Active BE 1000.842.733Private limited company

MIHAM

Rue du Marché 25 ·4020 Liège, Belgium· 2 yrs active

Sector: Retail trade (47241)

Conclusion Checked

The computed 12-month bankruptcy probability of MIHAM is 3.2% (moderate). The 2024 annual accounts show equity of €20k and a net result of €12k. Its solvency ranks better than 50% of 6670 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Key figures

Equity	€20k
Net result	€12k
Better than sector	50%
Active	2 yrs

Snowflake analysis 5 axes · computed by Checked

57 / 100

Mixed profile: strong on profitability, weaker on solvency.

Health 48

Profitability 100

Solvency 22

Growth 50

Stability 67

Bankruptcy probability (12 mo) Checked model v1 · free

3.2% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate sector +Multiple establishment units +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 3 signals

Young company

Founded in 2023, under 3 years, statistically higher risk.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.

Administratively compliant

No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags 0 events

No administrative flags

Health barometer FY 2024 · computed

48 / 100 Fair

050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Financial overview1 NBB filings

Annual accounts filed on 03-12-2025 with the NBB · fiscal year 2024 · micro

Sector comparison

Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	20.5%	20.3%	better than 50% of 6670 sector peers
Net result	€12k	€4k	better than 64% of 6651 sector peers
Equity	€20k	€16k	better than 53% of 6684 sector peers
Gross operating margin	€141k	€24k	better than 88% of 6630 sector peers
Staff costs	€123k	€33k	higher than 88% of 3021 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Highlight YoY changes (±10%)

Fiscal year	2024
Revenue	-
EBITDA	€18k
Net profit	€12k
Cash flow	€12k
Staff costs	€123k
Income taxes	€4k
Dividends	-
Total assets	€96k
Equity	€20k
Debt	€76k
of which ≤ 1y	€76k
of which > 1y	-
Working capital	€-13k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	0.83
Quick ratio	0.80
Working capital ratio	-13.3%
Solvency	20.5%
Debt / equity	3.88
Long-term debt ratio	-
Interest coverage	8.60
Gross margin	-
Net margin	-
ROA	12.2%
ROE	59.3%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €32k · 33.8% Current assets €64k · 66.2%

Equity & liabilities

Equity €20k · 20.5% Debt €76k · 79.5%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€96k
Fixed assets	21/28	€32k
Intangible fixed assets	21	€795
Tangible fixed assets	22/27	€587
Financial fixed assets	28	€31k
Current assets	29/58	€64k
Stocks & contracts in progress	3	€2k
Amounts receivable within one year	40/41	€13k
Cash & bank	54/58	€47k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€96k
Equity	10/15	€20k
Contributions / capital	10/11	€8k
Accumulated profits (losses)	14	€12k
Amounts payable	17/49	€76k
Amounts payable within one year	42/48	€76k
Trade debts payable within one year	44	€41k
Income statement
Gross operating margin	9900	€141k
Operating result	9901	€18k
Financial charges	65	€2k
Result before taxes	9903	€16k
Income taxes	67/77	€4k
Net result for the period	9904	€12k
Result to be appropriated	9905	€12k

Ratios computed by Checked.

Legal Structure

NACE primary	Retail trade(47241)
Legal form	Private limited company(610)
Incorporation	05-10-2023
Status	Active
Postal code	4020

Establishment units 2 locations

Marrakech

Chaussée des Prés 1, 4020 LiègeDetailhandel in brood en banketbakkerswerk (koude bakkers)

since 20232.351.692.942

MARRAKECH

Rue du Marché 25, 4020 LiègeAmbachtelijke vervaardiging van brood en van vers banketbakkerswerk

since 20232.353.195.056

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62020A0540/00B005	Wallonia	142 m²	1 · 54 m²	16.4 m · 4 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 4 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

03-12-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

30-01-2025

State Gazette act Director changes

2023

05-12-2023

State Gazette act Capital & shares

21-11-2023

State Gazette act Capital & shares

Belgisch Staatsblad, acts 3 acts

Capital history · 2

05-12-2023

Capital change

21-11-2023

Capital change

All acts · 3 updated 1 year ago

2025

30-01-2025 1 director appointed, 1 resigning Director changes

SENHAJI KAMAL, Bestuurder
MESSOUDI MOHAMMADI, Bestuurder

Original publication ↗

Technical details

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      "evidence_quote": "Mr MESSOUDI MOHAMMADI d\u00E9missionne de son poste Administrateur et ce depuis ce jour le 31/12/2024.",
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      "decharge_status": null,
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      "effective_date": null,
      "evidence_quote": "Le si\u00E8ge social est transf\u00E9r\u00E9 \u00E0 25 Rue du March\u00E9 4020 Li\u00E8ge",
      "decharge_status": null,
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      "rep_rotation_old_rep": null,
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  "notary": {
    "name": null,
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    "firm_name": null,
    "office_city": "LIEGE",
    "is_associated": false
  },
  "act_meta": {
    "language": "fr",
    "pub_date": "2025-01-30",
    "filing_date": "2025-01-22",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
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      "body": "buitengewone_algemene_vergadering",
      "date": "2024-12-31",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "1000.842.733",
    "name_full": "UKAL BE LENTREPRINE DE LIE CE",
    "legal_form": "SARL"
  },
  "publication_proxy": {
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    "org_kbo": null,
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  },
  "co_filed_documents": [
    "Bijlagen bif het Belgisch Staatsblad-30/01/2025-Annexes du Moniteur belge"
  ],
  "corrected_publication_numac": null
}

2023

05-12-2023 Transaction in capital or shares Capital & shares

Original publication ↗

Technical details

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      ],
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  ],
  "notary": {
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  "act_meta": {
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  "decision": {
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    "act_date": "2023-11-22",
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    "under_authorized_capital": false,
    "underlying_resolution_date": "2023-11-22"
  },
  "bedrijfsrevisor": null,
  "subject_company": {
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  "co_filed_documents": [],
  "shareholders_after": [
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  ],
  "share_classes_after": []
}

21-11-2023 Transaction in capital or shares Capital & shares

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

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Company registry (CBE) Crossroads Bank

Activities

Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk10712Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk10712Detailhandel in brood en banketbakkerswerk in gespecialiseerde winkels (koude bakkers)47241Detailhandel in brood en banketbakkerswerk (koude bakkers)47241

Primary activity highlighted.

Names & trade names

Legal nameFR

MIHAM

Registered office

Rue du Marché 25

4020 Liège, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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