Liquidity
2.44 was 3.80 in 2024
Short-term debts rose from €8,452 to €13,029.
MENZ TRADING
Lifetime
3 annual accounts with figures on one time axispeak €20,763 (2024)
-€4,208▼ €24,972
lowest -€4,942 (2025)
-€4,942▼ €18,508
peak €23,647 (2024)
€18,705▼ 20.9%
€13,029▲ 54.1%
Board1 name since 2022
1 directorZALLAM Mohamad
Documentsfilings and deeds
05-07-202626 days before the deadline
2025micro format
Gross margin from €20,763 to -€4,208Loss of €4,942Equity from €23,647 to €18,705Debts from €8,452 to €13,029Cash from €637 to €250
Key points
from the 2025 annual accountsFilings
3 annual accounts 1 late
The 2023 accounts came 66 days late. The other two were filed on time.
Starting capital
€10,000 100 shares
Turnover not published (micro format)
Checked score
52
Fair
Financially stronger than 32% of micro companies in retail trade (NACE 47)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.3% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,271 companies (NACE 47, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 3.1%
01-2025: 3.0%▼ -0.1 percentage points vs 12-2024
02-2025: 3.0%● unchanged vs 01-2025
03-2025: 3.0%● unchanged vs 02-2025
04-2025: 3.0%● unchanged vs 03-2025
05-2025: 3.0%● unchanged vs 04-2025
06-2025: 3.0%● unchanged vs 05-2025
07-2025: 3.1%▲ +0.1 percentage points vs 06-2025highest value
08-2025: 2.4%▼ -0.7 percentage points vs 07-2025
09-2025: 2.4%● unchanged vs 08-2025
10-2025: 2.4%● unchanged vs 09-2025
11-2025: 2.4%● unchanged vs 10-2025
12-2025: 2.4%● unchanged vs 11-2025
01-2026: 2.4%● unchanged vs 12-2025
02-2026: 2.4%● unchanged vs 01-2026
03-2026: 2.4%● unchanged vs 02-2026
04-2026: 2.1%▼ -0.3 percentage points vs 03-2026lowest value
05-2026: 2.2%▲ +0.1 percentage points vs 04-2026
06-2026: 2.2%● unchanged vs 05-2026
07-2026: 2.2%● unchanged vs 06-2026
08-2026: 2.3%▲ +0.1 percentage points vs 07-2026
09-2026: 2.3%● unchanged vs 08-2026
10-2026: 2.3%● unchanged vs 09-2026
11-2026: 2.3%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
1 of the last 3 accounts late
Founded in 2022
Liquidity: current ratio 2.44, cash €250, halved
Sector: Retail trade (NACE 47)
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, micro). It does better than 72% of them on solvency, 29% on liquidity, 6% on profitability and 19% on growth.
The bankruptcy probability was computed on 08-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 3,223 companies had the same profile as MENZ TRADING has now. Each dot stands for 9 companies, two years later.
87.8%
were still trading
8.7%
stopped another way
3.4%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of MENZ TRADING itself: 2.3% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,223 companies, not a prediction for MENZ TRADING. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.44 (3.8 in 2024), above the usual 1.5. Short-term debt is 41.1% and cash 0.8% of total assets. 41.1% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
raises riskneutral
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 05-07-2026, 26 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
26 days early
2024
27 days early
2023
66 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 4 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 5 July (3 of the last 3 accounts filed within 93 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0788904859
First establishment
Offerandestraat 71, Antwerp
Incorporation
Founding capital of €10,000, 100 shares · Founder: ZALLAM Mohamad · Appointment: ZALLAM Mohamad (director) · published on 28-07-2022 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| MENZ TRADING Antwerp | €31,735 | -€4,208 | 58.9% | - |
| LA DADA Brasschaat | €29,263 | -€10,467 | -60.2% | - |
| PUNTAZO Bierbeek | €36,240 | -€8,857 | -103.5% | - |
| FBKNF Brussels | €27,335 | -€19,113 | -223.4% | - |
| Chic & Cheap Antwerp Mortsel | €25,495 | €207 | -41.3% | - |
| Nine Of Clubs Edegem | €46,494 | -€6,412 | 50.2% | - |
| FLASH CAPSULES BE Brussels | €23,895 | -€15,275 | -406.5% | 0.8 |
These companies have the same main activity as MENZ TRADING: retail sale of clothing and accessories for women, men, children and babies (general range) (NACE 47716). They are comparable in size and age: total assets between €23,900 and €46,500, founded between 2021 and 2023.
Official details
Source: KBO- Status
- Active since 26-07-2022Normal situation
- Activity
- Retail sale of clothing and accessories for women, men, children and babies (general range)NACE 47716and 2 others
- Establishment unit
- 2.335.227.2902060 Antwerp, since 01-08-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 07-01-2026
Annual accounts 2025
- €31,735▼ 1.1%
- Filing
- Filed on 05-07-2026, 26 days before the end of the filing period
Insights on MENZ TRADING
MENZ TRADING files the micro format. That format states no turnover. The gross margin fell from €265 in 2023 to -€4,208 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about MENZ TRADING
- What is the company number of MENZ TRADING?
- The company number of MENZ TRADING is 0788.904.859. The VAT number is the same number with BE in front: BE 0788.904.859.
- Where is MENZ TRADING based?
- The registered office is at Offerandestraat 71, 2060 Antwerp.Company details
- What does MENZ TRADING do?
- According to the KBO register, the main activity is retail sale of clothing and accessories for women, men, children and babies (general range) (NACE 47716).
- What is the legal form of MENZ TRADING?
- MENZ TRADING is a private limited company (BV).
- When was MENZ TRADING founded?
- MENZ TRADING was founded on 26-07-2022.
- Is MENZ TRADING still active?
- Yes, MENZ TRADING is an active enterprise in the KBO register.
- What is the turnover of MENZ TRADING?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is MENZ TRADING profitable?
- In financial year 2025, MENZ TRADING made a loss of €4,942.
- Where can I find the annual accounts of MENZ TRADING?
- MENZ TRADING filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of MENZ TRADING due?
- MENZ TRADING must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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