Active BE 0649.419.849Private limited company (pre-2019)

SBN

Rue Arthur-Hardy 68 ·1348 Ottignies-Louvain-la-Neuve, Belgium· 10 yrs active

Sector: Full-service restaurants (56111)

Conclusion Checked

The computed 12-month bankruptcy probability of SBN is 1.9% (moderate). The 2024 annual accounts show equity of €146k and a net result of €-36k. The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Key figures

Equity	€146k
Net result	€-36k
Staff (FTE)	6.5
Active	10 yrs

Financial profile 5 of 5 axes measured · computed by Checked

63 / 100

Strong profile, led by stability.

All 5 axes are computed from data Checked has read.

Health 60

Profitability 0

Solvency 96

Growth 58

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

1.9% Moderate

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Established

Founded in 2016, 10 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 Flags0 events

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.

Checked score FY 2024 · computed

60 / 100 Healthy

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.

Financial overview9 NBB filings

Annual accounts filed on 29-08-2025 with the NBB · fiscal year 2024 · micro schema

Operating resultNet result

EBITDA

€-27k

+38.4% 23-24

Net profit

€-36k

+44.0% 23-24

Cash flow

€-29k

+49.7% 23-24

Total assets

€285k

-17.1% 23-24

Equity

€146k

-19.8% 23-24

Working capital

€143k

-17.2% 23-24

Employees (FTE)

7

+4.8% 23-24

Staff costs

€228k

-4.4% 23-24

Income taxes

€712

-58.2% 23-24

Debt

€139k

-14.0% 23-24

Debt ≤ 1y

€139k

-14.0% 23-24

Current ratio

2.03

-1.9% 23-24

Quick ratio

1.99

-1.5% 23-24

Solvency

51.3%

-3.3% 23-24

Debt / equity

0.95

+7.3% 23-24

ROE

-24.8%

+30.2% 23-24

ROA

-12.7%

+32.5% 23-24

Interest coverage

-2.30

+20.7% 23-24

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro schema
Revenue	-
EBITDA	€-27k
Net profit	€-36k
Cash flow	€-29k
Staff costs	€228k
Income taxes	€712
Dividends	-
Total assets	€285k
Equity	€146k
Debt	€139k
of which ≤ 1y	€139k
of which > 1y	-
Working capital	€143k
Employees (FTE)	6.5

Ratios (computed)

	2024
Current ratio	2.03
Quick ratio	1.99
Working capital ratio	50.2%
Solvency	51.3%
Debt / equity	0.95
Long-term debt ratio	-
Interest coverage	-2.30
Gross margin	-
Net margin	-
ROA	-12.7%
ROE	-24.8%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →

Balance-sheet composition 2024

Assets

Fixed assets €3k · 1.1% Current assets €282k · 98.9%

Equity & liabilities

Equity €146k · 51.3% Debt €139k · 48.7%

Full annual accounts (24 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	€285k
Fixed assets	21/28	€3k
Tangible fixed assets	22/27	€2k
Financial fixed assets	28	€858
Current assets	29/58	€282k
Stocks & contracts in progress	3	€5k
Amounts receivable within one year	40/41	€140k
Cash & bank	54/58	€13k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€285k
Equity	10/15	€146k
Contributions / capital	10/11	€6k
Reserves	13	€85k
Accumulated profits (losses)	14	€55k
Amounts payable	17/49	€139k
Amounts payable within one year	42/48	€139k
Trade debts payable within one year	44	€46k
Income statement
Gross operating margin	9900	€202k
Operating result	9901	€-34k
Financial income	75	€10k
Financial charges	65	€12k
Result before taxes	9903	€-36k
Income taxes	67/77	€712
Net result for the period	9904	€-36k
Result to be appropriated	9905	€-36k

Legal Structure

NACE primary	Full-service restaurants(56111)
Legal form	Private limited company (pre-2019)(015)
Incorporation	26-02-2016
Status	Active
Postal code	1348

Establishment units 1 location

LE CLOCHETON

Rue Arthur-Hardy 68, 1348 Ottignies-Louvain-la-NeuveFull-service restaurants

since 20162.251.419.389

Real-estate footprint Source: CBE × cadastre

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
25384D0639/00F000	Wallonia	911 m²	1 · 754 m²	9.6 m · 2 fl.

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.

Updates 9 events

All 9 NBB filing 9

2017 2017: 1 NBB filing 2018 2018: 1 NBB filing 2019 2019: 1 NBB filing 2020 2020: 1 NBB filing 2021 2021: 1 NBB filing 2022 2022: 1 NBB filing 2023 2023: 1 NBB filing 2024 2024: 1 NBB filing 2025 2025: 1 NBB filing

2025

29-08-2025 NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-08-2024 NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

29-11-2023 NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

29-08-2022 NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

28-07-2021 NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

30-10-2020 NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2019

31-08-2019 NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

21-08-2018 NBB filing Annual accounts filed

fiscal year 2017 · micro schema

2017

31-08-2017 NBB filing Annual accounts filed

fiscal year 2016 · micro schema

Belgian State Gazette reading coverage 0 of 1 acts read

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Full-service restaurants56101Full-service restaurants56111Limited-service restaurants56102Limited-service restaurants, excluding mobile food services56112Renting and operating of own or leased non-residential real estate, excluding land68203Arts creation and performing arts activities90021Promotion and organisation of arts and performing arts events90391

Names & trade names

Legal nameFR

SBN

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