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BN

Active
Private limited companyfounded 20241 yr activeStationsplein(HOM) 6, 2811 Mechelen, BelgiumKBO/BCE: BE 1017.199.309
Summary

The computed 12-month bankruptcy probability of BN is 3.5% (moderate). The 2025 annual accounts show equity of €326 and a net result of -€2,174. Its solvency ranks better than 27% of 13604 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability0
Solvency28
Growth-
Track record67
Bankruptcy probability, 12 months
3.5% Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.73; short-term debt: 97.4% and cash: 61.3% of total assets), and 97.4% of the assets are financed with debt.
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Signals

Four 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
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
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 2025
Solvency, return and age of the figures
Solvency
2.6%
Return on assets
-17.2%
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 28-08-2026, 28 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 · 1 filing
Deviation from the deadline
2025
28 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · 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

History

On 11 December 2024, BN was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€326
Total assets
€12,631
Net result
-€2,174
Working capital
-€3,298

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

Balance-sheet composition
Assets €12,631
Fixed assets €3,624
Current assets €9,007
Equity and liabilities €12,631
Equity €326
Debt €12,304
Debt finances 97.4% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
-€1,720
Cash flow
-€1,765
Current ratio
0.73
ROA
-17.2%
Interest coverage
-38.23
Debt ≤ 1 year
€12,304
Equity ratios withheld: equity of €326 is too small for a meaningful ratio.

Peer companies

Historical observation

Of the 167 companies that looked in July 2024 the way this one looks now, 3.6% went bankrupt within 24 months and 89% are still going.

  • Micro
  • under 2 years old
  • solvency under 10%
  • a loss of 10% of the balance sheet or more
3.6% went bankrupt
6.6% stopped otherwise
89% still going

A further 0.6% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 3.5% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 167 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 28 lines
Balance sheet Code2025
Assets
Total assets20/58€12,631
Fixed assets21/28€3,624
Tangible fixed assets22/27€1,157
Plant, machinery and equipment23€1,157
Financial fixed assets28€2,467
Current assets29/58€9,007
Amounts receivable within one year40/41€1,265
Other amounts receivable41€1,265
Cash at bank and in hand54/58€7,741
Equity and liabilities
Total equity and liabilities10/49€12,631
Equity10/15€326
Contributions10/11€2,500
Profit (loss) carried forward14-€2,174
Amounts payable17/49€12,304
Amounts payable within one year42/48€12,304
Trade debts44€2,304
Suppliers440/4€2,304
Other amounts payable47/48€10,000
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€409
Other operating charges640/8€120
Gross operating margin9900-€1,600
Operating profit (loss)9901-€2,129
Financial charges65/66B€45
Recurring financial charges65€45
Profit (loss) for the period before taxes9903-€2,174
Profit (loss) for the period9904-€2,174
Profit (loss) for the period to be appropriated9905-€2,174
Appropriation of the result
Profit (loss) to be appropriated9906-€2,174

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€409
Other operating charges640/8€120
Gross operating margin9900-€1,600
Operating profit (loss)9901-€2,129
Financial charges65/66B€45
Recurring financial charges65€45
Profit (loss) for the period before taxes9903-€2,174
Profit (loss) for the period9904-€2,174
Profit (loss) for the period to be appropriated9905-€2,174
Line2025
Assets
Total assets20/58€12,631
Fixed assets21/28€3,624
Tangible fixed assets22/27€1,157
Plant, machinery and equipment23€1,157
Financial fixed assets28€2,467
Current assets29/58€9,007
Amounts receivable within one year40/41€1,265
Other amounts receivable41€1,265
Cash at bank and in hand54/58€7,741
Equity and liabilities
Total equity and liabilities10/49€12,631
Equity10/15€326
Contributions10/11€2,500
Profit (loss) carried forward14-€2,174
Amounts payable17/49€12,304
Amounts payable within one year42/48€12,304
Trade debts44€2,304
Suppliers440/4€2,304
Other amounts payable47/48€10,000
Line2025
Profit (loss) for the period9904-€2,174
+ Depreciation and write-downs630€409
Operating cash flow (approximation)-€1,765

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
28-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is 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, Mechelen · 1 establishment unit since 2024
seat establishment approximate The establishment unit on the map
Ground area
851 m²
Building footprint
245 m²
Volume, LiDAR
1,059 m³
Parcel 12016A0152/00Y003, Flanders · tallest building 8.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BN
Stationsplein(HOM) 6, 2811 MechelenFood and beverage service activities
since 20242.367.483.156
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
12016A0152/00Y003 Flanders 851 m² 1 · 245 m² 8.6 m · 1 fl.
Linked by address, not proof of ownership
Good to know
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 site
Mechelen2.367.483.156
1 permission
Toelating · Traiteur · since 07-01-2025

Similar companies · same sector, comparable size

Of 21,853 companies in sector 56112 we hold annual accounts for 9,777. 699 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded11-12-2024
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
E-invoicing
Reachable via Peppol
Peppol ID 0208:1017199309
Also 9925:BE1017199309
Registered 06-05-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.