NARUMA

Active

Private limited companyfounded 20241 yr activeOnze-Lieve-Vrouwstraat 27, 8760 Tielt, BelgiumKBO/BCE: BE 1015.051.451

The computed 12-month bankruptcy probability of NARUMA is 2.4% (moderate). The 2025 annual accounts show equity of €24k and a net result of €4k. Its solvency ranks better than 56% of 13071 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

56 / 100

Fair

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

Axes

Profitability90

Solvency50

Growth-

Stability67

Bankruptcy probability, 12 months

2.4% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €2k at 30 days acceptable

Liquidity short (current ratio 0.67), and 63.1% 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

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

−lowers risk+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 →

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

36.9%

Return on assets

6.6%

Age of the figures

8 mo

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 · 1 filing

Deviation from the deadline

2025

31 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 2025, micro schema

Equity

€24k

Total assets

€66k

Net result

€4k

Working capital

€-14k

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition

Assets €66k

58.3%

41.7%

Fixed assets €39k

Current assets €28k

Equity and liabilities €66k

36.9%

63.1%

Equity €24k

Debt €42k

Debt finances 63.1% of the balance-sheet total.

Key figures and ratios

2025 value

EBITDA

€12k

Cash flow

€10k

Solvency

36.9%

Current ratio

0.67

Quick ratio

0.59

Debt / equity

1.71

ROE

17.9%

ROA

6.6%

Interest coverage

11.54

Debt

€42k

Debt ≤ 1 year

€41k

Income taxes

€461

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€66k

Fixed assets21/28€39k

Tangible fixed assets22/27€34k

Plant, machinery and equipment23€21k

Furniture and vehicles24€10k

Other tangible fixed assets26€4k

Financial fixed assets28€4k

Current assets29/58€28k

Stocks and contracts in progress3€3k

Stocks30/36€3k

Amounts receivable within one year40/41€338

Other amounts receivable41€338

Cash at bank and in hand54/58€23k

Deferred charges and accrued income490/1€777

Equity and liabilities

Total equity and liabilities10/49€66k

Equity10/15€24k

Contributions10/11€20k

Profit (loss) carried forward14€4k

Amounts payable17/49€42k

Amounts payable within one year42/48€41k

Trade debts44€3k

Suppliers440/4€3k

Advances received on contracts in progress46€224

Taxes, remuneration and social security45€3k

Taxes450/3€3k

Other amounts payable47/48€35k

Accrued charges and deferred income492/3€360

Income statement Code2025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k

Other operating charges640/8€2k

Gross operating margin9900€13k

Operating profit (loss)9901€6k

Financial income75/76B€49

Recurring financial income75€49

Financial charges65/66B€1k

Recurring financial charges65€1k

Profit (loss) for the period before taxes9903€5k

Income taxes67/77€461

Profit (loss) for the period9904€4k

Profit (loss) for the period to be appropriated9905€4k

Appropriation of the result

Profit (loss) to be appropriated9906€4k

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2026

31-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 31 days late

NBB filing

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, Tielt · 1 establishment unit since 2024

establishment The establishment unit on the map

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.

Onze-Lieve-Vrouwstraat 278760 Tielt

Ground area

493 m²

Building footprint

240 m²

Volume, LiDAR

1,365 m³

2 parcels, Flanders · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

NARUMA

Meulebeke Plaats 21, 8760 TieltFull-service restaurants

since 20242.366.861.267

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
37007E0263/00S005	Flanders	326 m²	1 · 121 m²	10.0 m · 1 fl.
37322C0087/00Y000	Flanders	167 m²	1 · 119 m²	10.5 m · 3 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.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Tielt2.366.861.267

1 permission

Toelating · Eetgelegenheid · since 01-01-2025

Similar companies · same sector, comparable size

KAIJU

BE 0793.141.779

Sint-Gillis (bij-Brussel) · Eq €24k

Of 20,232 companies in sector 56111 we hold annual accounts for 11,312. 9,024 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded14-10-2024

Fiscal year end31-12

Activities, NACEBEL

56101Full-service restaurants

56111Full-service restaurants

10850Manufacture of food products

56102Limited-service restaurants

56112Limited-service restaurants, excluding mobile food services

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress 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.