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M.nima

Active
Private limited companyfounded 20233 yrs activeChaussée de Bruxelles 75, 6040 Charleroi, BelgiumKBO/BCE: BE 0797.948.823

The file of M.nima contains 1 historical bankruptcy publication, as published in the Belgian State Gazette.

Summary

The computed 12-month bankruptcy probability is 3.9% (moderate). The 2024 annual accounts show equity of €7,304 and a net result of -€1,891. Its solvency ranks better than 28% of 9974 sector peers (fiscal year 2024).

Checked score

Score 2024
Axes · tick = 2023
Profitability56▼-36
Solvency46▼-3
Growth32
Track record79
Bankruptcy probability, 12 months
3.9% Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.14 against 1.09 in 2023; short-term debt: 77.7% and cash: 7.6% of total assets), and 78.7% of the assets are financed with debt.
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Signals

Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 3 years 0 10 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies more bankruptcies →
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 2024
Solvency, return and age of the figures
Solvency
21.3%
Return on assets
-5.5%
Age of the figures
21 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Prior bankruptcy
Earlier bankruptcy on record in the Belgian State Gazette, no current open procedure.
Belgian State Gazette
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 2 filings
Deviation from the deadline
2025
not confirmed
2024
61 d late
2023
30 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 46 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

M.nima was incorporated on 2 February 2023 as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2024

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Financials · fiscal year 2024, micro schema

Equity
€7,304▼ 20.6%
2023 · €9,195
Total assets
€34,253▼ 12.4%
2023 · €39,091
Net result
-€1,891
2023 · €7,195
Working capital
€3,728▲ 38.0%
2023 · €2,701
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20232024
Operating result€10,585--€1,538
Net result€7,195within the sector's middle half--€1,891below the sector's middle half
Equity€9,195below the sector's middle half-€7,304below the sector's middle half▼ 20.6%
Total assets€39,091below the sector's middle half-€34,253below the sector's middle half▼ 12.4%
Debt€29,896-€26,949▼ 9.9%
Working capital€2,701-€3,728▲ 38.0%
Solvency23.5%within the sector's middle half-21.3%within the sector's middle half▼ 2.2pp
above within below the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€5,000€0€5,000€10,000Operating result 2023: €10,585€10,585Net result 2023: €7,195€7,195Operating result 2024: -€1,538-€1,538Net result 2024: -€1,891-€1,89120232024-€5,000€0€5,000€10,000Operating result 2023: €10,585€10,600Net result 2023: €7,195€7,200Operating result 2024: -€1,538-€1,540Net result 2024: -€1,891-€1,89020232024
The operating result turns negative in 2024: a loss of €1,538 after €10,585 in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €34,253
Fixed assets €3,922 ▼ 39.6%
Current assets €30,331 ▼ 7.0%
Equity and liabilities €34,253
Equity €7,304 ▼ 20.6%
Debt €26,949 ▼ 9.9%
Debt's share of the balance-sheet total rises from 76.5% to 78.7%. Equity and debt are lower.
Key figures and ratios
2024 value · change against 2023
EBITDA
€1,034▼
2023 · €11,808
Cash flow
€682▼
2023 · €8,419
Current ratio
1.14▲
2023 · 1.09
Debt to equity
3.69▲
2023 · 3.25
ROE
-25.9%▼
2023 · 78.3%
ROA
-5.5%▼
2023 · 18.4%
Interest coverage
5.31▼
2023 · 278.95
Debt ≤ 1 year
€26,603▼
2023 · €29,896
Income taxes
€731▼
2023 · €3,479
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 1,270 companies that looked in July 2024 the way this one looks now, 3.6% went bankrupt within 24 months and 93% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 10 to 30%
  • a small loss
3.6% went bankrupt
2.0% stopped otherwise
93% still going

