MIHAM

Active

Private limited companyfounded 20232 yrs activeRue du Marché 25, 4020 Liège, BelgiumKBO/BCE: BE 1000.842.733

The computed 12-month bankruptcy probability of MIHAM is 3.6% (moderate). The 2024 annual accounts show equity of €20k and a net result of €12k. Its solvency ranks better than 40% of 26053 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

55 / 100

Fair

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

Axes

Profitability84

Solvency45

Growth-

Track record67

Bankruptcy probability, 12 months

3.6% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1k at 30 days only on tighter terms

Liquidity short (current ratio 0.83; short-term debt: 79.5% and cash: 49.2% of total assets), and 79.5% 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

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 10

Relative position

BE, all sectors

reference

Sector 10

higher

← fewer bankruptcies more bankruptcies →

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

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 2024

Solvency, return and age of the figures

Solvency

20.5%

Return on assets

12.2%

Age of the figures

21 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Filed more than 90 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 03-12-2025, 125 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

NBB · 1 filing

Deviation from the deadline

2024

125 d late

← before the deadline after the 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 2024, micro schema

Equity

€20k

Total assets

€96k

Net result

€12k

Working capital

€-13k

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition

Assets €96k

33.8%

66.2%

Fixed assets €32k

Current assets €64k

Equity and liabilities €96k

20.5%

79.5%

Equity €20k

Debt €76k

Debt finances 79.5% of the balance-sheet total.

Key figures and ratios

2024 value

EBITDA

€18k

Cash flow

€12k

Solvency

20.5%

Current ratio

0.83

Quick ratio

0.80

Debt / equity

3.88

ROE

59.3%

ROA

12.2%

Interest coverage

8.60

Debt

€76k

Debt ≤ 1 year

€76k

Income taxes

€4k

Staff costs

€123k

Filed annual accounts

As filed with the NBB · 2024

Balance sheet Code2024

Assets

Total assets20/58€96k

Fixed assets21/28€32k

Intangible fixed assets21€795

Tangible fixed assets22/27€587

Furniture and vehicles24€587

Financial fixed assets28€31k

Current assets29/58€64k

Stocks and contracts in progress3€2k

Stocks30/36€2k

Amounts receivable within one year40/41€13k

Trade receivables40€1k

Other amounts receivable41€12k

Cash at bank and in hand54/58€47k

Deferred charges and accrued income490/1€1k

Equity and liabilities

Total equity and liabilities10/49€96k

Equity10/15€20k

Contributions10/11€8k

Profit (loss) carried forward14€12k

Amounts payable17/49€76k

Amounts payable within one year42/48€76k

Trade debts44€41k

Suppliers440/4€41k

Taxes, remuneration and social security45€35k

Taxes450/3€5k

Remuneration and social security454/9€30k

Other amounts payable47/48€190

Income statement Code2024

Remuneration, social security and pensions62€123k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€659

Other operating charges640/8€125

Gross operating margin9900€141k

Operating profit (loss)9901€18k

Financial charges65/66B€2k

Recurring financial charges65€2k

Profit (loss) for the period before taxes9903€16k

Income taxes67/77€4k

Profit (loss) for the period9904€12k

Profit (loss) for the period to be appropriated9905€12k

Appropriation of the result

Profit (loss) to be appropriated9906€12k

The notes to these accounts (11 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 1Filings 1

2025

03-12

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 125 days late

NBB filing

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, Liège · 2 establishment units since 2023

establishment All 2 establishment units 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.

Rue du Marché 254020 Liège

Ground area

175 m²

Building footprint

88 m²

Volume, LiDAR

1,048 m³

2 parcels, Wallonia · tallest building 16.4 m, ±4 floors. Linked by address, not a title deed.

2 establishment units

Marrakech

Chaussée des Prés 1, 4020 LiègeRetail sale of bread and pastry (bakery outlets)

since 20232.351.692.942

MARRAKECH

Rue du Marché 25, 4020 LiègeArtisanal bread and fresh pastry making

since 20232.353.195.056

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62020A0540/00B005	Wallonia	142 m²	1 · 54 m²	16.4 m · 4 fl.
62808A0517/00A000	Wallonia	33 m²	1 · 34 m²	15.9 m · 3 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels 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

2 sites

Liège2.351.692.942

1 permission

Toelating · Bakkerij · since 04-01-2024

Liège2.353.195.056

1 permission

Toelating · Bakkerij · since 26-03-2024

Similar companies · same sector, comparable size

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Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded05-10-2023

Fiscal year end31-12

Activities, NACEBEL

10712Artisanal bread and fresh pastry making

47241Retail sale of bread and pastry (bakery outlets)

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

2 entries

E-mail:miham1177@gmail.com

Enterprise

Phone:0460949096

Enterprise