Financials
- Financial year
- 2025
- Total assets
- €66,071
- Profit
- €4,371
- Solvency
- 36.9%
NARUMA
ActiveSummary
The computed 12-month bankruptcy probability of NARUMA is 3.2% (moderate). The 2025 annual accounts show equity of €24,371 and a net result of €4,371. Its solvency ranks better than 56% of 16,824 sector peers (NACE 56, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Full-service restaurants
NACE 56111
1 site
Size
€66,071total assets 2025
- Equity
- €24,371
- Profit
- €4,371
Turnover not published (micro format)
Structure
- Mevrouw OLLIVIER NathalieDirector
- VERSCHRAEGEN LilianeDirector
- Vincent BonduweDirector
2025 accounts filed 31 days late
Why 51raises riskFounded in 2024Sector: Food and beverage service activities (NACE 56)Size: total assets €66,071lowers riskLiquidity: current ratio 0.67, cash €23,358Show the evidence
Checked score
Score 2025
51
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 61% of its sector peers (NACE 56, micro)
Financial strength
Strong
Solvency
62
equity 36.9% of total assets
Liquidity
61
short-term debt 62.6% · cash 35.4%
Profitability
77
return on assets 6.6%
Bankruptcy probability, 12 months
3.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2025: 3.9%
12-2025: 4.0%▲ +0.1 percentage points vs 11-2025
01-2026: 4.1%▲ +0.1 percentage points vs 12-2025
02-2026: 4.6%▲ +0.5 percentage points vs 01-2026
03-2026: 4.6%● unchanged vs 02-2026
04-2026: 4.9%▲ +0.3 percentage points vs 03-2026
05-2026: 5.3%▲ +0.4 percentage points vs 04-2026highest value
06-2026: 5.3%● unchanged vs 05-2026highest value
07-2026: 5.2%▼ -0.1 percentage points vs 06-2026
08-2026: 5.1%▼ -0.1 percentage points vs 07-2026
09-2026: 3.1%▼ -2.0 percentage points vs 08-2026lowest value
10-2026: 3.2%▲ +0.1 percentage points vs 09-2026
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity insufficient (current ratio 0.67, below 1; short-term debt: 62.6% and cash: 35.4% of total assets), and 63.1% of the assets are financed with debt and provisions.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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): better than 57% on solvency, 65% on liquidity and 61% on profitability.
The bankruptcy probability was computed on 24-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
31 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
- Appointment: Vincent Bonduwe (director)Gazette deed
- IncorporationAppointments: OLLIVIER Nathalie (director) and…
Key points
By topic
Board & ownership
- Board
- 3 members
- Mevrouw OLLIVIER NathalieDirector
- VERSCHRAEGEN LilianeDirector
- Vincent BonduweDirector
Timeline
- Events
- 3
- Since
- 2024
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Full-service restaurantsNACE 56111
- Founded
- 14-10-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 14
- Annual meeting
- Last Monday of June at 19:00
- Purpose
- “Alle activiteiten in de horecasector en het horecabedrijf in de ruimste zin van het woord…” (deed in Dutch)
Key facts about NARUMA
- What is the company number of NARUMA?
- 1015.051.451. In Belgium the VAT number is the company number with BE in front: BE 1015.051.451.
- Where is NARUMA based?
- The registered office is at Onze-Lieve-Vrouwstraat 27, 8760 Tielt.Company details
- What does NARUMA do?
- According to the KBO register, the main activity is full-service restaurants (NACE 56111).
- What is the legal form of NARUMA?
- Private limited company (BV).
- When was NARUMA founded?
- On 14-10-2024.
- Is NARUMA still active?
- Yes, NARUMA is an active enterprise in the KBO register.
- What is the turnover of NARUMA?
- Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
- Is NARUMA profitable?
- In financial year 2025, NARUMA made a profit of €4,371.
- Where can I find the annual accounts of NARUMA?
- NARUMA filed 1 annual account with the National Bank of Belgium, for financial year 2025.
Companies related to NARUMA
Comparable companies
- KAIJUSint-Gillis (bij-Brussel)
- HAS-MESElsene
- AsmitaMechelen
- ATLAS EATSGent
- My Tannour AtelierZaventem
Go further with this company
How much credit can you give this customer, and on what payment terms?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark Roughly what is this company worth?Value indication
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.