VANILLE ET MOKA
ActiveThe computed 12-month bankruptcy probability of VANILLE ET MOKA is 2.6% (moderate). The annual accounts of VANILLE ET MOKA for fiscal year 2025 show a net loss of 77% of the equity at the start of that year. The 2025 annual accounts show equity of €3k and a net result of €-10k. Equity is growing by ~2.5% per year across the filed fiscal years. Its solvency ranks better than 34% of 13091 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
26
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-6
Solvency37▼-27
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.5 against 0.75 in 2024; short-term debt: 88% and cash: 10.1% of total assets), and 88% 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.
+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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
12%
Return on assets
-39.1%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-10k
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 · 8 filingsDeviation from the deadline
2025
31 d late
2024
61 d late
2023
58 d late
2022
8 d late
2021
30 d late
2020
61 d late
2019
122 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k▼ 76.5%
2024 · €14k
2018: €9k
2019: €10k
2020: €16k
2021: €20k
2022: €16k
2023: €18k
2024: €14k
2018 → 2025
Total assets
€26k▼ 23.0%
2024 · €34k
2018: €39k
2019: €46k
2020: €25k
2021: €32k
2022: €44k
2023: €42k
2024: €34k
2018 → 2025
Net result
€-10k▼ 120%
2024 · €-5k
2018: €3k
2019: €1k
2020: €332
2021: €2k
2022: €-3k
2023: €2k
2024: €-5k
2018 → 2025
Working capital
€-12k▼ 126%
2024 · €-5k
2018: €9k
2019: €10k
2020: €14k
2021: €8k
2022: €1k
2023: €5k
2024: €-5k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€16k▼ 16.0%€18k▲ 11.0%€14k▼ 25.8%€3k▼ 76.5%
Operating result€2k-€-3k€3k€-3k€-9k▼ 183%
Net result€2k-€-3k€2k€-5k€-10k▼ 120%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €9k in 2025 against €3k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €26k
Fixed assets
€15k▼ 20.5%
Current assets
€12k▼ 25.9%
Equity and liabilities €26k
Equity
€3k▼ 76.5%
Debt
€23k▲ 11.8%
The debt ratio rises from 60.6% to 88.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-5k▼
2024 · €806
Cash flow
€-6k▼
2024 · €-558
Solvency
12.0%▼
2024 · 39.4%
Current ratio
0.50▼
2024 · 0.75
Quick ratio
0.17▼
2024 · 0.39
Debt / equity
7.33▲
2024 · 1.54
ROE
-325.9%▼
2024 · -34.8%
ROA
-39.1%▼
2024 · -13.7%
Interest coverage
-5.72▼
2024 · 0.58
Debt
€23k▲
2024 · €21k
Debt ≤ 1 year
€23k▲
2024 · €21k
Staff costs
€24k▲
2024 · €22k
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€34k€26k▼
Fixed assets21/28€19k€15k▼
Tangible fixed assets22/27€19k€15k▼
Furniture and vehicles24€13k€10k▼
Other tangible fixed assets26€6k€5k▼
Current assets29/58€16k€12k▼
Stocks and contracts in progress3€8k€8k▲
Stocks30/36€8k€8k▲
Amounts receivable within one year40/41€4k€1k▼
Trade receivables40€4k€1k▼
Cash at bank and in hand54/58€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€34k€26k▼
Equity10/15€14k€3k▼
Contributions10/11€13k€13k=
Reserves13€224€224=
Distributable reserves133€224€224=
Profit (loss) carried forward14€100€-10k▼
Amounts payable17/49€21k€23k▲
Amounts payable within one year42/48€21k€23k▲
Trade debts44€6k€4k▼
Suppliers440/4€6k€4k▼
Taxes, remuneration and social security45€7k€7k▲
Taxes450/3€1k€2k▲
Remuneration and social security454/9€5k€6k▲
Other amounts payable47/48€8k€12k▲
Income statement
Code20242025
Remuneration, social security and pensions62€22k€24k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€5k€4k▼
Gross operating margin9900€27k€23k▼
Operating profit (loss)9901€-3k€-9k▼
Financial income75/76B€20€14▼
Recurring financial income75€20€14▼
Financial charges65/66B€1k€897▼
Recurring financial charges65€1k€897▼
Profit (loss) for the period before taxes9903€-5k€-10k▼
Profit (loss) for the period9904€-5k€-10k▼
Profit (loss) for the period to be appropriated9905€-5k€-10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€100€-10k▼
Profit (loss) brought forward from the previous period14P€5k€100▼
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 2.58
Current ratio from 1.28 to 2.58; short-term debt falls from €36k to €9k.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
26-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 118 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, Flémalle · 1 establishment unit since 2017
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.
Grand'Route(Flh) 3964400 FlémalleGround area
2.7 ha
Building footprint
672 m²
Volume, LiDAR
8,388 m³
Parcel 62037B0339/00B000, Wallonia · tallest building 18.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
LA MAISON DU PEUPLE
since 20172.266.683.825
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62037B0339/00B000 | Wallonia | 2.7 ha | 1 · 672 m² | 18.2 m · 4 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 siteFlémalle2.266.683.825
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Of 21,911 companies in sector 56112 we hold annual accounts for 9,783. 4,084 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-08-2017
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.