NARUDAL
ActiveThe computed 12-month bankruptcy probability of NARUDAL is 1.5% (moderate). The 2024 annual accounts show equity of €25k and a net result of €3k. Equity is growing by ~24.6% per year across the filed fiscal years. Its solvency ranks better than 85% of 18939 sector peers (fiscal year 2024). The company has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability58▼-42
Solvency96▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Liquidity ample (current ratio 3.44 against 3.98 in 2023; short-term debt: 29% and cash: 1.5% of total assets), and 29% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 · 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
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
71%
Return on assets
8%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-10-2025, 91 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
91 d late
2023
61 d late
2022
60 d late
2021
61 d late
2020
61 d late
2019
28 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€25k▲ 12.7%
2023 · €23k
2018: €10k
2019: €7k
2020: €8k
2021: €9k
2022: €14k
2023: €23k
2018 → 2024
Total assets
€36k▲ 18.9%
2023 · €30k
2018: €15k
2019: €27k
2020: €18k
2021: €23k
2022: €20k
2023: €30k
2018 → 2024
Net result
€3k▼ 68.3%
2023 · €9k
2018: €-404
2019: €-3k
2020: €1k
2021: €809
2022: €5k
2023: €9k
2018 → 2024
Working capital
€25k▲ 12.7%
2023 · €23k
2018: €10k
2019: €7k
2020: €8k
2021: €9k
2022: €14k
2023: €23k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€8k-€9k▲ 10.0%€14k▲ 51.0%€23k▲ 67.1%€25k▲ 12.7%
Operating result€1k-€809▼ 32.7%€5k▲ 544%€12k▲ 121%€4k▼ 68.8%
Net result€1k-€809▼ 30.2%€5k▲ 464%€9k▲ 98.5%€3k▼ 68.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 69% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €36k
Equity
€25k▲ 12.7%
Debt
€10k▲ 37.5%
The debt ratio rises from 25.1% to 29.0%. Equity and debt are higher.
Key figures and ratios
Solvency
71.0%▼
2023 · 74.9%
Current ratio
3.44▼
2023 · 3.98
Quick ratio
3.30▼
2023 · 3.78
Debt / equity
0.41▲
2023 · 0.34
ROE
11.3%▼
2023 · 40.1%
ROA
8.0%▼
2023 · 30.1%
Debt
€10k▲
2023 · €8k
Debt ≤ 1 year
€10k▲
2023 · €8k
Income taxes
€718▼
2023 · €2k
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€30k€36k▲
Current assets29/58€30k€36k▲
Stocks and contracts in progress3€2k€2k=
Stocks30/36€2k€2k=
Amounts receivable within one year40/41€26k€34k▲
Trade receivables40€15k€15k=
Other amounts receivable41€11k€19k▲
Cash at bank and in hand54/58€3k€529▼
Equity and liabilities
Total equity and liabilities10/49€30k€36k▲
Equity10/15€23k€25k▲
Contributions10/11€7k€7k=
Reserves13€16k€19k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€16k€19k▲
Amounts payable17/49€8k€10k▲
Amounts payable within one year42/48€8k€10k▲
Trade debts44€4k€4k▲
Suppliers440/4€4k€4k▲
Taxes, remuneration and social security45€4k€6k▲
Taxes450/3€4k€6k▲
Other amounts payable47/48€0-
Income statement
Code20232024
Gross operating margin9900€12k€4k▼
Operating profit (loss)9901€12k€4k▼
Profit (loss) for the period before taxes9903€12k€4k▼
Income taxes67/77€2k€718▼
Profit (loss) for the period9904€9k€3k▼
Profit (loss) for the period to be appropriated9905€9k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€3k▼
Transfer to equity691/2€9k€3k▼
To other reserves6921€9k€3k▼
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 91 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Highest result since 2018net €9k ▲98.5%
Operating result €12k, net result €9k, both a record.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Back to profitnet €1k
Net result €1k after 2 loss-making years.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Frasnes-lez-Anvaing · 1 establishment unit since 2001
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.
Chaussée de Renaix(A) 397910 Frasnes-lez-AnvaingGround area
90 m²
Building footprint
57 m²
Volume, LiDAR
491 m³
Parcel 51001A0244/00R002, Wallonia · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ALOHA CLUB
since 20012.093.132.712
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51001A0244/00R002 | Wallonia | 90 m² | 1 · 57 m² | 10.2 m · 3 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.
Similar companies · same sector, comparable size
BLUESETTE
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KALITA
BE 0816.871.939
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FABIPHIL
BE 0832.217.735
Sint-Gillis (bij-Brussel) · Eq €25k
AGEBA
BE 0455.012.449
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Bâtard
BE 0801.385.195
Vilvoorde · Eq €25k
Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 4,057 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-10-2000
Fiscal year end31-12
Activities, NACEBEL
55401
56301Cafés and bars
55302
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
71340
77399Renting and leasing of other machinery, equipment and tangible goods
90311Arts creation and performing arts activities
Sources
Crossroads Bank for EnterprisesNational Bank · 23 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.