M&S SHOP
ActiveSummary
M&S SHOP has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9k and a net result of €48k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 27% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
69
/ 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
Profitability100▲+14
Solvency32▲+19
Growth58=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.33 against 1.11 in 2024; short-term debt: 51.1% and cash: 15.9% of total assets), and 93.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 47
Relative position
BE, all sectors
reference
Sector 47
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
6.6%
Return on assets
33.7%
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 04-07-2026, 27 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
27 d early
2024
24 d early
2023
2 d early
2022
7 d late
2021
32 d early
2020
32 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
€9k
2024 · €-16k
2018: €29k
2019: €19k
2020: €21k
2021: €33k
2022: €44k
2023: €-40k
2024: €-16k
2018 → 2025
Total assets
€142k▲ 4.6%
2024 · €136k
2018: €31k
2019: €20k
2020: €25k
2021: €34k
2022: €45k
2023: €107k
2024: €136k
2018 → 2025
Net result
€48k▲ 107%
2024 · €23k
2018: €-5k
2019: €-10k
2020: €5k
2021: €11k
2022: €11k
2023: €-83k
2024: €23k
2018 → 2025
Working capital
€24k▲ 153%
2024 · €9k
2018: €28k
2019: €19k
2020: €21k
2021: €27k
2022: €28k
2023: €-15k
2024: €9k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€33k-€44k▲ 33.9%€-40k€-16k▲ 58.5%€9k
Operating result€18k-€13k▼ 30.4%€-82k€32k€60k▲ 88.0%
Net result€11k-€11k▼ 1.3%€-83k€23k€48k▲ 107%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 88% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €142k
Fixed assets
€46k ▲ 5.5%
Current assets
€96k ▲ 4.2%
Equity and liabilities €142k
Equity
€9k
Debt
€133k
Debt finances 93.4% of the balance-sheet total.
Key figures and ratios
EBITDA
€66k▲
2024 · €37k
Cash flow
€54k▲
2024 · €28k
Current ratio
1.33▲
2024 · 1.11
Quick ratio
0.58▼
2024 · 0.67
Debt to equity
14.16▲
2024 · -9.27
ROE
510.7%
ROA
33.7%▲
2024 · 17.1%
Interest coverage
9.06▲
2024 · 5.52
Debt ≤ 1 year
€73k▼
2024 · €83k
Debt > 1 year
€60k▼
2024 · €69k
Income taxes
€5k▲
2024 · €2k
Staff costs
€90k▲
2024 · €78k
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 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€136k€142k▲
Fixed assets21/28€43k€46k▲
Tangible fixed assets22/27€42k€44k▲
Plant, machinery and equipment23€7k€6k▼
Furniture and vehicles24€13k€18k▲
Other tangible fixed assets26€22k€21k▼
Financial fixed assets28€2k€2k=
Current assets29/58€92k€96k▲
Stocks and contracts in progress3€37k€54k▲
Stocks30/36€37k€54k▲
Amounts receivable within one year40/41€4k€17k▲
Trade receivables40€3k€14k▲
Other amounts receivable41€732€3k▲
Cash at bank and in hand54/58€52k€23k▼
Deferred charges and accrued income490/1€664€3k▲
Equity and liabilities
Total equity and liabilities10/49€136k€142k▲
Equity10/15€-16k€9k▲
Contributions10/11€19k€19k=
Reserves13€44k€69k▲
Distributable reserves133€44k€69k▲
Profit (loss) carried forward14€-79k€-78k▲
Amounts payable17/49€152k€133k▼
Amounts payable after more than one year17€69k€60k▼
Other amounts payable178/9€69k€60k▼
Amounts payable within one year42/48€83k€73k▼
Trade debts44€37k€21k▼
Suppliers440/4€37k€21k▼
Bills of exchange payable441-€1
Taxes, remuneration and social security45€12k€18k▲
Taxes450/3€5k€9k▲
Remuneration and social security454/9€6k€9k▲
Other amounts payable47/48€34k€33k▼
Income statement
Code20242025
Remuneration, social security and pensions62€78k€90k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€6k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€118k€158k▲
Operating profit (loss)9901€32k€60k▲
Financial income75/76B€17€4▼
Recurring financial income75€17€4▼
Financial charges65/66B€7k€7k▲
Recurring financial charges65€7k€7k▲
Profit (loss) for the period before taxes9903€25k€53k▲
Income taxes67/77€2k€5k▲
Profit (loss) for the period9904€23k€48k▲
Profit (loss) for the period to be appropriated9905€23k€48k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-59k€-31k▲
Profit (loss) brought forward from the previous period14P€-82k€-79k▲
Transfer from equity791/2-€22k
Transfer to equity691/2€20k€47k▲
To other reserves6921€20k€47k▲
Profit to be distributed694/7-€22k
Return on contributions (dividend)694-€22k
The notes to these accounts (6 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
04-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €48k ▲107%
Operating result €60k, net result €48k, both a record.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-83k ▼851%
Net result drops to €-83k, the lowest in the series; recovery starts the following year.
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 17.61
Current ratio from 6.53 to 17.61; short-term debt falls from €4k to €2k.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
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
4 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, Quévy · 1 establishment unit since 2002
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.
Rue Emile Wauquier(ASQ) 567040 QuévyGround area
6,376 m²
Building footprint
596 m²
Volume, LiDAR
7,315 m³
Parcel 53003A0114/00C000, Wallonia · tallest building 14.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Rue Emile Wauquier(ASQ) 56, 7040 Quévy
since 20022.099.057.729
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53003A0114/00C000 | Wallonia | 6,376 m² | 1 · 596 m² | 14.6 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteQuévy2.099.057.729
Similar companies · same sector, comparable size
EXPRESS LIVINGSTONE
BE 0567.912.630
Brussel · Eq €9,361
DML ELECTRO
BE 0670.866.648
Brussel · Eq €9,368
GNS.AB
BE 1005.100.934
Geel · Eq €9,387
ANABIA SEHAR
BE 0787.355.928
Sint-Gillis (bij-Brussel) · Eq €9,336
DIMAWAT
BE 0644.668.136
Villers-le-Bouillet · Eq €9,333
Of 10,519 companies in sector 47110 we hold annual accounts for 5,857. 3,384 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
Founded31-05-2002
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
47820Retail sale of motor vehicle parts and accessories
47260Retail trade
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
92000Gambling and betting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.