Papa Jos

Active

Private limited companyfounded 20233 yrs activeBlindestraat 39, 2000 Antwerpen, BelgiumKBO/BCE: BE 0804.369.332

The computed 12-month bankruptcy probability of Papa Jos is 4.8% (elevated). The 2024 annual accounts show equity of €45k and a net result of €25k. Its solvency ranks better than 60% of 18940 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

57 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes

Profitability97

Solvency65

Growth-

Track record79

Bankruptcy probability, 12 months

4.8% Elevated

0%0.5%1.5%4%10%≥ 25%

Credit up to €2.5k at 30 days only on tighter terms

Liquidity short (current ratio 0.71; short-term debt: 59.6% and cash: 17.4% of total assets), and 59.6% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

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 →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 2024

Solvency, return and age of the figures

Solvency

40.4%

Return on assets

22.6%

Age of the figures

21 mo

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 18-11-2025, 110 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 · 1 filing

Deviation from the deadline

2024

110 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€45k

Total assets

€112k

Net result

€25k

Working capital

€-20k

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition

Assets €112k

58.0%

42.0%

Fixed assets €65k

Current assets €47k

Equity and liabilities €112k

40.4%

59.6%

Equity €45k

Debt €67k

Debt finances 59.6% of the balance-sheet total.

Key figures and ratios

2024 value

EBITDA

€35k

Cash flow

€28k

Solvency

40.4%

Current ratio

0.71

Quick ratio

0.71

Debt / equity

1.48

ROE

55.9%

ROA

22.6%

Interest coverage

95.99

Debt

€67k

Debt ≤ 1 year

€67k

Income taxes

€7k

Staff costs

€75k

Filed annual accounts

As filed with the NBB · 2024

Balance sheet Code2024

Assets

Total assets20/58€112k

Fixed assets21/28€65k

Intangible fixed assets21€60k

Tangible fixed assets22/27€5k

Plant, machinery and equipment23€3k

Furniture and vehicles24€2k

Current assets29/58€47k

Amounts receivable within one year40/41€28k

Trade receivables40€25k

Other amounts receivable41€3k

Cash at bank and in hand54/58€20k

Equity and liabilities

Total equity and liabilities10/49€112k

Equity10/15€45k

Contributions10/11€20k

Reserves13€25k

Distributable reserves133€25k

Amounts payable17/49€67k

Amounts payable within one year42/48€67k

Current portion of amounts payable after more than one year42€30k

Trade debts44€18k

Suppliers440/4€18k

Taxes, remuneration and social security45€18k

Taxes450/3€14k

Remuneration and social security454/9€4k

Other amounts payable47/48€103

Income statement Code2024

Remuneration, social security and pensions62€75k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k

Other operating charges640/8€5k

Gross operating margin9900€115k

Operating profit (loss)9901€32k

Financial income75/76B€0

Recurring financial income75€0

Financial charges65/66B€369

Recurring financial charges65€369

Profit (loss) for the period before taxes9903€32k

Income taxes67/77€7k

Profit (loss) for the period9904€25k

Profit (loss) for the period to be appropriated9905€25k

Appropriation of the result

Profit (loss) to be appropriated9906€25k

Transfer to equity691/2€25k

To other reserves6921€25k

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2025

18-11

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 110 days late

NBB filing

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, Antwerpen · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Blindestraat 392000 Antwerpen

Ground area

92 m²

Building footprint

92 m²

Volume, LiDAR

1,051 m³

Parcel 11802B0786/00C000, Flanders · tallest building 14.2 m, ±4 floors. Linked by address, not a title deed.

1 establishment unit

Papa Jos

Blindestraat 39, 2000 AntwerpenFood and beverage service activities

since 20232.347.957.353

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11802B0786/00C000 ProtectedMonumentKoninklijke Academie voor Schone KunstenSource ↗	Flanders	92 m²	1 · 92 m²	14.2 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.

1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).

Recognitions · licences · registrations

Food safety, FASFC

1 site

Antwerpen2.347.957.353

1 permission

Toelating · Eetgelegenheid · since 10-08-2023

Similar companies · same sector, comparable size

Of 14,028 companies in sector 56301 we hold annual accounts for 4,893. 4,087 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded28-07-2023

Fiscal year end31-12

Activities, NACEBEL

56301Cafés and bars

56102Limited-service restaurants

56112Limited-service restaurants, excluding mobile food services

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers

Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.