Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of M.A.M SERVICES is 7.3% (elevated). The 2024 annual accounts show equity of €41k and a net result of €39k. Its solvency ranks better than 66% of 425 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 2 administrative register entries (see administrative flags).
Based on the State Gazette, CBE and 1 annual account.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone7.3%
Elevated
0%0,5%1,5%4%10%≥25%
Young company
+Recent warning signals
+Higher-failure-rate sector
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Insolvency timeline
2 events29-08-2025
KBO administration
Address strikeout annulled
08-08-2025
KBO administration
Address struck
Filing behaviour
From the deposit records, complete market-wideFiled more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-05-2026, 291 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2024 | 31-07-2025 | 18-05-2026 | 291 d late | 2026-00122339 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
1 signalNo legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
2 eventsAddress struckAddress strikeout annulled
Financials
Turnover€156k
EBIT margin25.1%
Net result€39k
Working capital€32k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 18-05-2026 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 52 · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 49.7% | 30.3% | |
| Net result | €39k | €7k | |
| Equity | €41k | €24k | |
| Gross operating margin | €51k | €35k | |
| Staff costs | €8k | €49k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | €156k |
| EBITDA | €42k |
| Net profit | €39k |
| Cash flow | €42k |
| Staff costs | €8k |
| Income taxes | - |
| Dividends | - |
| Total assets | €83k |
| Equity | €41k |
| Debt | €42k |
| of which ≤ 1y | €42k |
| of which > 1y | - |
| Working capital | €32k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.77 |
| Quick ratio | 1.77 |
| Working capital ratio | 38.5% |
| Solvency | 49.7% |
| Debt / equity | 1.01 |
| Long-term debt ratio | - |
| Interest coverage | 232.54 |
| Gross margin | 32.5% |
| Net margin | 25.0% |
| ROA | 47.3% |
| ROE | 95.1% |
| EBITDA margin | 26.9% |
| Days sales outstanding | 116d |
| Days payable outstanding | 144d |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €83k |
| Fixed assets | 21/28 | €9k |
| Tangible fixed assets | 22/27 | €9k |
| Financial fixed assets | 28 | €300 |
| Current assets | 29/58 | €74k |
| Amounts receivable within one year | 40/41 | €71k |
| Cash & bank | 54/58 | €2k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €83k |
| Equity | 10/15 | €41k |
| Contributions / capital | 10/11 | €2k |
| Accumulated profits (losses) | 14 | €39k |
| Amounts payable | 17/49 | €42k |
| Amounts payable within one year | 42/48 | €42k |
| Trade debts payable within one year | 44 | €42k |
| Income statement | ||
| Turnover | 70 | €156k |
| Gross operating margin | 9900 | €51k |
| Operating result | 9901 | €39k |
| Financial charges | 65 | €181 |
| Result before taxes | 9903 | €39k |
| Net result for the period | 9904 | €39k |
| Result to be appropriated | 9905 | €39k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed94
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Connections & network
3 connected companiesNetwork connections
Shared address
→
Shared address
→
Shared address
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Establishment units
1 locationM.A.M SERVICES
since 20232.351.327.015
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area269 m²
Buildings1
Building footprint89 m²
Volume (LiDAR)707 m³
Tallest building10.1 m · ±3 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22004C0677/00T000 | Flanders | 210 m² | 1 · 89 m² | 10.1 m · 3 fl. |
| 11422C0453/00E000 | Flanders | 59 m² | - | - |
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.
Publications
Lifecycle & Insolvency Signals
2 events from the State Gazette29-08-2025
KBO administration
Address strikeout annulled
08-08-2025
KBO administration
Address struck
Time machine: BS events + macro context
2021-2026Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgisch Staatsblad · acts
3 acts Address history · 2
07-01-2026
v3.2
01-09-2025
v3.2
All acts · 3
updated 7 months ago
2026
07-01-2026 Registered office moved from Zaventem to Antwerpen
- Leuvensesteenweg 246, 1932 Zaventem → Bredabaan 308, 2170 Antwerpen
Summary:
v3.2
2025
01-09-2025 Registered office moved from Sint-Genesius-Rode to Zaventem
- Lindestraat 42, 1640 Sint-Genesius-Rode → Leuvensesteenweg 246, 1932 Zaventem
Summary:
v3.2
2023
22-06-2023 Incorporation of a new BV
Summary:
oprichting
Analysis
Snowflake analysis
financial profile on 5 axes86
/ 100
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
94
Profitability
100
Solvency
89
Growth
-
Stability
63
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Credit advice
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We hold annual accounts for 37 of the 352 companies in this sector. 28 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 100 m² en minder dan 400 m²)47113Overige vrachtbehandeling, exclusief in zeehavens52249Overige vrachtbehandeling, exclusief in zeehavens52249Handelsbemiddeling in auto's en lichte bestelwagens (= 3,5 ton)45112Handelsbemiddeling in de groothandel in andere specifieke goederen46180Goederenvervoer over de weg, m.u.v. verhuisbedrijven49410Goederenvervoer over de weg49410Logistieke diensten52250Overige vervoerondersteunende activiteiten52290Overige posterijen en koeriers53200Overige posterijen en koeriers53200
Primary activity highlighted.
Names & trade names
| Legal nameNL | M.A.M SERVICES |
Registration history
- 29-08-2025 Address strikeout annulled
- 08-08-2025 Address struck
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.