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MD Sint-Truiden

Active
Private limited companyfounded 2024active for 2 yearsKennedylaan 4, 3800 Sint-Truiden, BelgiumKBO/BCE: BE 1010.808.195
Summary

The computed 12-month bankruptcy probability of MD Sint-Truiden is 2.5% (moderate). The 2025 annual accounts show equity of €948,620 and a net result of -€151,380. Its solvency ranks better than 52% of 12,777 sector peers (NACE 47, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 26-06-2024 Normal situation
Activity
Non-specialised retail sale with food, beverages or tobacco predominating NACE 47110
Establishment unit
2.362.349.678 3800 Sint-Truiden, since 26-06-2024
Financial year end
31 December
Peppol
Reachable since 31-03-2026

Board and ownership

Board
  • VLH HoldingDirector · permanent representative VAN LEEUWEN Hans
Shareholders

Financial position

52 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
2.5%
Annual accounts 2025
Gross margin
€3.0m
Turnover
≈ €20.0m
estimated
Loss
€151,380
Equity
€948,620
Total assets
€2.5m
Employees on 31-12-2025
39
  • 2025 accounts filed 31 days after the deadline
Score breakdownraises riskFounded in 2024Size: 32.9 FTE, total assets €2.5mLast filed accounts filed 31 days late; 1 of the last 3 accounts lateLoss of €151,380 (financial year 2025)Show the evidence

Checked score

Score 2025
52 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 41% of small companies in retail trade (NACE 47)
Financial strength
Average
Solvency 64
equity 38.7% of total assets
Liquidity 23
short-term debt 58.6% · cash 3.0%
Profitability 61
return on assets -6.2%
Bankruptcy probability within 12 months
2.5% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (3,697 companies, NACE 47, small)
Last 24 months 07-2025: 1.8%lowest value 08-2025: 1.8%● unchanged vs 07-2025lowest value 09-2025: 1.9%▲ +0.1 percentage points vs 08-2025 10-2025: 2.2%▲ +0.3 percentage points vs 09-2025 11-2025: 2.3%▲ +0.1 percentage points vs 10-2025 12-2025: 2.6%▲ +0.3 percentage points vs 11-2025 01-2026: 2.6%● unchanged vs 12-2025 02-2026: 2.9%▲ +0.3 percentage points vs 01-2026 03-2026: 2.9%● unchanged vs 02-2026 04-2026: 2.8%▼ -0.1 percentage points vs 03-2026 05-2026: 3.0%▲ +0.2 percentage points vs 04-2026 06-2026: 3.2%▲ +0.2 percentage points vs 05-2026 07-2026: 3.2%● unchanged vs 06-2026highest value 08-2026: 3.2%● unchanged vs 07-2026highest value 09-2026: 2.5%▼ -0.7 percentage points vs 08-2026 10-2026: 2.5%● unchanged vs 09-2026 11-2026: 2.5%● unchanged vs 10-2026
Credit of up to €45,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity is tight, with a current ratio of 1.11, below the usual 1.5. Short-term debt is 58.6% and cash 3% of total assets. 61.3% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, small). It does better than 60% of them on solvency, 22% on liquidity and 43% on profitability.

The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
raises risk
raises risk · Founded in 2024
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Size: 32.9 FTE, total assets €2.5m
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Last filed accounts filed 31 days late; 1 of the last 3 accounts late
NBB · filings
raises risk · Loss of €151,380 (financial year 2025)
NBB · annual accounts
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filing
Deviation from the deadline
2025
31 days late
← before the deadline after the deadline →
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2024.
KBO publications

Key points

  • Caution: Lower net result than 95% of companies in retail tradesector median €27,601 · 12,766 companies -€151,380 View

Recent changes

  1. · Gazette deed IncorporationStarting capital €500,000 · Appointment: VLH Holding (director) · Permanent representative: VAN LEEUWEN Hans
All 2 events

Comparable companies

These companies have the same main activity as MD Sint-Truiden: non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110). They are comparable in size and age: total assets between €1.8m and €2.7m, founded between 2023 and 2024.

CompanyTotal assetsGross margin
MD Sint-Truiden Sint-Truiden€2.5m€3.0m
JR Heusden Heusden-Zolder€2.7m€3.0m
GOVA Retail Brasschaat€2.0m€3.2m
DELISA RETAIL Anderlecht€2.4m€2.8m
D & Longdoz Liège€1.9m€2.9m
MIVACO Ninove€1.8m€3.3m
D & St-Lambert Liège€2.7m€4.1m
Full comparison

Key facts about MD Sint-Truiden

What is the company number of MD Sint-Truiden?
The company number of MD Sint-Truiden is 1010.808.195. The VAT number is the same number with BE in front: BE 1010.808.195.
Where is MD Sint-Truiden based?
The registered office is at Kennedylaan 4, 3800 Sint-Truiden.Company details
What does MD Sint-Truiden do?
According to the KBO register, the main activity is non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110).
What is the legal form of MD Sint-Truiden?
The legal form of MD Sint-Truiden is Private limited company (BV).
When was MD Sint-Truiden founded?
MD Sint-Truiden was founded on 26-06-2024.
Is MD Sint-Truiden still active?
Yes, MD Sint-Truiden is an active enterprise in the KBO register.
How many employees does MD Sint-Truiden have?
MD Sint-Truiden had an average of 32.9 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of MD Sint-Truiden?
The turnover in financial year 2025 is ≈ €20.0m. This figure is estimated from the gross margin of €3.0m and 30 comparable companies (NACE 471). It probably lies between €12.0m and €24.0m.
Is MD Sint-Truiden profitable?
In financial year 2025, MD Sint-Truiden made a loss of €151,380.
Where can I find the annual accounts of MD Sint-Truiden?
MD Sint-Truiden filed 1 annual account with the National Bank of Belgium, for financial year 2025.

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