RESTAURANT CHEZ MARINKO RUPCIC
ActiveSummary
The computed 12-month bankruptcy probability of RESTAURANT CHEZ MARINKO RUPCIC is 1.8% (moderate). The 2025 annual accounts show equity of €53k and a net result of €-30k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 59% of 13305 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
37
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency66▼-14
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.47 against 2.27 in 2024; short-term debt: 52% and cash: 0.4% of total assets), and 59.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 →
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 · 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
40.9%
Return on assets
-23.4%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-30k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 10 filingsDeviation from the deadline
2025
25 d late
2024
29 d late
2023
28 d late
2022
21 d late
2021
3 d late
2020
65 d late
2019
90 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, micro schema
Equity
€53k▼ 36.4%
2024 · €84k
2018: €78k
2019: €94k
2020: €94k
2021: €142k
2022: €164k
2023: €126k
2024: €84k
2018 → 2025
Total assets
€130k▼ 14.4%
2024 · €152k
2018: €129k
2019: €163k
2020: €141k
2021: €180k
2022: €193k
2023: €193k
2024: €152k
2018 → 2025
Net result
€-30k▲ 27.7%
2024 · €-42k
2018: €131
2019: €16k
2020: €-533
2021: €48k
2022: €23k
2023: €-38k
2024: €-42k
2018 → 2025
Working capital
€32k▼ 47.2%
2024 · €61k
2018: €72k
2019: €80k
2020: €88k
2021: €132k
2022: €155k
2023: €97k
2024: €61k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€142k-€164k▲ 16.0%€126k▼ 23.5%€84k▼ 33.5%€53k▼ 36.4%
Operating result€55k-€30k▼ 45.7%€-40k€-41k▼ 2.5%€-30k▲ 26.3%
Net result€48k-€23k▼ 52.9%€-38k€-42k▼ 9.3%€-30k▲ 27.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €30k in 2025 against €41k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €130k
Fixed assets
€30k ▼ 30.2%
Current assets
€99k ▼ 8.0%
Equity and liabilities €130k
Equity
€53k ▼ 36.4%
Debt
€77k ▲ 12.5%
Debt's share of the balance-sheet total rises from 45.0% to 59.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-17k▲
2024 · €-24k
Cash flow
€-17k▲
2024 · €-25k
Current ratio
1.47▼
2024 · 2.27
Quick ratio
1.38▼
2024 · 2.04
Debt to equity
1.44▲
2024 · 0.82
ROE
-57.2%▼
2024 · -50.4%
ROA
-23.4%▲
2024 · -27.7%
Interest coverage
-3.76▲
2024 · -6.04
Debt ≤ 1 year
€67k▲
2024 · €48k
Debt > 1 year
€9k▼
2024 · €21k
Income taxes
€728▼
2024 · €3k
Staff costs
€42k▲
2024 · €40k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€152k€130k▼
Fixed assets21/28€44k€30k▼
Tangible fixed assets22/27€43k€30k▼
Plant, machinery and equipment23€452-
Furniture and vehicles24€43k€30k▼
Financial fixed assets28€200€200=
Current assets29/58€108k€99k▼
Stocks and contracts in progress3€11k€6k▼
Stocks30/36€11k€6k▼
Amounts receivable within one year40/41€94k€90k▼
Trade receivables40€12k€10k▼
Other amounts receivable41€82k€81k▼
Cash at bank and in hand54/58€161€497▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€152k€130k▼
Equity10/15€84k€53k▼
Contributions10/11€8k€8k=
Reserves13€86k€86k=
Distributable reserves133€86k€86k=
Profit (loss) carried forward14€-10k€-41k▼
Amounts payable17/49€68k€77k▲
Amounts payable after more than one year17€21k€9k▼
Financial debts170/4€21k€9k▼
Amounts payable within one year42/48€48k€67k▲
Current portion of amounts payable after more than one year42€11k€12k▲
Financial debts43€8k€1k▼
Credit institutions430/8€8k€1k▼
Trade debts44€15k€28k▲
Suppliers440/4€15k€28k▲
Taxes, remuneration and social security45€14k€26k▲
Taxes450/3€8k€17k▲
Remuneration and social security454/9€6k€9k▲
Other amounts payable47/48-€935
Accrued charges and deferred income492/3-€248
Income statement
Code20242025
Remuneration, social security and pensions62€40k€42k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€13k▼
Other operating charges640/8€12k€10k▼
Gross operating margin9900€27k€35k▲
Operating profit (loss)9901€-41k€-30k▲
Financial income75/76B€5k€5k▼
Recurring financial income75€5k€5k▼
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€-39k€-30k▲
Income taxes67/77€3k€728▼
Profit (loss) for the period9904€-42k€-30k▲
Profit (loss) for the period to be appropriated9905€-42k€-30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-10k€-41k▼
Profit (loss) brought forward from the previous period14P€32k€-10k▼
The notes to these accounts (8 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-42k
Net result drops to €-42k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
31-12
Financial
Equity above €150kEq €164k ▲16%
2 profitable years in a row build equity to €164k.
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2021
31-12
Financial
Back to profitnet €48k
Net result €48k after one loss-making year.
31-12
Financial
Equity above €100kEq €142k ▲51.3%
Equity rises from €94k to €142k.
04-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 65 days late
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 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, Liège · 1 establishment unit since 2008
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.
Rue du Vieux-Frêne 214031 LiègeGround area
1.7 ha
Building footprint
1,299 m²
Volume, LiDAR
8,546 m³
Parcel 62826C0062/00H003, Wallonia · tallest building 18.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IL CAVALIERE
since 20082.174.076.440
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62826C0062/00H003 | Wallonia | 1.7 ha | 1 · 1,299 m² | 18.4 m · 2 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 siteLiège2.174.076.440
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Of 21,888 companies in sector 56112 we hold annual accounts for 9,780. 8,366 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
Founded17-09-2008
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.