MISZCO
ActiveMISZCO has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €501k and a net result of €43k. Equity is growing by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 37% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-7
Solvency65▼-11
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity tight (current ratio 1.22 against 2.23 in 2024; short-term debt: 23.6% and cash: 3.3% of total assets), and 60.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
39.6%
Return on assets
3.4%
Age of the figures
9 mo
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
21 d early
2023
37 d early
2022
31 d late
2021
44 d early
2020
15 d early
2019
45 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€501k▼ 24.4%
2024 · €663k
2018: €350k
2019: €409k
2020: €492k
2021: €550k
2022: €554k
2023: €601k
2024: €663k
2018 → 2025
Total assets
€1.27M▼ 3.3%
2024 · €1.31M
2018: €645k
2019: €681k
2020: €833k
2021: €948k
2022: €1.22M
2023: €1.33M
2024: €1.31M
2018 → 2025
Net result
€43k▼ 64.5%
2024 · €121k
2018: €52k
2019: €59k
2020: €82k
2021: €58k
2022: €64k
2023: €100k
2024: €121k
2018 → 2025
Working capital
€66k▼ 64.5%
2024 · €186k
2018: €26k
2019: €91k
2020: €109k
2021: €161k
2022: €124k
2023: €157k
2024: €186k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€550k-€554k▲ 0.7%€601k▲ 8.6%€663k▲ 10.2%€501k▼ 24.4%
Operating result€84k-€96k▲ 13.9%€151k▲ 57.1%€176k▲ 16.5%€83k▼ 53.0%
Net result€58k-€64k▲ 10.1%€100k▲ 55.5%€121k▲ 20.9%€43k▼ 64.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 53% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.27M
Fixed assets
€901k▼ 7.3%
Current assets
€364k▲ 8.1%
Equity and liabilities €1.27M
Equity
€501k▼ 24.4%
Provisions
€31k
Debt
€733k▲ 13.5%
The debt ratio rises from 49.3% to 57.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€161k▼
2024 · €250k
Cash flow
€121k▼
2024 · €195k
Solvency
39.6%▼
2024 · 50.7%
Current ratio
1.22▼
2024 · 2.23
Quick ratio
1.22▼
2024 · 2.23
Debt / equity
1.46▲
2024 · 0.97
ROE
8.5%▼
2024 · 18.2%
ROA
3.4%▼
2024 · 9.2%
Interest coverage
12.61▼
2024 · 17.71
Debt
€733k▲
2024 · €646k
Debt ≤ 1 year
€298k▲
2024 · €151k
Debt > 1 year
€435k▼
2024 · €495k
Income taxes
€35k▼
2024 · €48k
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€1.31M€1.27M▼
Fixed assets21/28€972k€901k▼
Tangible fixed assets22/27€972k€901k▼
Land and buildings22€792k€753k▼
Plant, machinery and equipment23€104k€96k▼
Furniture and vehicles24€77k€52k▼
Current assets29/58€337k€364k▲
Amounts receivable after more than one year29€200k€200k=
Other amounts receivable291€200k€200k=
Amounts receivable within one year40/41€129k€121k▼
Trade receivables40€52k€57k▲
Other amounts receivable41€77k€64k▼
Cash at bank and in hand54/58€7k€42k▲
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€1.31M€1.27M▼
Equity10/15€663k€501k▼
Contributions10/11€25k€25k=
Reserves13€638k€476k▼
Distributable reserves133€638k€476k▼
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16-€31k
Provisions for liabilities and charges160/5-€31k
Other liabilities and charges164/5-€31k
Amounts payable17/49€646k€733k▲
Amounts payable after more than one year17€495k€435k▼
Financial debts170/4€495k€435k▼
Amounts payable within one year42/48€151k€298k▲
Current portion of amounts payable after more than one year42€59k€69k▲
Trade debts44€6k€463▼
Suppliers440/4€6k€463▼
Taxes, remuneration and social security45€27k€24k▼
Taxes450/3€25k€24k▼
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€59k€205k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€16k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€74k€79k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8-€31k
Other operating charges640/8€5k€5k▲
Gross operating margin9900€255k€197k▼
Operating profit (loss)9901€176k€83k▼
Financial income75/76B€7k€8k▲
Recurring financial income75€7k€8k▲
Financial charges65/66B€14k€13k▼
Recurring financial charges65€14k€13k▼
Profit (loss) for the period before taxes9903€168k€78k▼
Income taxes67/77€48k€35k▼
Profit (loss) for the period9904€121k€43k▼
Profit (loss) for the period to be appropriated9905€121k€43k▼
Appropriation of the result
Profit (loss) to be appropriated9906€121k€43k▼
Transfer from equity791/2€59k€205k▲
Transfer to equity691/2€121k€43k▼
To other reserves6921€121k€43k▼
Profit to be distributed694/7€59k€205k▲
Return on contributions (dividend)694€59k€205k▲
The notes to these accounts (19 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €43k ▼64.5%
Net result drops to €43k, the lowest in the series.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €121k ▲20.9%
Operating result €176k, net result €121k, both a record.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €500kEq €550k ▲11.9%
4 profitable years in a row build equity to €550k.
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
14-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 45 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 3.20
Current ratio from 1.47 to 3.20; short-term debt falls from €55k to €42k.
10-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 71 days late
2018
14-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sint-Martens-Latem · 1 establishment unit since 2007
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.
Hooglatemweg 329830 Sint-Martens-LatemGround area
1,876 m²
Building footprint
254 m²
Volume, LiDAR
1,323 m³
Parcel 44064B0084/00C002, Flanders · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Hooglatemweg 32, 9830 Sint-Martens-Latem
since 20072.162.501.469
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44064B0084/00C002 | Flanders | 1,876 m² | 1 · 253 m² | 6.7 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.
Recognitions · licences · registrations
Legal Entity Identifier
984500T14S902EF8A830
Similar companies · same sector, comparable size
PENTERACT INVEST
BE 0778.411.439
Oudergem · Eq €501k
MERCANTILE en LEGAL CONSULTANTS INTERNATIONAL
BE 0464.037.211
Schilde · Eq €501k
CHARIS CONSULTING
BE 0466.863.176
Buggenhout · Eq €501k
N²MC
BE 0833.365.107
Gent · Eq €501k
Logibel en-of Belgische Logistiek
BE 0402.122.606
Boom · Eq €501k
Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 34,602 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-04-2007
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 19 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.