MAROOSE

Active

Private limited companyfounded 20188 yrs activeBonenstraat 17, 8400 Oostende, BelgiumKBO/BCE: BE 0692.775.285

The computed 12-month bankruptcy probability of MAROOSE is 2.6% (moderate). The 2024 annual accounts show equity of €172k and a net result of €41k. Equity is growing by ~17.4% per year across the filed fiscal years. Its solvency ranks better than 56% of 2935 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

56 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability80▲+45

Solvency62▼-6

Growth52=

Track record100

Bankruptcy probability, 12 months

2.6% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €9k at 30 days acceptable

Liquidity short (current ratio 0.69 against 0.82 in 2023; short-term debt: 56.4% and cash: 9.2% of total assets), and 62.8% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

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 →

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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 · 6 filings

Deviation from the deadline

2025

not confirmed

2024

60 d late

2023

50 d late

2022

56 d late

2021

60 d late

2020

61 d late

2019

60 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, abbreviated schema

Source amounts without an identifiable currency are assumed to be EUR.

Equity

€172k▼ 25.0%

2023 · €230k

2019: €77k 2020: €133k 2021: €244k 2022: €227k 2023: €230k

2019 → 2024

Total assets

€463k▼ 14.1%

2023 · €539k

2019: €539k 2020: €539k 2021: €626k 2022: €594k 2023: €539k

2019 → 2024

Net result

€41k

2023 · €-33k

2019: €68k 2020: €68k 2021: €111k 2022: €-17k 2023: €-33k

2019 → 2024

Working capital

€-81k▼ 115%

2023 · €-38k

2019: €-101k 2020: €-101k 2021: €-5k 2022: €-100k 2023: €-38k

2019 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€133k-€244k▲ 83.6%€227k▼ 6.9%€230k▲ 1.2%€172k▼ 25.0%

Operating result€100k-€141k▲ 40.9%€2k▼ 98.7%€-7k€58k

Net result€68k-€111k▲ 62.7%€-17k€-33k▼ 98.4%€41k

Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result returns to profit in 2024: €58k after a loss of €7k in 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €463k

61.2%

38.8%

Fixed assets €283k▼ 23.3%

Current assets €180k▲ 6.0%

Equity and liabilities €463k

37.2%

62.8%

Equity €172k▼ 25.0%

Debt €290k▼ 5.9%

The debt ratio rises from 57.3% to 62.8%. Equity and debt are lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€140k▲

2023 · €80k

Cash flow

€123k▲

2023 · €53k

Solvency

37.2%▼

2023 · 42.7%

Current ratio

0.69▼

2023 · 0.82

Quick ratio

0.62▼

2023 · 0.72

Debt / equity

1.69▲

2023 · 1.34

ROE

23.7%▲

2023 · -14.5%

ROA

8.8%▲

2023 · -6.2%

Interest coverage

6.98▲

2023 · 2.92

Debt

€290k▼

2023 · €309k

Debt ≤ 1 year

€261k▲

2023 · €207k

Debt > 1 year

€30k▼

2023 · €101k

Income taxes

€4k▲

2023 · €135

Staff costs

€316k▲

2023 · €212k

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€539k€463k▼

Fixed assets21/28€369k€283k▼

Intangible fixed assets21€228k€186k▼

Tangible fixed assets22/27€141k€97k▼

Plant, machinery and equipment23€122k€91k▼

Furniture and vehicles24€19k€5k▼

Financial fixed assets28€125-

Current assets29/58€170k€180k▲

Stocks and contracts in progress3€20k€19k▼

Stocks30/36€20k€19k▼

Amounts receivable within one year40/41€50k€112k▲

Trade receivables40€13k€69k▲

Other amounts receivable41€36k€42k▲

Cash at bank and in hand54/58€95k€42k▼

Deferred charges and accrued income490/1€6k€7k▲

Equity and liabilities

Total equity and liabilities10/49€539k€463k▼

Equity10/15€230k€172k▼

Contributions10/11€45k€45k=

Reserves13€185k€127k▼

Distributable reserves133€185k€127k▼

Amounts payable17/49€309k€290k▼

Amounts payable after more than one year17€101k€30k▼

Financial debts170/4€101k€30k▼

Amounts payable within one year42/48€207k€261k▲

Current portion of amounts payable after more than one year42€77k€71k▼

Financial debts43€25k-

Credit institutions430/8€25k-

Trade debts44€52k€48k▼

Suppliers440/4€52k€48k▼

Taxes, remuneration and social security45€54k€43k▼

Taxes450/3€17k€10k▼

Remuneration and social security454/9€37k€34k▼

Other amounts payable47/48-€98k

Accrued charges and deferred income492/3€384-

Income statement Code20232024

Remuneration, social security and pensions62€212k€316k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€86k€82k▼

