M84U
ActiveThe computed 12-month bankruptcy probability of M84U is 4.3% (elevated). The 2024 annual accounts show equity of €35k and a net result of €7k. Equity is growing by ~27.5% per year across the filed fiscal years. Its solvency ranks better than 57% of 18938 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
76
/ 100
Excellent= vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency60▼-7
Growth52=
Stability94
Bankruptcy probability, 12 months
4.3%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.12 against 1.2 in 2023), and 63.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
36.7%
Return on assets
7.6%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 05-07-2025, 26 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
26 d early
2023
7 d early
2022
10 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€35k▲ 26.1%
2023 · €28k
2022: €20k
2023: €28k
2022 → 2024
Total assets
€94k▲ 39.6%
2023 · €68k
2022: €54k
2023: €68k
2022 → 2024
Net result
€7k▼ 10.2%
2023 · €8k
2022: €10k
2023: €8k
2022 → 2024
Working capital
€3k▼ 61.3%
2023 · €8k
2022: €-6k
2023: €8k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€20k-€28k▲ 40.9%€35k▲ 26.1%
Operating result€13k-€13k▲ 0.5%€12k▼ 10.7%
Net result€10k-€8k▼ 16.2%€7k▼ 10.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 11% below 2023 and is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €94k
Fixed assets
€64k▲ 230%
Current assets
€30k▼ 37.1%
Equity and liabilities €94k
Equity
€35k▲ 26.1%
Debt
€60k▲ 48.8%
The debt ratio rises from 59.3% to 63.3%: debt grows faster than equity.
Key figures and ratios
EBITDA
€20k▼
2023 · €20k
Cash flow
€16k▲
2023 · €15k
Solvency
36.7%▼
2023 · 40.7%
Current ratio
1.12▼
2023 · 1.20
Quick ratio
0.74▼
2023 · 0.90
Debt / equity
1.72▲
2023 · 1.46
ROE
20.7%▼
2023 · 29.0%
ROA
7.6%▼
2023 · 11.8%
Interest coverage
29.92▲
2023 · 28.52
Debt
€60k▲
2023 · €40k
Debt ≤ 1 year
€27k▼
2023 · €40k
Debt > 1 year
€33k
Income taxes
€4k▼
2023 · €4k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€68k€94k▲
Fixed assets21/28€19k€64k▲
Intangible fixed assets21€8k€5k▼
Tangible fixed assets22/27€11k€59k▲
Plant, machinery and equipment23€8k€5k▼
Furniture and vehicles24€3k€54k▲
Current assets29/58€48k€30k▼
Stocks and contracts in progress3€12k€10k▼
Stocks30/36€12k€10k▼
Amounts receivable within one year40/41€18k€6k▼
Trade receivables40€16k-
Other amounts receivable41€2k€6k▲
Cash at bank and in hand54/58€15k€12k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€68k€94k▲
Equity10/15€28k€35k▲
Contributions10/11€10k€10k=
Reserves13€17k€24k▲
Distributable reserves133€17k€24k▲
Profit (loss) carried forward14€524€699▲
Amounts payable17/49€40k€60k▲
Amounts payable after more than one year17-€33k
Financial debts170/4-€33k
Amounts payable within one year42/48€40k€27k▼
Current portion of amounts payable after more than one year42-€7k
Trade debts44€12k€9k▼
Suppliers440/4€12k€9k▼
Advances received on contracts in progress46€18k-
Taxes, remuneration and social security45€8k€8k▲
Taxes450/3€8k€8k▲
Remuneration and social security454/9-€240
Other amounts payable47/48€3k€3k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€8k▲
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A€1k€1k▼
Gross operating margin9900€23k€23k▼
Operating profit (loss)9901€13k€12k▼
Financial income75/76B€40€84▲
Recurring financial income75€40€84▲
Financial charges65/66B€711€670▼
Recurring financial charges65€711€670▼
Profit (loss) for the period before taxes9903€12k€11k▼
Income taxes67/77€4k€4k▼
Profit (loss) for the period9904€8k€7k▼
Profit (loss) for the period to be appropriated9905€8k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€8k▼
Profit (loss) brought forward from the previous period14P€536€524▼
Transfer to equity691/2€8k€7k▼
To other reserves6921€8k€7k▼
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
05-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €7k ▼10.2%
Net result drops to €7k, the lowest in the series.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Zoutleeuw · 1 establishment unit since 2021
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.
Grote Steenweg 523440 ZoutleeuwGround area
918 m²
Building footprint
129 m²
Volume, LiDAR
759 m³
Parcel 24021B0123/00W000, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ARYA
since 20212.323.403.584
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24021B0123/00W000 | Flanders | 918 m² | 1 · 129 m² | 9.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Robert-Bertin
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LES JARDINS DE CAROLINE
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Nacho's Antwerp
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Ruben
BE 0729.821.664
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Of 20,234 companies in sector 56111 we hold annual accounts for 11,309. 9,478 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-10-2021
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56220Contract catering and other food service activities
56290Food and beverage service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.