.4% | 5.0% | 3.3% | 28.8% | -1.1% |
| EBITDA margin | - | 6.7% | 11.7% | 13.7% | 0.6% |
| Days sales outstanding | - | 0d | 2d | 1d | 12d |
| Days payable outstanding | - | 0d | 1d | 1d | 0d |
| Inventory turnover | - | 16.42 | 19.65 | 18.33 | 34.85 |
| Days inventory (DSI) | - | 22d | 19d | 20d | 10d |
Balance-sheet composition 2025
Full annual accounts (30 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €114k | €95k | €88k | €83k | €67k |
| Fixed assets | 21/28 | €1k | €1k | €1k | €4k | €5k |
| Formation expenses | 20 | - | €0 | €0 | €0 | €0 |
| Intangible fixed assets | 21 | - | €0 | €0 | - | - |
| Tangible fixed assets | 22/27 | - | €0 | €0 | €3k | €4k |
| Financial fixed assets | 28 | €1k | €1k | €1k | €1k | €750 |
| Current assets | 29/58 | €113k | €94k | €87k | €80k | €62k |
| Stocks & contracts in progress | 3 | €5k | €7k | €6k | €6k | €2k |
| Amounts receivable within one year | 40/41 | €4k | €40 | €5k | €7k | €3k |
| Investments | 50/53 | - | - | - | €0 | €0 |
| Cash & bank | 54/58 | €102k | €87k | €76k | €66k | €57k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €114k | €95k | €88k | €83k | €67k |
| Equity | 10/15 | €109k | €94k | €85k | €82k | €59k |
| Contributions / capital | 10/11 | €19k | €0 | €0 | €19k | €19k |
| Reserves | 13 | €91k | €24k | €20k | €2k | €2k |
| Accumulated profits (losses) | 14 | - | €69k | €65k | €62k | €38k |
| Provisions & deferred taxes | 16 | - | - | - | €0 | €0 |
| Amounts payable | 17/49 | €5k | €2k | €3k | €1k | €9k |
| Amounts payable after one year | 17 | - | - | - | - | €0 |
| Amounts payable within one year | 42/48 | €5k | €1k | €3k | €250 | €1k |
| Trade debts payable within one year | 44 | - | €39 | €405 | €250 | €0 |
| Income statement | ||||||
| Turnover | 70 | - | €132k | €138k | €130k | €77k |
| Gross operating margin | 9900 | €21k | €10k | €17k | €19k | €1k |
| Operating result | 9901 | €20k | €9k | €14k | €16k | €-516 |
| Financial income | 75 | €522 | €873 | €1k | €831 | €914 |
| Financial charges | 65 | €54 | €0 | €0 | €0 | €1k |
| Result before taxes | 9903 | €20k | €10k | €15k | €24k | €-671 |
| Income taxes | 67/77 | €4k | €5k | €6k | - | €0 |
| Net result for the period | 9904 | €16k | €5k | €3k | €24k | €-671 |
| Result to be appropriated | 9905 | €16k | €5k | €3k | €24k | €-671 |
Legal Structure
| NACE primary | Cafés and bars(56301) |
| Legal form | Private limited company(610) |
| Incorporation | 16-03-1992 |
| Status | Active |
| Postal code | 2235 |
Establishment units
EL VERDI
since 19922.057.466.703
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13050B0223/00K000 | Flanders | 458 m² | 1 · 224 m² | 11.6 m · 2 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Equity above €100kEq €109k ▲16.8%
4 profitable years in a row build equity to €109k.
26-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity doublescurrent ratio 68.17
Current ratio from 31.35 to 68.17; short-term debt falls from €3k to €1k.
20-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
25-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
31-12
Financial
Liquidity times 5current ratio 319.51
Current ratio from 61.67 to 319.51; short-term debt falls from €1k to €250.
29-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
15-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
25-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
15-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Cafés and bars56301
Names & trade names
| Legal nameNL | EL VERDI |
Similar companies
ASMIN BILAL
BE 0536.959.039 · Verviers
GUS CAFE
BE 1015.769.449 · Mouscron
Cap o
BE 0661.977.191 · Antwerpen
NELISSEN JURGEN
BE 0718.785.836 · Hasselt
INTERIEUR & AQUA DESIGN
BE 0890.934.607 · Berlare