Active BE 0701.758.871Private limited company

UMBERTO

Prinses Lilianelaan 10 ·8310 Brugge, Belgium· 7 yrs active

Sector: Food & beverage service (56111)

Conclusion Checked

The computed 12-month bankruptcy probability of UMBERTO is 4.0% (moderate). The 2024 annual accounts show equity of €130k and a net result of €-2k. Equity is growing by ~15% per year across the filed fiscal years. Its solvency ranks better than 43% of 5597 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 6 annual accounts.

Key figures

Equity	€130k
Net result	€-2k
Staff (FTE)	4
Better than sector	43%

Snowflake analysis 5 axes · computed by Checked

36 / 100

Fragile profile, watch profitability in particular.

Health 20

Profitability 0

Solvency 8

Growth 52

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

4.0% Moderate

0%0,5%1,5%4%10%≥25%

Higher-failure-rate sector +Young company +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 3 signals

More than 3 years active

Founded in 2018, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.

Administratively compliant

No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags 0 events

No administrative flags

Health barometer FY 2024 · computed

20 / 100 Critical

050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Financial overview6 NBB filings

Annual accounts filed on 09-07-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~15%/year over 6 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 56, Food & beverage service · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	12.0%	19.3%	better than 43% of 5597 sector peers
Net result	€-2k	€4k	better than 32% of 5586 sector peers
Equity	€130k	€14k	better than 92% of 5608 sector peers
Gross operating margin	€338k	€52k	better than 95% of 5572 sector peers
Staff costs	€257k	€50k	higher than 93% of 4052 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€47k

-28.9% 19-24

Net profit

€-2k

- 19-24

Cash flow

€35k

-38.4% 19-24

Total assets

€1.09M

+330.8% 19-24

Equity

€130k

-1.8% 19-24

Working capital

€-197k

- 19-24

Employees (FTE)

4

-7.0% 19-24

Staff costs

€257k

+11.4% 19-24

Income taxes

€1k

-78.3% 19-24

Debt

€958k

+698.7% 19-24

Debt ≤ 1y

€331k

+182.4% 19-24

Debt > 1y

€627k

+2198.3% 19-24

Current ratio

0.41

-66.0% 19-24

Quick ratio

0.39

-66.1% 19-24

Solvency

12.0%

-77.2% 19-24

Debt / equity

7.35

+713.2% 19-24

ROE

-1.8%

- 19-24

ROA

-0.2%

- 19-24

Interest coverage

4.21

-60.3% 19-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Revenue	-
EBITDA	€47k
Net profit	€-2k
Cash flow	€35k
Staff costs	€257k
Income taxes	€1k
Dividends	-
Total assets	€1.09M
Equity	€130k
Debt	€958k
of which ≤ 1y	€331k
of which > 1y	€627k
Working capital	€-197k
Employees (FTE)	4.0

Ratios (computed)

	2024
Current ratio	0.41
Quick ratio	0.39
Working capital ratio	-18.1%
Solvency	12.0%
Debt / equity	7.35
Long-term debt ratio	4.81
Interest coverage	4.21
Gross margin	-
Net margin	-
ROA	-0.2%
ROE	-1.8%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €954k · 87.7% Current assets €134k · 12.3%

Equity & liabilities

Equity €130k · 12.0% Debt €958k · 88.0%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.09M
Fixed assets	21/28	€954k
Intangible fixed assets	21	€62k
Tangible fixed assets	22/27	€892k
Current assets	29/58	€134k
Stocks & contracts in progress	3	€5k
Amounts receivable within one year	40/41	€60k
Cash & bank	54/58	€66k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.09M
Equity	10/15	€130k
Contributions / capital	10/11	€20k
Reserves	13	€61k
Accumulated profits (losses)	14	€49k
Amounts payable	17/49	€958k
Amounts payable after one year	17	€627k
Amounts payable within one year	42/48	€331k
Trade debts payable within one year	44	€65k
Income statement
Gross operating margin	9900	€338k
Operating result	9901	€10k
Financial income	75	€191
Financial charges	65	€11k
Result before taxes	9903	€-1k
Income taxes	67/77	€1k
Net result for the period	9904	€-2k
Result to be appropriated	9905	€-2k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	Food & beverage service(56111)
Legal form	Private limited company(610)
Incorporation	27-08-2018
Status	Active
Postal code	8310

Establishment units 1 location

Benevenuto

Sint-Amandsstraat 9, 8000 BruggeRestaurant van het traditionele type

since 20182.278.796.749

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
31434C0203/00H003	Flanders	739 m²	1 · 159 m²	7.5 m · 2 fl.
31804D0485/00E000 ProtectedMonument · Townscape or village viewLaatgotisch burgerhuisSource ↗	Flanders	206 m²	1 · 207 m²	23.4 m · 6 fl.

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels 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).

Updates 7 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

09-07-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

19-07-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

03-01-2024

State Gazette act Director changes

Annelies Vanquathem

2023

24-07-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

2022

05-07-2022

NBB filing Annual accounts filed

fiscal year 2021 · micro

2021

13-07-2021

NBB filing Annual accounts filed

fiscal year 2020 · micro

2020

15-07-2020

NBB filing Annual accounts filed

fiscal year 2019 · micro

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 2 years ago

2024

03-01-2024 2 directors appointed, 2 resigning Director changes·Annelies Vanquathem

PANTHI Kamal, Bestuurder
NEPAL Kabita, Bestuurder
PANTHI Kamal, Bestuurder
NEPAL Kabita, Bestuurder

Notary: Annelies Vanquathem · BruggeFirm: MOEYKENS & VANQUATHEM

Original publication ↗

Technical details

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Company registry (CBE) Crossroads Bank

Activities

Eetgelegenheden met volledige bediening56101Activiteiten van eetgelegenheden met volledige bediening56111

Primary activity highlighted.

Names & trade names

Legal nameNL

UMBERTO

Registered office

Prinses Lilianelaan 10

8310 Brugge, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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