MARJOZA
ActiveSummary
MARJOZA has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €83,684 and a net result of €13,661. Equity has been growing by about 31% per year since 2023. Its solvency ranks better than 75% of 17,054 sector peers (NACE 56, financial year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 22-06-2023 Normal situation
- Activity
- Full-service restaurants NACE 56111
- Establishment unit
- 2.346.472.362 8310 Bruges, since 22-06-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 04-03-2026
Board and ownership
- BLANCKAERT Tineke Monique MarcelDirector · since 20-06-2023
- ROMBAUX Pieter-Jan Roger AlidaDirector · since 22-06-2023
- ROMBAUX Pieter-Jan Roger Alida500 sharesdeed of 26-06-2023
- BLANCKAERT Tineke Monique Marcel500 sharesdeed of 26-06-2023
Financial position
- Bankruptcy probabilitywithin 12 months
- 1.3%
- Gross margin
- €38,701
- ▼ 14.5%
- Turnover
- ≈ €190,000
- estimated
- Profit
- €13,661
- ▼ 36.1%
- Equity
- €83,684
- ▲ 19.5%
- Total assets
- €142,528
- ▲ 1.9%
Score breakdownraises riskSector: Food and beverage service activities (NACE 56)Founded in 2023Size: total assets €142,528lowers riskLiquidity: current ratio 1.45, cash €45,272Show the evidence
Checked score
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 56, micro). It does better than 75% of them on solvency, 81% on liquidity, 66% on profitability and 65% on growth.
The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 3 accounts on average 33 days before the deadline. In the sector (NACE 56), the median for financial year 2024 was 7 days after the deadline, and 53% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 03-07-2026 at the NBB all 3 filings
Every figure per financial year
The operating result for 2025 is 32% lower than in 2024 and the lowest since 2023. It is the second fall in a row.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Investments
| Item | 2023 | 2024 | 2025 |
|---|---|---|---|
| Tangible fixed assets | €94,847 | €1,325 | €26,185 |
| Intangible fixed assets | €4,150 | - | - |
| Depreciation and write-downs of the year | €7,928 | €16,310 | €18,855 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Subsidies and aid
Flemish government
2025 · 1 entry · €176 awarded · €176 paid| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,928 | €16,310 | €18,855 | ▲ 15.6% |
| Other operating charges640/8 | €252 | €872 | €776 | ▼ 11.0% |
| Non-recurring operating charges66A | - | €207 | - | - |
| Gross operating margin9900 | €58,122 | €45,280 | €38,701 | ▼ 14.5% |
| Operating profit (loss)9901 | €49,943 | €27,891 | €19,069 | ▼ 31.6% |
| Financial income75/76B | €26 | €925 | €605 | ▼ 34.6% |
| Recurring financial income75 | €26 | €925 | €605 | ▼ 34.6% |
| Financial charges65/66B | €1,509 | €1,757 | €2,819 | ▲ 60.4% |
| Recurring financial charges65 | €1,509 | €1,757 | €2,819 | ▲ 60.4% |
| Profit (loss) for the period before taxes9903 | €48,459 | €27,059 | €16,855 | ▼ 37.7% |
| Income taxes67/77 | €9,812 | €5,683 | €3,194 | ▼ 43.8% |
| Profit (loss) for the period9904 | €38,647 | €21,376 | €13,661 | ▼ 36.1% |
| Profit (loss) for the period to be appropriated9905 | €38,647 | €21,376 | €13,661 | ▼ 36.1% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €126,542 | €139,896 | €142,528 | ▲ 1.9% |
| Fixed assets21/28 | €91,069 | €75,877 | €83,208 | ▲ 9.7% |
| Intangible fixed assets21 | €4,034 | €3,204 | €2,374 | ▼ 25.9% |
| Tangible fixed assets22/27 | €87,035 | €72,673 | €80,833 | ▲ 11.2% |
| Land and buildings22 | €18,015 | €16,115 | €37,411 | ▲ 132% |
| Plant, machinery and equipment23 | €50,318 | €41,138 | €31,632 | ▼ 23.1% |
| Furniture and vehicles24 | €7,365 | €6,613 | €5,511 | ▼ 16.7% |
| Leasing and similar rights25 | €11,337 | €8,808 | €6,279 | ▼ 28.7% |
| Current assets29/58 | €35,473 | €64,018 | €59,320 | ▼ 7.3% |
| Stocks and contracts in progress3 | €8,660 | €8,992 | €9,092 | ▲ 1.1% |
| Stocks30/36 | €8,660 | €8,992 | €9,092 | ▲ 1.1% |
| Amounts receivable within one year40/41 | €1,245 | €1,830 | €2,513 | ▲ 37.4% |
| Trade receivables40 | €1,245 | €1,830 | - | - |
| Other amounts receivable41 | - | - | €2,513 | - |
| Cash at bank and in hand54/58 | €22,958 | €49,720 | €45,272 | ▼ 8.9% |
| Deferred charges and accrued income490/1 | €2,610 | €3,477 | €2,444 | ▼ 29.7% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €126,542 | €139,896 | €142,528 | ▲ 1.9% |
| Equity10/15 | €48,647 | €70,023 | €83,684 | ▲ 19.5% |
| Contributions10/11 | €10,000 | €10,000 | €10,000 | = |
| Reserves13 | €38,647 | €60,023 | €73,684 | ▲ 22.8% |
| Distributable reserves133 | €38,647 | €60,023 | €73,684 | ▲ 22.8% |
| Amounts payable17/49 | €77,895 | €69,873 | €58,844 | ▼ 15.8% |
| Amounts payable after more than one year17 | €14,319 | €9,074 | €18,055 | ▲ 99.0% |
| Financial debts170/4 | €14,319 | €9,074 | €18,055 | ▲ 99.0% |
| Amounts payable within one year42/48 | €63,576 | €58,680 | €40,788 | ▼ 30.5% |
| Current portion of amounts payable after more than one year42 | €7,529 | €5,244 | €10,302 | ▲ 96.4% |
| Trade debts44 | €8,177 | €53 | €3,339 | ▲ 63× |
| Suppliers440/4 | €8,177 | €53 | €3,339 | ▲ 63× |
| Advances received on contracts in progress46 | - | €600 | €750 | ▲ 25.0% |
| Taxes, remuneration and social security45 | €16,463 | €21,409 | €9,923 | ▼ 53.6% |
| Taxes450/3 | €16,463 | €21,409 | €9,923 | ▼ 53.6% |
| Other amounts payable47/48 | €31,408 | €31,373 | €16,475 | ▼ 47.5% |
| Accrued charges and deferred income492/3 | - | €2,119 | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €38,647 | €21,376 | €13,661 | ▼ 36.1% |
| + Depreciation and write-downs630 | €7,928 | €16,310 | €18,855 | ▲ 15.6% |
| Operating cash flow (approximation) | €46,575 | €37,686 | €32,516 | ▼ 13.7% |
| Investment in fixed assets (approximation) | - | -€1,118 | -€26,185 | ▼ 2,242% |
| Change in cash | - | €26,762 | -€4,448 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 39,278 companies had the same profile as MARJOZA has now. Two years later, 95.8% were still going and 1.8% had gone bankrupt.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of MARJOZA itself: 1.3% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for MARJOZA. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Board & ownership
Directors
Owners and capital
Shareholders
- ROMBAUX Pieter-Jan Roger Alida 500 shares (50%) · €5,000
- BLANCKAERT Tineke Monique Marcel 500 shares (50%) · €5,000
Capital transactions
- 26-06-2023 Incorporation · €10,000 · 1,000 shares
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| BLANCKAERT Tineke Monique Marcel |
|
| ROMBAUX Pieter-Jan Roger Alida |
|
Articles of association
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Articles of association, deed of 26-06-2023 (in Dutch)
Network & group
MARJOZA shares no director with another company.
Connections & network
2 current directorsThe network starts from the directors of MARJOZA. Every other company they run is a node.
Timeline
Deeds, filings and financial milestones
26-06
Gazette deed
IncorporationFounding capital of €10,000, 1,000 shares · Founders: ROMBAUX Pieter-Jan Roger Alida and BLANCKAERT Tineke Monique Marcel · Appointments: ROMBAUX Pieter-Jan Roger Alida (director) and BLANCKAERT Tineke Monique Marcel (director)7 points ▸
- Founder, ROMBAUX Pieter-Jan Roger Alida
- Founder, BLANCKAERT Tineke Monique Marcel
- Founding capital, €10,000, 1,000 shares
- Registered office clause, Moerkerkse Steenweg 139, 8310 Brugge (Sint-Kruis)
- Board rule, 2
- Director appointment, ROMBAUX Pieter-Jan Roger Alida (director (not named in the articles))
- Director appointment, BLANCKAERT Tineke Monique Marcel (director (not named in the articles))
- The deed holds 3 more points.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
Invoicing and payment
Financial year and general meeting
Accounts at the NBBRecognitions · licences · registrations
Food safety, FASFC
1 siteSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 31433D0010/00C019 | Flanders | 291 m² | 1 · 119 m² | 12.2 m · 3 |