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Generated 25-08-2026
Active BE 0801.731.625Private limited company

La Villa 433

Chaussée de Louvain(BU) 433 ·5004 Namur, Belgium· 3 yrs active
Sector: Activiteiten van eetgelegenheden met volledige bediening (56111)
Conclusion Checked

The computed 12-month bankruptcy probability of La Villa 433 is 9.8% (elevated). The 2024 annual accounts show negative equity (€-24k) and a net result of €-35k. Its solvency ranks better than 14% of 5651 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €-24k
Net result €-35k
Better than sector 14%
Active 3 yrs
Financial profile 4 of 5 axes measured · computed by Checked
Health10Profitability100Solvency33Growth-Stability79
56 / 100

Mixed profile: strong on profitability, weaker on health.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 10
Profitability 100
Solvency 33
Growth -
Stability 79
Bankruptcy probability (12 mo) Checked model v1 · free
9.8% Elevated
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector +Young company +Annual accounts: weaker financial profile +

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 2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2024 · computed
10 / 100 Critical
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 28-08-2025 with the NBB · fiscal year 2024 · micro
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 -53.9% 19.3%
better than 14% of 5651 sector peers
Net result €-35k €4k
better than 8% of 5639 sector peers
Equity €-24k €14k
better than 15% of 5663 sector peers
Gross operating margin €45k €52k
better than 46% of 5625 sector peers
Staff costs €70k €49k
higher than 60% of 4089 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA€-30k
Net profit€-35k
Cash flow€-31k
Staff costs€70k
Income taxes-
Dividends-
Total assets€44k
Equity€-24k
Debt€68k
of which ≤ 1y€22k
of which > 1y€29k
Working capital€-18k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.18
Quick ratio0.05
Working capital ratio-40.8%
Solvency-53.9%
Debt / equity-2.86
Long-term debt ratio-1.24
Interest coverage-67.92
Gross margin-
Net margin-
ROA-80.1%
ROE148.6%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€44k
Fixed assets 21/28€40k
Tangible fixed assets 22/27€10k
Financial fixed assets 28€29k
Current assets 29/58€4k
Stocks & contracts in progress 3€3k
Amounts receivable within one year 40/41€82
Cash & bank 54/58€938
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€44k
Equity 10/15€-24k
Contributions / capital 10/11€12k
Accumulated profits (losses) 14€-35k
Amounts payable 17/49€68k
Amounts payable after one year 17€29k
Amounts payable within one year 42/48€22k
Trade debts payable within one year 44€12k
Income statement
Gross operating margin 9900€45k
Operating result 9901€-35k
Financial charges 65€445
Result before taxes 9903€-35k
Net result for the period 9904€-35k
Result to be appropriated 9905€-35k
Ratios computed by Checked.
Directors & mandates 3 directors
Current directors & mandates
  • La PERNA Toni
    Director
    State Gazette act 25131097 (15-10-2025)
    Current
    15-09-2025 → present
Former directors (2)
  • SANTORO Alfio
    Director
    State Gazette act 25131097 (15-10-2025)
    Former
    - → 15-09-2025
  • VIGNA Rocco
    Director
    State Gazette act 25131097 (15-10-2025)
    Former
    - → 15-09-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
NACE primary Activiteiten van eetgelegenheden met volledige bediening(56111)
Legal form Private limited company(610)
Incorporation12-05-2023
StatusActive
Postal code5004
Establishment units 1 location
La Villa 433
Chaussée de Louvain(BU) 433, 5004 NamurVerkoop aan de toog of via telefoon, fax, internet van eetwaren en dranken : pizzeria's
since 20232.345.244.521
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.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
92021F0256/00B000 Wallonia 2,480 m² 1 · 225 m² 12.0 m · 3 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 3 events

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

2025
15-10-2025
State Gazette act Director changes
v3.2
28-08-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2023
16-05-2023
State Gazette act Incorporation
oprichting
Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 10 months ago
2025
15-10-2025 1 director appointed, 2 resigning Director changes
  • La PERNA Toni, Bestuurder
  • VIGNA Rocco, Bestuurder
  • SANTORO Alfio, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "VIGNA Rocco",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2025-09-15",
      "evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale accepte, avec effet au 15 septembre 2025, les d\u00E9missions de Monsieur VIGNA Rocco et de Monsieur Alfio SANTORO, de leur fonction d\u0027administrateurs, et nomme en remplacement Monsieur La PERNA Toni qui accepte. L\u0027assembl\u00E9e donne d\u00E9charge aux administrateurs sortants pour l\u0027exercice",
      "discharge_granted": true
    },
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "SANTORO Alfio",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2025-09-15",
      "evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale accepte, avec effet au 15 septembre 2025, les d\u00E9missions de Monsieur VIGNA Rocco et de Monsieur Alfio SANTORO, de leur fonction d\u0027administrateurs, et nomme en remplacement Monsieur La PERNA Toni qui accepte. L\u0027assembl\u00E9e donne d\u00E9charge aux administrateurs sortants pour l\u0027exercice",
      "discharge_granted": true
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "La PERNA Toni",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2025-09-15",
      "evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale accepte, avec effet au 15 septembre 2025, les d\u00E9missions de Monsieur VIGNA Rocco et de Monsieur Alfio SANTORO, de leur fonction d\u0027administrateurs, et nomme en remplacement Monsieur La PERNA Toni qui accepte. L\u0027assembl\u00E9e donne d\u00E9charge aux administrateurs sortants pour l\u0027exercice"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0801.731.625",
    "name_full": "LA VILLA 433",
    "legal_form": "SRL"
  }
}
2023
16-05-2023 Incorporation of a new SRL Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "5004 Bouge, Chauss\u00E9e de Louvain 433",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1952-04-24",
        "name": "Santoro Alfio Giorgio",
        "niss": null,
        "address": "5004 Bouge, Chauss\u00E9e de Louvain 433"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 0,
      "holder_person_name": "Santoro Alfio Giorgio",
      "is_subscriber_only": false,
      "n_shares_subscribed": 50,
      "amount_subscribed_eur": 15000,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1961-08-13",
        "name": "Vigna Rocco",
        "niss": null,
        "address": "5004 Bouge, Chauss\u00E9e de Louvain 433"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 0,
      "holder_person_name": "Vigna Rocco",
      "is_subscriber_only": false,
      "n_shares_subscribed": 50,
      "amount_subscribed_eur": 15000,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 30000,
  "subject_company": {
    "kbo": "0801.731.625",
    "name_full": "La Villa 433",
    "legal_form": "SRL"
  },
  "initial_directors": [],
  "incorporation_date": "2023-05-12",
  "post_incorporation_mandates": []
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Eetgelegenheden met volledige bediening56101Activiteiten van eetgelegenheden met volledige bediening56111Eetgelegenheden met beperkte bediening56102Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden56112
Primary activity highlighted.
Names & trade names
Legal nameFR La Villa 433
Registered office
Chaussée de Louvain(BU) 433
5004 Namur, 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