ZEBRA BAR
ActiveThe computed 12-month bankruptcy probability of ZEBRA BAR is 2.1% (moderate). The 2025 annual accounts show equity of €158k and a net result of €-4k. Equity is growing by ~8.5% per year across the filed fiscal years. Its solvency ranks better than 82% of 13159 sector peers (fiscal year 2025). The company has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability28▲+22
Solvency94▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 3.11 against 3.13 in 2024; short-term debt: 30.2% and cash: 44.5% of total assets), and 31.4% 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 · 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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-4k
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 26-05-2026, 66 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
66 d early
2024
30 d early
2023
56 d early
2022
48 d early
2021
12 d late
2020
82 d late
2019
91 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-4k▲ 86.2%
2024 · €-27k
2018: €-40k
2019: €-9k
2020: €15k
2021: €119k
2022: €103k
2023: €4k
2024: €-27k
2018 → 2025
Working capital
€147k▼ 16.3%
2024 · €176k
2018: €91k
2019: €262k
2020: €280k
2021: €418k
2022: €507k
2023: €524k
2024: €176k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€218k-€320k▲ 47.1%€325k▲ 1.3%€162k▼ 50.1%€158k▼ 2.3%
Operating result€118k-€128k▲ 8.1%€8k▼ 93.4%€-27k€14k
Net result€119k-€103k▼ 13.9%€4k▼ 95.8%€-27k€-4k▲ 86.2%
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €14k after a loss of €27k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €231k
Fixed assets
€14k▼ 13.2%
Current assets
€217k▼ 16.2%
Equity and liabilities €231k
Equity
€158k▼ 2.3%
Debt
€73k▼ 35.6%
The debt ratio falls from 41.0% to 31.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€21k▲
2024 · €-17k
Cash flow
€3k▲
2024 · €-17k
Solvency
68.6%▲
2024 · 59.0%
Current ratio
3.11▼
2024 · 3.13
Quick ratio
2.91▼
2024 · 2.98
Debt / equity
0.46▼
2024 · 0.70
ROE
-2.4%▲
2024 · -16.9%
ROA
-1.6%▲
2024 · -10.0%
Interest coverage
1.35▲
2024 · -129.97
Debt
€73k▼
2024 · €113k
Debt ≤ 1 year
€70k▼
2024 · €83k
Debt > 1 year
€3k=
2024 · €3k
Income taxes
€2k▲
2024 · €0
Staff costs
€402k▼
2024 · €418k
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€275k€231k▼
Fixed assets21/28€16k€14k▼
Tangible fixed assets22/27€15k€13k▼
Furniture and vehicles24€15k€13k▼
Financial fixed assets28€501€501=
Current assets29/58€259k€217k▼
Stocks and contracts in progress3€12k€15k▲
Stocks30/36€12k€15k▲
Amounts receivable within one year40/41€25k€80k▲
Trade receivables40€3k€19k▲
Other amounts receivable41€23k€61k▲
Cash at bank and in hand54/58€204k€103k▼
Deferred charges and accrued income490/1€18k€20k▲
Equity and liabilities
Total equity and liabilities10/49€275k€231k▼
Equity10/15€162k€158k▼
Contributions10/11€128k€128k=
Reserves13€5k€5k=
Distributable reserves133€5k€5k=
Profit (loss) carried forward14€29k€25k▼
Amounts payable17/49€113k€73k▼
Amounts payable after more than one year17€3k€3k=
Other amounts payable178/9€3k€3k=
Amounts payable within one year42/48€83k€70k▼
Trade debts44€30k€10k▼
Suppliers440/4€30k€10k▼
Taxes, remuneration and social security45€52k€59k▲
Taxes450/3€25k€24k▼
Remuneration and social security454/9€26k€35k▲
Other amounts payable47/48€904€904=
Accrued charges and deferred income492/3€27k-
Income statement
Code20242025
Remuneration, social security and pensions62€418k€402k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€7k▼
Other operating charges640/8€7k€2k▼
Gross operating margin9900€408k€425k▲
Operating profit (loss)9901€-27k€14k▲
Financial income75/76B€4-
Recurring financial income75€4-
Financial charges65/66B€131€16k▲
Recurring financial charges65€131€16k▲
Profit (loss) for the period before taxes9903€-27k€-2k▲
Income taxes67/77€0€2k▲
Profit (loss) for the period9904€-27k€-4k▲
Profit (loss) for the period to be appropriated9905€-27k€-4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€164k€25k▼
Profit (loss) brought forward from the previous period14P€192k€29k▼
Profit to be distributed694/7€135k-
Return on contributions (dividend)694€135k-
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
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
31-12
Financial
Highest result since 2018net €119k ▲702%
Net result €119k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 8.14
Current ratio from 4.00 to 8.14; short-term debt falls from €94k to €58k.
31-12
Financial
Equity above €200kEq €218k ▲121%
2 profitable years in a row build equity to €218k.
21-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 82 days late
2020
31-12
Financial
Back to profitnet €15k
Net result €15k after 2 loss-making years.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 91 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 4.01
Current ratio from 1.33 to 4.01; short-term debt falls from €275k to €87k.
03-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
02-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Brussel · 1 establishment unit since 1996
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.
Sint-Goriksplein 33-351000 BrusselGround area
333 m²
Building footprint
301 m²
Volume, LiDAR
5,359 m³
2 parcels, Brussels · tallest building 22.3 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
ZEBRA BAR
since 19962.077.413.762
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21811M0921/00C000 | Brussels | 228 m² | 1 · 202 m² | 22.3 m · 6 fl. |
| 21811M0917/00H000 | Brussels | 105 m² | 1 · 99 m² | 20.8 m · 6 fl. |
Linked by address, not proof of ownership
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).
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrussel2.077.413.762
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Of 21,904 companies in sector 56112 we hold annual accounts for 9,781. 7,164 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-07-1996
Fiscal year end31-12
Activities, NACEBEL
55302
55401
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56301Cafés and bars
46392Non-specialised wholesale
51392
71401
77221Rental and leasing activities
77392Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 30 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.