NABAM
ActiveThe computed 12-month bankruptcy probability of NABAM is 3.1% (moderate). The 2024 annual accounts show equity of €14k and a net result of €-14k. Equity is shrinking by ~2.5% per year across the filed fiscal years. Its solvency ranks better than 45% of 18944 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
40
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-38
Solvency49▼-15
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
3.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity short (current ratio 0.84 against 1.09 in 2023; short-term debt: 76.2% and cash: 43.6% of total assets), and 76.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · 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
23.8%
Return on assets
-23.7%
Age of the figures
21 mo
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 · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
192021222324
2019 to 2024 · latest year €-14k
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 02-07-2025, 29 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
29 d early
2023
22 d late
2022
66 d late
2021
75 d late
2020
73 d late
2019
95 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€203k
EBIT margin
0.7%
Net result
€-14k▼ 528%
2023 · €-2k
2019: €-2k
2020: €9k
2021: €11k
2022: €-7k
2023: €-2k
2019 → 2024
Working capital
€-7k
2023 · €4k
2019: €7k
2020: €11k
2021: €24k
2022: €8k
2023: €4k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€25k-€36k▲ 42.7%€29k▼ 19.5%€27k▼ 7.4%€14k▼ 49.9%
Operating result€10k-€12k▲ 16.9%€-5k€-636▲ 86.8%€-13k▼ 2,016%
Net result€9k-€11k▲ 27.4%€-7k€-2k▲ 69.5%€-14k▼ 528%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €13k in 2024 against €636 in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €57k
Fixed assets
€21k▼ 11.5%
Current assets
€36k▼ 21.3%
Equity and liabilities €57k
Equity
€14k▼ 49.9%
Debt
€43k▲ 2.4%
The debt ratio rises from 61.0% to 76.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-11k▼
2023 · €4k
Cash flow
€-11k▼
2023 · €3k
Solvency
23.8%▼
2023 · 39.0%
Current ratio
0.84▼
2023 · 1.09
Quick ratio
0.72▼
2023 · 0.94
Debt / equity
3.19▲
2023 · 1.56
ROE
-99.6%▼
2023 · -7.9%
ROA
-23.7%▼
2023 · -3.1%
Interest coverage
-5.72▼
2023 · 2.82
Debt
€43k▲
2023 · €42k
Debt ≤ 1 year
€43k▲
2023 · €42k
Income taxes
€927
Staff costs
€46k▼
2023 · €47k
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€70k€57k▼
Fixed assets21/28€23k€21k▼
Tangible fixed assets22/27€11k€8k▼
Plant, machinery and equipment23€10k€8k▼
Furniture and vehicles24€807€562▼
Financial fixed assets28€13k€13k=
Current assets29/58€46k€36k▼
Stocks and contracts in progress3€6k€5k▼
Stocks30/36€6k€5k▼
Amounts receivable within one year40/41€6k€5k▼
Trade receivables40€3k€2k▼
Other amounts receivable41€3k€4k▲
Cash at bank and in hand54/58€33k€25k▼
Deferred charges and accrued income490/1€889€810▼
Equity and liabilities
Total equity and liabilities10/49€70k€57k▼
Equity10/15€27k€14k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€7k€-7k▼
Amounts payable17/49€42k€43k▲
Amounts payable within one year42/48€42k€43k▲
Current portion of amounts payable after more than one year42€5k-
Trade debts44€10k€14k▲
Suppliers440/4€10k€14k▲
Taxes, remuneration and social security45€16k€16k▼
Taxes450/3€10k€10k▲
Remuneration and social security454/9€6k€6k▼
Other amounts payable47/48€12k€13k▲
Income statement
Code20232024
Remuneration, social security and pensions62€47k€46k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€3k▼
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€3k-
Gross operating margin9900€57k€38k▼
Operating profit (loss)9901€-636€-13k▼
Financial income75/76B€5€3k▲
Recurring financial income75€5€3k▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€-2k€-13k▼
Income taxes67/77-€927
Profit (loss) for the period9904€-2k€-14k▼
Profit (loss) for the period to be appropriated9905€-2k€-14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€-7k▼
Profit (loss) brought forward from the previous period14P€9k€7k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 66 days late
2022
14-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 75 days late
2021
31-12
Financial
Highest result since 2019net €11k ▲27.4%
Operating result €12k, net result €11k, both a record.
12-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 73 days late
2020
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
03-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 95 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Namur · 1 establishment unit since 2018
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 des Brasseurs 195000 NamurGround area
157 m²
Building footprint
157 m²
Volume, LiDAR
2,372 m³
Parcel 92094C0720/00C000, Wallonia · tallest building 22.1 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Arsène café
since 20182.279.033.905
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92094C0720/00C000 | Wallonia | 157 m² | 1 · 157 m² | 22.1 m · 5 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteNamur2.279.033.905
Similar companies · same sector, comparable size
BALUX
BE 0691.805.879
Brussel · Eq €14k
BOULDERZAAL CITY LIZARD
BE 0886.563.271
Sint-Niklaas · Eq €14k
STADSPARK
BE 0450.249.551
Turnhout · Eq €14k
GLOBAL INVEST
BE 0446.283.439
Seraing · Eq €14k
De Borze
BE 0743.454.916
Antwerpen · Eq €14k
Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 3,786 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-08-2018
Fiscal year end31-12
Activities, NACEBEL
56301Cafés and bars
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
90202Performing arts by artistic ensembles
90021Arts creation and performing arts activities
90391Promotion and organisation of arts and performing arts events
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:maudrousseau11@gmail.com
Phone:0494/47.24.28