Financials
- Fiscal year
- 2025
- Turnover
- €38.9m
- Profit
- €122,713
- Solvency
- 29.1%
Turnover▲ 9.1%
Net result
20182025
MINERA
ActiveSummary
The computed 12-month bankruptcy probability of MINERA is 2.3% (moderate). The 2025 annual accounts show equity of €3.0m and a net result of €122,713. Equity remains stable across the filed fiscal years (±0.7% per year). The company has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Wholesale of construction materials, general range
NACE 46831NACE 46731NACE 51532
4 sites
Size
€38.9mturnover 2025
- Staff
- 11.2 FTE
- Equity
- €3.0m
- Profit
- €122,713
Structure
- Parent
- De Hoop Terneuzen B.V.
Accounts 36 d early1 of 17 deeds read
Why 52- Figures for FY 2024 (filed 04-07-2025)- Liquidity: current ratio 1.54, cash €110,539, halved- Size: turnover €35.7m, 11.3 FTE, total assets €12.0m+ Founded in 1990Show the evidence
Checked score
Score 2025
52
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 35% of its sector peers (NACE 46, small)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Average
Solvency
54+4
equity 29.1% of total assets
Liquidity
28+4
short-term debt 45.6% · cash 0.1%
Profitability
55-2
return on assets 1.2%
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 14 months
09-2025: 0.5%
10-2025: 0.5%● 0.0% vs 09-2025
11-2025: 0.5%● 0.0% vs 10-2025
12-2025: 0.5%● 0.0% vs 11-2025
01-2026: 0.5%● 0.0% vs 12-2025
02-2026: 0.5%▼ -3.6% vs 01-2026lowest value
03-2026: 0.5%▲ +1.5% vs 02-2026
04-2026: 0.5%▲ +1.9% vs 03-2026
05-2026: 0.5%▲ +4.9% vs 04-2026
06-2026: 0.5%▲ +2.2% vs 05-2026
07-2026: 0.5%▲ +2.4% vs 06-2026
08-2026: 1.1%▲ +109% vs 07-2026
09-2026: 1.4%▲ +29.9% vs 08-2026
10-2026: 2.3%▲ +64.3% vs 09-2026highest value
- Figures for FY 2024 (filed 04-07-2025) raises the probability
- Liquidity: current ratio 1.54, cash €110,539, halved raises the probability
- Size: turnover €35.7m, 11.3 FTE, total assets €12.0m raises the probability for this profile
- Founded in 1990 lowers the probability for this profile
Credit up to €150,000 at 30 days acceptable
Liquidity ample (current ratio 1.78 against 1.54 in 2024; short-term debt: 45.6% and cash: 0.1% of total assets), but 70.9% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, small). Better than this share of them on solvency 28%, liquidity 22%, profitability 40%, growth against the median 51%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 25-06-2026, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
36 d early
2024
29 d early
2023
33 d early
2022
32 d early
2021
31 d early
2020
31 d early
2019
36 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 33 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 29 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Resignation: DE HOOP TERNEUZEN BV (director)Permanent representative: ROBERT DIKKER
- Annual accounts filedfiscal year 2025 · full…
- Annual accounts filedfiscal year 2024 · full…
Key points
By topic
Board & ownership
- Parent
- De Hoop Terneuzen B.V.
Timeline
- Events
- 12
- Since
- 2017
- Next accounts
- by 31-07-2027
- 28-08-2026Resignation: DE HOOP TERNEUZEN BV (director)
- 25-06-2026Annual accounts filed
- 02-07-2025Annual accounts filed
Company details
- Sites
- 4
- Legal form
- Public limited company
- Activity
- Wholesale of construction materials, general rangeNACE 46831
- Founded
- 25-10-1990
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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