M & M
ActiveM & M has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €349k and a net result of €34k. Equity is growing by ~18.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 18040 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 21.84 against 17.12 in 2024; short-term debt: 3.9% and cash: 33% of total assets), and 3.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
96.1%
Return on assets
9.4%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 15-01-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
32 d early
2023
19 d early
2022
8 d early
2021
3 d early
2020
3 d early
2019
60 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€349k▲ 10.9%
2024 · €315k
2019: €31k
2020: €137k
2021: €194k
2022: €246k
2023: €279k
2024: €315k
2019 → 2025
Total assets
€364k▲ 10.3%
2024 · €330k
2019: €132k
2020: €227k
2021: €262k
2022: €251k
2023: €288k
2024: €330k
2019 → 2025
Net result
€34k▼ 4.0%
2024 · €36k
2019: €-13k
2020: €106k
2021: €57k
2022: €52k
2023: €33k
2024: €36k
2019 → 2025
Working capital
€298k▲ 24.9%
2024 · €239k
2019: €63k
2020: €168k
2021: €225k
2022: €246k
2023: €228k
2024: €239k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€194k-€246k▲ 26.9%€279k▲ 13.6%€315k▲ 12.8%€349k▲ 10.9%
Operating result€85k-€77k▼ 9.7%€52k▼ 32.7%€55k▲ 5.5%€49k▼ 10.0%
Net result€57k-€52k▼ 7.8%€33k▼ 35.8%€36k▲ 6.9%€34k▼ 4.0%
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 10% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €364k
Fixed assets
€51k▼ 33.0%
Current assets
€313k▲ 23.3%
Equity and liabilities €364k
Equity
€349k▲ 10.9%
Debt
€14k▼ 3.4%
The debt ratio falls from 4.5% to 3.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€74k▲
2024 · €68k
Cash flow
€59k▲
2024 · €49k
Solvency
96.1%▲
2024 · 95.5%
Current ratio
21.84▲
2024 · 17.12
Quick ratio
21.84▲
2024 · 17.12
Debt / equity
0.04▼
2024 · 0.05
ROE
9.8%▼
2024 · 11.4%
ROA
9.4%▼
2024 · 10.8%
Interest coverage
1307.39▼
2024 · 1878.72
Debt
€14k▼
2024 · €15k
Debt ≤ 1 year
€14k▼
2024 · €15k
Income taxes
€20k▼
2024 · €20k
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€330k€364k▲
Fixed assets21/28€76k€51k▼
Tangible fixed assets22/27€76k€51k▼
Furniture and vehicles24€76k€51k▼
Current assets29/58€254k€313k▲
Amounts receivable within one year40/41€8k€13k▲
Trade receivables40€8k€7k▼
Other amounts receivable41€8€7k▲
Current investments50/53€150k€170k▲
Cash at bank and in hand54/58€90k€120k▲
Deferred charges and accrued income490/1€5k€9k▲
Equity and liabilities
Total equity and liabilities10/49€330k€364k▲
Equity10/15€315k€349k▲
Contributions10/11€19k€19k=
Reserves13€297k€331k▲
Distributable reserves133€297k€331k▲
Amounts payable17/49€15k€14k▼
Amounts payable within one year42/48€15k€14k▼
Trade debts44€8k€9k▲
Suppliers440/4€8k€9k▲
Taxes, remuneration and social security45€3k€6k▲
Taxes450/3€3k€6k▲
Other amounts payable47/48€5k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€25k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€70k€76k▲
Operating profit (loss)9901€55k€49k▼
Financial income75/76B€1k€5k▲
Recurring financial income75€1k€5k▲
Financial charges65/66B€36€57▲
Recurring financial charges65€36€57▲
Profit (loss) for the period before taxes9903€56k€54k▼
Income taxes67/77€20k€20k▼
Profit (loss) for the period9904€36k€34k▼
Profit (loss) for the period to be appropriated9905€36k€34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€34k▼
Transfer to equity691/2€36k€34k▼
To other reserves6921€36k€34k▼
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
15-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
30-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
12-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Liquidity times 7current ratio 46.06
Current ratio from 7.07 to 46.06; short-term debt falls from €37k to €5k.
30-06
Financial
Equity above €200kEq €246k ▲26.9%
3 profitable years in a row build equity to €246k.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €150kEq €194k ▲41.2%
2 profitable years in a row build equity to €194k.
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Back to profitnet €106k
Net result €106k after one loss-making year.
30-06
Financial
Equity above €100kEq €137k ▲348%
Equity rises from €31k to €137k.
31-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
28-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Ranst · 1 establishment unit since 2003
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.
Oostmalsesteenweg 102520 RanstGround area
2,019 m²
Building footprint
400 m²
Volume, LiDAR
2,122 m³
2 parcels, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
M & M
since 20032.131.526.993
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11015A0240/00G000 | Flanders | 1,141 m² | 1 · 212 m² | 7.4 m · 2 fl. |
| 11015A0235/00D000 | Flanders | 878 m² | 1 · 187 m² | 8.1 m · 2 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
REJOTEX
BE 0446.897.311
Zwevegem · Eq €351k
Enfants de la Paix
BE 0422.464.395
Verviers · Eq €346k
MARNA
BE 0430.137.095
Erpe-Mere · Eq €353k
TREMOBO
BE 0435.639.371
Tremelo · Eq €344k
LT FASHION
BE 0882.799.473
Dendermonde · Eq €340k
Of 1,272 companies in sector 47512 we hold annual accounts for 581. 433 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-10-1989
Fiscal year end30-06
Activities, NACEBEL
47512Retail sale of household textiles and bedding
52410
70200Business and other management consultancy
46711Wholesale of cars and light vans (up to 3.5 tonnes)
46712Wholesale trade
46412Wholesale of household textiles and bedding
51410
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.