Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 25 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
De Zandbank from Middelkerke, company number BE0649780135, closed financial year 2025 with a result of € 40,181 after tax. For that financial year De Zandbank recorded a gross margin of € 476,174 and equity of € 283,363. Compared with financial year 2024, the result moved from € 87,793 to € 40,181. The company is profitable. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 6, 2026.
€ 283,363
▼ 36% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 40,181
▼ 54% vs 2024
Profit after tax over the fiscal year.
€ 42,509
▼ 21% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 200,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
4.8
▲ 0.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 295,195
▲ 16% vs 2024
€ 61,500 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 41,633
▼ 21% vs 2024
Of which on lease € 11,286.
Debts at end 2025
€ 240,918
▼ 34% vs 2024
€ 70,745 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 54,900
▲ 46% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 41,310
▼ 15% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 484,667 | € 309,405 | € 499,454 | € 476,174 | ▼ 5% |
| Profit after taxes | € 45,123 | € 1,053 | € 87,793 | € 40,181 | ▼ 54% |
| Equity | € 404,337 | € 405,390 | € 443,182 | € 283,363 | ▼ 36% |
| Total debts | € 657,197 | € 477,304 | € 504,401 | € 540,296 | ▲ 7% |
| Cash | € 32,609 | € 48,404 | € 53,777 | € 42,509 | ▼ 21% |
| Retained profit | € 385,737 | € 386,790 | € 424,582 | € 264,763 | ▼ 38% |
| Dividend | € 0 | € 0 | € 50,000 | € 200,000 | ▲ 300% |
| Bank debt | € 478,246 | € 361,103 | € 363,471 | € 240,918 | ▼ 34% |
| Balance sheet total | € 1,061,534 | € 882,694 | € 947,583 | € 823,659 | ▼ 13% |
| Employees (FTE) | - | 3.3 | 4.7 | 4.8 | ▲ 0.1 |
Key figures of De Zandbank, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to De Zandbank?
What happened at De Zandbank in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 40,181 (▼ 54% vs 2024). Source: NBB ↗
- MJ INVEST BV became a director. NBB
- New establishment in Middelkerke. KBO
- Start of the company according to the CBE. KBO
In short
From € 45,123 profit in 2022 to € 40,181 profit in 2025.
Paid € 47,776 in corporate taxes since 2022.
Best year ever: 2024, with € 87,793 profit.
On average € 99,200 of value added per employee in 2025.
A new publication or filing at De Zandbank? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind De Zandbank is MJ INVEST BV. MJ INVEST BV is also behind ZanziBar.
Directors
According to the 2025 annual accounts
since 2022
Establishments
Establishment units
Physical locations of this company
Zeedijk 91A
8430 Middelkerke
Zeedijk 91 box a
8430 Middelkerke
Active since 9 March 2016
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Google Workspace
Hosting
WIX_COM, IL
Domain
Domain
zandbankmiddelkerke.com
Registered
2017-01-09
Registrar
Network Solutions, LLC
Expires
2027-01-09
Website info
Features
Security
Network
Details
- Company number
- 0649.780.135
- VAT number
- BE 0649.780.135
- Registered office
- Zeedijk 91A, 8430 Middelkerke
- Names & denominations
- De Zandbank
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 9 March 2016
- Peppol
- Active · Active since 26 Mar 2025
- Contact
- zandbankmiddelkerke.com
- Activities · NACE
Activiteiten van eetgelegenheden met volledige bediening
Eetgelegenheden met volledige bediening
Organisatie van congressen en beurzen
Overige persoonlijke diensten
Catering van evenementen
Overige zakelijke dienstverlening, neg