UNCLE CHANG

Active

Private limited companyfounded 20215 yrs activeMarnixplaats 16, 2000 Antwerpen, BelgiumKBO/BCE: BE 0765.957.926

The computed 12-month bankruptcy probability of UNCLE CHANG is 3.9% (moderate). The 2024 annual accounts show equity of €138k and a net result of €36k. Equity is growing by ~47% per year across the filed fiscal years. Its solvency ranks better than 25% of 9863 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

43 / 100

Weak▼ -33 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100=

Solvency23▼-15

Growth78=

Stability94

Bankruptcy probability, 12 months

3.9% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €6k at 30 days only on tighter terms

Liquidity short (current ratio 0.17 against 1.14 in 2023), and 76.4% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

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 →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 9863 sector peers (2024).

NBB · sector comparison

Position among 9863 sector peers

Solvency

better than 25%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-08-2025, 14 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 · 3 filings

Deviation from the deadline

2025

not confirmed

2024

14 d late

2023

30 d late

2022

28 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€138k▲ 35.9%

2023 · €101k

2022: €43k 2023: €101k

2022 → 2024

Total assets

€585k▲ 39.0%

2023 · €421k

2022: €896k 2023: €421k

2022 → 2024

Net result

€36k▼ 39.1%

2023 · €60k

2022: €2k 2023: €60k

2022 → 2024

Working capital

€-321k

2023 · €30k

2022: €-82k 2023: €30k

2022 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202220232024Trend

Equity€43k-€101k▲ 138%€138k▲ 35.9%

Operating result€12k-€83k▲ 569%€58k▼ 30.3%

Net result€2k-€60k▲ 3,614%€36k▼ 39.1%

Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2024; 2024 is 30% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €585k

89.1%

11%

Fixed assets €522k▲ 199%

Current assets €64k▼ 74.2%

Equity and liabilities €585k

23.6%

76.4%

Equity €138k▲ 35.9%

Debt €447k▲ 40.0%

The debt ratio rises from 75.9% to 76.4%: debt grows faster than equity.

Key figures and ratios

2024 value · change against 2023

EBITDA

€79k▼

2023 · €89k

Cash flow

€58k▼

2023 · €66k

Solvency

23.6%▼

2023 · 24.1%

Current ratio

0.17▼

2023 · 1.14

Quick ratio

0.17▼

2023 · 1.02

Debt / equity

3.24▲

2023 · 3.15

ROE

26.4%▼

2023 · 59.0%

ROA

6.2%▼

2023 · 14.2%

Interest coverage

12.30▼

2023 · 39.21

Debt

€447k▲

2023 · €320k

Debt ≤ 1 year

€385k▲

2023 · €216k

Debt > 1 year

€55k▼

2023 · €82k

Income taxes

€16k▼

2023 · €21k

Staff costs

€159k▼

2023 · €165k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€421k€585k▲

Fixed assets21/28€174k€522k▲

Intangible fixed assets21€33k€28k▼

Tangible fixed assets22/27€32k€28k▼

Plant, machinery and equipment23€17k€20k▲

Furniture and vehicles24€15k€8k▼

Financial fixed assets28€110k€466k▲

Current assets29/58€247k€64k▼

Stocks and contracts in progress3€26k-

Stocks30/36€26k-

Amounts receivable within one year40/41€221k€49k▼

Trade receivables40€131k€22k▼

Other amounts receivable41€89k€28k▼

Cash at bank and in hand54/58-€14k

Equity and liabilities

Total equity and liabilities10/49€421k€585k▲

Equity10/15€101k€138k▲

Contributions10/11€40k€40k=

Reserves13-€98k

Distributable reserves133-€98k

Profit (loss) carried forward14€61k-

Amounts payable17/49€320k€447k▲

Amounts payable after more than one year17€82k€55k▼

Financial debts170/4€82k€55k▼

Amounts payable within one year42/48€216k€385k▲

Current portion of amounts payable after more than one year42€9k€12k▲

Financial debts43€12k-

Credit institutions430/8€12k-

Trade debts44€150k€151k▲

Suppliers440/4€150k€151k▲

Taxes, remuneration and social security45€46k€46k▲

Taxes450/3€16k€16k▼

Remuneration and social security454/9€29k€31k▲

Other amounts payable47/48-€175k

Accrued charges and deferred income492/3€21k€7k▼

Income statement Code20232024

Remuneration, social security and pensions62€165k€159k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€21k▲

Other operating charges640/8€2k€3k▲

Non-recurring operating charges66A-€-2k

Gross operating margin9900€255k€238k▼

Operating profit (loss)9901€83k€58k▼

Financial income75/76B-€537

Recurring financial income75-€537

Financial charges65/66B€2k€6k▲

Recurring financial charges65€2k€6k▲

Profit (loss) for the period before taxes9903€81k€52k▼

Income taxes67/77€21k€16k▼

Profit (loss) for the period9904€60k€36k▼

Profit (loss) for the period to be appropriated9905€60k€36k▼

Appropriation of the result

Profit (loss) to be appropriated9906€61k€98k▲

Profit (loss) brought forward from the previous period14P€2k€61k▲

Transfer to equity691/2-€98k

To other reserves6921-€98k

The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 5Financial 2Filings 3

2025

14-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 14 days late

2024

30-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 30 days late

2023

31-12

Financial Highest result since 2022net €60k ▲3614%

Operating result €83k, net result €60k, both a record.

31-12

Financial Equity above €100kEq €101k ▲138%

2 profitable years in a row build equity to €101k.

03-07

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

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, Antwerpen · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Marnixplaats 162000 Antwerpen

Ground area

122 m²

Building footprint

120 m²

Volume, LiDAR

1,579 m³

Parcel 11811L3618/00D003, Flanders · tallest building 16.3 m, ±5 floors. Linked by address, not a title deed.

1 establishment unit

UNCLE CHANG

Marnixplaats 16, 2000 AntwerpenFinancial service activities, except insurance and pension funding

since 20212.316.085.628

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11811L3618/00D003	Flanders	122 m²	1 · 120 m²	16.3 m · 5 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.

Similar companies · same sector, comparable size

Of 20,231 companies in sector 56111 we hold annual accounts for 11,313. 9,079 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded01-04-2021

Fiscal year end31-12

Activities, NACEBEL

56101Full-service restaurants

56111Full-service restaurants

64200Holdings

64210Activities of holding companies

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.