NVM-Côté Gourmand
ActiveThe computed 12-month bankruptcy probability of NVM-Côté Gourmand is 2.3% (moderate). The 2025 annual accounts show equity of €405k and a net result of €43k. Equity is growing by ~22% per year across the filed fiscal years. Its solvency ranks better than 95% of 799 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-13
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 37.56 against 18.92 in 2024; short-term debt: 2.7% and cash: 70.3% of total assets), and 2.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
97.3%
Return on assets
10.3%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-08-2026, 9 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
9 d late
2024
15 d late
2023
41 d early
2022
26 d early
2021
66 d early
2020
37 d early
2018
57 d late
← 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, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€43k▼ 47.0%
2024 · €81k
2018: €23k
2020: €47k
2021: €56k
2022: €17k
2023: €53k
2024: €81k
2018 → 2025
Working capital
€403k▲ 12.3%
2024 · €359k
2018: €52k
2020: €117k
2021: €174k
2022: €204k
2023: €268k
2024: €359k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€211k-€228k▲ 8.1%€281k▲ 23.2%€362k▲ 28.7%€405k▲ 11.8%
Operating result€59k-€31k▼ 47.5%€69k▲ 123%€91k▲ 32.2%€63k▼ 30.4%
Net result€56k-€17k▼ 69.5%€53k▲ 208%€81k▲ 52.6%€43k▼ 47.0%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 30% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €416k
Fixed assets
€2k▼ 43.9%
Current assets
€414k▲ 9.3%
Equity and liabilities €416k
Equity
€405k▲ 11.8%
Debt
€11k▼ 45.0%
The debt ratio falls from 5.2% to 2.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€65k▼
2024 · €101k
Cash flow
€44k▼
2024 · €91k
Solvency
97.3%▲
2024 · 94.8%
Current ratio
37.56▲
2024 · 18.92
Quick ratio
37.34▲
2024 · 18.70
Debt / equity
0.03▼
2024 · 0.06
ROE
10.6%▼
2024 · 22.3%
ROA
10.3%▼
2024 · 21.1%
Interest coverage
9.62▼
2024 · 25.85
Debt
€11k▼
2024 · €20k
Debt ≤ 1 year
€11k▼
2024 · €20k
Income taxes
€14k▲
2024 · €6k
Staff costs
€189k▲
2024 · €155k
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€382k€416k▲
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€1k€0▼
Plant, machinery and equipment23€1k€0▼
Financial fixed assets28€2k€2k=
Current assets29/58€379k€414k▲
Stocks and contracts in progress3€4k€2k▼
Stocks30/36€4k€2k▼
Amounts receivable within one year40/41€83k€119k▲
Other amounts receivable41€83k€119k▲
Cash at bank and in hand54/58€292k€292k▲
Equity and liabilities
Total equity and liabilities10/49€382k€416k▲
Equity10/15€362k€405k▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Share premium1100/10€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€342k€384k▲
Amounts payable17/49€20k€11k▼
Amounts payable within one year42/48€20k€11k▼
Trade debts44€9k€10k▲
Suppliers440/4€9k€10k▲
Taxes, remuneration and social security45€11k€1k▼
Taxes450/3€11k€1k▼
Income statement
Code20242025
Remuneration, social security and pensions62€155k€189k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€1k▼
Other operating charges640/8-€327
Gross operating margin9900€256k€254k▼
Operating profit (loss)9901€91k€63k▼
Financial charges65/66B€4k€7k▲
Recurring financial charges65€4k€7k▲
Profit (loss) for the period before taxes9903€87k€56k▼
Income taxes67/77€6k€14k▲
Profit (loss) for the period9904€81k€43k▼
Profit (loss) for the period to be appropriated9905€81k€43k▼
Appropriation of the result
Profit (loss) to be appropriated9906€342k€384k▲
Profit (loss) brought forward from the previous period14P€261k€342k▲
Social balance
Average headcount (FTE)9087-7.0
The notes to these accounts (4 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
09-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 9 days late
2025
15-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 15 days late
2024
31-12
Financial
Highest result since 2018net €81k ▲52.6%
Operating result €91k, net result €81k, both a record.
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €17k ▼69.5%
Net result drops to €17k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 45.11
Current ratio from 17.69 to 45.11; short-term debt falls from €10k to €5k.
26-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Liquidity quadruplescurrent ratio 17.69
Current ratio from 4.63 to 17.69; short-term debt falls from €32k to €10k.
31-12
Financial
Equity above €200kEq €211k ▲36.4%
3 profitable years in a row build equity to €211k.
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Liquidity triplescurrent ratio 4.63
Current ratio from 1.67 to 4.63; short-term debt falls from €77k to €32k.
31-12
Financial
Equity above €150kEq €155k ▲53.1%
2 profitable years in a row build equity to €155k.
2019
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 57 days late
2018
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 56 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
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, Schaarbeek · 1 establishment unit since 2014
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.
Paul Deschanellaan 4-61030 SchaarbeekGround area
386 m²
Building footprint
313 m²
Volume, LiDAR
5,921 m³
Parcel 21906D0004/00B005, Brussels · tallest building 22.7 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Paul Deschanellaan 4-6, 1030 Schaarbeek
since 20142.237.912.932
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21906D0004/00B005 | Brussels | 386 m² | 1 · 313 m² | 22.7 m · 7 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 siteSchaarbeek2.237.912.932
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Of 20,506 companies in sector 56111 we hold annual accounts for 11,453. 6,877 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-12-2014
Fiscal year end31-12
Abbreviation FR
NVM
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
10730Manufacture of food products
10860Manufacture of food products
10890Manufacture of food products
46170Agents in the wholesale of food, beverages and tobacco
56102Limited-service restaurants
56210Event catering
56301Cafés and bars
56302Nightclubs
56309Food and beverage service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 10 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.