BANGANI
ActiveThe computed 12-month bankruptcy probability of BANGANI is 4.4% (elevated). The annual accounts of BANGANI for fiscal year 2025 show a net loss of 131% of total assets and of 69% of the equity at the start of that year. The 2025 annual accounts show equity of €33k and a net result of €-71k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 75% of 13270 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
46
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-94
Solvency85▼-7
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
4.4%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.06 against 2.66 in 2024; short-term debt: 39.9% and cash: 25.4% of total assets), and 40% 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.
+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
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
60%
Return on assets
-130.8%
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 · 6 filingsDeviation from the deadline
2025
27 d late
2024
20 d late
2023
57 d late
2022
31 d late
2021
2 d early
2020
17 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€33k▼ 68.5%
2024 · €104k
2020: €20k
2021: €52k
2022: €96k
2023: €68k
2024: €104k
2020 → 2025
Total assets
€54k▼ 64.7%
2024 · €154k
2020: €81k
2021: €112k
2022: €145k
2023: €194k
2024: €154k
2020 → 2025
Net result
€-71k
2024 · €31k
2020: €18k
2021: €31k
2022: €44k
2023: €31k
2024: €31k
2020 → 2025
Working capital
€1k▼ 98.4%
2024 · €78k
2020: €11k
2021: €20k
2022: €71k
2023: €31k
2024: €78k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€52k-€96k▲ 85.2%€68k▼ 28.6%€104k▲ 51.1%€33k▼ 68.5%
Operating result€34k-€52k▲ 54.4%€42k▼ 20.3%€43k▲ 2.4%€-72k
Net result€31k-€44k▲ 40.6%€31k▼ 29.0%€31k▼ 1.5%€-71k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €72k after €43k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €54k
Fixed assets
€31k▲ 9.6%
Current assets
€23k▼ 81.6%
Equity and liabilities €54k
Equity
€33k▼ 68.5%
Debt
€22k▼ 56.6%
The debt ratio rises from 32.6% to 40.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-62k▼
2024 · €55k
Cash flow
€-62k▼
2024 · €43k
Solvency
60.0%▼
2024 · 67.4%
Current ratio
1.06▼
2024 · 2.66
Quick ratio
1.06▼
2024 · 2.23
Debt / equity
0.67▲
2024 · 0.48
ROE
-217.9%▼
2024 · 29.8%
ROA
-130.8%▼
2024 · 20.1%
Interest coverage
-59.13▼
2024 · 40.03
Debt
€22k▼
2024 · €50k
Debt ≤ 1 year
€22k▼
2024 · €47k
Staff costs
€1k▼
2024 · €37k
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€154k€54k▼
Fixed assets21/28€29k€31k▲
Tangible fixed assets22/27€29k€31k▲
Plant, machinery and equipment23€709€976▲
Furniture and vehicles24€7k€30k▲
Leasing and similar rights25€2k-
Other tangible fixed assets26€19k-
Current assets29/58€125k€23k▼
Stocks and contracts in progress3€20k-
Stocks30/36€20k-
Amounts receivable within one year40/41€19k€8k▼
Trade receivables40€16k€2k▼
Other amounts receivable41€4k€6k▲
Cash at bank and in hand54/58€76k€14k▼
Deferred charges and accrued income490/1€9k€840▼
Equity and liabilities
Total equity and liabilities10/49€154k€54k▼
Equity10/15€104k€33k▼
Contributions10/11€2k€2k=
Reserves13€102k€31k▼
Distributable reserves133€102k€31k▼
Amounts payable17/49€50k€22k▼
Amounts payable after more than one year17€3k-
Financial debts170/4€3k-
Amounts payable within one year42/48€47k€22k▼
Current portion of amounts payable after more than one year42€3k-
Financial debts43€3k-
Credit institutions430/8€3k-
Trade debts44€31k€4k▼
Suppliers440/4€31k€4k▼
Taxes, remuneration and social security45€7k€415▼
Taxes450/3€1k€415▼
Remuneration and social security454/9€6k-
Other amounts payable47/48€2k€17k▲
Accrued charges and deferred income492/3-€21
Income statement
Code20242025
Remuneration, social security and pensions62€37k€1k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€9k▼
Other operating charges640/8€2k€1k▼
Non-recurring operating charges66A-€10k
Gross operating margin9900€93k€-49k▼
Operating profit (loss)9901€43k€-72k▼
Financial income75/76B€99€2k▲
Recurring financial income75€99€2k▲
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€41k€-71k▼
Income taxes67/77€10k-
Profit (loss) for the period9904€31k€-71k▼
Profit (loss) for the period to be appropriated9905€31k€-71k▼
Appropriation of the result
Profit (loss) to be appropriated9906€31k€-71k▼
Transfer from equity791/2-€71k
Transfer to equity691/2€31k-
To other reserves6921€31k-
The notes to these accounts (6 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
31-12
Financial
Weakest financial yearnet €-71k ▼330%
Net result drops to €-71k, the lowest in the series.
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 2.66
Current ratio from 1.25 to 2.66; short-term debt falls from €122k to €47k.
31-12
Financial
Equity above €100kEq €104k ▲51.1%
5 profitable years in a row build equity to €104k.
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2020net €44k ▲40.6%
Operating result €52k, net result €44k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Herenthout · 1 establishment unit since 2019
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.
Koestraat 132270 HerenthoutGround area
395 m²
Building footprint
95 m²
Volume, LiDAR
445 m³
2 parcels, Flanders · tallest building 9.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BANGANI
since 20192.297.124.405
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13012E0270/00K005 | Flanders | 280 m² | 1 · 95 m² | 9.3 m · 1 fl. |
| 13012E0431/00R002 | Flanders | 115 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 siteHerenthout2.297.124.405
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Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 4,119 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-12-2019
Fiscal year end31-12
Activities, NACEBEL
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.