CASA IOVINE

Active

Private limited companyfounded 20214 yrs activeSt-Pietersstraat(L) 66, 3630 Maasmechelen, BelgiumKBO/BCE: BE 0774.376.635

CASA IOVINE has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €91k and a net result of €89k. Equity is growing by ~25.7% per year across the filed fiscal years. Its solvency ranks better than 30% of 477 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

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Checked score

Score 2025

72 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability95▲+29

Solvency47▼-53

Growth78▲+26

Track record94

Bankruptcy probability, 12 months

0.8% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €6k at 30 days acceptable

Liquidity tight (current ratio 1.35 against 5.72 in 2024; short-term debt: 41.7% and cash: 30.9% of total assets), and 78.3% 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

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

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 63

Relative position

BE, all sectors

reference

Sector 63

lower

← fewer bankruptcies more bankruptcies →

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

21.7%

Return on assets

21.1%

Age of the figures

9 mo

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 4 filings

Deviation from the deadline

2025

27 d late

2024

1 d early

2023

on the day

2022

24 d late

← 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

20-09-2026 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, abbreviated schema

Equity

€91k▼ 12.8%

2024 · €105k

2022: €57k 2023: €78k 2024: €105k

2022 → 2025

Total assets

€422k▲ 216%

2024 · €134k

2022: €72k 2023: €95k 2024: €134k

2022 → 2025

Net result

€89k▲ 227%

2024 · €27k

2022: €55k 2023: €20k 2024: €27k

2022 → 2025

Working capital

€61k▼ 27.1%

2024 · €84k

2022: €58k 2023: €76k 2024: €84k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€57k-€78k▲ 35.4%€105k▲ 35.2%€91k▼ 12.8%

Operating result€26k-€-8k€-496▲ 93.7%€82k

Net result€55k-€20k▼ 63.2%€27k▲ 34.7%€89k▲ 227%

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

Result per fiscal year

Operating resultNet result

The operating result returns to profit in 2025: €82k after a loss of €496 in 2024, the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €422k

43.9%

56.1%

Fixed assets €185k▲ 472%

Current assets €237k▲ 134%

Equity and liabilities €422k

21.7%

78.3%

Equity €91k▼ 12.8%

Debt €331k▲ 1,040%

The debt ratio rises from 21.7% to 78.3%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€93k▲

2024 · €3k

Cash flow

€101k▲

2024 · €31k

Solvency

21.7%▼

2024 · 78.3%

Current ratio

1.35▼

2024 · 5.72

Quick ratio

1.04▼

2024 · 5.72

Debt / equity

3.62▲

2024 · 0.28

ROE

97.5%▲

2024 · 26.0%

ROA

21.1%▲

2024 · 20.4%

Interest coverage

11.88▲

2024 · 2.57

Debt

€331k▲

2024 · €29k

Debt ≤ 1 year

€176k▲

2024 · €18k

Debt > 1 year

€137k▲

2024 · €11k

Income taxes

€16k▲

2024 · €0

Staff costs

€138k

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€134k€422k▲

Fixed assets21/28€32k€185k▲

Intangible fixed assets21-€36k

Tangible fixed assets22/27€28k€146k▲

Land and buildings22-€9k

Plant, machinery and equipment23€3k€105k▲

Furniture and vehicles24€3k€12k▲

Other tangible fixed assets26€22k€19k▼

Financial fixed assets28€4k€4k=

Current assets29/58€101k€237k▲

Amounts receivable after more than one year29€38k-

Trade receivables290€38k-

Stocks and contracts in progress3-€53k

Stocks30/36-€53k

Amounts receivable within one year40/41€10k€51k▲

Trade receivables40€10k€18k▲

Other amounts receivable41€0€33k▲

Cash at bank and in hand54/58€53k€130k▲

Deferred charges and accrued income490/1€1k€3k▲

Equity and liabilities

Total equity and liabilities10/49€134k€422k▲

Equity10/15€105k€91k▼

Contributions10/11€2k€2k=

Reserves13€103k€89k▼

Distributable reserves133€103k€89k▼

Amounts payable17/49€29k€331k▲

Amounts payable after more than one year17€11k€137k▲

Financial debts170/4€11k€137k▲

Amounts payable within one year42/48€18k€176k▲

Current portion of amounts payable after more than one year42€9k€28k▲

Trade debts44€263€59k▲

Suppliers440/4€263€59k▲

Taxes, remuneration and social security45€8k€35k▲

Taxes450/3€8k€27k▲

Remuneration and social security454/9-€8k

Other amounts payable47/48-€55k

Accrued charges and deferred income492/3-€18k

Income statement Code20242025

Remuneration, social security and pensions62-€138k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€12k▲

Other operating charges640/8€914€1k▲

Gross operating margin9900€4k€233k▲

Operating profit (loss)9901€-496€82k▲

Financial income75/76B€29k€31k▲

Recurring financial income75€29k€31k▲

Financial charges65/66B€1k€8k▲

Recurring financial charges65€1k€8k▲

Profit (loss) for the period before taxes9903€27k€105k▲

Income taxes67/77€0€16k▲

Profit (loss) for the period9904€27k€89k▲

Profit (loss) for the period to be appropriated9905€27k€89k▲

Appropriation of the result

Profit (loss) to be appropriated9906€27k€89k▲

Transfer from equity791/2-€103k

Transfer to equity691/2€27k€89k▲

To other reserves6921€27k€89k▲

Profit to be distributed694/7-€103k

Return on contributions (dividend)694-€103k

Social balance

Average headcount (FTE)9087-6.7

The notes to these accounts (14 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 7Financial 3Filings 4

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

2026

27-08

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema · 27 days late

2025

31-12

Financial Highest result since 2022net €89k ▲227%

Operating result €82k, net result €89k, both a record.

30-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Equity above €100kEq €105k ▲35.2%

3 profitable years in a row build equity to €105k.

31-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Weakest financial yearnet €20k ▼63.2%

Net result drops to €20k, the lowest in the series; recovery starts the following year.

24-08

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema · 24 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

3 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, Maasmechelen · 2 establishment units since 2021

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.

St-Pietersstraat(L) 663630 Maasmechelen

Ground area

569 m²

Building footprint

367 m²

Volume, LiDAR

579 m³

2 parcels, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.

2 establishment units

CASA IOVINE

St-Pietersstraat(L) 66, 3630 MaasmechelenFood and beverage service activities

since 20212.321.956.009

St-Pietersstraat(L) 46, 3630 Maasmechelen

Full-service restaurants

since 20252.377.199.487

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
73045B0054/00A000	Flanders	287 m²	1 · 84 m²	9.9 m · 2 fl.
73045B0076/00M000 ProtectedMonument · Townscape or village viewDorpskern LeutSource ↗	Flanders	282 m²	1 · 283 m²	-