Other operating charges640/8€16k€19k▲

Non-recurring operating charges66A€150€125▼

Gross operating margin9900€307k€475k▲

Operating profit (loss)9901€-7k€58k▲

Financial income75/76B€837€7k▲

Recurring financial income75€837€7k▲

Financial charges65/66B€27k€20k▼

Recurring financial charges65€27k€20k▼

Profit (loss) for the period before taxes9903€-33k€45k▲

Income taxes67/77€135€4k▲

Profit (loss) for the period9904€-33k€41k▲

Profit (loss) for the period to be appropriated9905€-33k€41k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-33k€41k▲

Transfer from equity791/2€33k€58k▲

Profit to be distributed694/7-€98k

Return on contributions (dividend)694-€98k

Social balance

Average headcount (FTE)90876.76.7=

The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 11Financial 5Filings 6

2025

29-09

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema · 60 days late

2024

31-12

Financial Back to profitnet €41k

Net result €41k after 2 loss-making years.

19-09

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema · 50 days late

2023

31-12

Financial Weakest financial yearnet €-33k

Net result drops to €-33k, the lowest in the series; recovery starts the following year.

25-09

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema · 56 days late

2022

29-09

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema · 60 days late

2021

31-12

Financial Highest result since 2019net €111k ▲62.7%

Operating result €141k, net result €111k, both a record.

31-12

Financial Equity above €200kEq €244k ▲83.6%

3 profitable years in a row build equity to €244k.

30-09

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 61 days late

2020

31-12

Financial Equity above €100kEq €133k ▲72%

2 profitable years in a row build equity to €133k.

29-09

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 60 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

4 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, Oostende · 2 establishment units since 2018

establishment approximate All 2 establishment units on the map

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.

Bonenstraat 178400 Oostende

Ground area

1,763 m²

Building footprint

876 m²

Volume, LiDAR

13,979 m³

2 parcels, Flanders · tallest building 28.3 m, ±8 floors. Linked by address, not a title deed.

2 establishment units

't Zeezotje

Bonenstraat 17, 8400 OostendeFood and beverage service activities

since 20182.274.194.395

Tapavino

Zeedijk(Kok) 439, 8670 KoksijdeFood and beverage service activities

since 20222.332.185.945

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
38502F0162/00M000	Flanders	1,159 m²	1 · 876 m²	28.3 m · 8 fl.
35013A4643/00A000	Flanders	605 m²	-	-

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.

Public money · subsidies and aid

Flemish government

2022 to 2024 · 3 entries · 757 EUR awarded · 757 EUR paid

Year	Entries	awarded	paid
2024	1	176 EUR	176 EUR
2023	1	176 EUR	176 EUR
2022	1	405 EUR	405 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

3 entries · 757 EUR · 757 EUR paid · Fonds voor Innoveren en Ondernemen

Recognitions · licences · registrations

Food safety, FASFC

2 sites

Koksijde2.332.185.945

1 permission

Toelating · Eetgelegenheid · since 21-06-2022

Oostende2.274.194.395

1 permission

Toelating · Eetgelegenheid · since 22-05-2025

Dual-learning approval

3 live approvals

Keukenmedewerker (vwo)

Goedgekeurd · 2025 to 2030

Keukenmedewerker duaal (so)

Goedgekeurd · 2025 to 2030

Restaurant en keuken duaal (so)

Goedgekeurd · 2025 to 2030

Similar companies · same sector, comparable size

Sint-Gillis (bij-Brussel) · Eq €172k

Of 20,495 companies in sector 56111 we hold annual accounts for 11,455. 8,838 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded21-03-2018

Fiscal year end31-12

Trade name NL RUBENS

Activities, NACEBEL

56101Full-service restaurants

56111Full-service restaurants

56102Limited-service restaurants

56112Limited-service restaurants, excluding mobile food services

Sources

Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers

Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.