BANDEJA
ActiveThe computed 12-month bankruptcy probability of BANDEJA is 2.9% (moderate). The 2025 annual accounts show equity of €80k and a net result of €5k. Equity is growing by ~19.3% per year across the filed fiscal years. Its solvency ranks better than 77% of 13090 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-10
Solvency87▲+11
Growth78=
Track record100
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.52 against 2.04 in 2024; short-term debt: 33.9% and cash: 26.7% of total assets), and 37.9% 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 →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
62.1%
Return on assets
3.9%
Age of the figures
9 mo
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 · 7 filingsDeviation from the deadline
2025
27 d late
2024
on the day
2023
27 d late
2022
21 d late
2021
153 d late
2020
153 d late
2019
210 d late
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€80k▲ 6.8%
2024 · €75k
2019: €20k
2020: €44k
2021: €46k
2022: €49k
2023: €58k
2024: €75k
2019 → 2025
Total assets
€129k▼ 11.5%
2024 · €146k
2019: €147k
2020: €105k
2021: €150k
2022: €131k
2023: €131k
2024: €146k
2019 → 2025
Net result
€5k▼ 70.6%
2024 · €17k
2019: €3k
2020: €26k
2021: €2k
2022: €3k
2023: €9k
2024: €17k
2019 → 2025
Working capital
€66k▲ 7.9%
2024 · €62k
2019: €21k
2020: €45k
2021: €40k
2022: €27k
2023: €40k
2024: €62k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€46k-€49k▲ 6.5%€58k▲ 17.8%€75k▲ 30.0%€80k▲ 6.8%
Operating result€3k-€4k▲ 38.1%€10k▲ 188%€27k▲ 171%€12k▼ 57.2%
Net result€2k-€3k▲ 51.4%€9k▲ 191%€17k▲ 98.6%€5k▼ 70.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 57% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €129k
Fixed assets
€19k▼ 25.5%
Current assets
€110k▼ 8.5%
Equity and liabilities €129k
Equity
€80k▲ 6.8%
Debt
€49k▼ 30.8%
The debt ratio falls from 48.6% to 37.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€21k▼
2024 · €35k
Cash flow
€14k▼
2024 · €25k
Solvency
62.1%▲
2024 · 51.4%
Current ratio
2.52▲
2024 · 2.04
Quick ratio
2.12▲
2024 · 1.87
Debt / equity
0.61▼
2024 · 0.94
ROE
6.3%▼
2024 · 23.0%
ROA
3.9%▼
2024 · 11.9%
Interest coverage
18.68▼
2024 · 53.22
Debt
€49k▼
2024 · €71k
Debt ≤ 1 year
€44k▼
2024 · €59k
Debt > 1 year
€5k▼
2024 · €12k
Income taxes
€6k▼
2024 · €9k
Staff costs
€68k▲
2024 · €54k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€146k€129k▼
Fixed assets21/28€26k€19k▼
Tangible fixed assets22/27€26k€19k▼
Plant, machinery and equipment23€21k€14k▼
Furniture and vehicles24€5k€5k▲
Current assets29/58€121k€110k▼
Stocks and contracts in progress3€10k€17k▲
Stocks30/36€10k€17k▲
Amounts receivable within one year40/41€50k€36k▼
Trade receivables40€48k€36k▼
Other amounts receivable41€2k€554▼
Cash at bank and in hand54/58€60k€34k▼
Deferred charges and accrued income490/1-€22k
Equity and liabilities
Total equity and liabilities10/49€146k€129k▼
Equity10/15€75k€80k▲
Contributions10/11€19k€19k=
Reserves13€57k€62k▲
Distributable reserves133€57k€62k▲
Amounts payable17/49€71k€49k▼
Amounts payable after more than one year17€12k€5k▼
Financial debts170/4€12k€5k▼
Amounts payable within one year42/48€59k€44k▼
Current portion of amounts payable after more than one year42€16k€12k▼
Trade debts44€7k€13k▲
Suppliers440/4€7k€13k▲
Taxes, remuneration and social security45€6k€4k▼
Taxes450/3€2k€690▼
Remuneration and social security454/9€4k€3k▼
Other amounts payable47/48€29k€15k▼
Income statement
Code20242025
Remuneration, social security and pensions62€54k€68k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€91k€91k▲
Operating profit (loss)9901€27k€12k▼
Financial income75/76B€53-
Recurring financial income75€53-
Financial charges65/66B€667€1k▲
Recurring financial charges65€667€1k▲
Profit (loss) for the period before taxes9903€27k€11k▼
Income taxes67/77€9k€6k▼
Profit (loss) for the period9904€17k€5k▼
Profit (loss) for the period to be appropriated9905€17k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€17k€5k▼
Transfer to equity691/2€17k€5k▼
To other reserves6921€17k€5k▼
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
31-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 153 days late
2021
31-12
Financial
Weakest financial yearnet €2k ▼92.3%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
31-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 153 days late
26-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 210 days late
2020
31-12
Financial
Highest result since 2019net €26k ▲787%
Operating result €32k, net result €26k, both a record.
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, Brugge · 1 establishment unit since 2018
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.
Geralaan 518310 BruggeGround area
5,165 m²
Building footprint
256 m²
Parcel 31029C0587/00Y000, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
1 establishment unit
BANDEJA
since 20182.279.712.905
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31029C0587/00Y000 | Flanders | 5,165 m² | 1 · 256 m² | 0.1 m |
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 siteBrugge2.279.712.905
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Of 21,908 companies in sector 56112 we hold annual accounts for 9,783. 8,039 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-09-2018
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.