La Cave du Fromager
ActiveThe computed 12-month bankruptcy probability of La Cave du Fromager is 2.1% (moderate). The 2025 annual accounts show equity of €73k and a net result of €4k. Equity is growing by ~14.3% per year across the filed fiscal years. Its solvency ranks better than 36% of 18040 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70=
Solvency43▼-4
Growth52=
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity tight (current ratio 1.36 against 1.48 in 2024; short-term debt: 37.4% and cash: 40.6% of total assets), and 82% 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
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
18%
Return on assets
0.9%
Age of the figures
9 mo
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 · 7 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
1 d late
2022
4 d late
2021
22 d late
2020
26 d late
2019
30 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€73k▼ 23.1%
2024 · €95k
2019: €25k
2020: €51k
2021: €70k
2022: €76k
2023: €91k
2024: €95k
2019 → 2025
Total assets
€405k▼ 4.5%
2024 · €424k
2019: €94k
2020: €126k
2021: €311k
2022: €413k
2023: €446k
2024: €424k
2019 → 2025
Net result
€4k▼ 32.2%
2024 · €5k
2019: €25k
2020: €26k
2021: €19k
2022: €8k
2023: €16k
2024: €5k
2019 → 2025
Working capital
€55k▼ 9.7%
2024 · €61k
2019: €-2k
2020: €91
2021: €16k
2022: €44k
2023: €43k
2024: €61k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€70k-€76k▲ 9.0%€91k▲ 19.0%€95k▲ 4.3%€73k▼ 23.1%
Operating result€32k-€17k▼ 47.0%€27k▲ 62.1%€16k▼ 41.4%€13k▼ 18.2%
Net result€19k-€8k▼ 58.1%€16k▲ 98.9%€5k▼ 66.1%€4k▼ 32.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 18% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €405k
Fixed assets
€199k▼ 16.2%
Current assets
€207k▲ 10.4%
Equity and liabilities €405k
Equity
€73k▼ 23.1%
Debt
€332k▲ 0.9%
The debt ratio rises from 77.7% to 82.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€57k▼
2024 · €60k
Cash flow
€48k▼
2024 · €49k
Solvency
18.0%▼
2024 · 22.3%
Current ratio
1.36▼
2024 · 1.48
Quick ratio
1.15▼
2024 · 1.27
Debt / equity
4.56▲
2024 · 3.48
ROE
5.0%▼
2024 · 5.7%
ROA
0.9%▼
2024 · 1.3%
Interest coverage
7.53▲
2024 · 7.38
Debt
€332k▲
2024 · €330k
Debt ≤ 1 year
€152k▲
2024 · €126k
Debt > 1 year
€180k▼
2024 · €202k
Income taxes
€2k▼
2024 · €3k
Staff costs
€18k▼
2024 · €21k
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€424k€405k▼
Fixed assets21/28€237k€199k▼
Intangible fixed assets21€16k€10k▼
Tangible fixed assets22/27€221k€189k▼
Land and buildings22€159k€145k▼
Plant, machinery and equipment23€23k€17k▼
Furniture and vehicles24€39k€27k▼
Other tangible fixed assets26€468€0▼
Financial fixed assets28€73€73=
Current assets29/58€187k€207k▲
Stocks and contracts in progress3€27k€31k▲
Stocks30/36€27k€31k▲
Amounts receivable within one year40/41€18k€11k▼
Trade receivables40€16k€6k▼
Other amounts receivable41€3k€4k▲
Cash at bank and in hand54/58€142k€164k▲
Deferred charges and accrued income490/1€211€131▼
Equity and liabilities
Total equity and liabilities10/49€424k€405k▼
Equity10/15€95k€73k▼
Contributions10/11€6k€6k=
Reserves13€75k€54k▼
Distributable reserves133€75k€54k▼
Profit (loss) carried forward14€13k€13k=
Amounts payable17/49€330k€332k▲
Amounts payable after more than one year17€202k€180k▼
Financial debts170/4€202k€180k▼
Amounts payable within one year42/48€126k€152k▲
Current portion of amounts payable after more than one year42€22k€22k▼
Trade debts44€76k€72k▼
Suppliers440/4€76k€72k▼
Taxes, remuneration and social security45€16k€14k▼
Taxes450/3€5k€7k▲
Remuneration and social security454/9€11k€7k▼
Other amounts payable47/48€12k€44k▲
Accrued charges and deferred income492/3€927€955▲
Income statement
Code20242025
Remuneration, social security and pensions62€21k€18k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€44k€44k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€318
Other operating charges640/8€2k€3k▲
Gross operating margin9900€83k€78k▼
Operating profit (loss)9901€16k€13k▼
Financial income75/76B€249€406▲
Recurring financial income75€249€406▲
Financial charges65/66B€8k€8k▼
Recurring financial charges65€8k€8k▼
Profit (loss) for the period before taxes9903€8k€6k▼
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€5k€4k▼
Profit (loss) for the period to be appropriated9905€5k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€20k€17k▼
Profit (loss) brought forward from the previous period14P€15k€13k▼
Transfer from equity791/2-€26k
Transfer to equity691/2€5k€4k▼
To other reserves6921€5k€4k▼
Profit to be distributed694/7€2k€26k▲
Return on contributions (dividend)694€2k€26k▲
The notes to these accounts (10 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 €4k ▼32.2%
Net result drops to €4k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
2023
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-12
Financial
Highest result since 2019net €26k ▲1.4%
Operating result €42k, net result €26k, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
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, Aywaille · 2 establishment units since 2018
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.
Sedoz 494920 AywailleGround area
1.7 ha
Building footprint
245 m²
Volume, LiDAR
1,805 m³
2 parcels, Wallonia · tallest building 8.9 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
La Cave du Fromager
since 20182.294.189.362
Atelier de production
since 20202.300.028.366
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62098F1162/00A000 | Wallonia | 1.7 ha | 1 · 180 m² | 8.9 m · 3 fl. |
| 62009A1060/00K000 | Wallonia | 60 m² | 1 · 64 m² | 8.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 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
2 sitesAywaille2.300.028.366
Aywaille2.294.189.362
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LE FROMAGEON
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KOMPTOIR
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Of 395 companies in sector 47271 we hold annual accounts for 154. 123 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-11-2018
Fiscal year end31-12
Activities, NACEBEL
47271Retail trade
47291Retail trade
46331Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.