RoBenSan
ActiveThe computed 12-month bankruptcy probability of RoBenSan is 1.8% (moderate). The 2025 annual accounts show equity of €106k and a net result of €44k. Its solvency ranks better than 80% of 18237 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency96▼-2
Growth78
Track record82
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days only on tighter terms
Liquidity ample (current ratio 2.32 against 1.97 in 2024; short-term debt: 29.3% and cash: 56.7% of total assets), and 29.3% 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 · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
70.7%
Return on assets
29.4%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-06-2026, 50 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
50 d early
2024
21 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€106k▲ 57.3%
2024 · €68k
2024: €68k
2024 → 2025
Total assets
€150k▲ 62.6%
2024 · €92k
2024: €92k
2024 → 2025
Net result
€44k▲ 76.8%
2024 · €25k
2024: €25k
2024 → 2025
Working capital
€58k▲ 140%
2024 · €24k
2024: €24k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€68k-€106k▲ 57.3%
Operating result€32k-€58k▲ 83.3%
Net result€25k-€44k▲ 76.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 83% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €150k
Fixed assets
€48k▲ 11.3%
Current assets
€102k▲ 108%
Equity and liabilities €150k
Equity
€106k▲ 57.3%
Debt
€44k▲ 76.9%
The debt ratio rises from 26.9% to 29.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€68k▲
2024 · €36k
Cash flow
€54k▲
2024 · €30k
Solvency
70.7%▼
2024 · 73.1%
Current ratio
2.32▲
2024 · 1.97
Quick ratio
2.25▲
2024 · 1.86
Debt / equity
0.41▲
2024 · 0.37
ROE
41.6%▲
2024 · 37.0%
ROA
29.4%▲
2024 · 27.1%
Interest coverage
27.63▼
2024 · 51.67
Debt
€44k▲
2024 · €25k
Debt ≤ 1 year
€44k▲
2024 · €25k
Income taxes
€11k▲
2024 · €6k
Staff costs
€36k▲
2024 · €19k
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€92k€150k▲
Fixed assets21/28€43k€48k▲
Tangible fixed assets22/27€40k€45k▲
Plant, machinery and equipment23€18k€14k▼
Furniture and vehicles24€989€12k▲
Other tangible fixed assets26€20k€19k▼
Financial fixed assets28€4k€4k=
Current assets29/58€49k€102k▲
Stocks and contracts in progress3€3k€3k▲
Stocks30/36€3k€3k▲
Amounts receivable within one year40/41€5k€12k▲
Trade receivables40€4k€9k▲
Other amounts receivable41€437€3k▲
Cash at bank and in hand54/58€38k€85k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€92k€150k▲
Equity10/15€68k€106k▲
Contributions10/11€45k€45k=
Profit (loss) carried forward14€23k€61k▲
Amounts payable17/49€25k€44k▲
Amounts payable within one year42/48€25k€44k▲
Trade debts44€10k€15k▲
Suppliers440/4€10k€15k▲
Taxes, remuneration and social security45€11k€26k▲
Taxes450/3€9k€22k▲
Remuneration and social security454/9€2k€4k▲
Other amounts payable47/48€3k€3k▼
Income statement
Code20242025
Remuneration, social security and pensions62€19k€36k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€10k▲
Other operating charges640/8€3k€4k▲
Non-recurring operating charges66A-€62
Gross operating margin9900€58k€108k▲
Operating profit (loss)9901€32k€58k▲
Financial income75/76B€26€12▼
Recurring financial income75€26€12▼
Financial charges65/66B€699€2k▲
Recurring financial charges65€699€2k▲
Profit (loss) for the period before taxes9903€31k€55k▲
Income taxes67/77€6k€11k▲
Profit (loss) for the period9904€25k€44k▲
Profit (loss) for the period to be appropriated9905€25k€44k▲
Appropriation of the result
Profit (loss) to be appropriated9906€25k€67k▲
Profit (loss) brought forward from the previous period14P-€23k
Profit to be distributed694/7€2k€5k▲
Return on contributions (dividend)694€2k€2k=
Directors or managers695-€3k
The notes to these accounts (6 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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €106k ▲57.3%
2 profitable years in a row build equity to €106k.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
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, Liège · 1 establishment unit since 2024
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.
Route du Condroz 4904031 LiègeGround area
1,178 m²
Building footprint
125 m²
Volume, LiDAR
509 m³
Parcel 62002C0714/00_000, Wallonia · tallest building 5.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
La récré des gourmands
since 20242.357.535.708
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62002C0714/00_000 | Wallonia | 1,178 m² | 1 · 125 m² | 5.1 m · 1 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 siteLiège2.357.535.708
Similar companies · same sector, comparable size
VANHERCK BAKKERIJ
BE 0747.802.296
Tienen · Eq €106k
Baert Lowie
BE 0767.959.391
Lokeren · Eq €106k
EDELWEISS
BE 0848.131.178
Machelen (Brab.) · Eq €107k
Bakkers Arne & Ruben
BE 0775.415.921
Kluisbergen · Eq €105k
PATISSERIE ARNOULD
BE 0897.524.172
Saint-Hubert · Eq €107k
Of 2,407 companies in sector 47241 we hold annual accounts for 1,099. 909 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-03-2024
Fiscal year end31-12
Activities, NACEBEL
47241Retail sale of bread and pastry (bakery outlets)
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.