BUONO
ActiveThe computed 12-month bankruptcy probability of BUONO is 1.9% (moderate). The 2025 annual accounts show equity of €399k and a net result of €86k. Equity is growing by ~20.3% per year across the filed fiscal years. Its solvency ranks better than 39% of 3663 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-6
Solvency44▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity short (current ratio 0.68 against 0.72 in 2024; short-term debt: 20.2% and cash: 5.8% of total assets), and 80.8% 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
19.2%
Return on assets
4.1%
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 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
26 d late
2023
29 d late
2022
28 d late
2021
51 d early
2020
5 d early
2019
21 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€399k▼ 7.1%
2024 · €430k
2018: €-7k
2019: €87k
2020: €261k
2021: €342k
2022: €191k
2023: €345k
2024: €430k
2018 → 2025
Total assets
€2.08M▼ 2.2%
2024 · €2.12M
2018: €1.32M
2019: €1.28M
2020: €592k
2021: €759k
2022: €2.00M
2023: €2.05M
2024: €2.12M
2018 → 2025
Net result
€86k▼ 53.7%
2024 · €185k
2018: €-31k
2019: €94k
2020: €173k
2021: €81k
2022: €-151k
2023: €254k
2024: €185k
2018 → 2025
Working capital
€-133k▼ 18.1%
2024 · €-113k
2018: €-240k
2019: €-167k
2020: €166k
2021: €327k
2022: €-207k
2023: €-146k
2024: €-113k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€342k-€191k▼ 44.1%€345k▲ 80.5%€430k▲ 24.6%€399k▼ 7.1%
Operating result€107k-€-120k€295k€267k▼ 9.6%€159k▼ 40.3%
Net result€81k-€-151k€254k€185k▼ 27.2%€86k▼ 53.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 40% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.08M
Fixed assets
€1.79M▼ 2.1%
Current assets
€286k▼ 2.5%
Equity and liabilities €2.08M
Equity
€399k▼ 7.1%
Debt
€1.68M▼ 0.9%
The debt ratio rises from 79.8% to 80.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€326k▼
2024 · €429k
Cash flow
€252k▼
2024 · €347k
Solvency
19.2%▼
2024 · 20.2%
Current ratio
0.68▼
2024 · 0.72
Quick ratio
0.52▼
2024 · 0.52
Debt / equity
4.20▲
2024 · 3.94
ROE
21.4%▼
2024 · 43.0%
ROA
4.1%▼
2024 · 8.7%
Interest coverage
10.93▼
2024 · 12.51
Debt
€1.68M▼
2024 · €1.69M
Debt ≤ 1 year
€419k▲
2024 · €406k
Debt > 1 year
€1.26M▼
2024 · €1.29M
Income taxes
€44k▼
2024 · €63k
Staff costs
€523k▲
2024 · €364k
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€2.12M€2.08M▼
Fixed assets21/28€1.83M€1.79M▼
Intangible fixed assets21€5k€2k▼
Tangible fixed assets22/27€1.81M€1.78M▼
Land and buildings22€1.62M€1.54M▼
Plant, machinery and equipment23€98k€130k▲
Furniture and vehicles24€16k€13k▼
Leasing and similar rights25€2k€741▼
Other tangible fixed assets26€72k€92k▲
Financial fixed assets28€12k€12k=
Current assets29/58€293k€286k▼
Stocks and contracts in progress3€80k€68k▼
Stocks30/36€80k€68k▼
Amounts receivable within one year40/41€24k€81k▲
Trade receivables40€12k€9k▼
Other amounts receivable41€12k€72k▲
Cash at bank and in hand54/58€182k€119k▼
Deferred charges and accrued income490/1€7k€18k▲
Equity and liabilities
Total equity and liabilities10/49€2.12M€2.08M▼
Equity10/15€430k€399k▼
Contributions10/11€19k€19k=
Reserves13€411k€381k▼
Distributable reserves133€411k€381k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.69M€1.68M▼
Amounts payable after more than one year17€1.29M€1.26M▼
Financial debts170/4€1.21M€1.20M▼
Other amounts payable178/9€72k€60k▼
Amounts payable within one year42/48€406k€419k▲
Current portion of amounts payable after more than one year42€104k€121k▲
Financial debts43€20k€19k▼
Credit institutions430/8€20k€19k▼
Trade debts44€135k€135k▼
Suppliers440/4€135k€135k▼
Advances received on contracts in progress46€176€9k▲
Taxes, remuneration and social security45€121k€108k▼
Taxes450/3€62k€55k▼
Remuneration and social security454/9€59k€53k▼
Other amounts payable47/48€25k€26k▲
Accrued charges and deferred income492/3€968€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62€364k€523k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€162k€167k▲
Other operating charges640/8€15k€22k▲
Gross operating margin9900€808k€870k▲
Operating profit (loss)9901€267k€159k▼
Financial income75/76B€15k€624▼
Recurring financial income75€15k€624▼
Financial charges65/66B€34k€30k▼
Recurring financial charges65€34k€30k▼
Profit (loss) for the period before taxes9903€248k€130k▼
Income taxes67/77€63k€44k▼
Profit (loss) for the period9904€185k€86k▼
Profit (loss) for the period to be appropriated9905€185k€86k▼
Appropriation of the result
Profit (loss) to be appropriated9906€185k€86k▼
Transfer from equity791/2€100k€116k▲
Transfer to equity691/2€185k€86k▼
To other reserves6921€185k€86k▼
Profit to be distributed694/7€100k€116k▲
Return on contributions (dividend)694€100k€116k▲
Social balance
Average headcount (FTE)90877.07.0=
The notes to these accounts (23 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 26 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
31-12
Financial
Back to profitnet €254k
Net result €254k after one loss-making year.
31-12
Financial
Equity above €200kEq €345k ▲80.5%
Equity rises from €191k to €345k.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 28 days late
2022
31-12
Financial
Weakest financial yearnet €-151k ▼285%
Net result drops to €-151k, the lowest in the series; recovery starts the following year.
10-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Liquidity times 8current ratio 2.42
Current ratio from 0.31 to 2.42; short-term debt falls from €241k to €117k.
31-12
Financial
Equity above €200kEq €261k ▲198%
2 profitable years in a row build equity to €261k.
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 21 days late
2019
31-12
Financial
Back to profitnet €94k
Net result €94k after one loss-making year.
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
14-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Knokke-Heist · 2 establishment units since 2015
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.
Maurice Lippensplein 108300 Knokke-HeistGround area
950 m²
Building footprint
915 m²
Volume, LiDAR
14,570 m³
2 parcels, Flanders · tallest building 28.7 m, ±6 floors. Linked by address, not a title deed.
2 establishment units
Café Des Nations
since 20152.244.077.479
VO2 Max
since 20232.347.807.103
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31333H0624/00X000 | Flanders | 756 m² | 1 · 756 m² | 28.7 m · 6 fl. |
| 31333H0337/00K002 | Flanders | 194 m² | 1 · 159 m² | 11.2 m · 3 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
2 sitesKnokke-Heist2.244.077.479
Knokke-Heist2.347.807.103
Similar companies · same sector, comparable size
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STATION DE L'ORIENT
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DUMON
BE 0864.700.461
Haacht · Eq €399k
ARGENTIJNSE GRILL
BE 0436.894.136
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HOBO
BE 0416.762.973
Waregem · Eq €399k
Of 20,494 companies in sector 56111 we hold annual accounts for 11,455. 6,919 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-06-2015
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 10 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.