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MIRADI

Active
Private limited companyfounded 20197 yrs activeHoutmolenstraat 109, 3900 Pelt, BelgiumKBO/BCE: BE 0730.737.919
Summary

The computed 12-month bankruptcy probability of MIRADI is 2.5% (moderate). The 2025 annual accounts show equity of €155,988 and a net result of -€12,964. Equity is shrinking by ~3.7% per year across the filed fiscal years. The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability43▼-6
Solvency54▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
2.5% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days acceptable
Liquidity short (current ratio 0.17 against 0.14 in 2024; short-term debt: 38.3% and cash: 4.8% of total assets), and 70.9% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 7 years 0 10 y
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
19202122232425
2019 to 2025 · latest year -€12,964
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 29-07-2026, 2 days ahead of the deadline.
NBB · 7 filings
Deviation from the deadline
2025
2 d early
2024
31 d late
2023
75 d late
2022
29 d late
2021
61 d late
2020
27 d late
2019
77 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 43 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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 31 August (4 of the last 5 filed years within 33 days of that day).
Companies Code · seven months
Position in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 16 July 2019, MIRADI was incorporated as a Private limited company.1 Total assets went from EUR 76,094 in 2019 to EUR 535,892 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2019 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€155,988▼ 7.7%
2024 · €168,952
Total assets
€535,892▼ 4.0%
2024 · €558,499
Net result
-€12,964▼ 47.2%
2024 · -€8,809
Working capital
-€169,603▲ 2.2%
2024 · -€173,427
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result€216,624-€14,826-€5,409▲ 63.5%-€4,857▲ 10.2%-€8,818▼ 81.5%
Net result€155,171-€18,378-€6,184▲ 66.3%-€8,809▼ 42.4%-€12,964▼ 47.2%
Equity€202,323▲ 329%€183,945▼ 9.1%€177,761▼ 3.4%€168,952▼ 5.0%€155,988▼ 7.7%
Total assets€649,899▲ 104%€593,331▼ 8.7%€572,853▼ 3.5%€558,499▼ 2.5%€535,892▼ 4.0%
Debt€389,746▲ 44.6%€353,828▼ 9.2%€341,806▼ 3.4%€338,533▼ 1.0%€331,162▼ 2.2%
Working capital-€165,296▼ 860%-€179,367▼ 8.5%-€174,565▲ 2.7%-€173,427▲ 0.7%-€169,603▲ 2.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€100,000€0€100,000€200,000Operating result 2021: €216,624€216,624Net result 2021: €155,171€155,171Operating result 2022: -€14,826-€14,826Net result 2022: -€18,378-€18,378Operating result 2023: -€5,409-€5,409Net result 2023: -€6,184-€6,184Operating result 2024: -€4,857-€4,857Net result 2024: -€8,809-€8,809Operating result 2025: -€8,818-€8,818Net result 2025: -€12,964-€12,96420212022202320242025-€15,000-€10,000-€5,000€0Operating result 2023: -€5,409-€5,410Net result 2023: -€6,184-€6,180Operating result 2024: -€4,857-€4,860Net result 2024: -€8,809-€8,810Operating result 2025: -€8,818-€8,820Net result 2025: -€12,964-€13,000202320242025
The operating result stays negative: a loss of €8,818 in 2025 against €4,857 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €535,892
Fixed assets €500,344 ▼ 5.6%
Current assets €35,548 ▲ 23.9%
Equity and liabilities €535,892
Equity €155,988 ▼ 7.7%
Provisions €48,742 ▼ 4.5%
Debt €331,162 ▼ 2.2%
Debt's share of the balance-sheet total rises from 60.6% to 61.8%. Equity and debt are lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€20,642▼
2024 · €23,851
Cash flow
€16,496▼
2024 · €19,899
Current ratio
0.17▲
2024 · 0.14
Debt to equity
2.12▲
2024 · 2.00
ROE
-8.3%▼
2024 · -5.2%
ROA
-2.4%▼
2024 · -1.6%
Interest coverage
3.22▼
2024 · 3.83
Debt ≤ 1 year
€205,152▲
2024 · €202,122
Debt > 1 year
€124,960▼
2024 · €136,341
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 747 companies that looked in July 2024 the way this one looks now, 1.2% went bankrupt within 24 months and 97% are still going.

  • Small
  • 5 to 10 years old
  • solvency 10 to 30%
  • a small loss
1.2% went bankrupt
1.9% stopped otherwise
97% still going

A further 0.4% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 2.5% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 747 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet Code20242025
Assets
Total assets20/58€558,499€535,892▼
Fixed assets21/28€529,804€500,344▼
Tangible fixed assets22/27€529,804€500,344▼
Land and buildings22€529,804€500,344▼
Current assets29/58€28,695€35,548▲
Cash at bank and in hand54/58€28,695€25,749▼
Deferred charges and accrued income490/1-€9,800
Equity and liabilities
Total equity and liabilities10/49€558,499€535,892▼
Equity10/15€168,952€155,988▼
Contributions10/11€21,347€21,347=
Reserves13€149,597€142,781▼
Non-distributable reserves130/1€2,135€2,135=
Reserves not available under the articles1311€2,135€2,135=
Tax-exempt reserves132€146,193€139,377▼
Distributable reserves133€1,270€1,270=
Profit (loss) carried forward14-€1,993-€8,141▼
Provisions and deferred taxes16€51,014€48,742▼
Deferred taxes168€51,014€48,742▼
Amounts payable17/49€338,533€331,162▼
Amounts payable after more than one year17€136,341€124,960▼
Financial debts170/4€136,341€124,960▼
Amounts payable within one year42/48€202,122€205,152▲
Current portion of amounts payable after more than one year42€11,011€11,381▲
Trade debts44€2,892€1,693▼
Suppliers440/4€2,892€1,693▼
Taxes, remuneration and social security45€1,170€1,119▼
Taxes450/3-€1,119
Remuneration and social security454/9€1,170-
Other amounts payable47/48€187,049€190,960▲
Accrued charges and deferred income492/3€70€1,050▲
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28,708€29,460▲
Other operating charges640/8€2,181€2,308▲
Gross operating margin9900€26,032€22,951▼
Operating profit (loss)9901-€4,857-€8,818▼
Financial charges65/66B€6,224€6,418▲
Recurring financial charges65€6,224€6,418▲
Profit (loss) for the period before taxes9903-€11,081-€15,236▼
Transfer from deferred taxes780€2,272€2,272=
Profit (loss) for the period9904-€8,809-€12,964▼
Transfer from tax-exempt reserves789€6,816€6,816=
Profit (loss) for the period to be appropriated9905-€1,993-€6,148▼
Appropriation of the result
Profit (loss) to be appropriated9906-€1,993-€8,141▼
Profit (loss) brought forward from the previous period14P--€1,993