A further 1.0% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 3.9% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 1,270 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 39 lines
Balance sheet Code20232024
Assets
Total assets20/58€39,091€34,253▼
Fixed assets21/28€6,494€3,922▼
Tangible fixed assets22/27€6,494€3,922▼
Plant, machinery and equipment23€5,209€3,160▼
Furniture and vehicles24€1,286€762▼
Current assets29/58€32,597€30,331▼
Amounts receivable within one year40/41€20,465€27,717▲
Trade receivables40€15,100€12,693▼
Other amounts receivable41€5,365€15,024▲
Cash at bank and in hand54/58€12,132€2,614▼
Equity and liabilities
Total equity and liabilities10/49€39,091€34,253▼
Equity10/15€9,195€7,304▼
Contributions10/11€2,000€2,000=
Reserves13€7,195€7,195=
Distributable reserves133€7,195€7,195=
Profit (loss) carried forward14--€1,891
Amounts payable17/49€29,896€26,949▼
Amounts payable within one year42/48€29,896€26,603▼
Trade debts44€12,847€1,144▼
Suppliers440/4€12,847€1,144▼
Advances received on contracts in progress46€360€360=
Taxes, remuneration and social security45€16,689€25,100▲
Taxes450/3€16,689€25,100▲
Accrued charges and deferred income492/3-€345
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,224€2,573▲
Other operating charges640/8€2,568€940▼
Gross operating margin9900€14,376€1,974▼
Operating profit (loss)9901€10,585-€1,538▼
Financial income75/76B€132€573▲
Recurring financial income75€132€573▲
Financial charges65/66B€42€195▲
Recurring financial charges65€42€195▲
Profit (loss) for the period before taxes9903€10,674-€1,160▼
Income taxes67/77€3,479€731▼
Profit (loss) for the period9904€7,195-€1,891▼
Profit (loss) for the period to be appropriated9905€7,195-€1,891▼
Appropriation of the result
Profit (loss) to be appropriated9906€7,195-€1,891▼
Transfer to equity691/2€7,195-
To other reserves6921€7,195-

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20232024Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,224€2,573▲ 110%
Other operating charges640/8€2,568€940▼ 63.4%
Gross operating margin9900€14,376€1,974▼ 86.3%
Operating profit (loss)9901€10,585-€1,538▼ 115%
Financial income75/76B€132€573▲ 334%
Recurring financial income75€132€573▲ 334%
Financial charges65/66B€42€195▲ 360%
Recurring financial charges65€42€195▲ 360%
Profit (loss) for the period before taxes9903€10,674-€1,160▼ 111%
Income taxes67/77€3,479€731▼ 79.0%
Profit (loss) for the period9904€7,195-€1,891▼ 126%
Profit (loss) for the period to be appropriated9905€7,195-€1,891▼ 126%
Line20232024Change
Assets
Total assets20/58€39,091€34,253▼ 12.4%
Fixed assets21/28€6,494€3,922▼ 39.6%
Tangible fixed assets22/27€6,494€3,922▼ 39.6%
Plant, machinery and equipment23€5,209€3,160▼ 39.3%
Furniture and vehicles24€1,286€762▼ 40.7%
Current assets29/58€32,597€30,331▼ 7.0%
Amounts receivable within one year40/41€20,465€27,717▲ 35.4%
Trade receivables40€15,100€12,693▼ 15.9%
Other amounts receivable41€5,365€15,024▲ 180%
Cash at bank and in hand54/58€12,132€2,614▼ 78.5%
Equity and liabilities
Total equity and liabilities10/49€39,091€34,253▼ 12.4%
Equity10/15€9,195€7,304▼ 20.6%
Contributions10/11€2,000€2,000=
Reserves13€7,195€7,195=
Distributable reserves133€7,195€7,195=
Profit (loss) carried forward14--€1,891-
Amounts payable17/49€29,896€26,949▼ 9.9%
Amounts payable within one year42/48€29,896€26,603▼ 11.0%
Trade debts44€12,847€1,144▼ 91.1%
Suppliers440/4€12,847€1,144▼ 91.1%
Advances received on contracts in progress46€360€360=
Taxes, remuneration and social security45€16,689€25,100▲ 50.4%
Taxes450/3€16,689€25,100▲ 50.4%
Accrued charges and deferred income492/3-€345-
Line20232024Change
Profit (loss) for the period9904€7,195-€1,891▼ 126%
+ Depreciation and write-downs630€1,224€2,573▲ 110%
Operating cash flow (approximation)€8,419€682▼ 91.9%
Investment in fixed assets (approximation)-€0-
Change in cash--€9,517-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

2025
30-09
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
30-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
31-07
Bankruptcy Judicial dissolution
Ondernemingsrechtbank Brussel
SignalNBB filing
0 of 5 acts read
About the unread acts

We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
5 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, Charleroi · 1 establishment unit since 2023
seat establishment The establishment unit on the map
Ground area
770 m²
Building footprint
126 m²
Volume, LiDAR
826 m³
2 parcels, Wallonia · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
M.nima
Rue de Montpellier 38, 6030 CharleroiGeneral construction of residential buildings
since 20232.341.575.149
2 parcels
Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
52363D0510/00Y002 Wallonia 453 m² 1 · 82 m² 8.4 m · 2 fl.
52044B0516/00G012 Wallonia 317 m² 1 · 45 m² 10.7 m · 3 fl.
Linked by address, not proof of ownership
Good to know
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

Of 29,787 companies in sector 41001 we hold annual accounts for 16,042. 7,992 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded02-02-2023
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
43110Demolition
43120Site preparation
43341Painting of buildings
Contact
E-mail M.nimasrl@hotmail.com
Phone +32455108337
E-invoicing
Reachable via Peppol
Peppol ID 0208:0797948823
Registered 23-12-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.