Financials
- Fiscal year
- 2025
- Total assets
- €78,649
- Profit
- €5,392
- Solvency
- 10.0%
M&R Management
ActiveSummary
The computed 12-month bankruptcy probability of M&R Management is 1.5% (moderate). The 2025 annual accounts show equity of €7,892 and a net result of €5,392. Its solvency ranks better than 20% of 12386 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Retail sale of bread and pastry (bakery outlets)
NACE 47241Limited-service restaurants, excluding mobile food services NACE 56112
2 sites
Size
€78,649total assets 2025
- Staff
- 3.8 FTE
- Equity
- €7,892
- Profit
- €5,392
Turnover not published (abridged schema)
Structure
Accounts filed 27 d late0 of 1 deed read
Why 63- Founded in 2024- Equity €7,892 (10.0% of total assets)- Size: 3.8 FTE, total assets €78,649+ Liquidity: current ratio 1.11, cash €64,358Show the evidence
Checked score
Score 2025
63
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 41% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength
Average
Solvency
35
equity 10.0% of total assets
Liquidity
51
short-term debt 88.2% · cash 81.8%
Profitability
59
return on assets 6.9%
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2025: 2.0%
01-2026: 2.1%▲ +2.7% vs 12-2025
02-2026: 2.5%▲ +19.1% vs 01-2026
03-2026: 2.6%▲ +5.2% vs 02-2026
04-2026: 2.6%▲ +0.5% vs 03-2026
05-2026: 2.9%▲ +10.3% vs 04-2026
06-2026: 3.2%▲ +10.4% vs 05-2026
07-2026: 3.3%▲ +1.8% vs 06-2026highest value
08-2026: 3.2%▼ -3.1% vs 07-2026
09-2026: 1.5%▼ -53.8% vs 08-2026lowest value
10-2026: 1.5%▲ +4.4% vs 09-2026
- Liquidity: current ratio 1.11, cash €64,358 lowers the probability
- Founded in 2024 raises the probability for this profile
- Equity €7,892 (10.0% of total assets) raises the probability
- Size: 3.8 FTE, total assets €78,649 raises the probability for this profile
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 27%, liquidity 55%, profitability 41%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 12386 sector peers (2025).
NBB · sector comparisonPosition among 12386 sector peers
Solvency
better than 20%
← weakest
strongest →
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 · 1 filingDeviation from the deadline
2025
27 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · abbreviated…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
- 27-08-2026Annual accounts filed
Company details
- Sites
- 2
- Legal form
- Private limited company
- Activity
- Retail sale of bread and pastry (bakery outlets)NACE 47241
- Founded
- 05-11-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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