CAFE RAFAEL

Active

Private limited companyfounded 20197 yrs activePhilippe Werrieplein 15a, 1090 Jette, BelgiumKBO/BCE: BE 0729.735.057

The computed 12-month bankruptcy probability of CAFE RAFAEL is 8.1% (elevated). The 2024 annual accounts show equity of €55k and a net result of €21k. Equity is growing by ~47.9% per year across the filed fiscal years. Its solvency ranks better than 93% of 18938 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

83 / 100

Excellent▼ -10 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100▲+11

Solvency100=

Growth78▲+26

Stability100

Bankruptcy probability, 12 months

8.1% Elevated

0%0.5%1.5%4%10%≥ 25%

Credit up to €5k at 30 days acceptable

Liquidity ample (current ratio 5.99 against 7.48 in 2023), and 16.7% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

+raises risk○neutral

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 →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Filed more than 90 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-10-2025, 91 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

NBB · 5 filings

Deviation from the deadline

2025

not confirmed

2024

91 d late

2023

69 d late

2022

71 d late

2021

78 d late

2020

87 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€55k▲ 61.2%

2023 · €34k

2021: €7k 2022: €28k 2023: €34k

2021 → 2024

Total assets

€66k▲ 67.9%

2023 · €39k

2021: €8k 2022: €37k 2023: €39k

2021 → 2024

Net result

€21k▲ 245%

2023 · €6k

2021: €8k 2022: €21k 2023: €6k

2021 → 2024

Working capital

€55k▲ 62.9%

2023 · €34k

2021: €6k 2022: €27k 2023: €34k

2021 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2021202220232024Trend

Equity€7k-€28k▲ 319%€34k▲ 21.6%€55k▲ 61.2%

Operating result€10k-€26k▲ 158%€8k▼ 68.1%€24k▲ 192%

Net result€8k-€21k▲ 153%€6k▼ 71.7%€21k▲ 245%

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 2024; 2024 is 192% above 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €66k

99.9%

Fixed assets €94▼ 77.1%

Current assets €66k▲ 69.4%

Equity and liabilities €66k

83.3%

16.7%

Equity €55k▲ 61.2%

Debt €11k▲ 112%

The debt ratio rises from 13.2% to 16.7%: debt grows faster than equity.

Key figures and ratios

2024 value · change against 2023

EBITDA

€24k▲

2023 · €9k

Cash flow

€21k▲

2023 · €6k

Solvency

83.3%▼

2023 · 86.8%

Current ratio

5.99▼

2023 · 7.48

Quick ratio

4.31▲

2023 · 4.20

Debt / equity

0.20▲

2023 · 0.15

ROE

38.0%▲

2023 · 17.7%

ROA

31.6%▲

2023 · 15.4%

Interest coverage

-42.26▼

2023 · 7.41

Debt

€11k▲

2023 · €5k

Debt ≤ 1 year

€11k▲

2023 · €5k

Income taxes

€6k▲

2023 · €2k

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 · 2024 against 2023

Balance sheet Code20232024

Total assets 20/58€39k€66k▲

Fixed assets 21/28€409€94▼

Tangible fixed assets 22/27€409€94▼

Current assets 29/58€39k€66k▲

Stocks & contracts in progress 3€17k€19k▲

Amounts receivable within one year 40/41€14k€41k▲

Cash & bank 54/58€8k€6k▼

Total equity & liabilities 10/49€39k€66k▲

Equity 10/15€34k€55k▲

Contributions / capital 10/11€6k€6k=

Accumulated profits (losses) 14€28k€49k▲

Amounts payable 17/49€5k€11k▲

Amounts payable within one year 42/48€5k€11k▲

Trade debts payable within one year 44€2k€4k▲

Income statement Code20232024

Gross operating margin 9900€23k€43k▲

Operating result 9901€8k€24k▲

Financial income 75€708€2k▲

Financial charges 65€1k€-571▼

Result before taxes 9903€8k€27k▲

Income taxes 67/77€2k€6k▲

Net result for the period 9904€6k€21k▲

Result to be appropriated 9905€6k€21k▲

Timeline · acts, filings and financial milestones

All 13Financial 2Gazette 6Filings 5

2025

18-12

State Gazette act Director changes

v3.2

30-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 91 days late

21-10

State Gazette act Director changes

v3.2

2024

08-10

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 69 days late

2023

31-12

Financial Weakest financial yearnet €6k ▼71.7%

Net result drops to €6k, the lowest in the series; recovery starts the following year.

10-10

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 71 days late

2022

31-12

Financial Highest result since 2021net €21k ▲153%

Operating result €26k, net result €21k, both a record.

17-10

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 78 days late

2021

26-10

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 87 days late

12-04

State Gazette act Capital & shares

v3.2

2020

16-09

State Gazette act Director changes

v3.2

12-02

State Gazette act Director changes

v3.2

2019

05-07

State Gazette act Incorporation

oprichting

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

9 directors, no change since 2025

ANTOHI Emilia

Director · since 31-10-2025

Current

MALGUSHI MARKETIN

Director · since 01-04-2021

Current

Lieshi Majlinda

Director · since 10-07-2020

Current

Florentina Tene

Managing director · since 03-07-2019

Not recently confirmed

31-10-2025 ANTOHI Emilia: Appointed as Director

31-10-2025 HAMZAN Katy: Resigned as Director

01-10-2025 HAMZAN Katy: Appointed as Director

30-09-2025 IUGA Alina: Resigned as Director

30-09-2025 MELGUSHI Marketin: Resigned as Director

01-04-2021 MALGUSHI MARKETIN: Appointed as Director

4 further events in the mandate history. Available in Kantoor S. See plans →

Location & real-estate footprint

Registered office, Jette · 2 establishment units since 2020

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.

Philippe Werrieplein 15a1090 Jette

Ground area

260 m²

Building footprint

237 m²

Volume, LiDAR

4,349 m³

2 parcels, Brussels · tallest building 24.5 m, ±7 floors. Linked by address, not a title deed.

2 establishment units

CAFE RAFAEL

Philippe Werrieplein 15a, 1090 JetteCafés and bars

since 20202.299.831.002

CAFE RAFAEL

Antoine Dansaertstraat 141, 1000 BrusselCafés and bars

since 20212.315.609.734

2 parcels

Brussels 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21811M0442/00S000	Brussels	158 m²	1 · 141 m²	24.5 m · 7 fl.
21464D0077/00P006	Brussels	102 m²	1 · 96 m²	17.9 m · 6 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.

Comparable companies · same sector, comparable size

Similar companies · same sector, comparable size

THE ROADHOUSE

BE 0650.974.720

Sint-Truiden · Eq €55k

CAFE-BAR LES 24 HEURES

Sint-Pieters-Leeuw · Eq €55k

TOI TOI

BE 0632.567.088

Antwerpen · Eq €55k

Of 13,832 companies in sector 56301 we hold annual accounts for 4,437. 3,726 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded03-07-2019

Fiscal year end31-12

Activities, NACEBEL

56301Cafés and bars

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 14-07-2026. Scores and ratios are computed by Checked and are not a credit decision.