BANAI
ActiveThe computed 12-month bankruptcy probability of BANAI is 1.6% (moderate). The 2024 annual accounts show negative equity (€-18k) and a net result of €-882. Equity is shrinking by ~33.1% per year across the filed fiscal years. Its solvency ranks better than 11% of 26043 sector peers (fiscal year 2024). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
40
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability65▲+65
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.96 against 0.79 in 2023; short-term debt: 55.4% and cash: 1.4% of total assets), and equity is negative.
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 · 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 2024Solvency, return and age of the figures
Solvency
-60.9%
Return on assets
-3%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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 · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €-18k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 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
not confirmed
2024
31 d late
2023
123 d late
2022
137 d late
2021
30 d late
2020
51 d early
2019
54 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-18k▼ 5.1%
2023 · €-17k
2018: €-9k
2019: €-2k
2020: €-5k
2021: €-8k
2022: €-6k
2023: €-17k
2018 → 2024
Total assets
€30k▲ 16.3%
2023 · €26k
2018: €2k
2019: €2k
2020: €3k
2021: €2k
2022: €29k
2023: €26k
2018 → 2024
Net result
€-882▲ 92.3%
2023 · €-11k
2018: €4k
2019: €7k
2020: €-3k
2021: €-4k
2022: €3k
2023: €-11k
2018 → 2024
Working capital
€-653▲ 85.4%
2023 · €-4k
2018: €-11k
2019: €-4k
2020: €-6k
2021: €-10k
2022: €-9k
2023: €-4k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-5k-€-8k▼ 74.4%€-6k▲ 30.3%€-17k▼ 196%€-18k▼ 5.1%
Operating result€-3k-€-3k▼ 20.7%€3k€-11k€-399▲ 96.3%
Net result€-3k-€-4k▼ 28.8%€3k€-11k€-882▲ 92.3%
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 €399 in 2024 against €11k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €30k
Fixed assets
€14k▲ 59.6%
Current assets
€16k▼ 6.1%
Key figures and ratios
EBITDA
€4k▲
2023 · €-8k
Cash flow
€3k▲
2023 · €-9k
Solvency
-60.9%▲
2023 · -67.4%
Current ratio
0.96▲
2023 · 0.79
Quick ratio
0.18▼
2023 · 0.32
Debt / equity
-2.64▼
2023 · -2.48
ROA
-3.0%▲
2023 · -44.6%
Interest coverage
22.32▲
2023 · -8.96
Debt
€48k▲
2023 · €43k
Debt ≤ 1 year
€17k▼
2023 · €21k
Debt > 1 year
€31k▲
2023 · €21k
Income taxes
€331▼
2023 · €334
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€26k€30k▲
Fixed assets21/28€9k€14k▲
Intangible fixed assets21€1k€831▼
Tangible fixed assets22/27€8k€13k▲
Plant, machinery and equipment23€2k€7k▲
Furniture and vehicles24€5k€6k▲
Current assets29/58€17k€16k▼
Stocks and contracts in progress3€10k€13k▲
Stocks30/36€10k€13k▲
Amounts receivable within one year40/41€2k€3k▲
Trade receivables40€1k€2k▲
Other amounts receivable41€70€423▲
Cash at bank and in hand54/58€5k€418▼
Equity and liabilities
Total equity and liabilities10/49€26k€30k▲
Equity10/15€-17k€-18k▼
Contributions10/11€100€100=
Profit (loss) carried forward14€-17k€-18k▼
Amounts payable17/49€43k€48k▲
Amounts payable after more than one year17€21k€31k▲
Financial debts170/4€21k€30k▲
Other amounts payable178/9-€950
Amounts payable within one year42/48€21k€17k▼
Current portion of amounts payable after more than one year42€4k€5k▲
Trade debts44€7k€7k▼
Suppliers440/4€7k€7k▼
Taxes, remuneration and social security45€517€331▼
Taxes450/3€517€331▼
Other amounts payable47/48€10k€4k▼
Accrued charges and deferred income492/3€517€586▲
Income statement
Code20232024
Non-recurring operating income76A€148-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€-6k€5k▲
Operating profit (loss)9901€-11k€-399▲
Financial income75/76B€443€16▼
Recurring financial income75€443€16▼
Financial charges65/66B€878€169▼
Recurring financial charges65€878€169▼
Profit (loss) for the period before taxes9903€-11k€-552▲
Income taxes67/77€334€331▼
Profit (loss) for the period9904€-11k€-882▲
Profit (loss) for the period to be appropriated9905€-11k€-882▲
Appropriation of the result
Profit (loss) to be appropriated9906€-17k€-18k▼
Profit (loss) brought forward from the previous period14P€-6k€-17k▼
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
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
01-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 123 days late
2023
31-12
Financial
Weakest financial yearnet €-11k ▼550%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
15-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 137 days late
2022
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 54 days late
2019
31-12
Financial
Highest result since 2018net €7k ▲56.9%
Operating result €7k, net result €7k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
27-08
NBB filing
Annual accounts filed
fiscal year 2015 · 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
2 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, Mol · 1 establishment unit since 2014
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.
Boeretang 2032400 MolGround area
3,253 m²
Building footprint
582 m²
Volume, LiDAR
4,825 m³
Parcel 13435C1462/00P017, Flanders · tallest building 16.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Banai
since 20142.229.074.153
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13435C1462/00P017 | Flanders | 3,253 m² | 1 · 582 m² | 16.0 m · 3 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 siteMol2.229.074.153
Similar companies · same sector and region
AD Mol
BE 1039.093.001
Mol
BALENS SHOP
BE 1017.561.969
Mol
BALTIKA MOL
BE 1006.486.153
Mol
BTW EENHEID AKITANIA
BE 0538.713.254
Mol
EURO SUPERMARKET
BE 1026.963.645
Mol
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 10,525 companies in sector 47110 we hold annual accounts for 5,860.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-03-2014
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47260Retail trade
47271Retail trade
47279Other retail sale of food
47291Retail trade
47299Retail trade
47750Retail sale of cosmetics and toilet articles
47783Retail trade
47784Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 10 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.