LA MALCONTENTA · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of LA MALCONTENTA is 1.4% (low). The 2024 annual accounts show equity of €349k and a net result of €60k. Equity is growing by ~14.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 5650 sector peers (fiscal year 2024). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Signals

3 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 95% of 5650 peers (2024). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2023 and 2024).

View the result trend

Growing equity

Equity grew over 2022-2024. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 18 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-06-2025, 57 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	04-06-2025	57 d early	2025-00118880
31-12-2023	31-07-2024	30-07-2024	1 d early	2024-00307155
31-12-2022	31-07-2023	21-08-2023	21 d late	2023-00342834
31-12-2021	31-07-2022	14-07-2022	17 d early	2022-20192345
31-12-2020	31-07-2021	31-08-2021	31 d late	2021-61200209
31-12-2019	31-07-2020	11-09-2020	42 d late	2020-52500573
31-12-2018	31-07-2019	23-08-2019	23 d late	2019-50200283
31-12-2017	31-07-2018	31-08-2018	31 d late	2018-58900560
31-12-2016	31-07-2017	31-08-2017	31 d late	2017-56300161
31-12-2015	31-07-2016	31-08-2016	31 d late	2016-58500546

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Established

Founded in 2012, 14 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

1.4% Low

0%0,5%1,5%4%10%≥25%

Higher-failure-rate sector +Long track record −Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€60k-21.0%

Working capital€299k+5.6%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 04-06-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~14.2%/year over 7 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 56, Food & beverage service · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	81.5%	19.3%	better than 95% of 5650 sector peers
Net result	€60k	€4k	better than 92% of 5638 sector peers
Equity	€349k	€14k	better than 95% of 5662 sector peers
Gross operating margin	€311k	€52k	better than 94% of 5624 sector peers
Staff costs	€213k	€49k	higher than 90% of 4088 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P95

Stable position over 2020-2024 · n=1436-5650

Net result P92

Stable position over 2020-2024 · n=1428-5638

Equity P95

Stable position over 2020-2024 · n=1440-5662

Gross operating margin P94

Improving position over 2020-2024 · n=1422-5624

Describes the position versus peers, not a forecast.

EBITDA

€95k

-18.2% 18-24

Net profit

€60k

-21.0% 18-24

Cash flow

€72k

-16.8% 18-24

Total assets

€428k

+7.0% 18-24

Equity

€349k

+8.6% 18-24

Working capital

€299k

+5.6% 18-24

Employees (FTE)

22

-7.3% 18-24

Staff costs

€213k

+16.8% 18-24

Show 11 other metrics

Income taxes

€23k

-22.2% 18-24

Dividends

€33k

+134.7% 18-24

Debt

€79k

+0.4% 18-24

Debt ≤ 1y

€79k

+1.2% 18-24

Current ratio

4.76

+3.3% 18-24

Quick ratio

4.57

+2.7% 18-24

Solvency

81.5%

+1.5% 18-24

Debt / equity

0.23

-7.6% 18-24

ROE

17.3%

-27.3% 18-24

ROA

14.1%

-26.2% 18-24

Interest coverage

67.61

-85.0% 18-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€95k
Net profit	€60k
Cash flow	€72k
Staff costs	€213k
Income taxes	€23k
Dividends	€33k
Total assets	€428k
Equity	€349k
Debt	€79k
of which ≤ 1y	€79k
of which > 1y	-
Working capital	€299k
Employees (FTE)	21.6

Ratios (computed)

	2024
Current ratio	4.76
Quick ratio	4.57
Working capital ratio	69.7%
Solvency	81.5%
Debt / equity	0.23
Long-term debt ratio	-
Interest coverage	67.61
Gross margin	-
Net margin	-
ROA	14.1%
ROE	17.3%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €50k · 11.7% Current assets €378k · 88.3%

Equity & liabilities

Equity €349k · 81.5% Debt €79k · 18.6%

Full annual accounts (23 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€428k
Fixed assets	21/28	€50k
Tangible fixed assets	22/27	€50k
Current assets	29/58	€378k
Stocks & contracts in progress	3	€15k
Amounts receivable within one year	40/41	€9k
Cash & bank	54/58	€349k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€428k
Equity	10/15	€349k
Contributions / capital	10/11	€10k
Reserves	13	€339k
Accumulated profits (losses)	14	€0
Amounts payable	17/49	€79k
Amounts payable within one year	42/48	€79k
Trade debts payable within one year	44	€18k
Income statement
Gross operating margin	9900	€311k
Operating result	9901	€83k
Financial income	75	€2k
Financial charges	65	€1k
Result before taxes	9903	€84k
Income taxes	67/77	€23k
Net result for the period	9904	€60k
Result to be appropriated	9905	€60k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

93 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Directors

Directors & mandates

2 directors

4 of this company's 4 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.

Former directors (2)

GEORGE Joren
Director
State Gazette act 23306749 (20-01-2023)

Former
- → 20-01-2023
MAENHOUT Rebecca
Director
State Gazette act 23306749 (20-01-2023)

Former
- → 20-01-2023

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary	Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden(56112)
Legal form	Private limited company(610)
Incorporation	19-06-2012
Status	Active
Postal code	9000

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

2 companies at this address See who is registered here

Establishment units

1 location

TAPASBAR LA MALCONTENTA

Haringsteeg 7-9, 9000 GentCafé-restaurants (tavernen)

since 20122.210.316.927

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area87 m²

Buildings1

Building footprint69 m²

Volume (LiDAR)650 m³

Tallest building12.1 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)