CYBERMA

Active

Private limited companyfounded 20233 yrs activeRue des Soeurs Noires 15, 7000 Mons, BelgiumKBO/BCE: BE 0800.263.064

Summary

The computed 12-month bankruptcy probability of CYBERMA is 5.8% (elevated). The annual accounts of CYBERMA for fiscal year 2025 show a net loss of 81% of the equity at the start of that year. The 2025 annual accounts show equity of €13,964 and a net result of -€59,502. Equity is shrinking by ~60.2% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 27% of 15408 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

CYBERMAActiveChecked score 35/100

Risk analysis Report Compare

Activity

Full-service restaurants

NACE 56111Full-service restaurants NACE 56101

1 site

Size

€757,417turnover 2025

Equity: €13,964
Loss: -€59,502

Financial health

35 Weak Checked score 2025

Bankruptcy chance 12 m: 5.8%

Structure

Accounts filed 60 d late0 of 2 deeds read

Why 35- Sector Food and beverage service activities (NACE 56)- Latest accounts 60 days late; 2 of the last 3 late- Founded in 2023- Loss of €59,502, the second in a row (FY 2025)Show the evidence

Checked score

Score 2025

35 / 100

Weak

Probability in this band: 4.2% to 15.0%

Better than 30% of its sector peers (NACE 56, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Weak

Solvency 28-8

equity 2.9% of total assets

Liquidity 44-18

short-term debt 30.2% · cash 5.4%

Profitability 35-24

return on assets -12.3%

Bankruptcy probability, 12 months

5.8% Elevated

0%0.5%1.5%4%10%≥ 25%

About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.9% (23,482 companies)

Last 24 months 11-2024: 3.4% 12-2024: 3.4%● 0.0% vs 11-2024 01-2025: 3.2%▼ -3.1% vs 12-2024 02-2025: 3.3%▲ +1.2% vs 01-2025 03-2025: 3.8%▲ +14.9% vs 02-2025 04-2025: 4.2%▲ +11.9% vs 03-2025 05-2025: 4.9%▲ +16.8% vs 04-2025 06-2025: 5.4%▲ +8.5% vs 05-2025 07-2025: 2.9%▼ -45.3% vs 06-2025 08-2025: 3.5%▲ +18.4% vs 07-2025 09-2025: 2.7%▼ -21.8% vs 08-2025lowest value 10-2025: 2.7%● 0.0% vs 09-2025lowest value 11-2025: 2.7%● 0.0% vs 10-2025lowest value 12-2025: 2.7%● 0.0% vs 11-2025lowest value 01-2026: 2.7%● 0.0% vs 12-2025lowest value 02-2026: 2.8%▲ +1.3% vs 01-2026 03-2026: 2.8%▲ +2.1% vs 02-2026 04-2026: 2.8%● 0.0% vs 03-2026 05-2026: 2.8%▲ +0.9% vs 04-2026 06-2026: 3.0%▲ +6.0% vs 05-2026 07-2026: 3.1%▲ +2.6% vs 06-2026 08-2026: 3.6%▲ +15.6% vs 07-2026 09-2026: 3.9%▲ +9.3% vs 08-2026 10-2026: 5.8%▲ +49.2% vs 09-2026highest value

Sector Food and beverage service activities (NACE 56) raises the probability
Latest accounts 60 days late; 2 of the last 3 late raises the probability
Founded in 2023 raises the probability for this profile
Loss of €59,502, the second in a row (FY 2025) raises the probability

No publishable credit limit; credit only on tighter terms

Net loss of at least half of total assets or of the equity at the start of the financial year.

Liquidity short (current ratio 0.45 against 0.83 in 2024; short-term debt: 30.2% and cash: 5.4% of total assets), and 97.1% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 56, micro). Better than this share of them on solvency 28%, liquidity 39%, profitability 29%, growth against the median 24%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Sector Food and beverage service activities (NACE 56)

In the bankruptcy model this factor raises the probability.

KBO

Latest accounts 60 days late; 2 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Founded in 2023

In the bankruptcy model this factor raises the probability for this profile.

KBO

Loss of €59,502, the second in a row (FY 2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Persistent losses

Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2025

Net result per financial year

232425

2023 to 2025 · latest year -€59,502

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-09-2026, 60 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 · 3 filings

Deviation from the deadline

2025

60 d late

2024

24 d late

2023

31 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 38 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 1 September (3 of the last 3 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

03-10-2026 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

29-09-26 Annual accounts filedfiscal year 2025 · micro…
31-12-25 Weakest financial yearnet -€59,502
24-08-25 Annual accounts filedfiscal year 2024 · micro…

Key points

Caution: Equity fell in 2025from €73,466 to €13,964 ▼ 81.0% View
Caution: Among the weakest 5% on net resultsector median €4,933 · 15,387 companies -€59,502 View
Caution: 2 loss-making years in a rowloss fiscal year 2025 -€59,502 View