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Non-recurring operating income76A€226,160-----
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9,352€27,760€27,957€28,708€29,460▲ 2.6%
Other operating charges640/8€2,481€1,864€3,339€2,181€2,308▲ 5.8%
Gross operating margin9900€228,458€14,798€25,887€26,032€22,951▼ 11.8%
Operating profit (loss)9901€216,624-€14,826-€5,409-€4,857-€8,818▼ 81.5%
Financial charges65/66B€5,906€5,824€3,047€6,224€6,418▲ 3.1%
Recurring financial charges65€5,906€5,824€3,047€6,224€6,418▲ 3.1%
Profit (loss) for the period before taxes9903€210,718-€20,650-€8,456-€11,081-€15,236▼ 37.5%
Transfer from deferred taxes780€993€2,272€2,272€2,272€2,272=
Transfer to deferred taxes680€56,540-----
Profit (loss) for the period9904€155,171-€18,378-€6,184-€8,809-€12,964▼ 47.2%
Transfer from tax-exempt reserves789€2,979€6,816€6,816€6,816€6,816=
Transfer to tax-exempt reserves689€169,620-----
Profit (loss) for the period to be appropriated9905-€11,470-€11,562€632-€1,993-€6,148▼ 208%
Line20212022202320242025Change
Assets
Total assets20/58€649,899€593,331€572,853€558,499€535,892▼ 4.0%
Fixed assets21/28€595,358€578,952€550,995€529,804€500,344▼ 5.6%
Tangible fixed assets22/27€595,358€578,952€550,995€529,804€500,344▼ 5.6%
Land and buildings22€325,615€578,952€550,995€529,804€500,344▼ 5.6%
Assets under construction and advance payments27€269,743-----
Current assets29/58€54,541€14,379€21,858€28,695€35,548▲ 23.9%
Amounts receivable within one year40/41-€1,717----
Other amounts receivable41-€1,717----
Cash at bank and in hand54/58€54,541€12,662€21,858€28,695€25,749▼ 10.3%
Deferred charges and accrued income490/1----€9,800-
Equity and liabilities
Total equity and liabilities10/49€649,899€593,331€572,853€558,499€535,892▼ 4.0%
Equity10/15€202,323€183,945€177,761€168,952€155,988▼ 7.7%
Contributions10/11€21,347€21,347€21,347€21,347€21,347=
Reserves13€180,975€162,598€156,413€149,597€142,781▼ 4.6%
Non-distributable reserves130/1€2,135€2,135€2,135€2,135€2,135=
Reserves not available under the articles1311€2,135€2,135€2,135€2,135€2,135=
Tax-exempt reserves132€166,641€159,825€153,009€146,193€139,377▼ 4.7%
Distributable reserves133€12,200€638€1,270€1,270€1,270=
Profit (loss) carried forward14----€1,993-€8,141▼ 308%
Provisions and deferred taxes16€57,830€55,558€53,286€51,014€48,742▼ 4.5%
Deferred taxes168€57,830€55,558€53,286€51,014€48,742▼ 4.5%
Amounts payable17/49€389,746€353,828€341,806€338,533€331,162▼ 2.2%
Amounts payable after more than one year17€169,359€158,717€145,313€136,341€124,960▼ 8.3%
Financial debts170/4€169,359€158,717€145,313€136,341€124,960▼ 8.3%
Amounts payable within one year42/48€219,837€193,746€196,423€202,122€205,152▲ 1.5%
Current portion of amounts payable after more than one year42€10,641€10,641€13,404€11,011€11,381▲ 3.4%
Trade debts44€15,380€968-€2,892€1,693▼ 41.5%
Suppliers440/4€15,380€968-€2,892€1,693▼ 41.5%
Taxes, remuneration and social security45€110--€1,170€1,119▼ 4.4%
Taxes450/3€110---€1,119-
Remuneration and social security454/9---€1,170--
Other amounts payable47/48€193,706€182,136€183,019€187,049€190,960▲ 2.1%
Accrued charges and deferred income492/3€550€1,365€70€70€1,050▲ 1,400%
Line20212022202320242025Change
Profit (loss) for the period9904€155,171-€18,378-€6,184-€8,809-€12,964▼ 47.2%
+ Depreciation and write-downs630€9,352€27,760€27,957€28,708€29,460▲ 2.6%
Operating cash flow (approximation)€164,523€9,382€21,773€19,899€16,496▼ 17.1%
Investment in fixed assets (approximation)--€11,354€0-€7,517€0▲ 100%
Change in cash--€41,879€9,196€6,837-€2,946▼ 143%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
29-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
14-10
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 75 days late
2023
29-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial Weakest financial yearnet -€18,378
Net result drops to -€18,378, the lowest in the series; recovery starts the following year.
30-09
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial Back to profitnet €155,171
Net result €155,171 after one loss-making year.
31-12
Financial Equity above €200,000Eq €202,323 ▲329%
Equity rises from €47,152 to €202,323.
27-08
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
16-10
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 77 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
2 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, Pelt · 1 establishment unit since 2019
seat establishment The establishment unit on the map
Ground area
2,183 m²
Building footprint
217 m²
Volume, LiDAR
1,196 m³
Parcel 72029A1325/00C000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MIRADI
Houtmolenstraat 109, 3900 PeltReal estate activities
since 20192.294.502.039
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
72029A1325/00C000 Flanders 2,183 m² 1 · 217 m² 8.4 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Identification & contact

Identification
Legal formPrivate limited company
Founded16-07-2019
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

If you follow this company, Checked tells you the day it appears in the Peppol register.

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.