Memo Transport

Active

Private limited companyfounded 20197 yrs activeToekomststraat 76, 1830 Machelen (Brab.), BelgiumKBO/BCE: BE 0734.401.648

The computed 12-month bankruptcy probability of Memo Transport is 3.1% (moderate). The 2025 annual accounts show equity of €5k and a net result of €3k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 19% of 4575 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

40 / 100

Weak

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability74▼-7

Solvency32▲+6

Growth32=

Track record100

Bankruptcy probability, 12 months

3.1% Moderate

0%0.5%1.5%4%10%≥ 25%

No publishable credit limit; credit only on tighter terms

Liquidity short (current ratio 0.61 against 0.61 in 2024; short-term debt: 93.4% and cash: 0.8% of total assets), and 93.4% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

+raises risk○neutral

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 →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 2025

Solvency, return and age of the figures

Solvency

6.6%

Return on assets

4.5%

Age of the figures

18 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 4575 sector peers (2025).

NBB · sector comparison

Position among 4575 sector peers

Solvency

better than 19%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 28-10-2025, 3 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

3 d early

2024

7 d early

2023

4 d early

2022

3 d early

2021

6 d early

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.

Companies Code · seven months

Position in the running window

31-03-2026 close21-09-2026 today31-10-2026 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€5k▲ 214%

2024 · €1k

2021: €49k 2022: €57k 2023: €-8k 2024: €1k

2021 → 2025

Total assets

€70k▼ 33.1%

2024 · €105k

2021: €77k 2022: €172k 2023: €126k 2024: €105k

2021 → 2025

Net result

€3k▼ 68.5%

2024 · €10k

2021: €34k 2022: €8k 2023: €-65k 2024: €10k

2021 → 2025

Working capital

€-26k▲ 14.9%

2024 · €-30k

2021: €34k 2022: €17k 2023: €-27k 2024: €-30k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€49k-€57k▲ 16.7%€-8k€1k€5k▲ 214%

Operating result€40k-€14k▼ 65.9%€-59k€14k€5k▼ 62.2%

Net result€34k-€8k▼ 75.9%€-65k€10k€3k▼ 68.5%

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 62% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €70k

43.5%

56.5%

Fixed assets €30k▼ 47.6%

Current assets €40k▼ 15.0%

Equity and liabilities €70k

93.4%

Equity €5k▲ 214%

Debt €65k▼ 36.6%

The debt ratio falls from 98.6% to 93.4%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€33k▼

2024 · €42k

Cash flow

€31k▼

2024 · €38k

Solvency

6.6%▲

2024 · 1.4%

Current ratio

0.61▼

2024 · 0.61

Quick ratio

0.61▼

2024 · 0.61

Debt / equity

14.24▼

2024 · 70.58

ROE

68.2%▼

2024 · 680.0%

ROA

4.5%▼

2024 · 9.5%

Interest coverage

15.84▲

2024 · 10.10

Debt

€65k▼

2024 · €103k

Debt ≤ 1 year

€65k▼

2024 · €77k

Income taxes

€218▲

2024 · €206

Staff costs

€6k▼

2024 · €9k

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€105k€70k▼

Formation expenses20€0€0=

Fixed assets21/28€58k€30k▼

Tangible fixed assets22/27€58k€30k▼

Furniture and vehicles24€58k€30k▼

Current assets29/58€47k€40k▼

Amounts receivable within one year40/41€37k€39k▲

Trade receivables40€37k€39k▲

Other amounts receivable41€0€0=

Cash at bank and in hand54/58€9k€530▼

Equity and liabilities

Total equity and liabilities10/49€105k€70k▼

Equity10/15€1k€5k▲

Contributions10/11€15k€15k=

Profit (loss) carried forward14€-14k€-10k▲

Amounts payable17/49€103k€65k▼

Amounts payable after more than one year17€26k-

Financial debts170/4€26k-

Amounts payable within one year42/48€77k€65k▼

Current portion of amounts payable after more than one year42€41k€26k▼

Trade debts44€7k€3k▼

Suppliers440/4€7k€3k▼

Taxes, remuneration and social security45€14k€4k▼

Taxes450/3€183-

Remuneration and social security454/9€14k€4k▼

Other amounts payable47/48€15k€32k▲

Income statement Code20242025

Remuneration, social security and pensions62€9k€6k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€28k=

Other operating charges640/8€3k€650▼

Gross operating margin9900€54k€40k▼

Operating profit (loss)9901€14k€5k▼

Financial income75/76B-€37

Recurring financial income75-€37

Financial charges65/66B€4k€2k▼

Recurring financial charges65€4k€2k▼

Profit (loss) for the period before taxes9903€10k€3k▼

Income taxes67/77€206€218▲

Profit (loss) for the period9904€10k€3k▼

Profit (loss) for the period to be appropriated9905€10k€3k▼

Appropriation of the result

Profit (loss) to be appropriated9906€-14k€-10k▲

Profit (loss) brought forward from the previous period14P€-23k€-14k▲

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 2Filings 5

Next filing, fiscal year 2026, expected by 31-10-2026

2025

28-10

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2024

24-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

31-03

Financial Back to profitnet €10k

Net result €10k after one loss-making year.

2023

27-10

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

31-03

Financial Weakest financial yearnet €-65k ▼904%

Net result drops to €-65k, the lowest in the series; recovery starts the following year.

2022

28-10

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2021

25-10

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

4 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, Machelen (Brab.) · 1 establishment unit since 2019

establishment The establishment unit on the map

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.

Toekomststraat 761830 Machelen (Brab.)

Ground area

975 m²

Building footprint

169 m²

Volume, LiDAR

1,071 m³

Parcel 23047C0159/00F000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Memo Transport

Toekomststraat 76, 1830 Machelen (Brab.)General electrical installation work

since 20192.293.750.387

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23047C0159/00F000	Flanders	975 m²	1 · 169 m²	9.7 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.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Machelen (Vl.Br.)2.293.750.387

1 permission

Vervoer levensmiddelen onder gecontroleerde temperatuur en/of atmosfeer · since 01-01-2020

Similar companies · same sector, comparable size

Sint-Niklaas · Eq €5k

UBD GROUP

BE 1006.660.060

Jette · Eq €5k

Of 12,606 companies in sector 49410 we hold annual accounts for 8,199. 2,595 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded12-09-2019

Fiscal year end31-03

Activities, NACEBEL

49410Freight transport by road

42220Construction of utility projects for electricity and telecommunications

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.