REGALO 58
ActiveSummary
The computed 12-month bankruptcy probability of REGALO 58 is 5.3% (elevated). The 2025 annual accounts show equity of €67k and a net result of €7k. Equity is growing by ~8.8% per year across the filed fiscal years. Its solvency ranks better than 82% of 13306 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. An elevated bankruptcy probability caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78=
Solvency94▲+18
Growth52=
Track record100
Bankruptcy probability, 12 months
5.3%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days only on tighter terms
Liquidity ample (current ratio 3.17 against 1.97 in 2024; short-term debt: 31.1% and cash: 34.7% of total assets), and 31.1% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
68.9%
Return on assets
7.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
21 d late
2024
204 d late
2023
134 d late
2022
17 d late
2021
85 d late
2020
62 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€67k▲ 11.8%
2024 · €60k
2020: €35k
2021: €58k
2022: €67k
2023: €69k
2024: €60k
2020 → 2025
Total assets
€97k▼ 17.9%
2024 · €118k
2020: €50k
2021: €71k
2022: €95k
2023: €82k
2024: €118k
2020 → 2025
Net result
€7k▼ 17.0%
2024 · €8k
2020: €29k
2021: €23k
2022: €9k
2023: €2k
2024: €8k
2020 → 2025
Working capital
€65k▲ 15.7%
2024 · €57k
2020: €35k
2021: €45k
2022: €54k
2023: €61k
2024: €57k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€58k-€67k▲ 15.0%€69k▲ 3.7%€60k▼ 13.8%€67k▲ 11.8%
Operating result€23k-€16k▼ 31.8%€7k▼ 57.3%€39k▲ 486%€3k▼ 92.6%
Net result€23k-€9k▼ 62.0%€2k▼ 71.9%€8k▲ 246%€7k▼ 17.0%
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 2025; 2025 is 93% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €97k
Fixed assets
€1k▼ 59.4%
Current assets
€96k▼ 16.8%
Equity and liabilities €97k
Equity
€67k▲ 11.8%
Debt
€30k▼ 48.4%
The debt ratio falls from 49.5% to 31.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€5k▼
2024 · €45k
Cash flow
€9k▼
2024 · €14k
Solvency
68.9%▲
2024 · 50.5%
Current ratio
3.17▲
2024 · 1.97
Quick ratio
1.86▲
2024 · 1.62
Debt / equity
0.45▼
2024 · 0.98
ROE
10.6%▼
2024 · 14.2%
ROA
7.3%▲
2024 · 7.2%
Interest coverage
61.42▼
2024 · 521.94
Debt
€30k▼
2024 · €58k
Debt ≤ 1 year
€30k▼
2024 · €58k
Income taxes
€-4k▼
2024 · €31k
Staff costs
€53k▼
2024 · €55k
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€118k€97k▼
Fixed assets21/28€3k€1k▼
Tangible fixed assets22/27€3k€1k▼
Furniture and vehicles24€1k-
Other tangible fixed assets26€2k€1k▼
Current assets29/58€115k€96k▼
Stocks and contracts in progress3€20k€40k▲
Stocks30/36€20k€40k▲
Amounts receivable within one year40/41€14k€22k▲
Other amounts receivable41€14k€22k▲
Cash at bank and in hand54/58€81k€34k▼
Equity and liabilities
Total equity and liabilities10/49€118k€97k▼
Equity10/15€60k€67k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€53k€60k▲
Amounts payable17/49€58k€30k▼
Amounts payable within one year42/48€58k€30k▼
Trade debts44€7k€31▼
Suppliers440/4€7k€31▼
Taxes, remuneration and social security45€33k€8k▼
Taxes450/3€18k-
Remuneration and social security454/9€16k€8k▼
Other amounts payable47/48€18k€22k▲
Income statement
Code20242025
Remuneration, social security and pensions62€55k€53k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€2k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€101k€60k▼
Operating profit (loss)9901€39k€3k▼
Financial income75/76B-€39
Recurring financial income75-€39
Financial charges65/66B€85€77▼
Recurring financial charges65€85€77▼
Profit (loss) for the period before taxes9903€39k€3k▼
Income taxes67/77€31k€-4k▼
Profit (loss) for the period9904€8k€7k▼
Profit (loss) for the period to be appropriated9905€8k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€71k€60k▼
Profit (loss) brought forward from the previous period14P€63k€53k▼
Profit to be distributed694/7€18k-
Directors or managers695€18k-
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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
20-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 204 days late
2024
12-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 134 days late
2023
31-12
Financial
Weakest financial yearnet €2k ▼71.9%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
24-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 85 days late
2021
01-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 62 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sint-Jans-Molenbeek · 1 establishment unit since 2019
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.
Gentsesteenweg 581080 Sint-Jans-MolenbeekGround area
92 m²
Building footprint
92 m²
Volume, LiDAR
1,501 m³
Parcel 21522B0516/00W000, Brussels · tallest building 20.3 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
REGALO 58
since 20192.293.038.923
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21522B0516/00W000 | Brussels | 92 m² | 1 · 92 m² | 20.3 m · 6 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 siteSint-Jans-Molenbeek2.293.038.923
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Of 21,888 companies in sector 56112 we hold annual accounts for 9,780. 8,202 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-06-2019
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 24-09-2026. Scores and ratios are computed by Checked and are not a credit decision.