NAJJAR FRERES
ActiveThe computed 12-month bankruptcy probability of NAJJAR FRERES is 3.4% (moderate). The annual accounts of NAJJAR FRERES for fiscal year 2025 show a net loss of 58% of total assets and of 85% of the equity at the start of that year. The 2025 annual accounts show equity of €4k and a net result of €-21k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 33% of 13240 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
34
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-81
Solvency35▼-45
Growth22▼-36
Track record100
Bankruptcy probability, 12 months
3.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.11 against 2.13 in 2024; short-term debt: 90.1% and cash: 56% of total assets), and 90.1% 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.
−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 →
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 2025Solvency, return and age of the figures
Solvency
9.9%
Return on assets
-57.6%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-07-2026, 13 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
13 d early
2024
3 d early
2023
29 d late
2022
26 d late
2021
31 d late
2020
31 d late
2019
70 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€76k▼ 26.0%
2023 · €103k
2023: €103k
2023 → 2025
EBIT margin
-28.1%▼ 38.2pp
2023 · 10.1%
2023: 10.1%
2023 → 2025
Net result
€-21k
2024 · €4k
2018: €-10k
2019: €-7k
2020: €-15k
2021: €680
2022: €2k
2023: €11k
2024: €4k
2018 → 2025
Working capital
€4k▼ 84.1%
2024 · €23k
2018: €28k
2019: €21k
2020: €6k
2021: €-167
2022: €4k
2023: €17k
2024: €23k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€103k€76k
Equity€8k-€10k▲ 25.8%€21k▲ 112%€25k▲ 20.6%€4k▼ 85.4%
Operating result€-3k-€2k€10k▲ 377%€4k▼ 58.0%€-21k
Net result€680-€2k▲ 197%€11k▲ 443%€4k▼ 60.8%€-21k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €21k after €4k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €37k
Equity
€4k▼ 85.4%
Debt
€34k▲ 64.5%
The debt ratio rises from 44.8% to 90.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-19k▼
2024 · €6k
Cash flow
€-19k▼
2024 · €6k
Solvency
9.9%▼
2024 · 55.2%
Current ratio
1.11▼
2024 · 2.13
Quick ratio
0.90▼
2024 · 1.66
Debt / equity
9.12▲
2024 · 0.81
ROE
-582.7%▼
2024 · 17.1%
ROA
-57.6%▼
2024 · 9.4%
Interest coverage
-335.18▼
2024 · 136.63
Debt
€34k▲
2024 · €20k
Debt ≤ 1 year
€34k▲
2024 · €20k
Staff costs
€18k▲
2024 · €15k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€46k€37k▼
Fixed assets21/28€2k-
Tangible fixed assets22/27€2k-
Furniture and vehicles24€2k-
Current assets29/58€44k€37k▼
Stocks and contracts in progress3€10k€7k▼
Stocks30/36€10k€7k▼
Amounts receivable within one year40/41€2k€9k▲
Trade receivables40€2k€9k▲
Other amounts receivable41€4€288▲
Cash at bank and in hand54/58€32k€21k▼
Equity and liabilities
Total equity and liabilities10/49€46k€37k▼
Equity10/15€25k€4k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€7k€-15k▼
Amounts payable17/49€20k€34k▲
Amounts payable within one year42/48€20k€34k▲
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Advances received on contracts in progress46-€13k
Taxes, remuneration and social security45€7k€7k▲
Taxes450/3€6k€3k▼
Remuneration and social security454/9€1k€4k▲
Other amounts payable47/48€11k€12k▲
Income statement
Code20242025
Turnover70-€76k
Goods, raw materials, services and sundry goods60/61€64k€77k▲
Remuneration, social security and pensions62€15k€18k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Other operating charges640/8€6k€856▼
Gross operating margin9900€27k€-1k▼
Operating profit (loss)9901€4k€-21k▼
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€46€58▲
Recurring financial charges65€46€58▲
Profit (loss) for the period before taxes9903€4k€-21k▼
Profit (loss) for the period9904€4k€-21k▼
Profit (loss) for the period to be appropriated9905€4k€-21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€-15k▼
Profit (loss) brought forward from the previous period14P€2k€7k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
18-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-21k ▼599%
Net result drops to €-21k, the lowest in the series.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Highest result since 2018net €11k ▲443%
Operating result €10k, net result €11k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 26 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €680
Net result €680 after 3 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 5.20
Current ratio from 2.09 to 5.20; short-term debt falls from €19k to €1k.
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 70 days late
2019
06-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 6 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 58 days late
2016
23-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Anderlecht · 1 establishment unit since 2009
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.
Bergense Steenweg 181070 AnderlechtGround area
204 m²
Building footprint
120 m²
Volume, LiDAR
1,291 m³
Parcel 21305B0189/00H010, Brussels · tallest building 14.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Bergense Steenweg 18, 1070 Anderlecht
since 20092.185.923.506
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21305B0189/00H010 | Brussels | 204 m² | 1 · 120 m² | 14.5 m · 4 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 siteAnderlecht2.185.923.506
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Of 20,494 companies in sector 56111 we hold annual accounts for 11,455. 4,216 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-09-2008
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 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.