Mioef · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Mioef is 0.1% (very low). The 2025 annual accounts show equity of €126k and a net result of €29k. Equity is growing by ~46.4% per year across the filed fiscal years. Its solvency ranks better than 84% of 556 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 3 annual accounts.

Signals

2 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 84% of 556 peers (2024). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2023 and 2024).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 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.

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.

How we compute the deadline

The year end is derived from 3 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	11-08-2026	11 d late	2026-00400027
31-12-2024	31-07-2025	09-09-2025	40 d late	2025-00488798
31-12-2023	31-07-2024	24-07-2024	7 d early	2024-00293661

Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2023, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.1% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +

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

Financials

TurnoverNot published (micro schema)

EBIT marginNot published (micro schema)

Net result€29k-51.8%

Working capital€124k+32.2%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 11-08-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining Net result: declining trend of ~6.5%/year over 3 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 75 · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	78.7%	49.2%	better than 84% of 556 sector peers
Net result	€61k	€25k	better than 81% of 556 sector peers
Equity	€97k	€55k	better than 69% of 556 sector peers
Gross operating margin	€79k	€52k	better than 67% of 556 sector peers
Total assets	€123k	€136k	better than 45% of 556 sector peers

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

EBITDA

€38k

-50.6% 23-25

Net profit

€29k

-51.8% 23-25

Cash flow

€30k

-51.0% 23-25

Total assets

€142k

+15.5% 23-25

Equity

€126k

+30.2% 23-25

Working capital

€124k

+32.2% 23-25

Income taxes

€8k

-49.9% 23-25

Debt

€16k

-38.8% 23-25

Show 8 other metrics

Debt ≤ 1y

€16k

-38.8% 23-25

Current ratio

8.76

+90.7% 23-25

Quick ratio

8.76

+90.7% 23-25

Solvency

88.7%

+12.7% 23-25

Debt / equity

0.13

-53.0% 23-25

ROE

23.2%

-63.0% 23-25

ROA

20.6%

-58.3% 23-25

Interest coverage

152.86

-33.8% 23-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€38k
Net profit	€29k
Cash flow	€30k
Staff costs	-
Income taxes	€8k
Dividends	-
Total assets	€142k
Equity	€126k
Debt	€16k
of which ≤ 1y	€16k
of which > 1y	-
Working capital	€124k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	8.76
Quick ratio	8.76
Working capital ratio	87.4%
Solvency	88.7%
Debt / equity	0.13
Long-term debt ratio	-
Interest coverage	152.86
Gross margin	-
Net margin	-
ROA	20.6%
ROE	23.2%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €2k · 1.3% Current assets €140k · 98.7%

Equity & liabilities

Equity €126k · 88.7% Debt €16k · 11.3%

Full annual accounts (21 line items)

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

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€142k
Fixed assets	21/28	€2k
Tangible fixed assets	22/27	€2k
Current assets	29/58	€140k
Amounts receivable within one year	40/41	€82k
Cash & bank	54/58	€58k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€142k
Equity	10/15	€126k
Contributions / capital	10/11	€3k
Reserves	13	€123k
Amounts payable	17/49	€16k
Amounts payable within one year	42/48	€16k
Trade debts payable within one year	44	€1k
Income statement
Gross operating margin	9900	€39k
Operating result	9901	€37k
Financial income	75	€0
Financial charges	65	€250
Result before taxes	9903	€37k
Income taxes	67/77	€8k
Net result for the period	9904	€29k
Result to be appropriated	9905	€29k

This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

93 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

3 companies at this address See who is registered here

Establishment units

1 location

Mioef

Selsaetenstraat 43, 2160 WommelgemHandel in eigen onroerend goed

since 20232.342.013.431

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

Parcels1

Ground area1.0 ha

Buildings1

Building footprint442 m²

Real-estate footprint

Source: CBE × cadastre · address linking

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.

Flanders 1 (100%)