MEMO TRANS
ActiveThe computed 12-month bankruptcy probability of MEMO TRANS is 2.1% (moderate). The 2025 annual accounts show equity of €86k and a net result of €-8k. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 78% of 4488 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability25▼-42
Solvency95▼-5
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.93 against 7.23 in 2024; short-term debt: 18.6% and cash: 17.4% of total assets), and 30.5% 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 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
69.5%
Return on assets
-6.6%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-06-2026, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
59 d early
2024
44 d early
2023
40 d early
2022
46 d early
2021
87 d early
2020
58 d early
2019
49 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€86k▼ 8.7%
2024 · €94k
2018: €28k
2019: €32k
2020: €58k
2021: €67k
2022: €81k
2023: €81k
2024: €94k
2018 → 2025
Total assets
€123k▲ 14.7%
2024 · €107k
2018: €103k
2019: €99k
2020: €120k
2021: €133k
2022: €100k
2023: €92k
2024: €107k
2018 → 2025
Net result
€-8k
2024 · €13k
2018: €8k
2019: €4k
2020: €26k
2021: €34k
2022: €15k
2023: €-82
2024: €13k
2018 → 2025
Working capital
€67k▼ 20.7%
2024 · €84k
2018: €6k
2019: €13k
2020: €44k
2021: €57k
2022: €72k
2023: €72k
2024: €84k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€67k-€81k▲ 21.9%€81k▼ 0.1%€94k▲ 15.4%€86k▼ 8.7%
Operating result€47k-€19k▼ 60.7%€1k▼ 93.3%€18k▲ 1,320%€-6k
Net result€34k-€15k▼ 57.2%€-82€13k€-8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6k after €18k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €123k
Fixed assets
€33k▲ 259%
Current assets
€90k▼ 8.4%
Equity and liabilities €123k
Equity
€86k▼ 8.7%
Debt
€37k▲ 176%
The debt ratio rises from 12.6% to 30.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€2k
Cash flow
€-147
Solvency
69.5%▼
2024 · 87.4%
Current ratio
3.93▼
2024 · 7.23
Quick ratio
3.93▼
2024 · 7.23
Debt / equity
0.44▲
2024 · 0.14
ROE
-9.5%▼
2024 · 13.4%
ROA
-6.6%▼
2024 · 11.7%
Interest coverage
1.74
Debt
€37k▲
2024 · €14k
Debt ≤ 1 year
€23k▲
2024 · €14k
Debt > 1 year
€15k
Income taxes
€3k▼
2024 · €7k
Staff costs
€16k▼
2024 · €35k
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€107k€123k▲
Fixed assets21/28€9k€33k▲
Tangible fixed assets22/27-€24k
Furniture and vehicles24-€24k
Financial fixed assets28€9k€9k=
Current assets29/58€98k€90k▼
Amounts receivable within one year40/41€74k€68k▼
Trade receivables40€37k€19k▼
Other amounts receivable41€37k€49k▲
Cash at bank and in hand54/58€23k€21k▼
Deferred charges and accrued income490/1€2k€911▼
Equity and liabilities
Total equity and liabilities10/49€107k€123k▲
Equity10/15€94k€86k▼
Contributions10/11€19k€19k=
Reserves13€2k€32k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133-€30k
Profit (loss) carried forward14€73k€35k▼
Amounts payable17/49€14k€37k▲
Amounts payable after more than one year17-€15k
Financial debts170/4-€15k
Amounts payable within one year42/48€14k€23k▲
Current portion of amounts payable after more than one year42-€10k
Trade debts44€3k-
Suppliers440/4€3k-
Taxes, remuneration and social security45€11k€13k▲
Taxes450/3€9k€13k▲
Remuneration and social security454/9€2k-
Income statement
Code20242025
Remuneration, social security and pensions62€35k€16k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€8k
Other operating charges640/8€11k€5k▼
Gross operating margin9900€64k€23k▼
Operating profit (loss)9901€18k€-6k▼
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€485€1k▲
Recurring financial charges65€485€1k▲
Profit (loss) for the period before taxes9903€19k€-5k▼
Income taxes67/77€7k€3k▼
Profit (loss) for the period9904€13k€-8k▼
Profit (loss) for the period to be appropriated9905€13k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€73k€65k▼
Profit (loss) brought forward from the previous period14P€61k€73k▲
Profit to be distributed694/7-€30k
Return on contributions (dividend)694-€30k
The notes to these accounts (9 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
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-8k ▼165%
Net result drops to €-8k, the lowest in the series.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 4.81
Current ratio from 1.87 to 4.81; short-term debt falls from €66k to €19k.
05-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €34k ▲32.4%
Operating result €47k, net result €34k, both a record.
03-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
12-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Anderlecht · 1 establishment unit since 2008
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.
Hoedstraat 341070 AnderlechtGround area
438 m²
Building footprint
354 m²
Volume, LiDAR
5,229 m³
Parcel 21305B0240/00T000, Brussels · tallest building 17.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
MEMO TRANS
since 20082.173.452.868
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21305B0240/00T000 | Brussels | 438 m² | 1 · 354 m² | 16.9 m · 5 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.
Similar companies · same sector, comparable size
J. Sneller Trans
BE 0881.021.108
Tessenderlo-Ham · Eq €86k
C.V. - TRANS
BE 0458.486.534
Wevelgem · Eq €86k
JEAN-LOUIS PREVOST
BE 0884.136.588
Tournai · Eq €86k
I.C.S.
BE 0471.378.527
Antwerpen · Eq €86k
ESES TRANS
BE 0561.941.388
Antwerpen · Eq €86k
Of 12,606 companies in sector 49410 we hold annual accounts for 8,195. 6,303 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded25-09-2008
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
53200Other postal and courier activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.