CHEZ MIKA

Active

Private limited companyfounded 20224 yrs activeBovigny 36, 6671 Gouvy, BelgiumKBO/BCE: BE 0781.832.371

The computed 12-month bankruptcy probability of CHEZ MIKA is 3.7% (moderate). The 2025 annual accounts show equity of €130k and a net result of €67k. Equity is growing by ~122.4% per year across the filed fiscal years. Its solvency ranks better than 62% of 13091 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Watch Print / PDF

Checked score

Score 2025

64 / 100

Healthy

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability97▲+3

Solvency69▲+9

Growth78=

Track record94

Bankruptcy probability, 12 months

3.7% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €8k at 30 days acceptable

Liquidity short (current ratio 0.33 against 0.26 in 2024; short-term debt: 31.4% and cash: 7% of total assets), and 55.8% 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

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

−lowers risk+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

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

44.2%

Return on assets

22.8%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-06-2026, 58 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

58 d early

2024

45 d early

2023

44 d early

2022

31 d early

← before the deadline after the deadline →

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 months

Position in the running window

16-09-2026 today31-12-2026 close31-07-2027 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 2025, micro schema

Equity

€130k▲ 102%

2024 · €64k

2022: €12k 2023: €28k 2024: €64k

2022 → 2025

Total assets

€294k▲ 60.3%

2024 · €184k

2022: €55k 2023: €107k 2024: €184k

2022 → 2025

Net result

€67k▲ 81.7%

2024 · €37k

2022: €13k 2023: €17k 2024: €37k

2022 → 2025

Working capital

€-62k▼ 25.0%

2024 · €-50k

2022: €-32k 2023: €-47k 2024: €-50k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€12k-€28k▲ 125%€64k▲ 134%€130k▲ 102%

Operating result€16k-€24k▲ 51.7%€55k▲ 132%€103k▲ 86.4%

Net result€13k-€17k▲ 27.6%€37k▲ 119%€67k▲ 81.7%

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

Result per fiscal year

Operating resultNet result

The operating result has risen three years in a row; 2025 is 86% above 2024 and is the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €294k

89.6%

10%

Fixed assets €264k▲ 58.6%

Current assets €31k▲ 76.1%

Equity and liabilities €294k

44.2%

55.8%

Equity €130k▲ 102%

Debt €164k▲ 37.9%

The debt ratio falls from 64.9% to 55.8%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€140k▲

2024 · €74k

Cash flow

€104k▲

2024 · €56k

Solvency

44.2%▲

2024 · 35.1%

Current ratio

0.33▲

2024 · 0.26

Quick ratio

0.27▲

2024 · 0.23

Debt / equity

1.26▼

2024 · 1.85

ROE

51.6%▼

2024 · 57.3%

ROA

22.8%▲

2024 · 20.1%

Interest coverage

15.19▲

2024 · 13.65

Debt

€164k▲

2024 · €119k

Debt ≤ 1 year

€92k▲

2024 · €67k

Debt > 1 year

€72k▲

2024 · €52k

Income taxes

€26k▲

2024 · €13k

Staff costs

€75k▲

2024 · €19k

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€184k€294k▲

Fixed assets21/28€166k€264k▲

Tangible fixed assets22/27€166k€263k▲

Plant, machinery and equipment23€29k€89k▲

Furniture and vehicles24€14k€26k▲

Other tangible fixed assets26€123k€149k▲

Financial fixed assets28€205€205=

Current assets29/58€17k€31k▲

Stocks and contracts in progress3€2k€6k▲

Stocks30/36€2k€6k▲

Amounts receivable within one year40/41€10k€1k▼

Trade receivables40€10k€1k▼

Other amounts receivable41€472€414▼

Cash at bank and in hand54/58€4k€21k▲

Deferred charges and accrued income490/1€574€3k▲

Equity and liabilities

Total equity and liabilities10/49€184k€294k▲

Equity10/15€64k€130k▲

Contributions10/11€600€600=

Reserves13€30k€60k▲

Distributable reserves133€30k€60k▲

Profit (loss) carried forward14€34k€69k▲

Amounts payable17/49€119k€164k▲

Amounts payable after more than one year17€52k€72k▲

Financial debts170/4€52k€72k▲

Amounts payable within one year42/48€67k€92k▲

Current portion of amounts payable after more than one year42€36k€51k▲

Trade debts44€2k€10k▲

Suppliers440/4€2k€10k▲

Advances received on contracts in progress46-€2k

Taxes, remuneration and social security45€19k€24k▲

Taxes450/3€14k€15k▲

Remuneration and social security454/9€5k€10k▲

Other amounts payable47/48€10k€4k▼

Income statement Code20242025

Remuneration, social security and pensions62€19k€75k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€37k▲

Other operating charges640/8€2k€964▼

Gross operating margin9900€95k€216k▲

Operating profit (loss)9901€55k€103k▲

Financial income75/76B€10€1▼

Recurring financial income75€10€1▼

Financial charges65/66B€5k€9k▲

Recurring financial charges65€5k€9k▲

Profit (loss) for the period before taxes9903€50k€93k▲

Income taxes67/77€13k€26k▲

Profit (loss) for the period9904€37k€67k▲

Profit (loss) for the period to be appropriated9905€37k€67k▲

Appropriation of the result

Profit (loss) to be appropriated9906€44k€101k▲

Profit (loss) brought forward from the previous period14P€7k€34k▲

Transfer to equity691/2€10k€30k▲

To other reserves6921€10k€30k▲

Profit to be distributed694/7-€2k

Return on contributions (dividend)694-€2k

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 6Financial 2Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

03-06

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Highest result since 2022net €67k ▲81.7%

Operating result €103k, net result €67k, both a record.

31-12

Financial Equity above €100kEq €130k ▲102%

4 profitable years in a row build equity to €130k.

16-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

17-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

30-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

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

Directors · office · real estate

Directors

1 act for this company is 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, Gouvy · 1 establishment unit since 2022

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.

Bovigny 366671 Gouvy

Ground area

2,142 m²

Building footprint

181 m²

Parcel 82007D1746/00K000, Wallonia. Linked by address, not a title deed.

1 establishment unit

CHEZ MIKA

Bovigny 36, 6671 GouvyArtisanal bread and fresh pastry making

since 20222.328.064.039

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
82007D1746/00K000	Wallonia	2,142 m²	1 · 181 m²	-

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.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Gouvy2.328.064.039

2 permissions

Toelating · Beheerder automaten · since 07-04-2022

Toelating · Eetgelegenheid · since 07-04-2022

Similar companies · same sector, comparable size

DE BOOMGAERD

BE 0783.781.675

Bilzen-Hoeselt · Eq €130k

Of 20,510 companies in sector 56111 we hold annual accounts for 11,456. 9,259 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded10-02-2022

Fiscal year end31-12

Activities, NACEBEL

56101Full-service restaurants

56102Limited-service restaurants

56111Full-service restaurants

56112Limited-service restaurants, excluding mobile food services

10712Artisanal bread and fresh pastry making

10720Manufacture of food products

Sources

Crossroads Bank for EnterprisesNational Bank · 4 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.