ANA & MANUEL

Active

Private limited companyfounded 201313 yrs activeVorstse Steenweg 207, 1060 Sint-Gillis (bij-Brussel), BelgiumKBO/BCE: BE 0502.598.768

The computed 12-month bankruptcy probability of ANA & MANUEL is 5.8% (elevated). The 2024 annual accounts show negative equity (€-177k) and a net result of €-57k. Equity is shrinking by ~16% per year across the filed fiscal years. Its solvency ranks better than 9% of 18942 sector peers (fiscal year 2024). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

13 / 100

Critical

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability0▼-22

Solvency0=

Growth58=

Track record100

Bankruptcy probability, 12 months

5.8% Elevated

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.42 against 0.53 in 2023; short-term debt: 229% and cash: 14.7% of total assets), and equity is negative.

How do we compute the score and the probability?

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

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 →

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 2024

Solvency, return and age of the figures

Solvency

-129%

Return on assets

-41.9%

Age of the figures

21 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Negative equity

The 2024 annual accounts show negative equity and a net loss.

NBB · annual accounts 2024

Equity per financial year

18192021222324

2018 to 2024 · latest year €-177k

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-10-2025, 90 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 filings

Deviation from the deadline

2025

not confirmed

2024

90 d late

2023

148 d late

2022

239 d late

2021

351 d late

2020

89 d late

2019

104 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 2024, micro schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€-57k▼ 604%

2023 · €-8k

2018: €-60k 2019: €3k 2020: €-35k 2021: €-20k 2022: €-2k 2023: €-8k

2018 → 2024

Working capital

€-182k▼ 66.4%

2023 · €-109k

2018: €-59k 2019: €-60k 2020: €-95k 2021: €-114k 2022: €-101k 2023: €-109k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€-89k-€-109k▼ 21.8%€-111k▼ 2.1%€-119k▼ 7.3%€-177k▼ 48.0%

Operating result€-31k-€-12k▲ 61.7%€3k€-7k€-53k▼ 634%

Net result€-35k-€-20k▲ 45.0%€-2k▲ 88.2%€-8k▼ 252%€-57k▼ 604%

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €53k in 2024 against €7k in 2023; the loss grows and 2024 has the lowest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €137k

96.1%

Fixed assets €5k▲ 10.7%

Current assets €132k▲ 5.1%

Key figures and ratios

2024 value · change against 2023

Solvency

-129.0%▼

2023 · -91.8%

Current ratio

0.42▼

2023 · 0.53

Quick ratio

0.39▼

2023 · 0.49

Debt / equity

-1.78▲

2023 · -2.09

ROA

-41.9%▼

2023 · -6.3%

Debt

€314k▲

2023 · €249k

Debt ≤ 1 year

€314k▲

2023 · €235k

Staff costs

€70k▼

2023 · €74k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€130k€137k▲

Fixed assets21/28€5k€5k▲

Financial fixed assets28€5k€5k▲

Current assets29/58€125k€132k▲

Stocks and contracts in progress3€10k€10k=

Stocks30/36€10k€10k=

Amounts receivable within one year40/41€86k€101k▲

Trade receivables40€79k€101k▲

Other amounts receivable41€7k€454▼

Cash at bank and in hand54/58€29k€20k▼

Equity and liabilities

Total equity and liabilities10/49€130k€137k▲

Equity10/15€-119k€-177k▼

Contributions10/11€19k€19k=

Reserves13€2k€2k=

Non-distributable reserves130/1€2k€2k=

Reserves not available under the articles1311€2k€2k=

Profit (loss) carried forward14€-140k€-197k▼

Amounts payable17/49€249k€314k▲

Amounts payable within one year42/48€235k€314k▲

Trade debts44€129k€167k▲

Suppliers440/4€129k€167k▲

Taxes, remuneration and social security45€41k€34k▼

Taxes450/3€5k€166▼

Remuneration and social security454/9€36k€34k▼

Other amounts payable47/48€64k€113k▲

Accrued charges and deferred income492/3€15k-

Income statement Code20232024

Remuneration, social security and pensions62€74k€70k▼

Other operating charges640/8€10k€6k▼

Gross operating margin9900€77k€23k▼

Operating profit (loss)9901€-7k€-53k▼

Financial income75/76B€348€22▼

Recurring financial income75€348€22▼

Financial charges65/66B€1k€5k▲

Recurring financial charges65€1k€5k▲

Profit (loss) for the period before taxes9903€-8k€-57k▼

Profit (loss) for the period9904€-8k€-57k▼

Profit (loss) for the period to be appropriated9905€-8k€-57k▼

Appropriation of the result

Profit (loss) to be appropriated9906€-140k€-197k▼

Profit (loss) brought forward from the previous period14P€-132k€-140k▼

The notes to these accounts (5 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 11Financial 1Filings 10

2025

29-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 90 days late

2024

26-12

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 148 days late

26-03

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 239 days late

2023

17-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 351 days late

2021

28-10

NBB filing Annual accounts filed

fiscal year 2020 · full schema · 89 days late

2020

12-11

NBB filing Annual accounts filed

fiscal year 2019 · full schema · 104 days late

2019

31-12

Financial Back to profitnet €3k

Net result €3k after one loss-making year.

14-10

NBB filing Annual accounts filed

fiscal year 2018 · full schema · 75 days late

16-04

NBB filing Annual accounts filed

fiscal year 2017 · full schema · 259 days late

2017

29-08

NBB filing Annual accounts filed

fiscal year 2016 · full schema · 29 days late

2016

11-08

NBB filing Annual accounts filed

fiscal year 2015 · full schema · 11 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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2013

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.

Vorstse Steenweg 2071060 Sint-Gillis (bij-Brussel)

Ground area

110 m²

Building footprint

112 m²

Volume, LiDAR

2,184 m³

Parcel 21562A0239/00H002, Brussels · tallest building 23.4 m, ±7 floors. Linked by address, not a title deed.

1 establishment unit

ALDEIA VELHA

Vorstse Steenweg 207, 1060 Sint-Gillis (bij-Brussel)Food and beverage service activities

since 20132.215.880.272

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21562A0239/00H002	Brussels	110 m²	1 · 112 m²	23.4 m · 7 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 site

Sint-Gillis2.215.880.272

1 permission

Toelating · Eetgelegenheid · since 04-02-2013

Similar companies · same sector, comparable size

IMAA

BE 0775.700.684

Sint-Jans-Molenbeek · Eq €4k

Braine-l'Alleud · Eq €4k

Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 4,417 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded18-01-2013

Fiscal year end31-12

Activities, NACEBEL

56102Limited-service restaurants

56112Limited-service restaurants, excluding mobile food services

Sources

Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers

Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.