Milio is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €3.45M and a net result of €2.55M. Equity is growing by ~127.6% per year across the filed fiscal years. Its solvency ranks better than 88% of 5523 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 27-11-2025, 27 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 6 filingsDeviation from the deadline
2025
27 d late
2024
on the day
2023
on the day
2022
on the day
2021
8 d late
2020
9 d late
← before the deadline
after the deadline →
neutral · 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 monthsPosition in the running window
31-03-2026 close22-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.45M▲ 283%
2024 · €900k
2020: €34k
2021: €145k
2022: €260k
2023: €381k
2024: €900k
2020 → 2025
Net result
€2.55M▲ 390%
2024 · €519k
2020: €33k
2021: €111k
2022: €115k
2023: €171k
2024: €519k
2020 → 2025
Total assets
€3.69M▲ 266%
2024 · €1.01M
2020: €52k
2021: €235k
2022: €300k
2023: €472k
2024: €1.01M
2020 → 2025
Solvency
93.4%▲ 4.2pp
2024 · 89.2%
2020: 65.1%
2021: 61.7%
2022: 86.5%
2023: 80.7%
2024: 89.2%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€145k-€260k▲ 79.0%€381k▲ 46.7%€900k▲ 136%€3.45M▲ 283%
Operating result€147k-€141k▼ 4.5%€223k▲ 58.6%€166k▼ 25.5%€179k▲ 7.5%
Net result€111k-€115k▲ 2.8%€171k▲ 49.4%€519k▲ 203%€2.55M▲ 390%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 7% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.69M
Fixed assets
€255k▲ 128%
Current assets
€3.44M▲ 283%
Equity and liabilities €3.69M
Equity
€3.45M▲ 283%
Debt
€245k▲ 124%
The debt ratio falls from 10.8% to 6.6%. Equity and debt are higher.
Key figures and ratios
Solvency
93.4%▲
2024 · 89.2%
ROE
73.9%▲
2024 · 57.7%
ROA
69.0%▲
2024 · 51.4%
Debt
€245k▲
2024 · €109k
Debt ≤ 1 year
€66k▼
2024 · €109k
Debt > 1 year
€179k
Income taxes
€62k▲
2024 · €44k
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€1.01M€3.69M▲
Fixed assets21/28€112k€255k▲
Tangible fixed assets22/27€26k€30k▲
Furniture and vehicles24€26k€628▼
Assets under construction and advance payments27-€29k
Financial fixed assets28€86k€225k▲
Current assets29/58€898k€3.44M▲
Amounts receivable after more than one year29€691k€91k▼
Other amounts receivable291€691k€91k▼
Amounts receivable within one year40/41€61k€2.41M▲
Trade receivables40€54k€92k▲
Other amounts receivable41€6k€2.32M▲
Current investments50/53-€400k
Cash at bank and in hand54/58€144k€532k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€1.01M€3.69M▲
Equity10/15€900k€3.45M▲
Contributions10/11€1k€1k=
Reserves13-€105k
Tax-exempt reserves132-€105k
Profit (loss) carried forward14€899k€3.34M▲
Amounts payable17/49€109k€245k▲
Amounts payable after more than one year17-€179k
Financial debts170/4-€179k
Amounts payable within one year42/48€109k€66k▼
Current portion of amounts payable after more than one year42€0€41k▲
Financial debts43€14k€11k▼
Credit institutions430/8€14k€11k▼
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Advances received on contracts in progress46€66k€0▼
Taxes, remuneration and social security45€28k€9k▼
Taxes450/3€28k€9k▼
Remuneration and social security454/9-€0
Other amounts payable47/48€0-
Income statement
Code20242025
Non-recurring operating income76A-€16k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€1k▼
Other operating charges640/8€957€8k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€172k€188k▲
Operating profit (loss)9901€166k€179k▲
Financial income75/76B€400k€2.44M▲
Recurring financial income75€400k€2.44M▲
Financial charges65/66B€3k€9k▲
Recurring financial charges65€3k€9k▲
Profit (loss) for the period before taxes9903€563k€2.61M▲
Income taxes67/77€44k€62k▲
Profit (loss) for the period9904€519k€2.55M▲
Transfer to tax-exempt reserves689-€105k
Profit (loss) for the period to be appropriated9905€519k€2.44M▲
Appropriation of the result
Profit (loss) to be appropriated9906€899k€3.34M▲
Profit (loss) brought forward from the previous period14P€380k€899k▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (20 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
2025
27-11
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
31-03
Financial
Highest result since 2020net €2.55M ▲390%
Net result €2.55M, the highest in the series.
31-03
Financial
Liquidity times 6current ratio 52.43
Current ratio from 8.21 to 52.43; short-term debt falls from €109k to €66k.
31-03
Financial
Equity above €2MEq €3.45M ▲283%
6 profitable years in a row build equity to €3.45M.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Liquidity doublescurrent ratio 8.21
Current ratio from 3.94 to 8.21.
31-03
Financial
Equity above €500kEq €900k ▲136%
5 profitable years in a row build equity to €900k.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Liquidity triplescurrent ratio 8.73
Current ratio from 2.89 to 8.73; short-term debt falls from €65k to €29k.
31-03
Financial
Equity above €200kEq €260k ▲79%
3 profitable years in a row build equity to €260k.
2021
08-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 8 days late
31-03
Financial
Equity above €100kEq €145k ▲332%
2 profitable years in a row build equity to €145k.
2020
09-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lummen · 1 establishment unit since 2019
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.
Kruienstraat 463560 LummenGround area
549 m²
Building footprint
102 m²
Volume, LiDAR
679 m³
Parcel 71038D0133/00G002, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kruienstraat 46, 3560 Lummen
since 20192.291.967.468
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71038D0133/00G002 | Flanders | 549 m² | 1 · 102 m² | 8.9 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
Legal Entity Identifier
894500MQTXSKTRAY6J92
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 9,282 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-07-2019
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.