Skip to content
Checked.be
Complete company report
Generated 04-08-2026
Active BE 0785.804.225Private limited company

MAVO CONCEPT

Rue Gabion 10 ·4630 Soumagne, Belgium· 4 yrs active
Sector: Retail trade (47621)
Conclusion Checked

The computed 12-month bankruptcy probability of MAVO CONCEPT is 2.8% (moderate). The 2024 annual accounts show negative equity (€-7k) and a net result of €13k. Its solvency ranks better than 26% of 6692 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €-7k
Net result €13k
Better than sector 26%
Active 4 yrs
Snowflake analysis 5 axes · computed by Checked
Health16Profitability0Solvency33Growth78Stability94
44 / 100

Fragile profile, watch profitability in particular.

Health 16
Profitability 0
Solvency 33
Growth 78
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
2.8% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

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

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2024 · computed
16 / 100 Critical
050100

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

See plans →
Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 28-08-2025 with the NBB · fiscal year 2024 · micro
€-40k€-20k€0€20kOperating result 2023: €-11k€-11kNet result 2023: €-24k€-24kOperating result 2024: €23k€23kNet result 2024: €13k€13k20232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -2.7% 20.4%
better than 26% of 6692 sector peers
Net result €13k €4k
better than 67% of 6672 sector peers
Equity €-7k €16k
better than 20% of 6706 sector peers
Gross operating margin €39k €24k
better than 61% of 6651 sector peers
Staff costs €0 €33k
higher than 5% of 3030 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€38k
+319.0% +126% vs sector
Net profit
€13k
- +142% vs sector
Cash flow
€28k
- +197% vs sector
Total assets
€256k
-3.3% +106% vs sector
Equity
€-7k
+66.2% far below sector median
Working capital
€-45k
+26.0% far below sector median
Staff costs
€0
-100.0% -100% vs sector
Debt
€263k
-7.8% +276% vs sector
Debt ≤ 1y
€72k
-15.6% +3% vs sector
Debt > 1y
€191k
-4.5% +113% vs sector
Current ratio
0.38
+30.6% -73% vs sector
Quick ratio
0.05
+277.6% -91% vs sector
Solvency
-2.7%
+65.1% far below sector median
Debt / equity
-38.28
-173.0% far below sector median
ROE
-196.1%
- far below sector median
ROA
5.3%
- +223% vs sector
Interest coverage
3.89
+494.7% -38% vs sector
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA€38k
Net profit€13k
Cash flow€28k
Staff costs€0
Income taxes-
Dividends-
Total assets€256k
Equity€-7k
Debt€263k
of which ≤ 1y€72k
of which > 1y€191k
Working capital€-45k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.38
Quick ratio0.05
Working capital ratio-17.6%
Solvency-2.7%
Debt / equity-38.28
Long-term debt ratio-27.77
Interest coverage3.89
Gross margin-
Net margin-
ROA5.3%
ROE-196.1%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€256k
Fixed assets 21/28€229k
Tangible fixed assets 22/27€229k
Current assets 29/58€27k
Stocks & contracts in progress 3€23k
Amounts receivable within one year 40/41€901
Cash & bank 54/58€3k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€256k
Equity 10/15€-7k
Contributions / capital 10/11€4k
Accumulated profits (losses) 14€-11k
Amounts payable 17/49€263k
Amounts payable after one year 17€191k
Amounts payable within one year 42/48€72k
Trade debts payable within one year 44€9k
Income statement
Gross operating margin 9900€39k
Operating result 9901€23k
Financial income 75€0
Financial charges 65€10k
Result before taxes 9903€13k
Net result for the period 9904€13k
Result to be appropriated 9905€13k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Retail trade(47621)
Legal form Private limited company(610)
Incorporation06-05-2022
StatusActive
Postal code4630
Establishment units 1 location
LIBRAIRIE DE LA PLACE
Place Ferrer 13, 4630 SoumagneDetailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte < 100 m²)
since 20222.332.093.004
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

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.

Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62099C0189/00B000 Wallonia 984 m² - -
62099C0490/00H003 Wallonia 143 m² 1 · 73 m² 8.9 m · 2 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 3 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
28-08-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
30-08-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
28-02-2024
State Gazette act Capital & shares
Anna PONENTE
Belgisch Staatsblad, acts 1 acts
Capital history · 1
28-02-2024
Capital change
All acts · 1 updated 2 years ago
2024
28-02-2024 Transaction in capital or shares Capital & shares·Anna PONENTE
Notary: Anna PONENTE · Aubel
Technical details 
{
  "events": [
    {
      "kind": "share_transfer",
      "after_eur": null,
      "delta_eur": null,
      "before_eur": null,
      "subscribers": [
        {
          "kbo": null,
          "rrn": null,
          "kind": "person",
          "name": "KRUSE Caroline",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": 1,
          "contribution_amount_eur": null
        },
        {
          "kbo": null,
          "rrn": null,
          "kind": "person",
          "name": "VOLDERS Micha\u00EBl",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": 1,
          "contribution_amount_eur": null
        },
        {
          "kbo": null,
          "rrn": null,
          "kind": "person",
          "name": "MASSON Jennifer",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": 1,
          "contribution_amount_eur": null
        }
      ],
      "decrease_purpose": null,
      "contribution_type": null,
      "paid_up_delta_eur": null,
      "n_shares_destroyed": null,
      "not_yet_called_eur": null,
      "merger_new_shares_n": null,
      "merger_exchange_ratio": null,
      "distribution_amount_eur": null,
      "statutory_unavailable_equity_op": null
    },
    {
      "kind": "share_transfer",
      "after_eur": null,
      "delta_eur": null,
      "before_eur": null,
      "subscribers": [
        {
          "kbo": null,
          "rrn": null,
          "kind": "person",
          "name": "KRUSE Caroline",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": 1,
          "contribution_amount_eur": null
        },
        {
          "kbo": null,
          "rrn": null,
          "kind": "person",
          "name": "VOLDERS Micha\u00EBl",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": 1,
          "contribution_amount_eur": null
        },
        {
          "kbo": null,
          "rrn": null,
          "kind": "person",
          "name": "MASSON Jennifer",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": 1,
          "contribution_amount_eur": null
        }
      ],
      "decrease_purpose": null,
      "contribution_type": null,
      "paid_up_delta_eur": null,
      "n_shares_destroyed": null,
      "not_yet_called_eur": null,
      "merger_new_shares_n": null,
      "merger_exchange_ratio": null,
      "distribution_amount_eur": null,
      "statutory_unavailable_equity_op": null
    }
  ],
  "notary": {
    "name": "Anna PONENTE",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Aubel",
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": null,
    "filing_date": "2023-09-30",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decision": {
    "body": "algemene_vergadering",
    "act_date": "2024-02-21",
    "unanimous": null,
    "under_authorized_capital": false,
    "underlying_resolution_date": "2023-09-30"
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0785.804.225",
    "name_full": "MAVO CONCEPT",
    "legal_form": "Soci\u00E9t\u00E9 \u00E0 responsabilit\u00E9 limit\u00E9e",
    "is_foreign_registered": false
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Anna PONENTE",
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [
    "proc\u00E8s-verbal d\u0027assembl\u00E9e g\u00E9n\u00E9rale extraordinaire du 30 septembre 2023"
  ],
  "shareholders_after": [
    {
      "kbo": null,
      "pct": null,
      "kind": "person",
      "name": "VOLDERS Micha\u00EBl",
      "role": "aandeelhouder",
      "n_shares": 50,
      "share_class": null
    },
    {
      "kbo": null,
      "pct": null,
      "kind": "person",
      "name": "MASSON Jennifer",
      "role": "aandeelhouder",
      "n_shares": 50,
      "share_class": null
    },
    {
      "kbo": null,
      "pct": null,
      "kind": "person",
      "name": "KRUSE Caroline",
      "role": null,
      "n_shares": 0,
      "share_class": null
    }
  ],
  "share_classes_after": []
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
AI-generated from Checked data; indicative, not legal or investment advice.
Company registry (CBE) Crossroads Bank
Activities
Detailhandel in kranten en kantoorbehoeften in gespecialiseerde winkels47620Detailhandel in kranten en andere tijdschriften47621Detailhandel in dranken in gespecialiseerde winkels, algemeen assortiment47252Detailhandel in dranken, algemeen assortiment47252Detailhandel in tabaksproducten in gespecialiseerde winkels47260Detailhandel in tabaksproducten47260Detailhandel in spellen en speelgoed47640Detailhandel in spellen en speelgoed in gespecialiseerde winkels47650Verhuur en exploitatie van eigen of geleasd residentieel onroerend goed, exclusief sociale woningen68201Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen68201Loterijen en kansspelen92000Activiteiten van loterijen en kansspelen92000
Primary activity highlighted.
Names & trade names
Legal nameFR MAVO CONCEPT
Registered office
Rue Gabion 10
4630 Soumagne, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Similar companies Same NACE
IMMO-COOX BE 0437.658.753 · Soumagne
A à Z LIBRAIRIE BE 0442.069.679 · Esneux
DERIVE BE 0416.982.610 · Huy
LEJEUNE-CHARLIER BE 0424.174.466 · Trooz
LIBRAIRIE AU PETIT VATEL BE 0454.173.992 · Blégny
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative