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NOTA & BENE

Active
Private limited companyfounded 198739 years activeRue Marcel Vandy(FW) 34, 5020 Namur, BelgiumKBO/BCE: BE 0431.614.762
Summary

The computed 12-month bankruptcy probability of NOTA & BENE is 4.7% (elevated). The 2024 annual accounts show equity of €86,138 and a net result of €16,182. Equity is growing by ~33.9% per year across the filed fiscal years. Its solvency ranks better than 91% of 18,970 sector peers (NACE 56, fiscal year 2024). The company has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals.

Overview

Activity
Full-service restaurants
NACE 56111
#10 oldest company in Namur, Accommodation and food service sector1 site
Size
€108,066total assets 2024
Equity
€86,138
Profit
€16,182
Financial health
40 Weak Checked score 2024
Bankruptcy probability, 12 months
4.7%
Structure
Accounts 68 days overdue0 of 2 deeds read
Why 40- 1 financial year not filed after the legal deadline; latest accounts 322 days late; 3 of the last 3 late- Size: total assets €108,066- Figures for FY 2024 (filed 18-06-2026)+ Founded in 1987Show the evidence

Checked score

Score 2024
40 / 100
Weak
Probability in this band: 4.2% to 15.0%
Financially better than 65% of its sector peers (NACE 56, micro)
Financial strength · tick = 2022
Strong
Solvency 100=
equity 79.7% of total assets
Liquidity 49+2
short-term debt 16.7% · cash 2.2%
Profitability 75-25
return on assets 15.0%
Bankruptcy probability, 12 months
4.7% Elevated
0%0.5%1.5%4%10%≥ 25%

About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.8% (23,693 companies)
Last 24 months 11-2024: 2.5%lowest value 12-2024: 3.0%▲ +0.5 percentage points vs 11-2024 01-2025: 5.9%▲ +2.9 percentage points vs 12-2024 02-2025: 5.9%● unchanged vs 01-2025 03-2025: 5.9%● unchanged vs 02-2025 04-2025: 5.4%▼ -0.5 percentage points vs 03-2025 05-2025: 5.4%● unchanged vs 04-2025 06-2025: 5.4%● unchanged vs 05-2025 07-2025: 5.4%● unchanged vs 06-2025 08-2025: 7.0%▲ +1.6 percentage points vs 07-2025 09-2025: 7.0%● unchanged vs 08-2025 10-2025: 7.0%● unchanged vs 09-2025 11-2025: 7.7%▲ +0.7 percentage points vs 10-2025highest value 12-2025: 7.7%● unchanged vs 11-2025highest value 01-2026: 7.7%● unchanged vs 12-2025highest value 02-2026: 7.7%● unchanged vs 01-2026highest value 03-2026: 7.7%● unchanged vs 02-2026highest value 04-2026: 7.7%● unchanged vs 03-2026highest value 05-2026: 7.7%● unchanged vs 04-2026highest value 06-2026: 7.7%● unchanged vs 05-2026highest value 07-2026: 6.3%▼ -1.4 percentage points vs 06-2026 08-2026: 7.2%▲ +0.9 percentage points vs 07-2026 09-2026: 7.2%● unchanged vs 08-2026 10-2026: 4.7%▼ -2.5 percentage points vs 09-2026
Credit up to €3,000 at 30 days only on tighter terms
Liquidity ample (current ratio 5.98 against 5.8 in 2022; short-term debt: 16.7% and cash: 2.2% of total assets), and 20.3% of the assets are financed with debt.
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 94% on solvency, 45% on liquidity and 57% on profitability.

The bankruptcy probability was computed on 06-10-2026 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).

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Signals

Five signals.
−lowers risk+raises risk
raises risk · 1 financial year not filed after the legal deadline; latest accounts 322 days late; 3 of the last 3 late
NBB · filings
raises risk · Size: total assets €108,066
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
lowers risk · Founded in 1987
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
raises risk · Figures for FY 2024 (filed 18-06-2026)
NBB · annual accounts
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 18-06-2026, 322 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 filings
Deviation from the deadline
2025
not confirmed
2024
322 days late
2022
88 days late
2021
81 days late
2020
31 days late
2019
7 days early
2018
7 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 87 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
Checked from 2021 on.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2024 · micro…
  2. Annual accounts filedfiscal year 2022 · micro…
  3. Highest result since 2018net €36,184 ▲15.2%

Key points

  • Caution: Accounts not fileddeadline was 31-07-2026 68 days late View
  • Positive: Among the best 10% on solvencysector median 29.1% · 18,970 companies 79.7% View
  • Positive: 6 profitable years in a rowprofit 2024: €16,182 6 years View

By topic

Financials

Fiscal year
2024
Total assets
€108,066
Profit
€16,182
Solvency
79.7%
Total assets▲ 78.9%
Net result
20182024
Go to Financials

Timeline

Events
11
Since
2015
  1. 20-10-2022Annual accounts filed
  2. 31-08-2021Annual accounts filed
  3. 24-07-2020Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Full-service restaurantsNACE 56111
Founded
28-07-1987
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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