ANA-MIA
ActiveThe computed 12-month bankruptcy probability of ANA-MIA is 4.9% (elevated). The 2025 annual accounts show equity of €104k and a net result of €21k. Its solvency ranks better than 71% of 4478 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
93
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability99▼-1
Solvency97▲+10
Growth52
Stability94
Bankruptcy probability, 12 months
4.9%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 1.93 against 1.51 in 2024), and 39.4% 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 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
60.6%
Return on assets
12%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 2 filingsDeviation from the deadline
2025
28 d late
2024
21 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€104k▲ 24.8%
2024 · €84k
2024: €84k
2024 → 2025
Total assets
€172k▲ 23.1%
2024 · €140k
2024: €140k
2024 → 2025
Net result
€21k▼ 69.0%
2024 · €67k
2024: €67k
2024 → 2025
Working capital
€63k▲ 120%
2024 · €29k
2024: €29k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€84k-€104k▲ 24.8%
Operating result€88k-€28k▼ 67.9%
Net result€67k-€21k▼ 69.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 68% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €172k
Fixed assets
€41k▼ 25.2%
Current assets
€131k▲ 54.2%
Equity and liabilities €172k
Equity
€104k▲ 24.8%
Debt
€68k▲ 20.6%
The debt ratio falls from 40.2% to 39.4%: equity grows faster than debt.
Key figures and ratios
EBITDA
€42k▼
2024 · €99k
Cash flow
€35k▼
2024 · €78k
Solvency
60.6%▲
2024 · 59.8%
Current ratio
1.93▲
2024 · 1.51
Quick ratio
1.93▲
2024 · 1.51
Debt / equity
0.65▼
2024 · 0.67
ROE
19.9%▼
2024 · 80.1%
ROA
12.0%▼
2024 · 47.9%
Interest coverage
233.83▼
2024 · 344.99
Debt
€68k▲
2024 · €56k
Debt ≤ 1 year
€68k▲
2024 · €56k
Income taxes
€8k▼
2024 · €21k
Staff costs
€80k▲
2024 · €64k
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€140k€172k▲
Fixed assets21/28€55k€41k▼
Tangible fixed assets22/27€36k€22k▼
Furniture and vehicles24€36k€22k▼
Financial fixed assets28€19k€19k=
Current assets29/58€85k€131k▲
Amounts receivable within one year40/41€37k€29k▼
Trade receivables40€23k€7k▼
Other amounts receivable41€14k€23k▲
Cash at bank and in hand54/58€48k€102k▲
Deferred charges and accrued income490/1€43-
Equity and liabilities
Total equity and liabilities10/49€140k€172k▲
Equity10/15€84k€104k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€74k€94k▲
Amounts payable17/49€56k€68k▲
Amounts payable within one year42/48€56k€68k▲
Trade debts44€21k€38k▲
Suppliers440/4€21k€38k▲
Taxes, remuneration and social security45€36k€30k▼
Taxes450/3€26k€24k▼
Remuneration and social security454/9€10k€6k▼
Income statement
Code20242025
Remuneration, social security and pensions62€64k€80k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€14k▲
Other operating charges640/8€4k€5k▲
Gross operating margin9900€167k€127k▼
Operating profit (loss)9901€88k€28k▼
Financial income75/76B€101€267▲
Recurring financial income75€101€267▲
Financial charges65/66B€286€180▼
Recurring financial charges65€286€180▼
Profit (loss) for the period before taxes9903€88k€28k▼
Income taxes67/77€21k€8k▼
Profit (loss) for the period9904€67k€21k▼
Profit (loss) for the period to be appropriated9905€67k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€74k€94k▲
Profit (loss) brought forward from the previous period14P€7k€74k▲
The notes to these accounts (5 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Equity above €100kEq €104k ▲24.8%
2 profitable years in a row build equity to €104k.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Ganshoren · 1 establishment unit since 2022
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.
Eugène Toussaintstraat 91083 GanshorenGround area
1,997 m²
Building footprint
292 m²
Volume, LiDAR
2,848 m³
2 parcels, Brussels, Flanders · tallest building 15.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
ANA-MIA
since 20222.332.099.437
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21008A0370/00S004 | Brussels | 1,415 m² | 1 · 188 m² | 15.6 m · 4 fl. |
| 23086A0314/00P000 | Flanders | 582 m² | 1 · 104 m² | 7.0 m · 1 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.
Similar companies · same sector, comparable size
TRANSGOB
BE 0885.882.489
Couvin · Eq €104k
YARA TRANS
BE 0540.931.089
Sint-Niklaas · Eq €104k
GEOTRA
BE 0425.808.224
Etterbeek · Eq €105k
E&U LOGISTICS
BE 0763.751.076
Sint-Truiden · Eq €104k
JMG
BE 0756.575.452
Temse · Eq €104k
Of 12,449 companies in sector 49410 we hold annual accounts for 8,086. 6,262 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-05-2022
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
53200Other postal and courier activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.