Miramar
ActiveMiramar has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €54k and a net result of €-14k. Equity is growing by ~36.1% per year across the filed fiscal years. Its solvency ranks better than 36% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2024
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2022
Profitability33▼-30
Solvency42▼-12
Growth52=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity short (current ratio 0.96 against 0.7 in 2022; short-term debt: 81.5% and cash: 60.9% of total assets), and 83% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
17%
Return on assets
-4.3%
Age of the figures
21 mo
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 dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-10-2025, 90 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
90 d late
2022
137 d late
2021
67 d late
2020
87 d late
2019
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€54k▲ 16.2%
2022 · €46k
2019: €14k
2020: €24k
2021: €41k
2022: €46k
2019 → 2024
Total assets
€318k▲ 101%
2022 · €158k
2019: €30k
2020: €88k
2021: €121k
2022: €158k
2019 → 2024
Net result
€-14k
2022 · €6k
2019: €7k
2020: €10k
2021: €17k
2022: €6k
2019 → 2024
Working capital
€-11k▲ 67.2%
2022 · €-33k
2019: €5k
2020: €-7k
2021: €-20k
2022: €-33k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120222024Trend
Equity€14k-€24k▲ 74.8%€41k▲ 72.1%€46k▲ 14.4%€54k▲ 16.2%
Operating result€11k-€20k▲ 76.0%€28k▲ 37.5%€15k▼ 47.5%€-6k
Net result€7k-€10k▲ 38.3%€17k▲ 68.4%€6k▼ 65.6%€-14k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is €-6k in 2024, compared with €15k in 2022. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2024 in colour, 2022 as the grey bar beneath
Assets €318k
Fixed assets
€70k▼ 12.6%
Current assets
€248k▲ 217%
Equity and liabilities €318k
Equity
€54k▲ 16.2%
Debt
€264k▲ 137%
The debt ratio rises from 70.6% to 83.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€19k▼
2022 · €29k
Cash flow
€11k▼
2022 · €20k
Solvency
17.0%▼
2022 · 29.4%
Current ratio
0.96▲
2022 · 0.70
Quick ratio
0.96▲
2022 · 0.70
Debt / equity
4.89▲
2022 · 2.40
ROE
-25.5%▼
2022 · 12.6%
ROA
-4.3%▼
2022 · 3.7%
Interest coverage
2.36▼
2022 · 4.78
Debt
€264k▲
2022 · €111k
Debt ≤ 1 year
€259k▲
2022 · €111k
Income taxes
€59▼
2022 · €3k
Staff costs
€248k▲
2022 · €163k
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 · 2024 against 2022
Balance sheet
Code20222024
Assets
Total assets20/58€158k€318k▲
Fixed assets21/28€80k€70k▼
Tangible fixed assets22/27€73k€63k▼
Land and buildings22€15k€18k▲
Plant, machinery and equipment23€26k€20k▼
Furniture and vehicles24€31k€25k▼
Financial fixed assets28€7k€7k=
Current assets29/58€78k€248k▲
Amounts receivable after more than one year29€34k€47k▲
Trade receivables290€34k€47k▲
Amounts receivable within one year40/41€5k€8k▲
Trade receivables40€1k€2k▲
Other amounts receivable41€4k€6k▲
Cash at bank and in hand54/58€39k€194k▲
Equity and liabilities
Total equity and liabilities10/49€158k€318k▲
Equity10/15€46k€54k▲
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€19k€19k=
Uncalled capital101€12k€12k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€38k€46k▲
Amounts payable17/49€111k€264k▲
Amounts payable within one year42/48€111k€259k▲
Current portion of amounts payable after more than one year42€10k€4k▼
Trade debts44€91k€187k▲
Suppliers440/4€91k€187k▲
Taxes, remuneration and social security45€10k€68k▲
Taxes450/3€9k€7k▼
Remuneration and social security454/9€870€62k▲
Accrued charges and deferred income492/3€239€5k▲
Income statement
Code20222024
Remuneration, social security and pensions62€163k€248k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€24k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€194k€270k▲
Operating profit (loss)9901€15k€-6k▼
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€6k€8k▲
Recurring financial charges65€6k€8k▲
Profit (loss) for the period before taxes9903€9k€-14k▼
Income taxes67/77€3k€59▼
Profit (loss) for the period9904€6k€-14k▼
Profit (loss) for the period to be appropriated9905€6k€-14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€38k€46k▲
Profit (loss) brought forward from the previous period14P€33k€60k▲
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
2025
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 90 days late
2024
31-12
Financial
Weakest financial yearnet €-14k ▼335%
Net result drops to €-14k, the lowest in the series.
2023
15-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 137 days late
2022
06-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 67 days late
2021
31-12
Financial
Highest result since 2019net €17k ▲68.4%
Operating result €28k, net result €17k, both a record.
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 87 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 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 2020
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.
Sint-Bernardsesteenweg 3502020 AntwerpenGround area
259 m²
Building footprint
259 m²
Volume, LiDAR
2,086 m³
Parcel 11809I2494/00K009, Flanders · tallest building 14.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Sint-Bernardsesteenweg 350, 2020 Antwerpen
since 20202.304.286.270
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11809I2494/00K009 | Flanders | 258 m² | 1 · 258 m² | 14.9 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.304.286.270
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Of 465 companies in sector 47230 we hold annual accounts for 269. 215 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-06-2018
Fiscal year end31-12
Activities, NACEBEL
47230Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.