M & M International Trading
ActiveM & M International Trading has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €145k and a net result of €34k. Equity is growing by ~37.6% per year across the filed fiscal years. Its solvency ranks better than 51% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
70
/ 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
Profitability78▲+2
Solvency56▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity tight (current ratio 1.23 against 0.97 in 2024; short-term debt: 20.9% and cash: 0.9% of total assets), and 69.5% of the assets are financed with debt.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
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
30.5%
Return on assets
7.2%
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 27-08-2026, 27 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
27 d late
2024
1 d early
2023
1 d early
2022
25 d late
2021
3 d early
2020
25 d late
2019
84 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€145k▲ 31.0%
2024 · €111k
2018: €18k
2019: €20k
2020: €14k
2021: €14k
2022: €47k
2023: €82k
2024: €111k
2018 → 2025
Total assets
€475k▼ 3.2%
2024 · €490k
2018: €362k
2019: €561k
2020: €572k
2021: €546k
2022: €524k
2023: €528k
2024: €490k
2018 → 2025
Net result
€34k▲ 20.4%
2024 · €28k
2018: €-9k
2019: €2k
2020: €-6k
2021: €338
2022: €33k
2023: €35k
2024: €28k
2018 → 2025
Working capital
€23k
2024 · €-4k
2018: €-50k
2019: €-55k
2020: €-56k
2021: €-54k
2022: €-22k
2023: €-4k
2024: €-4k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€14k-€47k▲ 229%€82k▲ 75.7%€111k▲ 34.6%€145k▲ 31.0%
Operating result€15k-€62k▲ 321%€65k▲ 5.1%€53k▼ 18.1%€56k▲ 5.6%
Net result€338-€33k▲ 9,539%€35k▲ 8.7%€28k▼ 19.7%€34k▲ 20.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 6% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €475k
Fixed assets
€353k▼ 5.4%
Current assets
€122k▲ 3.9%
Equity and liabilities €475k
Equity
€145k▲ 31.0%
Debt
€330k▼ 13.1%
The debt ratio falls from 77.4% to 69.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€77k▲
2024 · €74k
Cash flow
€54k▲
2024 · €49k
Solvency
30.5%▲
2024 · 22.6%
Current ratio
1.23▲
2024 · 0.97
Quick ratio
0.54▲
2024 · 0.43
Debt / equity
2.28▼
2024 · 3.43
ROE
23.6%▼
2024 · 25.7%
ROA
7.2%▲
2024 · 5.8%
Interest coverage
13.64▲
2024 · 11.82
Debt
€330k▼
2024 · €380k
Debt ≤ 1 year
€99k▼
2024 · €121k
Debt > 1 year
€231k▼
2024 · €259k
Income taxes
€17k▼
2024 · €20k
Staff costs
€0▼
2024 · €176
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€490k€475k▼
Fixed assets21/28€373k€353k▼
Tangible fixed assets22/27€373k€353k▼
Land and buildings22€355k€341k▼
Furniture and vehicles24€7k€4k▼
Other tangible fixed assets26€10k€8k▼
Financial fixed assets28€60€60=
Current assets29/58€117k€122k▲
Stocks and contracts in progress3€65k€68k▲
Stocks30/36€65k€68k▲
Amounts receivable within one year40/41€19k€49k▲
Trade receivables40€8k€14k▲
Other amounts receivable41€11k€35k▲
Cash at bank and in hand54/58€31k€4k▼
Deferred charges and accrued income490/1€2k€363▼
Equity and liabilities
Total equity and liabilities10/49€490k€475k▼
Equity10/15€111k€145k▲
Contributions10/11€19k€19k=
Reserves13€92k€92k=
Non-distributable reserves130/1€16€16=
Reserves not available under the articles1311€16€0▼
Other1319-€16
Distributable reserves133€92k€92k=
Profit (loss) carried forward14-€34k
Amounts payable17/49€380k€330k▼
Amounts payable after more than one year17€259k€231k▼
Financial debts170/4€238k€210k▼
Other amounts payable178/9€20k€20k=
Amounts payable within one year42/48€121k€99k▼
Current portion of amounts payable after more than one year42€31k€30k▼
Financial debts43€6k€5k▼
Credit institutions430/8€6k€5k▼
Trade debts44€52k€26k▼
Suppliers440/4€52k€26k▼
Advances received on contracts in progress46€13k€15k▲
Taxes, remuneration and social security45€19k€23k▲
Taxes450/3€19k€23k▲
Income statement
Code20242025
Remuneration, social security and pensions62€176€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€20k▼
Other operating charges640/8€4k€4k▲
Gross operating margin9900€78k€81k▲
Operating profit (loss)9901€53k€56k▲
Financial income75/76B€994€305▼
Recurring financial income75€994€305▼
Financial charges65/66B€6k€6k▼
Recurring financial charges65€6k€6k▼
Profit (loss) for the period before taxes9903€48k€51k▲
Income taxes67/77€20k€17k▼
Profit (loss) for the period9904€28k€34k▲
Profit (loss) for the period to be appropriated9905€28k€34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€28k€34k▲
Transfer to equity691/2€28k€0▼
To other reserves6921€28k€0▼
The notes to these accounts (12 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €111k ▲34.6%
4 profitable years in a row build equity to €111k.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €35k ▲8.7%
Operating result €65k, net result €35k, both a record.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €338
Net result €338 after one loss-making year.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 84 days late
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Antwerpen · 2 establishment units since 2005
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.
Prieelstraat 152610 AntwerpenGround area
5,564 m²
Building footprint
403 m²
Volume, LiDAR
8,743 m³
2 parcels, Flanders · tallest building 28.8 m, ±9 floors. Linked by address, not a title deed.
2 establishment units
M & M International Trading
since 20052.150.056.468
Fruithoflaan 13, 2600 Antwerpen
since 20202.310.857.526
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11003A0356/00V011 | Flanders | 5,366 m² | 1 · 321 m² | 28.8 m · 9 fl. |
| 11051B0337/00R004 | Flanders | 198 m² | 1 · 82 m² | 10.5 m · 3 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.
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Of 9,140 companies in sector 68201 we hold annual accounts for 6,769. 4,534 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded06-10-2004
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
70201
68310Real estate agency activities
68311Real estate activities
70311
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.