MINI-MAAL
ActiveMINI-MAAL has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €53k and a net result of €-3k. Equity is growing by ~19.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 13071 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
78
/ 100
Excellent▲ +31 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100▲+12
Growth52=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 4.47 against 1.44 in 2024), and 9.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · 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 2025Solvency, return and age of the figures
Solvency
90.8%
Return on assets
-5.1%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€3k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
27 d late
2024
33 d late
2023
37 d late
2022
31 d late
2021
51 d late
2020
31 d late
2019
115 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€53k▼ 5.3%
2024 · €56k
2018: €11k
2019: €13k
2020: €39k
2021: €57k
2022: €74k
2023: €87k
2024: €56k
2018 → 2025
Total assets
€58k▼ 29.1%
2024 · €82k
2018: €15k
2019: €33k
2020: €41k
2021: €111k
2022: €104k
2023: €119k
2024: €82k
2018 → 2025
Net result
€-3k▲ 90.6%
2024 · €-31k
2018: €2k
2019: €1k
2020: €27k
2021: €18k
2022: €17k
2023: €13k
2024: €-31k
2018 → 2025
Working capital
€18k▲ 58.2%
2024 · €12k
2018: €10k
2019: €-6k
2020: €11k
2021: €29k
2022: €52k
2023: €30k
2024: €12k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€57k-€74k▲ 29.2%€87k▲ 16.9%€56k▼ 36.0%€53k▼ 5.3%
Operating result€21k-€26k▲ 26.5%€20k▼ 24.5%€-42k€-2k▲ 94.4%
Net result€18k-€17k▼ 8.3%€13k▼ 25.3%€-31k€-3k▲ 90.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2025 against €42k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €58k
Fixed assets
€34k▼ 21.8%
Current assets
€23k▼ 37.6%
Equity and liabilities €58k
Equity
€53k▼ 5.3%
Debt
€5k▼ 79.6%
The debt ratio falls from 32.0% to 9.2%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€7k▲
2024 · €-33k
Cash flow
€7k▲
2024 · €-23k
Solvency
90.8%▲
2024 · 68.0%
Current ratio
4.47▲
2024 · 1.44
Quick ratio
3.85▲
2024 · 1.32
Debt / equity
0.10▼
2024 · 0.47
ROE
-5.6%▲
2024 · -56.3%
ROA
-5.1%▲
2024 · -38.3%
Interest coverage
11.35▲
2024 · -39.95
Debt
€5k▼
2024 · €26k
Debt ≤ 1 year
€5k▼
2024 · €26k
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€82k€58k▼
Fixed assets21/28€44k€34k▼
Tangible fixed assets22/27€43k€34k▼
Plant, machinery and equipment23€21k€17k▼
Furniture and vehicles24€22k€16k▼
Other tangible fixed assets26€484€363▼
Financial fixed assets28€523€523=
Current assets29/58€38k€23k▼
Stocks and contracts in progress3€3k€3k=
Stocks30/36€3k€3k=
Amounts receivable within one year40/41€908€10k▲
Trade receivables40€908€7k▲
Other amounts receivable41-€3k
Cash at bank and in hand54/58€33k€8k▼
Deferred charges and accrued income490/1€19€2k▲
Equity and liabilities
Total equity and liabilities10/49€82k€58k▼
Equity10/15€56k€53k▼
Contributions10/11€40k€40k=
Reserves13€47k€47k=
Distributable reserves133€47k€47k=
Profit (loss) carried forward14€-31k€-34k▼
Amounts payable17/49€26k€5k▼
Amounts payable within one year42/48€26k€5k▼
Trade debts44€991€18▼
Suppliers440/4€991€18▼
Taxes, remuneration and social security45€7k€5k▼
Taxes450/3€7k€5k▼
Other amounts payable47/48€18k-
Accrued charges and deferred income492/3-€75
Income statement
Code20242025
Remuneration, social security and pensions62€12k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€10k▲
Other operating charges640/8€5k€3k▼
Gross operating margin9900€-16k€10k▲
Operating profit (loss)9901€-42k€-2k▲
Financial income75/76B€11k€20▼
Recurring financial income75€10€20▲
Non-recurring financial income76B€11k-
Financial charges65/66B€834€639▼
Recurring financial charges65€834€639▼
Profit (loss) for the period before taxes9903€-31k€-3k▲
Income taxes67/77€164-
Profit (loss) for the period9904€-31k€-3k▲
Profit (loss) for the period to be appropriated9905€-31k€-3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-31k€-34k▼
Profit (loss) brought forward from the previous period14P-€-31k
The notes to these accounts (5 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
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Liquidity triplescurrent ratio 4.47
Current ratio from 1.44 to 4.47; short-term debt falls from €26k to €5k.
02-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 33 days late
2024
31-12
Financial
Weakest financial yearnet €-31k ▼349%
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
06-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 37 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
20-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 51 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €27k ▲1772%
Operating result €27k, net result €27k, both a record.
31-12
Financial
Liquidity times 11current ratio 7.95
Current ratio from 0.71 to 7.95; short-term debt falls from €20k to €2k.
23-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 115 days late
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Antwerpen · 1 establishment unit since 2011
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.
Mechelsesteenweg 742018 AntwerpenGround area
119 m²
Building footprint
109 m²
Volume, LiDAR
1,278 m³
Parcel 11810K1507/00T000, Flanders · tallest building 16.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
MINI-MAAL
since 20112.203.842.770
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11810K1507/00T000 | Flanders | 119 m² | 1 · 109 m² | 16.9 m · 4 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 2,887 EUR awarded · 3,006 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
| 2024 | 1 | 456 EUR | 365 EUR |
| 2023 | 1 | 431 EUR | 641 EUR |
Schemes
Hinderpremie bij openbare werken
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.203.842.770
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Of 20,232 companies in sector 56111 we hold annual accounts for 11,312. 9,707 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCoöperatieve vennootschap met beperkte aansprakelijkheid
Founded16-08-2011
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress 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.