M.A.M.
ActiveSummary
The computed 12-month bankruptcy probability of M.A.M. is 2.7% (moderate). The 2025 annual accounts show equity of €101k and a net result of €11k. Equity is growing by ~19% per year across the filed fiscal years. Its solvency ranks better than 58% of 13305 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-2
Solvency65▼-24
Growth52=
Track record100
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.41 against 2.03 in 2024; short-term debt: 15.9% and cash: 6.6% of total assets), but 59.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 · 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
40.1%
Return on assets
4.5%
Age of the figures
9 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 08-09-2026, 39 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 · 10 filingsDeviation from the deadline
2025
39 d late
2024
29 d late
2023
49 d late
2022
22 d late
2021
30 d late
2020
61 d late
2019
92 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 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
€11k▲ 48.4%
2024 · €8k
2018: €31k
2019: €2k
2020: €14k
2021: €24k
2022: €62
2023: €18k
2024: €8k
2018 → 2025
Working capital
€96k▲ 144%
2024 · €39k
2018: €-16k
2019: €-9k
2020: €11k
2021: €40k
2022: €46k
2023: €50k
2024: €39k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€64k-€64k▲ 0.1%€82k▲ 28.2%€90k▲ 9.2%€101k▲ 12.5%
Operating result€29k-€2k▼ 94.3%€17k▲ 892%€13k▼ 20.1%€19k▲ 44.4%
Net result€24k-€62▼ 99.7%€18k▲ 29,246%€8k▼ 58.2%€11k▲ 48.4%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 44% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €251k
Fixed assets
€115k ▲ 87.6%
Current assets
€136k ▲ 75.2%
Equity and liabilities €251k
Equity
€101k ▲ 12.5%
Debt
€151k ▲ 204%
Debt's share of the balance-sheet total rises from 35.5% to 59.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€43k▲
2024 · €25k
Cash flow
€35k▲
2024 · €19k
Current ratio
3.41▲
2024 · 2.03
Quick ratio
3.34▲
2024 · 1.96
Debt to equity
1.49▲
2024 · 0.55
ROE
11.1%▲
2024 · 8.4%
ROA
4.5%▼
2024 · 5.4%
Interest coverage
8.52▼
2024 · 12.71
Debt ≤ 1 year
€40k▲
2024 · €38k
Debt > 1 year
€111k▲
2024 · €11k
Income taxes
€8k▲
2024 · €7k
Staff costs
€3k▼
2024 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€139k€251k▲
Fixed assets21/28€61k€115k▲
Tangible fixed assets22/27€61k€115k▲
Land and buildings22€2k€1k▼
Plant, machinery and equipment23€33k€83k▲
Furniture and vehicles24€26k€30k▲
Financial fixed assets28€460€460=
Current assets29/58€78k€136k▲
Stocks and contracts in progress3€3k€3k▲
Stocks30/36€3k€3k▲
Amounts receivable within one year40/41€59k€117k▲
Trade receivables40€3k-
Other amounts receivable41€56k€117k▲
Cash at bank and in hand54/58€15k€17k▲
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€139k€251k▲
Equity10/15€90k€101k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€71k€82k▲
Amounts payable17/49€49k€151k▲
Amounts payable after more than one year17€11k€111k▲
Financial debts170/4€11k€111k▲
Amounts payable within one year42/48€38k€40k▲
Current portion of amounts payable after more than one year42€4k€14k▲
Trade debts44€33k€21k▼
Suppliers440/4€33k€21k▼
Taxes, remuneration and social security45€2k€6k▲
Taxes450/3€2k€6k▲
Income statement
Code20242025
Remuneration, social security and pensions62€8k€3k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€23k▲
Other operating charges640/8€4k€3k▼
Gross operating margin9900€37k€49k▲
Operating profit (loss)9901€13k€19k▲
Financial income75/76B€3k€5k▲
Recurring financial income75€3k€5k▲
Financial charges65/66B€2k€5k▲
Recurring financial charges65€2k€5k▲
Profit (loss) for the period before taxes9903€14k€19k▲
Income taxes67/77€7k€8k▲
Profit (loss) for the period9904€8k€11k▲
Profit (loss) for the period to be appropriated9905€8k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€71k€82k▲
Profit (loss) brought forward from the previous period14P€64k€71k▲
The notes to these accounts (7 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
08-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 39 days late
2025
31-12
Financial
Equity above €100kEq €101k ▲12.5%
8 profitable years in a row build equity to €101k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
18-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 49 days late
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-12
Financial
Weakest financial yearnet €62 ▼99.7%
Net result drops to €62, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 5.55
Current ratio from 2.28 to 5.55.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 61 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 2.28
Current ratio from 0.75 to 2.28; short-term debt falls from €37k to €8k.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 92 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
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, Brussel · 1 establishment unit since 2016
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.
Houba de Strooperlaan 1131020 BrusselGround area
142 m²
Building footprint
142 m²
Volume, LiDAR
1,945 m³
Parcel 21816C0005/00H010, Brussels · tallest building 18.4 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
GRILL LAND
since 20162.256.897.812
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21816C0005/00H010 | Brussels | 142 m² | 1 · 142 m² | 18.4 m · 6 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrussel2.256.897.812
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LAURENS
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Of 21,888 companies in sector 56112 we hold annual accounts for 9,780. 7,808 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-06-2016
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.