BE WITH YOU
ActiveThe computed 12-month bankruptcy probability of BE WITH YOU is 2.9% (moderate). The 2025 annual accounts show equity of €23k and a net result of €13k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 83% of 13159 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency94▲+21
Growth58=
Track record100
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 3.24 against 1.91 in 2024; short-term debt: 30.8% and cash: 88.8% of total assets), and 30.8% 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 →
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
69.2%
Return on assets
38.9%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-05-2026, 79 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
79 d early
2024
27 d late
2023
37 d early
2022
125 d early
2021
34 d early
2020
39 d late
2019
49 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€23k▲ 83.4%
2024 · €13k
2018: €24k
2019: €33k
2020: €19k
2021: €13k
2022: €4k
2023: €-831
2024: €13k
2018 → 2025
Total assets
€34k▲ 26.3%
2024 · €27k
2018: €50k
2019: €53k
2020: €32k
2021: €33k
2022: €19k
2023: €15k
2024: €27k
2018 → 2025
Net result
€13k▼ 3.2%
2024 · €14k
2018: €4k
2019: €9k
2020: €-14k
2021: €-6k
2022: €-10k
2023: €-5k
2024: €14k
2018 → 2025
Working capital
€23k▲ 83.4%
2024 · €13k
2018: €24k
2019: €33k
2020: €19k
2021: €13k
2022: €4k
2023: €-831
2024: €13k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€4k▼ 72.4%€-831€13k€23k▲ 83.4%
Operating result€-5k-€-10k▼ 74.7%€-4k▲ 58.2%€14k€13k▼ 3.2%
Net result€-6k-€-10k▼ 73.7%€-5k▲ 53.3%€14k€13k▼ 3.2%
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 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €34k
Equity
€23k▲ 83.4%
Debt
€10k▼ 25.7%
The debt ratio falls from 52.4% to 30.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
69.2%▲
2024 · 47.6%
Current ratio
3.24▲
2024 · 1.91
Quick ratio
3.24▲
2024 · 1.91
Debt / equity
0.45▼
2024 · 1.10
ROE
56.2%▼
2024 · 106.5%
ROA
38.9%▼
2024 · 50.7%
Debt
€10k▼
2024 · €14k
Debt ≤ 1 year
€10k▼
2024 · €14k
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€27k€34k▲
Current assets29/58€27k€34k▲
Amounts receivable within one year40/41€3k€3k▼
Other amounts receivable41€3k€3k▼
Cash at bank and in hand54/58€23k€30k▲
Deferred charges and accrued income490/1€713€725▲
Equity and liabilities
Total equity and liabilities10/49€27k€34k▲
Equity10/15€13k€23k▲
Contributions10/11€20k€20k=
Reserves13€220€220=
Non-distributable reserves130/1€220€220=
Reserves not available under the articles1311€220€220=
Profit (loss) carried forward14€-8k€3k▲
Amounts payable17/49€14k€10k▼
Amounts payable within one year42/48€14k€10k▼
Trade debts44€12k€9k▼
Suppliers440/4€12k€9k▼
Taxes, remuneration and social security45€2k€2k=
Remuneration and social security454/9€2k€2k=
Income statement
Code20242025
Other operating charges640/8€23k€23k▲
Gross operating margin9900€36k€37k▲
Operating profit (loss)9901€14k€13k▼
Financial charges65/66B€189€182▼
Recurring financial charges65€189€182▼
Profit (loss) for the period before taxes9903€14k€13k▼
Profit (loss) for the period9904€14k€13k▼
Profit (loss) for the period to be appropriated9905€14k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€3k▲
Profit (loss) brought forward from the previous period14P€-21k€-10k▲
The notes to these accounts (3 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
20-08
State Gazette act
Legal-form change · Resignations & appointmentsGeneral meeting · Statutes amendment · Reserve release13 facts ▸
State Gazette act
Legal-form change · Resignations & appointments
General meeting · Statutes amendment · Reserve release13 facts ▸
- General meeting, 14/08/2026
- Statutes amendment
- Statutes amendment
- Reserve release, Transformation du compte de capitaux propres statutairement indisponible en compte de capitaux propres disponibles
- Capital
- Statutes amendment
- Corporate purpose, L'installation, l'exploitation et la gestion en matière d'hôtellerie, bar, débits de boissons, café, taverne, clubs privé, salon de massages, cabaret, salons de…
- Director resignation, VAN EETVELDE Viviana Barbara (gérante)
- Director resignation, MARIAVELLE Michel (gérant)
- Director appointment, MARIAVELLE Michel (administrateur unique non statutaire)
- Permanent representative, MARIAVELLE Michel
- Mandate compensation, MARIAVELLE Michel
- +1 further facts in this act
13-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Back to profitnet €14k
Net result €14k after 4 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 1.91
Current ratio from 0.95 to 1.91; short-term debt falls from €16k to €14k.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 39 days late
2020
31-12
Financial
Weakest financial yearnet €-14k ▼258%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 49 days late
2019
04-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 35 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2026
MARIAVELLE Michel
CurrentAdministrateur unique non statutaire · since 20-08-2026
20-08-2026
MARIAVELLE Michel: Appointed as Administrateur unique non statutaire
20-08-2026
MARIAVELLE Michel: Resigned as Gérant
20-08-2026
VAN EETVELDE Viviana Barbara: Resigned as Gérante
Location & real-estate footprint
Registered office, Anderlecht · 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.
Bergense Steenweg 12291070 AnderlechtGround area
245 m²
Building footprint
212 m²
Volume, LiDAR
1,734 m³
2 parcels, Brussels · tallest building 16.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
LE RELAX
since 20182.268.764.573
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21308H0686/00P003 | Brussels | 189 m² | 1 · 169 m² | 13.4 m · 1 fl. |
| 21908E0021/00P004 | Brussels | 56 m² | 1 · 43 m² | 16.0 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSchaarbeek2.268.764.573
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Of 14,028 companies in sector 56301 we hold annual accounts for 4,894. 4,039 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-10-2017
Fiscal year end31-12
Activities, NACEBEL
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.