Mamiluss · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Mamiluss is 0.8% (low). The 2024 annual accounts show equity of €2.60M and a net result of €204k. Equity is growing by ~4.9% per year across the filed fiscal years. The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Signals

1 signal · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2023 and 2024).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 26 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-07-2025, 15 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	16-07-2025	15 d early	2025-00277380
31-12-2023	31-07-2024	27-06-2024	34 d early	2024-00182104
31-12-2022	31-07-2023	05-02-2024	189 d late	2024-00025110
31-12-2021	31-07-2022	06-12-2022	128 d late	2022-20532567
31-12-2020	31-07-2021	03-12-2021	125 d late	2021-79300109
31-12-2019	31-07-2020	29-10-2020	90 d late	2020-66400137
31-12-2018	31-07-2019	30-08-2019	30 d late	2019-62300354
31-12-2017	31-07-2018	30-08-2018	30 d late	2018-56300389
31-12-2016	31-07-2017	27-08-2017	27 d late	2017-49600462
31-12-2015	31-07-2016	30-08-2016	30 d late	2016-52400069

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Long-established

Founded in 2005, 21 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.8% Low

0%0,5%1,5%4%10%≥25%

No NACE activity registered +Long track record −Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€204k-38.5%

Working capital€1.16M-9.3%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 16-07-2025 with the NBB · fiscal year 2024 · verkort

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~4.9%/year over 7 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

EBITDA

€345k

-36.0% 18-24

Net profit

€204k

-38.5% 18-24

Cash flow

€260k

-33.8% 18-24

Total assets

€3.80M

+4.6% 18-24

Equity

€2.60M

+8.5% 18-24

Working capital

€1.16M

-9.3% 18-24

Income taxes

€90k

-41.0% 18-24

Debt

€1.20M

-2.8% 18-24

Show 9 other metrics

Debt ≤ 1y

€494k

-50.1% 18-24

Debt > 1y

€664k

+243.2% 18-24

Current ratio

3.35

+46.0% 18-24

Quick ratio

3.35

+46.0% 18-24

Solvency

68.4%

+3.7% 18-24

Debt / equity

0.46

-10.5% 18-24

ROE

7.8%

-43.3% 18-24

ROA

5.4%

-41.2% 18-24

Interest coverage

44.40

-72.0% 18-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	verkort
Revenue	-
EBITDA	€345k
Net profit	€204k
Cash flow	€260k
Staff costs	-
Income taxes	€90k
Dividends	-
Total assets	€3.80M
Equity	€2.60M
Debt	€1.20M
of which ≤ 1y	€494k
of which > 1y	€664k
Working capital	€1.16M
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	3.35
Quick ratio	3.35
Working capital ratio	30.6%
Solvency	68.4%
Debt / equity	0.46
Long-term debt ratio	0.26
Interest coverage	44.40
Gross margin	-
Net margin	-
ROA	5.4%
ROE	7.8%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €2.14M · 56.4% Current assets €1.65M · 43.6%

Equity & liabilities

Equity €2.60M · 68.4% Debt €1.20M · 31.6%

Full annual accounts (24 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€3.80M
Fixed assets	21/28	€2.14M
Tangible fixed assets	22/27	€2.14M
Financial fixed assets	28	€3k
Current assets	29/58	€1.65M
Amounts receivable within one year	40/41	€221k
Investments	50/53	€252k
Cash & bank	54/58	€1.15M
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€3.80M
Equity	10/15	€2.60M
Contributions / capital	10/11	€19k
Reserves	13	€2.58M
Amounts payable	17/49	€1.20M
Amounts payable after one year	17	€664k
Amounts payable within one year	42/48	€494k
Trade debts payable within one year	44	€81k
Income statement
Gross operating margin	9900	€351k
Operating result	9901	€289k
Financial income	75	€13k
Financial charges	65	€8k
Result before taxes	9903	€294k
Income taxes	67/77	€90k
Net result for the period	9904	€204k
Result to be appropriated	9905	€204k

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.

Health barometer

FY 2024 · computed

86 / 100 Excellent

050100

Computed from 5 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 2024. Indicative, not credit advice.

Directors

Directors & mandates

2 directors

6 of this company's 6 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.

Current directors & mandates

HENDRICKX Liesbet
Director
State Gazette act 25303029 (13-01-2025)

Current
13-01-2025 → present
SCHEPERS Sven Vitalis Alfons
Director
State Gazette act 25303029 (13-01-2025)

Current
13-01-2025 → present

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.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary	-
Legal form	Private limited company(610)
Incorporation	18-03-2005
Status	Active
Postal code	3550

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

3 companies at this address See who is registered here

Establishment units

1 location

Pastoor Paquaylaan 122, 3550 Heusden-Zolder

Handel in eigen onroerend goed

since 20052.354.068.749

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area285 m²

Buildings1

Building footprint172 m²

Volume (LiDAR)1,632 m³

Tallest building12.0 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

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.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
71025A0073/00X056	Flanders	285 m²	1 · 172 m²	12.0 m · 3 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

2 acts

All acts · 2 updated 1 year ago

2025

13-01-2025 2 directors appointed Director changes·Marij Hendrickx

SCHEPERS Sven Vitalis Alfons, Bestuurder
HENDRICKX Liesbet, Bestuurder

Notary: Marij Hendrickx · Heusden-Zolder

Original publication ↗

2024

03-01-2024 Publication in the Belgian Official Gazette, Miscellaneous Miscellaneous·Marij Hendrickx

Summary: otherNotary: Marij Hendrickx · Heusden-Zolder

Original publication ↗

Analysis

Financial profile

5 of 5 axes measured

81 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 86

Profitability 39

Solvency 100

Growth 78

Stability 100

Credit advice

verdict per customer and amount

Company registry

Company registry (CBE)

Crossroads Bank

Names & trade names

Legal nameNL

Mamiluss

Registered office

Pastoor Paquaylaan 122

3550 Heusden-Zolder, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.