LE SAINT GERMAIN B.M.
ActiveThe computed 12-month bankruptcy probability of LE SAINT GERMAIN B.M. is 1.6% (moderate). The 2025 annual accounts show equity of €100k and a net result of €25k. Equity is growing by ~21.4% per year across the filed fiscal years. Its solvency ranks better than 31% of 13090 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability52▲+9
Solvency33=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.5 against 0.62 in 2024; short-term debt: 16.7% and cash: 6.3% of total assets), and 92.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 · 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
7.8%
Return on assets
2%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 9 filingsDeviation from the deadline
2025
21 d late
2024
31 d early
2023
28 d early
2022
25 d early
2021
23 d late
2020
33 d early
2019
32 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€100k▲ 33.2%
2024 · €75k
2018: €5k
2019: €17k
2020: €45k
2021: €60k
2022: €98k
2023: €103k
2024: €75k
2018 → 2025
Total assets
€1.28M▲ 33.5%
2024 · €956k
2018: €216k
2019: €196k
2020: €189k
2021: €174k
2022: €190k
2023: €229k
2024: €956k
2018 → 2025
Net result
€25k
2024 · €-28k
2018: €-15k
2019: €13k
2020: €27k
2021: €15k
2022: €38k
2023: €5k
2024: €-28k
2018 → 2025
Working capital
€-106k▼ 52.5%
2024 · €-70k
2018: €-55k
2019: €-38k
2020: €-6k
2021: €3k
2022: €30k
2023: €9k
2024: €-70k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€60k-€98k▲ 64.4%€103k▲ 5.2%€75k▼ 27.2%€100k▲ 33.2%
Operating result€23k-€55k▲ 142%€15k▼ 71.9%€56k▲ 264%€62k▲ 10.7%
Net result€15k-€38k▲ 154%€5k▼ 86.7%€-28k€25k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 11% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.28M
Fixed assets
€1.17M▲ 38.6%
Current assets
€107k▼ 4.8%
Equity and liabilities €1.28M
Equity
€100k▲ 33.2%
Debt
€1.18M▲ 33.5%
The debt ratio stays at 92.2%.
Key figures and ratios
EBITDA
€139k▲
2024 · €91k
Cash flow
€102k▲
2024 · €7k
Solvency
7.8%▼
2024 · 7.9%
Current ratio
0.50▼
2024 · 0.62
Quick ratio
0.44▼
2024 · 0.55
Debt / equity
11.75▲
2024 · 11.72
ROE
24.9%▲
2024 · -37.3%
ROA
2.0%▲
2024 · -2.9%
Interest coverage
3.75▲
2024 · 3.38
Debt
€1.18M▲
2024 · €881k
Debt ≤ 1 year
€214k▲
2024 · €183k
Debt > 1 year
€962k▲
2024 · €698k
Income taxes
€150▼
2024 · €154
Staff costs
€217k▲
2024 · €169k
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€956k€1.28M▲
Fixed assets21/28€843k€1.17M▲
Intangible fixed assets21€1€1=
Tangible fixed assets22/27€843k€1.16M▲
Land and buildings22€677k€1.01M▲
Plant, machinery and equipment23€109k€96k▼
Furniture and vehicles24€56k€56k▼
Financial fixed assets28€290€4k▲
Current assets29/58€113k€107k▼
Stocks and contracts in progress3€13k€13k▼
Stocks30/36€13k€13k▼
Amounts receivable within one year40/41€14k€2k▼
Trade receivables40€6k€2k▼
Other amounts receivable41€8k€14▼
Cash at bank and in hand54/58€78k€81k▲
Deferred charges and accrued income490/1€8k€12k▲
Equity and liabilities
Total equity and liabilities10/49€956k€1.28M▲
Equity10/15€75k€100k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€67k€92k▲
Amounts payable17/49€881k€1.18M▲
Amounts payable after more than one year17€698k€962k▲
Financial debts170/4€690k€956k▲
Trade debts175€8k€7k▼
Amounts payable within one year42/48€183k€214k▲
Current portion of amounts payable after more than one year42€41k€64k▲
Trade debts44€81k€44k▼
Suppliers440/4€81k€44k▼
Advances received on contracts in progress46€38k€42k▲
Taxes, remuneration and social security45€23k€36k▲
Taxes450/3€12k€22k▲
Remuneration and social security454/9€11k€14k▲
Other amounts payable47/48-€28k
Accrued charges and deferred income492/3-€42
Income statement
Code20242025
Non-recurring operating income76A€2k€2k▼
Remuneration, social security and pensions62€169k€217k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€77k▲
Other operating charges640/8€5k€7k▲
Gross operating margin9900€265k€363k▲
Operating profit (loss)9901€56k€62k▲
Financial income75/76B€81€191▲
Recurring financial income75€81€191▲
Financial charges65/66B€84k€37k▼
Recurring financial charges65€27k€37k▲
Non-recurring financial charges66B€57k-
Profit (loss) for the period before taxes9903€-28k€25k▲
Income taxes67/77€154€150▼
Profit (loss) for the period9904€-28k€25k▲
Profit (loss) for the period to be appropriated9905€-28k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€67k€92k▲
Profit (loss) brought forward from the previous period14P€95k€67k▼
The notes to these accounts (11 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
31-12
Financial
Equity above €100kEq €100k ▲33.2%
Equity rises from €75k to €100k.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-28k ▼650%
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €103k ▲5.2%
5 profitable years in a row build equity to €103k.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €38k ▲154%
Net result €38k, the highest in the series.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
05-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 127 days late
2018
13-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 44 days late
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, Bastogne · 1 establishment unit since 2016
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 de Wiltz 326600 BastogneGround area
872 m²
Building footprint
99 m²
Volume, LiDAR
950 m³
Parcel 82302C0954/00M003, Wallonia · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Le Saint Germain
since 20162.254.738.868
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 82302C0954/00M003 | Wallonia | 872 m² | 1 · 99 m² | 11.6 m · 3 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 siteBastogne2.254.738.868
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Of 20,499 companies in sector 56111 we hold annual accounts for 11,455. 9,564 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-06-2016
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:benoit.bertozzi@gmail.com
Phone:061/612579