BARINMA

Active

Private limited companyfounded 20223 yrs activeLessensestraat 30, 9500 Geraardsbergen, BelgiumKBO/BCE: BE 0792.140.008

The computed 12-month bankruptcy probability of BARINMA is 5.0% (elevated). The 2025 annual accounts show equity of €28k and a net result of €9k. Equity is growing by ~41.8% per year across the filed fiscal years. Its solvency ranks better than 76% of 13061 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

76 / 100

Excellent▲ +7 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency74▲+4

Growth78=

Stability94

Bankruptcy probability, 12 months

5.0% Elevated

0%0.5%1.5%4%10%≥ 25%

Credit up to €2k at 30 days acceptable

Liquidity short (current ratio 0.91 against 1.0 in 2024), and 39.4% of the assets are financed with debt.

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 →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

60.6%

Return on assets

19.1%

Age of the figures

8 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-06-2026, 60 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

60 d early

2024

56 d early

2023

58 d early

← before the deadline after the deadline →

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 months

Position in the running window

14-09-2026 today31-12-2026 close31-07-2027 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 2025, micro schema

Equity

€28k▲ 46.1%

2024 · €19k

2023: €12k 2024: €19k

2023 → 2025

Total assets

€46k▲ 14.7%

2024 · €40k

2023: €33k 2024: €40k

2023 → 2025

Net result

€9k▲ 22.8%

2024 · €7k

2023: €2k 2024: €7k

2023 → 2025

Working capital

€-2k▼ 5,196%

2024 · €-32

2023: €-6k 2024: €-32

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€12k-€19k▲ 60.1%€28k▲ 46.1%

Operating result€4k-€11k▲ 159%€13k▲ 18.7%

Net result€2k-€7k▲ 266%€9k▲ 22.8%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has risen two years in a row; 2025 is 19% above 2024 and is the highest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €46k

64.2%

35.8%

Fixed assets €30k▲ 56.4%

Current assets €17k▼ 21.5%

Equity and liabilities €46k

60.6%

39.4%

Equity €28k▲ 46.1%

Debt €18k▼ 13.7%

The debt ratio falls from 52.4% to 39.4%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€18k▲

2024 · €15k

Cash flow

€14k▲

2024 · €11k

Solvency

60.6%▲

2024 · 47.6%

Current ratio

0.91▼

2024 · 1.00

Quick ratio

0.64▼

2024 · 0.69

Debt / equity

0.65▼

2024 · 1.10

ROE

31.5%▼

2024 · 37.5%

ROA

19.1%▲

2024 · 17.9%

Interest coverage

18.78▲

2024 · 9.18

Debt

€18k▼

2024 · €21k

Debt ≤ 1 year

€18k▼

2024 · €21k

Income taxes

€3k▲

2024 · €2k

Staff costs

€36k▲

2024 · €24k

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€40k€46k▲

Formation expenses20€219-

Fixed assets21/28€19k€30k▲

Intangible fixed assets21€14k€12k▼

Tangible fixed assets22/27€5k€17k▲

Plant, machinery and equipment23-€1k

Furniture and vehicles24€5k€14k▲

Other tangible fixed assets26-€2k

Financial fixed assets28€342€342=

Current assets29/58€21k€17k▼

Stocks and contracts in progress3€7k€5k▼

Stocks30/36€7k€5k▼

Amounts receivable within one year40/41€1k€2k▲

Trade receivables40€1k€123▼

Other amounts receivable41-€2k

Cash at bank and in hand54/58€13k€10k▼

Equity and liabilities

Total equity and liabilities10/49€40k€46k▲

Equity10/15€19k€28k▲

Contributions10/11€10k€10k=

Profit (loss) carried forward14€9k€18k▲

Amounts payable17/49€21k€18k▼

Amounts payable within one year42/48€21k€18k▼

Trade debts44€8k€7k▼

Suppliers440/4€8k€7k▼

Taxes, remuneration and social security45€8k€9k▲

Taxes450/3€5k€6k▲

Remuneration and social security454/9€3k€3k▼

Other amounts payable47/48€5k€2k▼

Income statement Code20242025

Remuneration, social security and pensions62€24k€36k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲

Other operating charges640/8€1k€5k▲

Gross operating margin9900€40k€58k▲

Operating profit (loss)9901€11k€13k▲

Financial charges65/66B€2k€957▼

Recurring financial charges65€2k€957▼

Profit (loss) for the period before taxes9903€9k€12k▲

Income taxes67/77€2k€3k▲

Profit (loss) for the period9904€7k€9k▲

Profit (loss) for the period to be appropriated9905€7k€9k▲

Appropriation of the result

Profit (loss) to be appropriated9906€9k€18k▲

Profit (loss) brought forward from the previous period14P€2k€9k▲

The notes to these accounts (11 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 4Financial 1Filings 3

Next filing, fiscal year 2026, expected by 31-07-2027

2026

01-06

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Highest result since 2023net €9k ▲22.8%

Operating result €13k, net result €9k, both a record.

05-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

03-06

NBB filing Annual accounts filed

fiscal year 2023 · 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, Geraardsbergen · 2 establishment units since 2022

establishment All 2 establishment units 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.

Lessensestraat 309500 Geraardsbergen

Ground area

334 m²

Building footprint

249 m²

Volume, LiDAR

2,441 m³

2 parcels, Flanders · tallest building 16.4 m, ±5 floors. Linked by address, not a title deed.

2 establishment units

TORONTO PIZZA & BURGER

Lessensestraat 30, 9500 GeraardsbergenFull-service restaurants

since 20222.336.379.018

ROYAL BARBER

Grotestraat 5, 9500 GeraardsbergenRetail sale of cosmetics and toilet articles

since 20252.377.294.608

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
41018A0584/00C000	Flanders	266 m²	1 · 199 m²	16.4 m · 2 fl.
41018A0479/00E000	Flanders	68 m²	1 · 50 m²	16.0 m · 5 fl.

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.

Public money · subsidies and aid

Flemish government

2025 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid

Year	Entries	awarded	paid
2025	1	2,000 EUR	2,000 EUR

Schemes

Hinderpremie bij openbare werken

1 entry · 2,000 EUR · 2,000 EUR paid · Fonds voor Innoveren en Ondernemen

Recognitions · licences · registrations

Food safety, FASFC

1 site

Geraardsbergen2.336.379.018

1 permission

Toelating · Eetgelegenheid · since 21-10-2022

Similar companies · same sector, comparable size

Of 20,234 companies in sector 56111 we hold annual accounts for 11,312. 9,243 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded06-10-2022

Fiscal year end31-12

Activities, NACEBEL

56101Full-service restaurants

56111Full-service restaurants

56112Limited-service restaurants, excluding mobile food services

47750Retail sale of cosmetics and toilet articles

56102Limited-service restaurants

96210Hairdressing and barber services

96220Beauty care and other beauty treatments

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.