T&C
ActiveThe computed 12-month bankruptcy probability of T&C is 3.1% (moderate). The 2025 annual accounts show equity of €26k and a net result of €38k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 40% of 13270 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+10
Solvency44▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
3.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.67 against 0.6 in 2024; short-term debt: 74.9% and cash: 15.3% of total assets), and 81.2% 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 →
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
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
18.8%
Return on assets
26.9%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-04-2026, 101 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
101 d early
2024
141 d early
2023
124 d early
2022
115 d early
2021
122 d early
2020
17 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€26k▲ 40.9%
2024 · €19k
2020: €13k
2021: €97k
2022: €113k
2023: €72k
2024: €19k
2020 → 2025
Total assets
€140k▼ 20.1%
2024 · €175k
2020: €112k
2021: €196k
2022: €190k
2023: €197k
2024: €175k
2020 → 2025
Net result
€38k▲ 26.1%
2024 · €30k
2020: €413
2021: €84k
2022: €16k
2023: €43k
2024: €30k
2020 → 2025
Working capital
€-34k▲ 38.2%
2024 · €-55k
2020: €-22k
2021: €46k
2022: €47k
2023: €-11k
2024: €-55k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€97k-€113k▲ 16.6%€72k▼ 36.5%€19k▼ 74.0%€26k▲ 40.9%
Operating result€94k-€25k▼ 73.9%€59k▲ 141%€51k▼ 14.9%€60k▲ 18.7%
Net result€84k-€16k▼ 80.9%€43k▲ 170%€30k▼ 31.1%€38k▲ 26.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 19% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €140k
Fixed assets
€69k▼ 25.6%
Current assets
€70k▼ 13.8%
Equity and liabilities €140k
Equity
€26k▲ 40.9%
Debt
€114k▼ 27.3%
The debt ratio falls from 89.4% to 81.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€84k▲
2024 · €79k
Cash flow
€61k▲
2024 · €58k
Solvency
18.8%▲
2024 · 10.6%
Current ratio
0.67▲
2024 · 0.60
Quick ratio
0.53▲
2024 · 0.49
Debt / equity
4.33▼
2024 · 8.40
ROE
143.5%▼
2024 · 160.3%
ROA
26.9%▲
2024 · 17.1%
Interest coverage
16.35▲
2024 · 13.95
Debt
€114k▼
2024 · €156k
Debt ≤ 1 year
€105k▼
2024 · €137k
Debt > 1 year
€9k▼
2024 · €19k
Income taxes
€17k▲
2024 · €15k
Staff costs
€161k▼
2024 · €195k
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€175k€140k▼
Formation expenses20€0-
Fixed assets21/28€93k€69k▼
Tangible fixed assets22/27€93k€69k▼
Plant, machinery and equipment23€11k€8k▼
Furniture and vehicles24€53k€38k▼
Other tangible fixed assets26€29k€23k▼
Current assets29/58€82k€70k▼
Stocks and contracts in progress3€15k€15k=
Stocks30/36€15k€15k=
Amounts receivable within one year40/41€26k€27k▲
Trade receivables40€26k€22k▼
Other amounts receivable41€0€5k▲
Cash at bank and in hand54/58€32k€21k▼
Deferred charges and accrued income490/1€8k€7k▼
Equity and liabilities
Total equity and liabilities10/49€175k€140k▼
Equity10/15€19k€26k▲
Contributions10/11€19k€19k=
Reserves13€0€8k▲
Distributable reserves133€0€8k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€156k€114k▼
Amounts payable after more than one year17€19k€9k▼
Financial debts170/4€19k€9k▼
Amounts payable within one year42/48€137k€105k▼
Current portion of amounts payable after more than one year42€10k€10k▲
Financial debts43€2k€3k▲
Credit institutions430/8€2k€3k▲
Trade debts44€10k€5k▼
Suppliers440/4€10k€5k▼
Taxes, remuneration and social security45€39k€31k▼
Taxes450/3€23k€18k▼
Remuneration and social security454/9€16k€13k▼
Other amounts payable47/48€76k€56k▼
Income statement
Code20242025
Remuneration, social security and pensions62€195k€161k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€24k▼
Other operating charges640/8€7k€3k▼
Gross operating margin9900€280k€248k▼
Operating profit (loss)9901€51k€60k▲
Financial income75/76B€2€160▲
Recurring financial income75€2€160▲
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€45k€55k▲
Income taxes67/77€15k€17k▲
Profit (loss) for the period9904€30k€38k▲
Profit (loss) for the period to be appropriated9905€30k€38k▲
Appropriation of the result
Profit (loss) to be appropriated9906€30k€38k▲
Transfer from equity791/2€53k€0▼
Transfer to equity691/2-€8k
To other reserves6921-€8k
Profit to be distributed694/7€83k€30k▼
Return on contributions (dividend)694€83k€30k▼
The notes to these accounts (7 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
21-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
12-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €113k ▲16.6%
3 profitable years in a row build equity to €113k.
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2020net €84k ▲20217%
Operating result €94k, net result €84k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 1.62
Current ratio from 0.49 to 1.62.
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · 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, Brugge · 1 establishment unit since 2019
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.
Potterierei 108/1098000 BruggeGround area
179 m²
Building footprint
41 m²
Volume, LiDAR
317 m³
Parcel 31806F0032/00E000, Flanders · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Estaminet Molenhuis
since 20192.287.048.776
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31806F0032/00E000 | Flanders | 179 m² | 1 · 41 m² | 10.3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 1,635 EUR awarded · 1,635 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,635 EUR | 1,635 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrugge2.287.048.776
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Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 4,060 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-03-2019
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56301Cafés and bars
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.