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Complete company report
Generated 21-08-2026
Active BE 0677.435.924Private limited company (pre-2019)Open bankruptcy

M.M.R & CO

· 9 yrs active
Conclusion Checked

A bankruptcy procedure is open for M.M.R & CO according to publications in the Belgian State Gazette. The file additionally contains 1 administrative flag. The 2022 annual accounts show negative equity (€-6k) and a net result of €2k.

Based on the State Gazette, CBE and 5 annual accounts.
Key figures
Equity €-6k
Net result €2k
Staff (FTE) 3
Active 9 yrs
Financial profile 5 of 5 axes measured · computed by Checked
Health0Profitability11Solvency44Growth56Stability0
22 / 100

Fragile profile, watch health in particular.

All 5 axes are computed from data Checked has read.

Health 0
Profitability 11
Solvency 44
Growth 56
Stability 0
Bankruptcy probability (12 mo) Checked model v1 · free

Bankruptcy opened

A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Risk Assessment rule-based
53 / 100
High riskRegister: open bankruptcy
This score counts publications in the Belgian State Gazette only. The KBO register additionally records legal situation 050 for this company; it does not feed the figure above.
Components
· Open bankruptcy (+50)
· 1 administrative flag (+3)
Trust signals 2 signals
Register: open bankruptcy
The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.
Open bankruptcy
Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.
Administrative Flags1 events
Address struck
Health barometer FY 2022 · computed
0 / 100 Critical
050100
Computed from 6 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2022 and an insolvency signal from the Belgian State Gazette. Indicative, not credit advice.
Financial overview6 NBB filings
Annual accounts filed on 23-08-2023 with the NBB · fiscal year 2022 · micro
€-100k€0€100k€200k€300kRevenue 2018: €219k€219kOperating result 2018: €14k€14kNet result 2018: €-8k€-8kRevenue 2019: €232k€232kOperating result 2019: €17k€17kNet result 2019: €6k€6kRevenue 2020: €136k€136kOperating result 2020: €-17k€-17kNet result 2020: €-12k€-12kRevenue 2021: €207k€207kOperating result 2021: €-14k€-14kNet result 2021: €-14k€-14kRevenue 2022: €280k€280kOperating result 2022: €2k€2kNet result 2022: €2k€2k20182019202020212022
RevenueOperating resultNet result
Revenue
€280k
+35.3% 18-22
EBITDA
€3k
- 18-22
Net profit
€2k
- 18-22
Cash flow
€3k
- 18-22
Total assets
€127k
+12.0% 18-22
Equity
€-6k
+26.5% 18-22
Working capital
€-1k
+72.8% 18-22
Employees (FTE)
3
+30.4% 18-22
Show 14 other metrics
Staff costs
€47k
+14.5% 18-22
Income taxes
€3k
- 18-22
Debt
€133k
+9.4% 18-22
Debt ≤ 1y
€128k
+9.8% 18-22
Debt > 1y
€5k
0.0% 18-22
Current ratio
0.99
+2.6% 18-22
Quick ratio
0.16
+68.2% 18-22
Solvency
-4.8%
+34.4% 18-22
Debt / equity
-21.96
-48.8% 18-22
ROE
-36.0%
- 18-22
ROA
1.7%
- 18-22
Net margin
0.8%
- 18-22
EBITDA margin
1.0%
- 18-22
Interest coverage
24.40
- 18-22
Figures by fiscal year
Fiscal year2022
Depositmicro
Revenue€280k
EBITDA€3k
Net profit€2k
Cash flow€3k
Staff costs€47k
Income taxes-
Dividends-
Total assets€127k
Equity€-6k
Debt€133k
of which ≤ 1y€128k
of which > 1y€5k
Working capital€-1k
Employees (FTE)3.0
Ratios (computed)
2022
Current ratio0.99
Quick ratio0.16
Working capital ratio-0.8%
Solvency-4.8%
Debt / equity-21.96
Long-term debt ratio-0.83
Interest coverage24.40
Gross margin18.2%
Net margin0.8%
ROA1.7%
ROE-36.0%
EBITDA margin1.0%
Days sales outstanding19d
Days payable outstanding75d
Inventory turnover2.14
Days inventory (DSI)170d
Full annual accounts (21 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2022
Balance sheet, Assets
TOTAL ASSETS 20/58€127k
Current assets 29/58€127k
Stocks & contracts in progress 3€107k
Amounts receivable within one year 40/41€14k
Cash & bank 54/58€6k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€127k
Equity 10/15€-6k
Contributions / capital 10/11€17k
Reserves 13€452
Accumulated profits (losses) 14€-24k
Amounts payable 17/49€133k
Amounts payable after one year 17€5k
Amounts payable within one year 42/48€128k
Trade debts payable within one year 44€47k
Income statement
Turnover 70€280k
Gross operating margin 9900€51k
Operating result 9901€2k
Financial charges 65€120
Result before taxes 9903€2k
Net result for the period 9904€2k
Result to be appropriated 9905€2k
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 4 directors
Current directors & mandates
  • RIAZ Shahid
    Managing director
    State Gazette act 24093412 (21-06-2024)
    Current
    21-06-2024 → present
  • Rafiq Mohammed Amir
    Director
    State Gazette act 24039677 (06-03-2024)
    Current
    01-01-2024 → present
Former directors (2)
  • RAFIQ Mohammed
    Managing director
    State Gazette act 24093412 (21-06-2024)
    Former
    - → 21-06-2024
  • Mannan Nazmun Mim K
    Director
    State Gazette act 24039677 (06-03-2024)
    Former
    - → 31-12-2023
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Directors & mandates1 person
Role Name Tenure Source
Curator HERVE POLLET
RUE T’SERCLAES DE TILLY 49, 6061 MONTIGNIES-SUR-SAMBRE- . Date provisoire de cessation de paiement : 07/04/2025
 07-04-2025 → present Belgian State Gazette
Legal Structure
NACE primary -
Legal form Private limited company (pre-2019)(015)
Incorporation21-06-2017
StatusActive
Postal code-
First BS signal 14-04-2025
Latest BS signal 14-04-2025
Establishment units 1 location
YOUNG DIYER
Detailhandel in tabaksproducten
since 20182.272.060.197
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels 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.

Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62815C0217/00R000 Wallonia 134 m² 1 · 62 m² 11.6 m · 3 fl.
52011B0163/00A000 Wallonia 75 m² 1 · 63 m² 16.0 m · 5 fl.
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.
Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
22-08-2025
KBO administration Address struck
Rue de la Régence 2 Die Sitzadresse Rue de la Régence 2 6000 Charleroi · event 31-07-2025
14-04-2025
Bankruptcy Opening
Tribunal de l’entreprise du Hainaut, division Charleroi · M.M.R & CO SPRL RUE DE LA REGENCE 2, 6000 CHARLEROI · event 07-04-2025
2024
21-06-2024
State Gazette act Capital & shares
06-03-2024
State Gazette act Capital & shares
2023
23-08-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
31-08-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
31-08-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
10-08-2020
NBB filing Annual accounts filed
fiscal year 2019 · volledig
2019
29-08-2019
NBB filing Annual accounts filed
fiscal year 2018 · volledig
2018
31-08-2018
NBB filing Annual accounts filed
fiscal year 2017 · volledig
Lifecycle & Insolvency Signals2 events
22-08-2025
KBO administration Address struck
Date: 31-07-2025 · Rue de la Régence 2 Die Sitzadresse Rue de la Régence 2 6000 Charleroi · Publications in State Gazette ↗
Full insolvency chronology

The full chronology lists every recorded event with its date, the competent court and the appointed liquidator or administrator. It answers at which stage the proceedings stand and whether they are still running.

We hold 1 further earlier event in this file, covering 07-04-2025 to 31-07-2025.

Available in Kantoor S. See plans →
Time machine, BS events + macro context 2021, 2026
COVID lockdownEnergiecrisisECB hikes2021202220232024202520262025-04-14 · Bankruptcy · Opening2025-08-22 · KBO administration · Address struck
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgian State Gazette reading coverage 0 of 9 acts read

We know of 9 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 2 acts
Capital history · 2
21-06-2024
Capital change
06-03-2024
Capital change
All acts · 2 updated 2 years ago
2024
21-06-2024 All shares are now held by a single shareholder Capital & shares
Technical details 
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  "bedrijfsrevisor": null,
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    "legal_form": "Soci\u00E9t\u00E9 \u00E0 Responsabilit\u00E9 Limit\u00E9e",
    "_kbo_filled_from_list": true,
    "is_foreign_registered": false
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
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  "co_filed_documents": [],
  "shareholders_after": [
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  "share_classes_after": []
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06-03-2024 Restructuring of share classes Capital & shares
Technical details 
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  "notary": {
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Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Names & trade names
Legal nameFR M.M.R & CO
Registration history
  1. 31-07-2025 Address struck
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative