NEBO
ActiveSummary
The computed 12-month bankruptcy probability of NEBO is 3.8% (moderate). The 2025 annual accounts show equity of €139k and a net result of €-17k. Equity is growing by ~21.5% per year across the filed fiscal years. Its solvency ranks better than 41% of 3674 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▼-4
Solvency46=
Growth78=
Track record100
Bankruptcy probability, 12 months
3.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.07 against 1.14 in 2024; short-term debt: 29.1% and cash: 3.7% of total assets), and 79.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 6 filingsDeviation from the deadline
2025
27 d late
2024
1 d early
2023
1 d early
2022
29 d late
2021
3 d early
2020
27 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€139k▼ 10.7%
2024 · €156k
2020: €-6k
2021: €56k
2022: €130k
2023: €150k
2024: €156k
2020 → 2025
Total assets
€671k▼ 7.6%
2024 · €726k
2020: €362k
2021: €518k
2022: €554k
2023: €620k
2024: €726k
2020 → 2025
Net result
€-17k
2024 · €6k
2020: €-56k
2021: €62k
2022: €74k
2023: €19k
2024: €6k
2020 → 2025
Working capital
€14k▼ 38.2%
2024 · €23k
2020: €941
2021: €16k
2022: €81k
2023: €68k
2024: €23k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€56k-€130k▲ 131%€150k▲ 14.9%€156k▲ 4.1%€139k▼ 10.7%
Operating result€82k-€81k▼ 0.8%€41k▼ 49.5%€36k▼ 12.8%€17k▼ 51.8%
Net result€62k-€74k▲ 19.5%€19k▼ 73.8%€6k▼ 68.1%€-17k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 52% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €671k
Fixed assets
€461k ▼ 14.9%
Current assets
€210k ▲ 14.0%
Equity and liabilities €671k
Equity
€139k ▼ 10.7%
Debt
€531k ▼ 6.7%
Debt's share of the balance-sheet total rises from 78.5% to 79.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€148k▲
2024 · €139k
Cash flow
€114k▲
2024 · €110k
Current ratio
1.07▼
2024 · 1.14
Quick ratio
0.35▼
2024 · 0.39
Debt to equity
3.81▲
2024 · 3.65
ROE
-12.0%▼
2024 · 4.0%
ROA
-2.5%▼
2024 · 0.9%
Interest coverage
5.00▲
2024 · 5.00
Debt ≤ 1 year
€195k▲
2024 · €161k
Debt > 1 year
€336k▼
2024 · €409k
Income taxes
€4k▲
2024 · €3k
Staff costs
€348k▲
2024 · €331k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€726k€671k▼
Fixed assets21/28€542k€461k▼
Tangible fixed assets22/27€542k€461k▼
Plant, machinery and equipment23€85k€79k▼
Furniture and vehicles24€46k€38k▼
Other tangible fixed assets26€411k€344k▼
Current assets29/58€184k€210k▲
Stocks and contracts in progress3€121k€142k▲
Stocks30/36€121k€142k▲
Amounts receivable within one year40/41€42k€42k▲
Trade receivables40€25k€1k▼
Other amounts receivable41€17k€41k▲
Cash at bank and in hand54/58€20k€25k▲
Equity and liabilities
Total equity and liabilities10/49€726k€671k▼
Equity10/15€156k€139k▼
Contributions10/11€50k€50k=
Reserves13€30k€30k=
Distributable reserves133€30k€30k=
Profit (loss) carried forward14€76k€59k▼
Amounts payable17/49€570k€531k▼
Amounts payable after more than one year17€409k€336k▼
Financial debts170/4€409k€336k▼
Amounts payable within one year42/48€161k€195k▲
Current portion of amounts payable after more than one year42€75k€70k▼
Financial debts43€31k-
Credit institutions430/8€31k-
Trade debts44€16k€53k▲
Suppliers440/4€16k€53k▲
Taxes, remuneration and social security45€39k€72k▲
Taxes450/3€12k€39k▲
Remuneration and social security454/9€27k€33k▲
Income statement
Code20242025
Remuneration, social security and pensions62€331k€348k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€104k€130k▲
Other operating charges640/8€2k€4k▲
Non-recurring operating charges66A€7k-
Gross operating margin9900€479k€500k▲
Operating profit (loss)9901€36k€17k▼
Financial income75/76B€886€1▼
Recurring financial income75€886€1▼
Financial charges65/66B€28k€30k▲
Recurring financial charges65€28k€30k▲
Profit (loss) for the period before taxes9903€9k€-12k▼
Income taxes67/77€3k€4k▲
Profit (loss) for the period9904€6k€-17k▼
Profit (loss) for the period to be appropriated9905€6k€-17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€76k€59k▼
Profit (loss) brought forward from the previous period14P€70k€76k▲
Social balance
Average headcount (FTE)90878.46.7▼
The notes to these accounts (13 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €150kEq €156k ▲4.1%
4 profitable years in a row build equity to €156k.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 29 days late
2022
31-12
Financial
Highest result since 2020net €74k ▲19.5%
Net result €74k, the highest in the series.
31-12
Financial
Equity above €100kEq €130k ▲131%
2 profitable years in a row build equity to €130k.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €62k
Net result €62k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Antwerpen · 1 establishment unit 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.
Michel De Braeystraat 51 E2000 AntwerpenGround area
8,183 m²
Building footprint
1,836 m²
Parcel 11811L3991/00A000, Flanders. Linked by address, not a title deed.
1 establishment unit
NEBO
since 20202.305.091.073
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11811L3991/00A000 | Flanders | 8,183 m² | 1 · 1,836 m² | - |
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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 1,150 EUR awarded · 570 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 460 EUR | 570 EUR |
| 2023 | 1 | 690 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.305.091.073
Similar companies · same sector, comparable size
La Fille d'Oscar
BE 0463.669.601
Herk-de-Stad · Eq €139,256
ALFA NATUREL PRODUCT
BE 0792.653.811
Roeselare · Eq €139,282
Le Bastion
BE 0825.689.041
Couvin · Eq €139,199
San Daniele
BE 0451.529.060
Dilbeek · Eq €139,164
VICTORY
BE 0420.383.350
Blankenberge · Eq €139,381
Of 20,493 companies in sector 56111 we hold annual accounts for 11,461. 9,165 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-06-2020
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.