MAYA & MI
ActiveThe computed 12-month bankruptcy probability of MAYA & MI is 2.2% (moderate). The 2025 annual accounts show equity of €434k and a net result of €54k. Equity is growing by ~37.3% per year across the filed fiscal years. Its solvency ranks better than 28% of 1845 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-13
Solvency48▼-6
Growth85=
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity short (current ratio 0.55 against 0.77 in 2024; short-term debt: 34.9% and cash: 0.5% of total assets), and 77.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
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 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
22.9%
Return on assets
2.8%
Age of the figures
12 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 02-05-2026, 2 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 · 6 filingsDeviation from the deadline
2025
2 d late
2024
21 d early
2023
152 d late
2022
72 d late
2021
136 d late
2020
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€2.95M▲ 3.4%
2024 · €2.85M
2023: €1.83M
2024: €2.85M
2023 → 2025
EBIT margin
4.6%▼ 2.3pp
2024 · 7.0%
2023: 12.2%
2024: 7.0%
2023 → 2025
Net result
€54k▼ 51.6%
2024 · €111k
2020: €28k
2021: €15k
2022: €60k
2023: €166k
2024: €111k
2020 → 2025
Working capital
€-299k▼ 330%
2024 · €-69k
2020: €6k
2021: €-11k
2022: €-69k
2023: €52k
2024: €-69k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.83M€2.85M▲ 55.4%€2.95M▲ 3.4%
Equity€73k-€132k▲ 82.1%€298k▲ 126%€380k▲ 27.3%€434k▲ 14.2%
Operating result€24k-€87k▲ 264%€223k▲ 158%€198k▼ 11.2%€136k▼ 31.5%
Net result€15k-€60k▲ 313%€166k▲ 176%€111k▼ 32.9%€54k▼ 51.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 32% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.90M
Fixed assets
€1.53M▲ 42.8%
Current assets
€363k▲ 59.4%
Equity and liabilities €1.90M
Equity
€434k▲ 14.2%
Provisions
€0▼ 100%
Debt
€1.46M▲ 58.7%
The debt ratio rises from 70.8% to 77.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€380k▼
2024 · €490k
Cash flow
€298k▼
2024 · €403k
Solvency
22.9%▼
2024 · 29.2%
Current ratio
0.55▼
2024 · 0.77
Quick ratio
0.55▼
2024 · 0.77
Debt / equity
3.37▲
2024 · 2.43
ROE
12.4%▼
2024 · 29.3%
ROA
2.8%▼
2024 · 8.6%
Interest coverage
5.68▼
2024 · 13.00
Debt
€1.46M▲
2024 · €921k
Debt ≤ 1 year
€662k▲
2024 · €297k
Debt > 1 year
€800k▲
2024 · €624k
Income taxes
€39k▼
2024 · €49k
Staff costs
€877k▲
2024 · €747k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.30M€1.90M▲
Fixed assets21/28€1.07M€1.53M▲
Tangible fixed assets22/27€1.00M€1.46M▲
Plant, machinery and equipment23€6k€5k▼
Furniture and vehicles24€267k€229k▼
Leasing and similar rights25€287k€801k▲
Other tangible fixed assets26€440k€425k▼
Financial fixed assets28€73k€73k=
Current assets29/58€228k€363k▲
Amounts receivable within one year40/41€218k€353k▲
Trade receivables40€97k€210k▲
Other amounts receivable41€122k€143k▲
Cash at bank and in hand54/58€3k€10k▲
Deferred charges and accrued income490/1€6k-
Equity and liabilities
Total equity and liabilities10/49€1.30M€1.90M▲
Equity10/15€380k€434k▲
Reserves13€380k€434k▲
Non-distributable reserves130/1€3k€114k▲
Reserves not available under the articles1311€3k€114k▲
Distributable reserves133€377k€319k▼
Provisions and deferred taxes16€500-
Provisions for liabilities and charges160/5€500-
Pensions and similar obligations160€500-
Amounts payable17/49€921k€1.46M▲
Amounts payable after more than one year17€624k€800k▲
Financial debts170/4€616k€792k▲
Other amounts payable178/9€8k€8k=
Amounts payable within one year42/48€297k€662k▲
Current portion of amounts payable after more than one year42-€248k
Financial debts43€48k€103k▲
Credit institutions430/8€48k€103k▲
Trade debts44€81k€124k▲
Suppliers440/4€81k€124k▲
Taxes, remuneration and social security45€126k€146k▲
Taxes450/3€74k€85k▲
Remuneration and social security454/9€52k€61k▲
Other amounts payable47/48€42k€41k▼
Income statement
Code20242025
Turnover70€2.85M€2.95M▲
Non-recurring operating income76A€93k€112k▲
Goods, raw materials, services and sundry goods60/61€1.64M€1.75M▲
Remuneration, social security and pensions62€747k€877k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€292k€244k▼
Other operating charges640/8€73k€47k▼
Non-recurring operating charges66A-€10k
Gross operating margin9900€1.31M€1.31M▲
Operating profit (loss)9901€198k€136k▼
Financial income75/76B€0€24k▲
Recurring financial income75€0€24k▲
Financial charges65/66B€38k€67k▲
Recurring financial charges65€38k€67k▲
Profit (loss) for the period before taxes9903€161k€93k▼
Income taxes67/77€49k€39k▼
Profit (loss) for the period9904€111k€54k▼
Profit (loss) for the period to be appropriated9905€111k€54k▼
Appropriation of the result
Profit (loss) to be appropriated9906€111k€54k▼
Transfer to equity691/2€111k€54k▼
To other reserves6921€111k€54k▼
Social balance
Average headcount (FTE)908712.0877,244.5▲
The notes to these accounts (11 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
02-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 2 days late
2025
09-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 152 days late
2023
30-09
Financial
Highest result since 2020net €166k ▲176%
Operating result €223k, net result €166k, both a record.
30-09
Financial
Equity above €200kEq €298k ▲126%
4 profitable years in a row build equity to €298k.
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 72 days late
2022
30-09
Financial
Equity above €100kEq €132k ▲82.1%
3 profitable years in a row build equity to €132k.
13-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 136 days late
2021
30-09
Financial
Weakest financial yearnet €15k ▼48.1%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Merelbeke-Melle · 1 establishment unit since 2019
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.
Brusselsesteenweg 4739090 Merelbeke-MelleGround area
1,321 m²
Building footprint
183 m²
Volume, LiDAR
1,190 m³
Parcel 44040D0126/00X002, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MAYA & MI
since 20192.286.341.369
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44040D0126/00X002 | Flanders | 1,321 m² | 1 · 183 m² | 9.4 m · 2 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 2 entries · 16,421 EUR awarded · 16,421 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,421 EUR | 1,421 EUR |
| 2023 | 1 | 15,000 EUR | 15,000 EUR |
Schemes
Subsidies ecologisch en veilig transport (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,606 companies in sector 49410 we hold annual accounts for 8,199. 5,418 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-03-2019
Fiscal year end30-09
Activities, NACEBEL
49410Freight transport by road
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.