SB
ActiveSummary
The computed 12-month bankruptcy probability of SB is 2.1% (moderate). The 2024 annual accounts show equity of €35k and a net result of €-25k. Equity is growing by ~14.6% per year across the filed fiscal years. Its solvency ranks better than 77% of 18936 sector peers (fiscal year 2024). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-64
Solvency86▼-14
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Liquidity ample (current ratio 2.45 against 5.47 in 2023; short-term debt: 39.1% and cash: 0.7% of total assets), and 39.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · 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 2024Solvency, return and age of the figures
Solvency
60.8%
Return on assets
-42.9%
Age of the figures
24 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
raises risk · Annual accounts not filed
The financial year that closed on 30-09-2025 was due at the National Bank by 30-04-2026. Nothing is on record, 148 days later.
NBB · 10 filingsPosition against the passed deadline
30-09-2025 close30-04-2026 deadline25-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2024 was due by 30-04-2025 and was filed on 25-03-2025, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not filed
2024
36 d early
2023
90 d late
2022
369 d late
2021
2 d early
2020
46 d early
2019
29 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€35k▼ 41.4%
2023 · €60k
2018: €24klowest in 7 years
2019: €28k▲ +15.7% vs 2018
2020: €47k▲ +71.6% vs 2019
2021: €56k▲ +18.0% vs 2020
2022: €53k▼ -5.8% vs 2021
2023: €60k▲ +14.6% vs 2022highest in 7 years
2024: €35k▼ -41.4% vs 2023
2018 → 2024
Total assets
€58k▼ 20.6%
2023 · €73k
2018: €32klowest in 7 years
2019: €55k▲ +73.1% vs 2018
2020: €55k▲ +0.1% vs 2019
2021: €67k▲ +20.3% vs 2020
2022: €64k▼ -4.6% vs 2021
2023: €73k▲ +15.0% vs 2022highest in 7 years
2024: €58k▼ -20.6% vs 2023
2018 → 2024
Net result
€-25k
2023 · €8k
2018: €2k
2019: €-9k▼ -492% vs 2018
2020: €20k▲ +327% vs 2019highest in 7 years
2021: €9k▼ -56.8% vs 2020
2022: €-3k▼ -138% vs 2021
2023: €8k▲ +335% vs 2022
2024: €-25k▼ -425% vs 2023lowest in 7 years
2018 → 2024
Working capital
€33k▼ 42.9%
2023 · €58k
2018: €21klowest in 7 years
2019: €25k▲ +18.4% vs 2018
2020: €25k▼ -0.2% vs 2019
2021: €53k▲ +115% vs 2020
2022: €50k▼ -6.1% vs 2021
2023: €58k▲ +15.3% vs 2022highest in 7 years
2024: €33k▼ -42.9% vs 2023
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€47k-€56k▲ 18.0%€53k▼ 5.8%€60k▲ 14.6%€35k▼ 41.4%
2020: €47k
2021: €56k▲ +18.0% vs 2020
2022: €53k▼ -5.8% vs 2021
2023: €60k▲ +14.6% vs 2022highest in 5 years
2024: €35k▼ -41.4% vs 2023lowest in 5 years
Operating result€21k-€11k▼ 46.2%€-6k€7k€-28k
2020: €21khighest in 5 years
2021: €11k▼ -46.2% vs 2020
2022: €-6k▼ -157% vs 2021
2023: €7k▲ +210% vs 2022
2024: €-28k▼ -493% vs 2023lowest in 5 years
Net result€20k-€9k▼ 56.8%€-3k€8k€-25k
2020: €20khighest in 5 years
2021: €9k▼ -56.8% vs 2020
2022: €-3k▼ -138% vs 2021
2023: €8k▲ +335% vs 2022
2024: €-25k▼ -425% vs 2023lowest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €28k after €7k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €58k
Fixed assets
€2k ▼ 3.7%
Current assets
€56k ▼ 21.2%
Equity and liabilities €58k
Equity
€35k ▼ 41.4%
Debt
€23k ▲ 76.6%
Debt's share of the balance-sheet total rises from 17.6% to 39.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-28k
Cash flow
€-25k
Current ratio
2.45▼
2023 · 5.47
Quick ratio
2.34▼
2023 · 5.38
Debt to equity
0.65▲
2023 · 0.21
ROE
-70.6%▼
2023 · 12.7%
ROA
-42.9%▼
2023 · 10.5%
Interest coverage
-72.08
Debt ≤ 1 year
€23k▲
2023 · €13k
Income taxes
€339▼
2023 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 43 lines
Balance sheet
Code20232024
Assets
Total assets20/58€73k€58k▼
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€933€840▼
Furniture and vehicles24€933€840▼
Financial fixed assets28€2k€2k=
Current assets29/58€71k€56k▼
Stocks and contracts in progress3€1k€2k▲
Stocks30/36€1k€2k▲
Amounts receivable within one year40/41€68k€51k▼
Other amounts receivable41€68k€51k▼
Cash at bank and in hand54/58€61€433▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€73k€58k▼
Equity10/15€60k€35k▼
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€40k€15k▼
Amounts payable17/49€13k€23k▲
Amounts payable within one year42/48€13k€23k▲
Trade debts44€4k€21k▲
Suppliers440/4€4k€21k▲
Taxes, remuneration and social security45€9k€2k▼
Taxes450/3€9k€2k▼
Accrued charges and deferred income492/3-€50
Income statement
Code20232024
Remuneration, social security and pensions62€3k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€93
Other operating charges640/8€1k€5k▲
Gross operating margin9900€11k€-23k▼
Operating profit (loss)9901€7k€-28k▼
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€94€383▲
Recurring financial charges65€94€383▲
Profit (loss) for the period before taxes9903€10k€-25k▼
Income taxes67/77€3k€339▼
Profit (loss) for the period9904€8k€-25k▼
Profit (loss) for the period to be appropriated9905€8k€-25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€40k€15k▼
Profit (loss) brought forward from the previous period14P€32k€40k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €3k | €1k | €3k | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €159 | €73 | - | - | €93 | - |
| Other operating charges640/8 | - | €6k | €2k | €1k | €5k | ▲ 281% |
| Non-recurring operating charges66A | - | - | €116 | - | - | - |
| Gross operating margin9900 | €20k | €20k | €-2k | €11k | €-23k | ▼ 303% |
| Operating profit (loss)9901 | €21k | €11k | €-6k | €7k | €-28k | ▼ 493% |
| Financial income75/76B | - | €3k | €3k | €3k | €4k | ▲ 5.1% |
| Recurring financial income75 | €2k | €3k | €3k | €3k | €4k | ▲ 5.1% |
| Financial charges65/66B | - | €233 | €124 | €94 | €383 | ▲ 308% |
| Recurring financial charges65 | €257 | €233 | €124 | €94 | €383 | ▲ 308% |
| Profit (loss) for the period before taxes9903 | €22k | €14k | €-3k | €10k | €-25k | ▼ 339% |
| Income taxes67/77 | €8k | €5k | €238 | €3k | €339 | ▼ 87.1% |
| Profit (loss) for the period9904 | €20k | €9k | €-3k | €8k | €-25k | ▼ 425% |
| Profit (loss) for the period to be appropriated9905 | €20k | €9k | €-3k | €8k | €-25k | ▼ 425% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €55k | €67k | €64k | €73k | €58k | ▼ 20.6% |
| Fixed assets21/28 | €3k | €3k | €3k | €3k | €2k | ▼ 3.7% |
| Tangible fixed assets22/27 | €1k | €933 | €933 | €933 | €840 | ▼ 10.0% |
| Furniture and vehicles24 | - | €933 | €933 | €933 | €840 | ▼ 10.0% |
| Financial fixed assets28 | €2k | €2k | €2k | €2k | €2k | = |
| Current assets29/58 | €53k | €64k | €61k | €71k | €56k | ▼ 21.2% |
| Stocks and contracts in progress3 | €1k | €996 | €996 | €1k | €2k | ▲ 122% |
| Stocks30/36 | - | €996 | €996 | €1k | €2k | ▲ 122% |
| Amounts receivable within one year40/41 | €34k | €48k | €60k | €68k | €51k | ▼ 25.5% |
| Other amounts receivable41 | - | €48k | €60k | €68k | €51k | ▼ 25.5% |
| Cash at bank and in hand54/58 | €18k | €14k | €234 | €61 | €433 | ▲ 605% |
| Deferred charges and accrued income490/1 | - | €517 | - | €1k | €2k | ▲ 45.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €55k | €67k | €64k | €73k | €58k | ▼ 20.6% |
| Equity10/15 | €47k | €56k | €53k | €60k | €35k | ▼ 41.4% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Capital10 | - | €19k | €19k | €19k | €19k | = |
| Issued capital100 | - | €19k | €19k | €19k | €19k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Legal reserve130 | - | €2k | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €27k | €35k | €32k | €40k | €15k | ▼ 62.7% |
| Amounts payable17/49 | €28k | €11k | €11k | €13k | €23k | ▲ 76.6% |
| Amounts payable within one year42/48 | €28k | €11k | €11k | €13k | €23k | ▲ 76.2% |
| Trade debts44 | €20k | - | €339 | €4k | €21k | ▲ 484% |
| Suppliers440/4 | - | - | €339 | €4k | €21k | ▲ 484% |
| Taxes, remuneration and social security45 | - | €10k | €11k | €9k | €2k | ▼ 82.8% |
| Taxes450/3 | - | €10k | €11k | €9k | €2k | ▼ 82.8% |
| Other amounts payable47/48 | - | €624 | - | - | - | - |
| Accrued charges and deferred income492/3 | - | - | - | - | €50 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €20k | €9k | €-3k | €8k | €-25k | ▼ 425% |
| + Depreciation and write-downs630 | €159 | €73 | - | - | €93 | - |
| Operating cash flow (approximation) | €20k | €9k | €-3k | €8k | €-25k | ▼ 424% |
| Investment in fixed assets (approximation) | - | €205 | €0 | €0 | €0 | - |
| Change in cash | - | €-4k | €-14k | €-173 | €371 | ▲ 315% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
25-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €-25k
Net result drops to €-25k, the lowest in the series.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 90 days late
03-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 369 days late
2023
30-09
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
2022
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Liquidity triplescurrent ratio 5.93
Current ratio from 1.89 to 5.93; short-term debt falls from €28k to €11k.
15-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
29-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 29 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 153 days late
2018
10-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 71 days late
2017
21-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
16-05
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Mortsel · 1 establishment unit since 2007
Ground area
361 m²
Building footprint
104 m²
Volume, LiDAR
1,007 m³
Parcel 11513C0122/00Z003, Flanders · tallest building 18.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BELLA ROSA
since 20072.159.248.704
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11513C0122/00Z003 | Flanders | 361 m² | 1 · 104 m² | 18.0 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteMortsel2.159.248.704
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@ VOS GOUTS
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Of 21,861 companies in sector 56112 we hold annual accounts for 9,773. 8,435 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded19-01-2007
Fiscal year end30-09
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
Scores and ratios are computed by Checked and are not a credit decision.