M.B.
ActiveThe computed 12-month bankruptcy probability of M.B. is 1.9% (moderate). The 2025 annual accounts show equity of €16k and a net result of €-11k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 81% of 4488 sector peers (fiscal year 2025). The company has been active since 1992 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
Profitability0▼-2
Solvency98▼-2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.57 against 4.65 in 2024; short-term debt: 27.1% and cash: 41.2% of total assets), and 27.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
72.9%
Return on assets
-49.8%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-11k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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
30 d late
2024
23 d late
2023
7 d early
2022
4 d early
2021
9 d early
2020
7 d early
2019
4 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€11k
EBIT margin
109.9%
Net result
€-11k▼ 179%
2024 · €-4k
2018: €-6k
2019: €3k
2020: €13k
2021: €9k
2022: €-6k
2023: €2k
2024: €-4k
2018 → 2025
Working capital
€3k▼ 68.4%
2024 · €10k
2018: €6k
2019: €12k
2020: €15k
2021: €28k
2022: €25k
2023: €30k
2024: €10k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€34k-€28k▼ 16.9%€30k▲ 7.8%€26k▼ 12.7%€16k▼ 40.6%
Operating result€9k-€-5k€3k€-3k€-11k▼ 234%
Net result€9k-€-6k€2k€-4k€-11k▼ 179%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €11k in 2025 against €3k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €22k
Fixed assets
€12k▼ 22.3%
Current assets
€9k▼ 31.5%
Equity and liabilities €22k
Equity
€16k▼ 40.6%
Debt
€6k▲ 103%
The debt ratio rises from 9.8% to 27.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-4k▼
2024 · €-1k
Cash flow
€-5k▼
2024 · €-2k
Solvency
72.9%▼
2024 · 90.2%
Current ratio
1.57▼
2024 · 4.65
Quick ratio
1.57▼
2024 · 4.65
Debt / equity
0.37▲
2024 · 0.11
ROE
-68.3%▼
2024 · -14.5%
ROA
-49.8%▼
2024 · -13.1%
Interest coverage
-26.76▼
2024 · -1.70
Debt
€6k▲
2024 · €3k
Debt ≤ 1 year
€6k▲
2024 · €3k
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€29k€22k▼
Fixed assets21/28€16k€12k▼
Tangible fixed assets22/27€16k€12k▼
Furniture and vehicles24€16k€12k▼
Current assets29/58€13k€9k▼
Amounts receivable within one year40/41€2k€267▼
Other amounts receivable41€2k€267▼
Cash at bank and in hand54/58€12k€9k▼
Equity and liabilities
Total equity and liabilities10/49€29k€22k▼
Equity10/15€26k€16k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€8k€-3k▼
Amounts payable17/49€3k€6k▲
Amounts payable within one year42/48€3k€6k▲
Trade debts44€75€190▲
Suppliers440/4€75€190▲
Other amounts payable47/48€3k€6k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€6k▲
Other operating charges640/8€120€3k▲
Gross operating margin9900€-1k€-2k▼
Operating profit (loss)9901€-3k€-11k▼
Financial income75/76B€2€0▼
Recurring financial income75€2€0▼
Financial charges65/66B€691€168▼
Recurring financial charges65€691€168▼
Profit (loss) for the period before taxes9903€-4k€-11k▼
Profit (loss) for the period9904€-4k€-11k▼
Profit (loss) for the period to be appropriated9905€-4k€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€-3k▼
Profit (loss) brought forward from the previous period14P€12k€8k▼
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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Weakest financial yearnet €-11k
Net result drops to €-11k, the lowest in the series.
23-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 23 days late
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
24-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €13k ▲326%
Operating result €12k, net result €13k, both a record.
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
31-12
Financial
Liquidity times 25current ratio 117.42
Current ratio from 4.71 to 117.42; short-term debt falls from €2k to €102.
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
29-09-2025
SRIHI Kassem: Resigned as Director
30-06-2011
BELHADJ OMAR: Resigned as Managing director
12-10-2010
Srihi Hamid: Resigned as Managing director
Location & real-estate footprint
Registered office, Schaarbeek · 1 establishment unit since 1992
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.
de Lochtstraat 771030 SchaarbeekGround area
407 m²
Building footprint
167 m²
Volume, LiDAR
2,540 m³
Parcel 21910E0204/00S003, Brussels · tallest building 18.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
de Lochtstraat 77, 1030 Schaarbeek
since 19922.059.480.145
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21910E0204/00S003 | Brussels | 407 m² | 1 · 167 m² | 18.6 m · 5 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.
Similar companies · same sector, comparable size
BEN-GAFSI
BE 0452.115.020
Brussel · Eq €16k
MLD Services
BE 1006.868.908
Beveren-Kruibeke-Zwijndrecht · Eq €16k
JA-TRANSPORTAX
BE 1001.169.959
Antwerpen · Eq €16k
RILKA
BE 0821.692.938
Sint-Niklaas · Eq €16k
AL EXPRESS
BE 0724.946.425
Sint-Joost-ten-Node · Eq €16k
Of 7,037 companies in sector 49320 we hold annual accounts for 2,712. 2,165 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-04-1992
Fiscal year end31-12
Activities, NACEBEL
49320Non-scheduled passenger transport by road
49330On-demand passenger transport by chauffeured vehicle
49390Land transport and transport via pipelines
60220
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.