MBAT
ActiveThe computed 12-month bankruptcy probability of MBAT is 3.5% (moderate). The 2025 annual accounts show equity of €35k and a net result of €530. Equity is growing by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 76% of 13009 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
86
/ 100
Excellent▼ -14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability8▼-92
Solvency99▲+5
Growth78=
Stability100
Bankruptcy probability, 12 months
3.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.24 against 1.86 in 2024), and 38.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 56
Relative position
BE, all sectors
reference
Sector 56
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
61.3%
Return on assets
0.9%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 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 · 5 filingsDeviation from the deadline
2025
6 d late
2024
6 d early
2023
1 d late
2022
30 d late
2020
205 d late
← before the deadline
after the deadline →
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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€39k
EBIT margin
47.8%
Net result
€530▼ 96.5%
2024 · €15k
2022: €-6k
2023: €-12k
2024: €15k
2022 → 2025
Working capital
€27k▲ 10.3%
2024 · €25k
2022: €15k
2023: €6k
2024: €25k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€39k
Equity€31k-€19k▼ 38.4%€35k▲ 78.0%€35k▲ 1.5%
Operating result€-6k-€-12k▼ 102%€19k€4k▼ 76.6%
Net result€-6k-€-12k▼ 104%€15k€530▼ 96.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 77% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €57k
Fixed assets
€8k▼ 21.1%
Current assets
€50k▼ 7.6%
Equity and liabilities €57k
Equity
€35k▲ 1.5%
Debt
€22k▼ 23.0%
The debt ratio falls from 45.5% to 38.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€6k▼
2024 · €23k
Cash flow
€2k▼
2024 · €20k
Solvency
61.3%▲
2024 · 54.5%
Current ratio
2.24▲
2024 · 1.86
Quick ratio
2.12▲
2024 · 1.78
Debt / equity
0.63▼
2024 · 0.83
ROE
1.5%▼
2024 · 43.8%
ROA
0.9%▼
2024 · 23.9%
Interest coverage
4.06▼
2024 · 27.66
Debt
€22k▼
2024 · €29k
Debt ≤ 1 year
€22k▼
2024 · €29k
Income taxes
€2k▼
2024 · €3k
Staff costs
€43k▲
2024 · €39k
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€63k€57k▼
Formation expenses20€0-
Fixed assets21/28€10k€8k▼
Tangible fixed assets22/27€9k€8k▼
Plant, machinery and equipment23€854€610▼
Furniture and vehicles24€985€893▼
Other tangible fixed assets26€8k€6k▼
Financial fixed assets28€175-
Current assets29/58€54k€50k▼
Stocks and contracts in progress3€3k€3k=
Stocks30/36€3k€3k=
Amounts receivable within one year40/41-€52
Other amounts receivable41-€52
Cash at bank and in hand54/58€51k€47k▼
Equity and liabilities
Total equity and liabilities10/49€63k€57k▼
Equity10/15€35k€35k▲
Contributions10/11€3k€3k=
Reserves13€901€901=
Non-distributable reserves130/1€901€901=
Reserves not available under the articles1311€901€901=
Profit (loss) carried forward14€31k€31k▲
Amounts payable17/49€29k€22k▼
Amounts payable within one year42/48€29k€22k▼
Trade debts44€11k€2k▼
Suppliers440/4€11k€2k▼
Taxes, remuneration and social security45€8k€12k▲
Taxes450/3€5k€8k▲
Remuneration and social security454/9€3k€5k▲
Other amounts payable47/48€10k€8k▼
Income statement
Code20242025
Turnover70€39k-
Remuneration, social security and pensions62€39k€43k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€2k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€65k€51k▼
Operating profit (loss)9901€19k€4k▼
Financial income75/76B€25-
Recurring financial income75€25-
Financial charges65/66B€844€2k▲
Recurring financial charges65€844€2k▲
Profit (loss) for the period before taxes9903€18k€3k▼
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€15k€530▼
Profit (loss) for the period to be appropriated9905€15k€530▼
Appropriation of the result
Profit (loss) to be appropriated9906€31k€31k▲
Profit (loss) brought forward from the previous period14P€15k€31k▲
The notes to these accounts (7 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
06-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 6 days late
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €15k
Net result €15k after 2 loss-making years.
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
2023
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
21-02
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 205 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Mons · 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.
Rue des Clercs 87000 MonsGround area
69 m²
Building footprint
50 m²
Volume, LiDAR
624 m³
Parcel 53403E0249/00_000, Wallonia · tallest building 14.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Mon Bar A Tapas
since 20192.293.569.453
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53403E0249/00_000 | Wallonia | 69 m² | 1 · 49 m² | 14.7 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 siteMons2.293.569.453
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Of 20,234 companies in sector 56111 we hold annual accounts for 11,310. 9,487 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-09-2019
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:monbaratapas@hotmail.com
Phone:+3249653052