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Generated 27-07-2026
Active BE 0553.639.574Private limited company

DAYA SAM

Opzichterstraat 250 ·1080 Sint-Jans-Molenbeek, Belgium· 12 yrs active
Sector: Cafés (56301)
Conclusion Checked

The computed 12-month bankruptcy probability of DAYA SAM is 12.3% (high). The 2023 annual accounts show negative equity (€-209) and a net result of €-2k. Equity is shrinking by ~39.1% per year across the filed fiscal years. Its solvency ranks better than 31% of 4701 sector peers (fiscal year 2023). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 6 annual accounts.
Key figures
Equity €-209
Net result €-2k
Better than sector 31%
Active 12 yrs
Snowflake analysis 5 axes · computed by Checked
Health30Profitability100Solvency50Growth58Stability100
68 / 100

Strong profile, led by profitability.

Health 30
Profitability 100
Solvency 50
Growth 58
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
12.3% High
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector +Annual accounts: weaker financial profile +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
Established
Founded in 2014, 12 years in business.
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 2023 · computed
30 / 100 Weak
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview7 NBB filings
Annual accounts filed on 29-08-2024 with the NBB · fiscal year 2023 · micro
€-15k€-10k€-5k€0Net result 2019: €-8k€-8kOperating result 2020: €-3k€-3kNet result 2020: €-11k€-11kOperating result 2021: €-3k€-3kNet result 2021: €-3k€-3kOperating result 2022: €-2k€-2kNet result 2022: €-2k€-2kOperating result 2023: €-2k€-2kNet result 2023: €-2k€-2k20192020202120222023
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 ~39.1%/year over 6 fiscal years, indicative, assuming unchanged policy.
€-10k€0€10k2024: €-3k (€-4k - €-2k)2025: €-5k (€-7k - €-4k)2026: €-8k (€-10k - €-6k)2018: €11k2019: €11k2020: €8k2021: €5k2022: €2k2023: €-209201820192020202120222023202420252026
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 2023 · NACE 56, Food & beverage service · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -4.2% 16.6%
better than 31% of 4701 sector peers
Net result €-2k €2k
better than 37% of 4691 sector peers
Equity €-209 €11k
better than 33% of 4713 sector peers
Gross operating margin €-1k €42k
better than 14% of 4674 sector peers
Total assets €5k €82k
better than 5% of 4701 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€-1k
+9.6% far below sector median
Net profit
€-2k
+5.9% far below sector median
Cash flow
€-1k
+10.0% far below sector median
Total assets
€5k
-16.7% -97% vs sector
Equity
€-209
- far below sector median
Working capital
€-4k
-61.2% far below sector median
Debt
€5k
+34.2% -93% vs sector
Debt ≤ 1y
€5k
+34.2% -79% vs sector
Current ratio
0.00
-100.0% -100% vs sector
Quick ratio
0.00
-100.0% -100% vs sector
Solvency
-4.2%
- far below sector median
Debt / equity
-24.64
- far below sector median
ROE
1100.7%
- far above sector median
ROA
-46.6%
-12.9% far below sector median
Interest coverage
-1300.56
-526.6% far below sector median
Figures by fiscal year
Fiscal year2023
Revenue-
EBITDA€-1k
Net profit€-2k
Cash flow€-1k
Staff costs-
Income taxes-
Dividends-
Total assets€5k
Equity€-209
Debt€5k
of which ≤ 1y€5k
of which > 1y-
Working capital-
Employees (FTE)-
Ratios (computed)
2023
Current ratio-
Quick ratio-
Working capital ratio-
Solvency-4.2%
Debt / equity-24.64
Long-term debt ratio-
Interest coverage-1300.56
Gross margin-
Net margin-
ROA-46.6%
ROE1100.7%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€5k
Fixed assets 21/28€5k
Tangible fixed assets 22/27€5k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€5k
Equity 10/15€-209
Contributions / capital 10/11€19k
Accumulated profits (losses) 14€-19k
Amounts payable 17/49€5k
Amounts payable within one year 42/48€5k
Trade debts payable within one year 44€67
Income statement
Gross operating margin 9900€-1k
Operating result 9901€-2k
Financial charges 65€1
Result before taxes 9903€-2k
Net result for the period 9904€-2k
Result to be appropriated 9905€-2k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Cafés(56301)
Legal form Private limited company(610)
Incorporation05-06-2014
StatusActive
Postal code1080
Establishment units 3 locations
L'EXELLENCE
Le Lorrainstraat 1, 1080 Sint-Jans-MolenbeekEetgelegenheden met beperkte bediening
since 20142.234.100.238
CAFE MAESTRO
Bergense Steenweg 106, 1070 AnderlechtCafés en bars
since 20182.272.068.612
Cafe Isniq
Opzichterstraat 250, 1080 Sint-Jans-MolenbeekCafés en bars
since 20242.361.549.033
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 3 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21012A0157/00L003 Brussels 430 m² 1 · 430 m² 19.1 m · 4 fl.
21305B0218/00X008 Brussels 157 m² 1 · 157 m² 19.0 m · 3 fl.
21012A0079/00W006 Brussels 74 m² 1 · 67 m² 15.4 m · 5 fl.
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 8 events

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

2024
29-08-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
15-05-2024
State Gazette act Capital & shares
2023
30-08-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
26-07-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
15-10-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
18-08-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
06-08-2020
NBB filing Annual accounts filed
fiscal year 2017 · micro
2019
04-12-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
Belgisch Staatsblad, acts 1 acts
Capital history · 1
15-05-2024
Capital change
All acts · 1 updated 2 years ago
2024
15-05-2024 Transaction in capital or shares Capital & shares
Technical details 
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      "subscribers": [
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          "kbo": null,
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          "kind": "person",
          "name": "MULAJ Granit",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": null,
          "contribution_amount_eur": null
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      "decrease_purpose": null,
      "contribution_type": null,
      "paid_up_delta_eur": null,
      "n_shares_destroyed": null,
      "not_yet_called_eur": null,
      "merger_new_shares_n": null,
      "merger_exchange_ratio": null,
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      "statutory_unavailable_equity_op": null
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  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Bruxelles",
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2024-05-15",
    "filing_date": "2024-05-06",
    "act_kind_objet": "D\u00E9mission, Nomination, Cession"
  },
  "decision": {
    "body": "algemene_vergadering",
    "act_date": "2024-04-18",
    "unanimous": true,
    "under_authorized_capital": false,
    "underlying_resolution_date": "2024-04-18"
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0553.639.574",
    "name_full": "DAYA SAM",
    "legal_form": "Soci\u00E9t\u00E9 \u00E0 Responsabilit\u00E9 Limit\u00E9e",
    "_kbo_filled_from_list": true,
    "is_foreign_registered": false
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "shareholders_after": [
    {
      "kbo": null,
      "pct": null,
      "kind": "person",
      "name": "MULAJ Granit",
      "role": "aandeelhouder",
      "n_shares": null,
      "share_class": null
    },
    {
      "kbo": null,
      "pct": null,
      "kind": "person",
      "name": "MIHALACHE Cosmina-Anca",
      "role": "aandeelhouder",
      "n_shares": null,
      "share_class": null
    }
  ],
  "share_classes_after": []
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
AI-generated from Checked data; indicative, not legal or investment advice.
Company registry (CBE) Crossroads Bank
Activities
Cafés en bars56301Cafés en bars56301
Primary activity highlighted.
Names & trade names
Legal nameFR DAYA SAM
Registered office
Opzichterstraat 250
1080 Sint-Jans-Molenbeek, 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