M.N3.S.
ActiveSummary
M.N3.S. has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28k and a net result of €4k. Equity is growing by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 84% of 4603 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+83
Solvency100▲+6
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.37 against 0.01 in 2024; short-term debt: 23.1% and cash: 7.8% of total assets), and 23.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
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
76.9%
Return on assets
11.2%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
8 d late
2023
9 d late
2022
3 d late
2021
8 d late
2020
1 d early
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€28k▲ 17.0%
2024 · €24k
2018: €21k
2019: €21k
2020: €20k
2021: €21k
2022: €30k
2023: €31k
2024: €24k
2018 → 2025
Total assets
€36k▲ 5.6%
2024 · €34k
2018: €30k
2019: €31k
2020: €27k
2021: €32k
2022: €38k
2023: €31k
2024: €34k
2018 → 2025
Net result
€4k
2024 · €-7k
2018: €38
2019: €16
2020: €-190
2021: €360
2022: €9k
2023: €1k
2024: €-7k
2018 → 2025
Working capital
€-5k▲ 49.1%
2024 · €-10k
2018: €-8k
2019: €-9k
2020: €-3k
2021: €-779
2022: €89
2024: €-10k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€21k-€30k▲ 44.3%€31k▲ 3.8%€24k▼ 23.7%€28k▲ 17.0%
Operating result€360-€9k▲ 2,476%€1k▼ 87.4%€-7k€4k
Net result€360-€9k▲ 2,469%€1k▼ 87.5%€-7k€4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €4k after a loss of €7k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €36k
Fixed assets
€33k ▼ 3.1%
Current assets
€3k ▲ 3,292%
Equity and liabilities €36k
Equity
€28k ▲ 17.0%
Debt
€8k ▼ 20.2%
Debt's share of the balance-sheet total falls from 30.6% to 23.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€5k▲
2024 · €-6k
Cash flow
€5k▲
2024 · €-6k
Current ratio
0.37▲
2024 · 0.01
Debt to equity
0.30▼
2024 · 0.44
ROE
14.5%▲
2024 · -31.1%
ROA
11.2%▲
2024 · -21.6%
Interest coverage
58.34▲
2024 · -41.24
Debt ≤ 1 year
€8k▼
2024 · €11k
Staff costs
€205
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 34 lines
Balance sheet
Code20242025
Assets
Total assets20/58€34k€36k▲
Fixed assets21/28€34k€33k▼
Intangible fixed assets21€30k€30k=
Tangible fixed assets22/27€4k€3k▼
Furniture and vehicles24€4k€3k▼
Current assets29/58€91€3k▲
Amounts receivable within one year40/41€76€260▲
Other amounts receivable41€76€260▲
Cash at bank and in hand54/58€15€3k▲
Equity and liabilities
Total equity and liabilities10/49€34k€36k▲
Equity10/15€24k€28k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€3k€7k▲
Amounts payable17/49€11k€8k▼
Amounts payable within one year42/48€11k€8k▼
Trade debts44€730-
Suppliers440/4€730-
Taxes, remuneration and social security45€2k-
Remuneration and social security454/9€2k-
Other amounts payable47/48€8k€8k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€205
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k=
Other operating charges640/8€1k€1k▲
Gross operating margin9900€-5k€7k▲
Operating profit (loss)9901€-7k€4k▲
Financial charges65/66B€151€89▼
Recurring financial charges65€151€89▼
Profit (loss) for the period before taxes9903€-7k€4k▲
Profit (loss) for the period9904€-7k€4k▲
Profit (loss) for the period to be appropriated9905€-7k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€7k▲
Profit (loss) brought forward from the previous period14P€11k€3k▼
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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
08-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 8 days late
2024
31-12
Financial
Weakest financial yearnet €-7k ▼741%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
09-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 9 days late
2023
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
31-12
Financial
Highest result since 2018net €9k ▲2469%
Operating result €9k, net result €9k, both a record.
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 8 days late
2021
31-12
Financial
Back to profitnet €360
Net result €360 after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
09-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 40 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Wemmel · 1 establishment unit since 1997
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.
J. Vanden Broeckstraat 131780 WemmelGround area
869 m²
Building footprint
196 m²
Volume, LiDAR
2,176 m³
Parcel 22662B0130/00R002, Flanders · tallest building 13.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
J. Vanden Broeckstraat 13, 1780 Wemmel
since 19972.056.959.729
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22662B0130/00R002 | Flanders | 869 m² | 1 · 196 m² | 13.5 m · 4 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
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M-RED COMPANY
BE 1014.621.681
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URBAN TAXI
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Nabi Zada
BE 1016.800.025
Kortenberg · Eq €27,808
OZDEVECI
BE 0682.542.973
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Of 6,686 companies in sector 49330 we hold annual accounts for 2,295. 1,979 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-12-1991
Fiscal year end31-12
Activities, NACEBEL 2025
49330On-demand passenger transport by chauffeured vehicle
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:afkirmourad6@gmail.com
Phone:0492127153