REGINA'S
ActiveThe computed 12-month bankruptcy probability of REGINA'S is 2.6% (moderate). The 2025 annual accounts show equity of €66k and a net result of €2k. Equity is growing by ~40.1% per year across the filed fiscal years. Its solvency ranks better than 65% of 13159 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability36▼-63
Solvency73▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.47 against 1.58 in 2024; short-term debt: 52.4% and cash: 21.4% of total assets), and 52.4% 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 →
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
47.6%
Return on assets
1.4%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 10 filingsDeviation from the deadline
2025
25 d late
2024
29 d late
2023
28 d late
2022
161 d late
2021
95 d late
2020
40 d late
2019
27 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€66k▲ 3.1%
2024 · €64k
2018: €-43k
2021: €35k
2022: €14k
2023: €33k
2024: €64k
2018 → 2025
Total assets
€140k▲ 5.8%
2024 · €132k
2018: €21k
2021: €72k
2022: €114k
2023: €96k
2024: €132k
2018 → 2025
Net result
€2k▼ 93.7%
2024 · €32k
2018: €-28k
2021: €8k
2022: €-21k
2023: €19k
2024: €32k
2018 → 2025
Working capital
€35k▼ 11.0%
2024 · €39k
2018: €-50k
2021: €15k
2022: €-20k
2023: €6k
2024: €39k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€35k-€14k▼ 59.3%€33k▲ 130%€64k▲ 96.3%€66k▲ 3.1%
Operating result€10k-€-16k€13k€42k▲ 213%€9k▼ 79.2%
Net result€8k-€-21k€19k€32k▲ 70.6%€2k▼ 93.7%
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 79% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €140k
Fixed assets
€32k▲ 24.9%
Current assets
€108k▲ 1.2%
Equity and liabilities €140k
Equity
€66k▲ 3.1%
Debt
€73k▲ 8.3%
The debt ratio rises from 51.2% to 52.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€16k▼
2024 · €47k
Cash flow
€9k▼
2024 · €37k
Solvency
47.6%▼
2024 · 48.8%
Current ratio
1.47▼
2024 · 1.58
Quick ratio
1.31▼
2024 · 1.37
Debt / equity
1.10▲
2024 · 1.05
ROE
3.0%▼
2024 · 49.1%
ROA
1.4%▼
2024 · 23.9%
Interest coverage
1.87▼
2024 · 8.60
Debt
€73k▲
2024 · €68k
Debt ≤ 1 year
€73k▲
2024 · €68k
Income taxes
€349▼
2024 · €6k
Staff costs
€236k▼
2024 · €241k
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€132k€140k▲
Fixed assets21/28€25k€32k▲
Tangible fixed assets22/27€25k€31k▲
Plant, machinery and equipment23€20k€26k▲
Furniture and vehicles24€5k€6k▲
Financial fixed assets28€296€296=
Current assets29/58€107k€108k▲
Stocks and contracts in progress3€14k€12k▼
Stocks30/36€14k€12k▼
Amounts receivable within one year40/41€49k€66k▲
Trade receivables40€35k€51k▲
Other amounts receivable41€13k€15k▲
Cash at bank and in hand54/58€44k€30k▼
Deferred charges and accrued income490/1-€542
Equity and liabilities
Total equity and liabilities10/49€132k€140k▲
Equity10/15€64k€66k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€46k€48k▲
Amounts payable17/49€68k€73k▲
Amounts payable within one year42/48€68k€73k▲
Current portion of amounts payable after more than one year42€17k€14k▼
Trade debts44€33k€30k▼
Suppliers440/4€33k€30k▼
Taxes, remuneration and social security45€19k€29k▲
Taxes450/3€3k€12k▲
Remuneration and social security454/9€16k€16k▲
Income statement
Code20242025
Remuneration, social security and pensions62€241k€236k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€7k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€290k€253k▼
Operating profit (loss)9901€42k€9k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€5k€8k▲
Recurring financial charges65€5k€8k▲
Profit (loss) for the period before taxes9903€37k€2k▼
Income taxes67/77€6k€349▼
Profit (loss) for the period9904€32k€2k▼
Profit (loss) for the period to be appropriated9905€32k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€46k€48k▲
Profit (loss) brought forward from the previous period14P€14k€46k▲
The notes to these accounts (8 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €32k ▲70.6%
Operating result €42k, net result €32k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
08-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 161 days late
2023
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 95 days late
2021
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
31-12
Financial
Liquidity times 6current ratio 1.40
Current ratio from 0.22 to 1.40; short-term debt falls from €64k to €37k.
09-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 40 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
10-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 10 days late
2018
22-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Sint-Lambrechts-Woluwe · 1 establishment unit since 2014
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.
Roodebeeksteenweg 2051200 Sint-Lambrechts-WoluweGround area
313 m²
Building footprint
261 m²
Volume, LiDAR
2,124 m³
Parcel 21672C0002/00D002, Brussels · tallest building 14.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
regina's
since 20142.230.973.373
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21672C0002/00D002 | Brussels | 313 m² | 1 · 261 m² | 14.1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Lambrechts-Woluwe2.230.973.373
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,784. 8,210 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded20-03-2014
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 12 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.