NEAM
ActiveThe computed 12-month bankruptcy probability of NEAM is 1.9% (moderate). The 2025 annual accounts show negative equity (€-14k) and a net result of €-11k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 16% of 13270 sector peers (fiscal year 2025). The company has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
31
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency0▼-19
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.71 against 0.92 in 2024; short-term debt: 130.2% and cash: 41.4% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven 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 · 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
-38.9%
Return on assets
-30.6%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-14k
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
1 d early
2023
55 d late
2022
24 d late
2021
16 d late
2020
23 d late
2019
28 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-14k▼ 371%
2024 · €-3k
2018: €12k
2019: €8k
2020: €-8k
2021: €-7k
2022: €-23k
2023: €-36k
2024: €-3k
2018 → 2025
Total assets
€37k▼ 26.5%
2024 · €50k
2018: €61k
2019: €48k
2020: €33k
2021: €47k
2022: €38k
2023: €32k
2024: €50k
2018 → 2025
Net result
€-11k
2024 · €33k
2018: €-4k
2019: €-5k
2020: €-15k
2021: €196
2022: €-16k
2023: €-13k
2024: €33k
2018 → 2025
Working capital
€-14k▼ 250%
2024 · €-4k
2018: €10k
2019: €6k
2020: €-3k
2021: €-4k
2022: €-27k
2023: €-40k
2024: €-4k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-7k-€-23k▼ 214%€-36k▼ 57.7%€-3k▲ 91.6%€-14k▼ 371%
Operating result€977-€-15k€-12k▲ 18.0%€33k€-11k
Net result€196-€-16k€-13k▲ 15.3%€33k€-11k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €11k after €33k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €37k
Fixed assets
€3k▼ 11.6%
Current assets
€34k▼ 27.4%
Key figures and ratios
EBITDA
€-11k▼
2024 · €34k
Cash flow
€-11k▼
2024 · €34k
Solvency
-38.9%▼
2024 · -6.1%
Current ratio
0.71▼
2024 · 0.92
Quick ratio
0.42▼
2024 · 0.75
Debt / equity
-3.57▲
2024 · -17.48
ROA
-30.6%▼
2024 · 66.0%
Interest coverage
-97.45▼
2024 · 135.99
Debt
€51k▼
2024 · €53k
Debt ≤ 1 year
€48k▼
2024 · €51k
Income taxes
€242▲
2024 · €238
Staff costs
€151k▲
2024 · €116k
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€50k€37k▼
Fixed assets21/28€3k€3k▼
Tangible fixed assets22/27€3k€2k▼
Furniture and vehicles24€3k€2k▼
Financial fixed assets28€524€524=
Current assets29/58€47k€34k▼
Stocks and contracts in progress3€9k€14k▲
Stocks30/36€9k€14k▲
Amounts receivable within one year40/41€15k€4k▼
Trade receivables40€8k€2k▼
Other amounts receivable41€7k€2k▼
Cash at bank and in hand54/58€21k€15k▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€50k€37k▼
Equity10/15€-3k€-14k▼
Contributions10/11€25k€25k=
Profit (loss) carried forward14€-28k€-39k▼
Amounts payable17/49€53k€51k▼
Amounts payable within one year42/48€51k€48k▼
Current portion of amounts payable after more than one year42€2k€2k=
Trade debts44€29k€17k▼
Suppliers440/4€29k€17k▼
Taxes, remuneration and social security45€14k€26k▲
Taxes450/3€1k€7k▲
Remuneration and social security454/9€12k€18k▲
Other amounts payable47/48€7k€4k▼
Accrued charges and deferred income492/3€2k€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62€116k€151k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€363€363=
Other operating charges640/8€3k€4k▲
Gross operating margin9900€153k€144k▼
Operating profit (loss)9901€33k€-11k▼
Financial income75/76B€300€47▼
Recurring financial income75€300€47▼
Financial charges65/66B€248€110▼
Recurring financial charges65€248€110▼
Profit (loss) for the period before taxes9903€33k€-11k▼
Income taxes67/77€238€242▲
Profit (loss) for the period9904€33k€-11k▼
Profit (loss) for the period to be appropriated9905€33k€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-28k€-39k▼
Profit (loss) brought forward from the previous period14P€-61k€-28k▲
The notes to these accounts (9 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €33k
Net result €33k after 2 loss-making years.
24-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 55 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Weakest financial yearnet €-16k ▼8084%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
31-12
Financial
Back to profitnet €196
Net result €196 after 3 loss-making years.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 21 days late
2017
15-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 15 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Leuven · 1 establishment unit since 1994
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.
Diestsesteenweg 3003010 LeuvenGround area
1,518 m²
Building footprint
457 m²
Volume, LiDAR
1,901 m³
Parcel 24483E0085/00X005, Flanders · tallest building 15.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
PAVILJOEN
since 19942.069.538.352
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24483E0085/00X005 | Flanders | 1,518 m² | 1 · 457 m² | 15.6 m · 1 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 siteLeuven2.069.538.352
Similar companies · same sector, comparable size
BRIBOS
BE 0464.197.557
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BE 0748.471.992
Brasschaat · Eq €8k
Vjena
BE 0648.816.271
Brussel · Eq €8k
ARKAGA GAMING
BE 0757.809.431
Zelzate · Eq €8k
L'Union Haccourtoise
BE 0403.927.497
Oupeye · Eq €8k
Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 3,242 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded19-12-1994
Fiscal year end31-12
Activities, NACEBEL
55301
55401
56101Full-service restaurants
56111Full-service restaurants
56301Cafés and bars
55302
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 31 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.