MAÏANO
ActiveThe computed 12-month bankruptcy probability of MAÏANO is 1.9% (moderate). The 2024 annual accounts show equity of €688k and a net result of €108k. Equity is growing by ~25.1% per year across the filed fiscal years. Its solvency ranks better than 92% of 1763 sector peers (fiscal year 2024). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability84=
Solvency100▲+11
Growth78=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 4.17 against 2.8 in 2023; short-term debt: 22.9% and cash: 20.4% of total assets), and 24.8% 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.
−lowers risk+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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
75.2%
Return on assets
11.8%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 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 · 7 filingsDeviation from the deadline
2025
not confirmed
2024
30 d late
2023
49 d late
2022
32 d late
2021
34 d early
2020
12 d early
2019
11 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€108k▼ 5.1%
2023 · €114k
2018: €97k
2019: €119k
2020: €78k
2021: €103k
2022: €81k
2023: €114k
2018 → 2024
Working capital
€662k▲ 21.0%
2023 · €547k
2018: €85k
2019: €181k
2020: €255k
2021: €368k
2022: €442k
2023: €547k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€282k-€385k▲ 36.4%€466k▲ 21.1%€580k▲ 24.4%€688k▲ 18.6%
Operating result€101k-€127k▲ 26.1%€121k▼ 5.4%€167k▲ 38.9%€149k▼ 11.1%
Net result€78k-€103k▲ 32.2%€81k▼ 20.9%€114k▲ 40.2%€108k▼ 5.1%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 11% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €914k
Fixed assets
€43k▼ 25.5%
Current assets
€871k▲ 2.4%
Equity and liabilities €914k
Equity
€688k▲ 18.6%
Debt
€227k▼ 31.1%
The debt ratio falls from 36.2% to 24.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€164k▼
2023 · €177k
Cash flow
€123k▼
2023 · €124k
Solvency
75.2%▲
2023 · 63.8%
Current ratio
4.17▲
2023 · 2.80
Quick ratio
4.04▲
2023 · 2.75
Debt / equity
0.33▼
2023 · 0.57
ROE
15.7%▼
2023 · 19.6%
ROA
11.8%▼
2023 · 12.5%
Interest coverage
24.98▼
2023 · 27.41
Debt
€227k▼
2023 · €329k
Debt ≤ 1 year
€209k▼
2023 · €304k
Debt > 1 year
€14k▼
2023 · €25k
Income taxes
€49k▲
2023 · €47k
Staff costs
€588k▲
2023 · €571k
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€909k€914k▲
Fixed assets21/28€58k€43k▼
Tangible fixed assets22/27€57k€43k▼
Furniture and vehicles24€839€397▼
Leasing and similar rights25€55k€42k▼
Other tangible fixed assets26€1k€341▼
Financial fixed assets28€449€449=
Current assets29/58€851k€871k▲
Stocks and contracts in progress3€14k€26k▲
Stocks30/36€14k€26k▲
Amounts receivable within one year40/41€20k€14k▼
Trade receivables40€20k€940▼
Other amounts receivable41€0€13k▲
Current investments50/53-€637k
Cash at bank and in hand54/58€802k€186k▼
Deferred charges and accrued income490/1€15k€9k▼
Equity and liabilities
Total equity and liabilities10/49€909k€914k▲
Equity10/15€580k€688k▲
Contributions10/11€19k€19k=
Reserves13€523k€631k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€523k€631k▲
Profit (loss) carried forward14€38k€38k▲
Amounts payable17/49€329k€227k▼
Amounts payable after more than one year17€25k€14k▼
Financial debts170/4€25k€14k▼
Amounts payable within one year42/48€304k€209k▼
Current portion of amounts payable after more than one year42€11k€11k▲
Trade debts44€113k€96k▼
Suppliers440/4€113k€96k▼
Taxes, remuneration and social security45€172k€94k▼
Taxes450/3€63k€9k▼
Remuneration and social security454/9€109k€85k▼
Other amounts payable47/48€8k€8k=
Accrued charges and deferred income492/3€0€3k▲
Income statement
Code20232024
Remuneration, social security and pensions62€571k€588k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€15k▲
Other operating charges640/8€6k€6k▼
Gross operating margin9900€755k€758k▲
Operating profit (loss)9901€167k€149k▼
Financial income75/76B€0€14k▲
Recurring financial income75€0€14k▲
Financial charges65/66B€6k€7k▲
Recurring financial charges65€6k€7k▲
Profit (loss) for the period before taxes9903€161k€157k▼
Income taxes67/77€47k€49k▲
Profit (loss) for the period9904€114k€108k▼
Profit (loss) for the period to be appropriated9905€114k€108k▼
Appropriation of the result
Profit (loss) to be appropriated9906€151k€146k▼
Profit (loss) brought forward from the previous period14P€37k€38k▲
Transfer to equity691/2€114k€108k▼
To other reserves6921€114k€108k▼
Social balance
Average headcount (FTE)908713.213.5▲
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 30 days late
2024
18-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 49 days late
2023
31-12
Financial
Equity above €500kEq €580k ▲24.4%
6 profitable years in a row build equity to €580k.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 32 days late
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €78k ▼34.5%
Net result drops to €78k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 4.36
Current ratio from 1.83 to 4.36; short-term debt falls from €217k to €76k.
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Highest result since 2018net €119k ▲22%
Operating result €176k, net result €119k, both a record.
31-12
Financial
Equity above €200kEq €204k ▲103%
2 profitable years in a row build equity to €204k.
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Kelmis · 1 establishment unit since 2017
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.
Rue Bruyère 224720 KelmisGround area
2.3 ha
Building footprint
8,246 m²
Volume, LiDAR
758 m³
2 parcels, Wallonia · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LUNCH GARDEN
since 20172.265.895.749
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63023B0013/00C000 | Wallonia | 2.3 ha | 1 · 8,144 m² | - |
| 63040A0736/00E000 | Wallonia | 455 m² | 1 · 102 m² | 9.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyEupen2.265.895.749
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,783. 3,611 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-07-2017
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.