MirFinances

Active

Private limited companyfounded 20232 yrs activeRue du Moulin,Dion-V. 31, 1325 Chaumont-Gistoux, BelgiumKBO/BCE: BE 1002.222.113

Summary

MirFinances has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.7m and a net result of €169,062. Equity is growing by ~33.5% per year across the filed fiscal years. Its solvency ranks better than 43% of 3638 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch Report Compare

MirFinancesActiveChecked score 93/100

Risk analysis Report Compare

Activity

Certified accountants and tax accountants

NACE 69201Legal and accounting activities NACE 69202

#4 company by total assets in Chaumont-Gistoux, Professional and technical services sector2 sites

Size

€4.6mtotal assets 2025

Equity: €1.7m
Profit: €169,062

Financial health

93 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.1%

Structure

Holdings: 10

Accounts filed 31 d late0 of 3 deeds read

Why 93- Liquidity: current ratio 1.00, cash €46,609+ Sector Legal and accounting activities (NACE 69)+ Size: total assets €4.6m+ Figures for FY 2025 (filed 31-08-2026)Show the evidence

Checked score

Score 2025

93 / 100

Excellent

Probability in this band: under 0.55%

Better than 43% of its sector peers (NACE 69, small)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Average

Solvency 62+2

equity 36.6% of total assets

Liquidity 48=

short-term debt 14.9% · cash 1.0%

Profitability 49-28

return on assets 3.6%

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (1,473 companies)

Last 8 months 03-2026: 0.2% 04-2026: 0.2%▲ +6.3% vs 03-2026 05-2026: 0.2%▲ +5.1% vs 04-2026 06-2026: 0.3%▲ +9.3% vs 05-2026 07-2026: 0.3%▲ +5.5% vs 06-2026 08-2026: 0.5%▲ +72.4% vs 07-2026highest value 09-2026: 0.1%▼ -80.9% vs 08-2026lowest value 10-2026: 0.1%● 0.0% vs 09-2026lowest value

Sector Legal and accounting activities (NACE 69) lowers the probability
Liquidity: current ratio 1.00, cash €46,609 raises the probability
Size: total assets €4.6m lowers the probability for this profile
Figures for FY 2025 (filed 31-08-2026) lowers the probability

Credit up to €150,000 at 30 days only on tighter terms

Liquidity short (current ratio 1.0 against 1.49 in 2024; short-term debt: 14.9% and cash: 1% of total assets), and 63.4% 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 69, small). Better than this share of them on solvency 41%, liquidity 29%, profitability 12%, growth against the median 88%. 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.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Sector Legal and accounting activities (NACE 69)

In the bankruptcy model this factor lowers the probability.

KBO

Liquidity: current ratio 1.00, cash €46,609

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Size: total assets €4.6m

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Figures for FY 2025 (filed 31-08-2026)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Young company

Founded in 2023, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.

KBO · incorporation date

Age against the risk zone

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 3 filings

Deviation from the deadline

2025

31 d late

2024

59 d late

2023

31 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 20 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)

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 (3 of the last 3 filed years within 61 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

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

31-08-26 Annual accounts filedfiscal year 2025 · abbreviated…
28-09-25 Annual accounts filedfiscal year 2024 · full…
31-12-24 Back to profitnet €220,642

Key points

Positive: Among the best 13% on equitysector median €277,004 · 3,638 companies €1.7m View
Heads a groupcompanies controlled 12 View
Positive: Equity rose in 2025from €1.1m to €1.7m ▲ 47.8% View