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Generated 23-07-2026
Active BE 0785.418.403Private limited company

BYNFI

Wayezstraat 109 ·1070 Anderlecht, Belgium· 4 yrs active
Sector: Food & beverage service (56112)
Conclusion Checked

The computed 12-month bankruptcy probability of BYNFI is 11.6% (high). The 2024 annual accounts show negative equity (€-49k) and a net result of €-20k. Equity is shrinking by ~55.1% per year across the filed fiscal years. Its solvency ranks better than 19% of 5589 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.
Key figures
Equity €-49k
Net result €-20k
Better than sector 19%
Active 4 yrs
Snowflake analysis 5 axes · computed by Checked
Health7Profitability100Solvency33Growth58Stability94
58 / 100

Mixed profile: strong on profitability, weaker on health.

Health 7
Profitability 100
Solvency 33
Growth 58
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
11.6% High
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector +Young company +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2024 · computed
7 / 100 Critical
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview3 NBB filings
Annual accounts filed on 29-10-2025 with the NBB · fiscal year 2024 · micro
€-30k€-20k€-10k€0Operating result 2022: €-20k€-20kNet result 2022: €-20k€-20kOperating result 2023: €-8k€-8kNet result 2023: €-11k€-11kOperating result 2024: €-15k€-15kNet result 2024: €-20k€-20k202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining Equity: declining trend of ~55.1%/year over 3 fiscal years, indicative, assuming unchanged policy.
€-125k€-100k€-75k€-50k€-25k2025: €-65k (€-69k - €-61k)2026: €-80k (€-84k - €-76k)2027: €-96k (€-100k - €-92k)2022: €-17k2023: €-29k2024: €-49k202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 56, Food & beverage service · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -30.5% 19.3%
better than 19% of 5589 sector peers
Net result €-20k €4k
better than 14% of 5579 sector peers
Equity €-49k €14k
better than 9% of 5600 sector peers
Gross operating margin €-4k €52k
better than 9% of 5565 sector peers
Total assets €160k €87k
better than 71% of 5590 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€-4k
+43.5% far below sector median
Net profit
€-20k
-77.5% far below sector median
Cash flow
€-9k
+15.1% far below sector median
Total assets
€160k
-6.4% -25% vs sector
Equity
€-49k
-70.5% far below sector median
Working capital
€-160k
-18.8% far below sector median
Debt
€209k
+4.6% +83% vs sector
Debt ≤ 1y
€162k
+18.8% +89% vs sector
Debt > 1y
€47k
-26.1% +2% vs sector
Current ratio
0.02
+0.5% -99% vs sector
Quick ratio
0.02
+0.5% -99% vs sector
Solvency
-30.5%
-82.1% far below sector median
Debt / equity
-4.28
+38.6% far below sector median
ROE
41.4%
+4.1% +262% vs sector
ROA
-12.6%
-89.6% far below sector median
Interest coverage
-0.88
+59.8% far below sector median
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA€-4k
Net profit€-20k
Cash flow€-9k
Staff costs-
Income taxes-
Dividends-
Total assets€160k
Equity€-49k
Debt€209k
of which ≤ 1y€162k
of which > 1y€47k
Working capital€-160k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.02
Quick ratio0.02
Working capital ratio-99.9%
Solvency-30.5%
Debt / equity-4.28
Long-term debt ratio-0.95
Interest coverage-0.88
Gross margin-
Net margin-
ROA-12.6%
ROE41.4%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€160k
Fixed assets 21/28€158k
Intangible fixed assets 21€158k
Current assets 29/58€2k
Amounts receivable within one year 40/41€645
Cash & bank 54/58€2k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€160k
Equity 10/15€-49k
Contributions / capital 10/11€3k
Accumulated profits (losses) 14€-52k
Amounts payable 17/49€209k
Amounts payable after one year 17€47k
Amounts payable within one year 42/48€162k
Income statement
Gross operating margin 9900€-4k
Operating result 9901€-15k
Financial charges 65€5k
Result before taxes 9903€-20k
Net result for the period 9904€-20k
Result to be appropriated 9905€-20k
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Food & beverage service(56112)
Legal form Private limited company(610)
Incorporation26-04-2022
StatusActive
Postal code1070
Establishment units 1 location
BYNFI
Wayezstraat 109, 1070 AnderlechtEetgelegenheden met beperkte bediening
since 20222.338.180.941
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21001A0570/00E013 Brussels 70 m² 1 · 69 m² 17.3 m · 5 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 5 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
29-10-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
30-09-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
11-01-2024
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
20-12-2022
State Gazette act Capital & shares
30-06-2022
State Gazette act Capital & shares
Belgisch Staatsblad, acts 2 acts
Capital history · 2
20-12-2022
Capital change
30-06-2022
Capital change
All acts · 2 updated 3 years ago
2022
20-12-2022 All shares are now held by a single shareholder Capital & shares
Technical details 
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  "act_meta": {
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    "pub_date": null,
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    "act_kind_objet": "Onderwerp akte:"
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    "unanimous": null,
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  "bedrijfsrevisor": null,
  "subject_company": {
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  "publication_proxy": {
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  "co_filed_documents": [],
  "shareholders_after": [
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      "role": null,
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}
30-06-2022 All shares are now held by a single shareholder Capital & shares
Technical details 
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  },
  "act_meta": {
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    "act_kind_objet": "Benoeming van zaakvoerder, Overdraagt van aandelen"
  },
  "decision": {
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    {
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  "share_classes_after": [
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      "capital_share_eur": null,
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  ]
}
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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Eetgelegenheden met beperkte bediening56102Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden56112Cateringdiensten op contractbasis en overige diensten in verband met maaltijden56220Overige eetgelegenheden56290
Primary activity highlighted.
Names & trade names
Legal nameNL BYNFI
Registered office
Wayezstraat 109
1070 Anderlecht, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative