MIVID
ActiveSummary
The computed 12-month bankruptcy probability of MIVID is 4.2% (elevated). The 2025 annual accounts show equity of €29k and a net result of €14k. Equity is growing by ~62.1% per year across the filed fiscal years. Its solvency ranks better than 52% of 13305 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▲+20
Solvency58▲+10
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
4.2%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.29 against 0.98 in 2024; short-term debt: 52.1% and cash: 27.3% of total assets), and 67% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
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
33%
Return on assets
16.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 filingsDeviation from the deadline
2025
28 d late
2024
60 d late
2023
78 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€29k▲ 97.4%
2024 · €15k
2023: €11k
2024: €15k
2023 → 2025
Total assets
€87k▲ 40.3%
2024 · €62k
2023: €39k
2024: €62k
2023 → 2025
Net result
€14k▲ 264%
2024 · €4k
2023: €5k
2024: €4k
2023 → 2025
Working capital
€13k
2024 · €-507
2023: €3k
2024: €-507
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€11k-€15k▲ 36.5%€29k▲ 97.4%
Operating result€7k-€7k▲ 8.8%€21k▲ 182%
Net result€5k-€4k▼ 16.8%€14k▲ 264%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 182% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €87k
Fixed assets
€28k ▼ 13.0%
Current assets
€59k ▲ 99.2%
Equity and liabilities €87k
Equity
€29k ▲ 97.4%
Debt
€58k ▲ 22.8%
Debt's share of the balance-sheet total falls from 76.5% to 67.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€27k▲
2024 · €8k
Cash flow
€20k▲
2024 · €5k
Current ratio
1.29▲
2024 · 0.98
Quick ratio
0.85▼
2024 · 0.98
Debt to equity
2.03▼
2024 · 3.26
ROE
49.3%▲
2024 · 26.7%
ROA
16.3%▲
2024 · 6.3%
Interest coverage
11.51▲
2024 · 5.13
Debt ≤ 1 year
€45k▲
2024 · €30k
Debt > 1 year
€13k▼
2024 · €18k
Income taxes
€5k▲
2024 · €2k
Staff costs
€55k▲
2024 · €54k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€62k€87k▲
Fixed assets21/28€33k€28k▼
Tangible fixed assets22/27€25k€20k▼
Furniture and vehicles24€25k€20k▼
Other tangible fixed assets26-€880
Financial fixed assets28€8k€8k=
Current assets29/58€30k€59k▲
Stocks and contracts in progress3-€20k
Stocks30/36-€20k
Amounts receivable within one year40/41€8k€15k▲
Trade receivables40€249€568▲
Other amounts receivable41€8k€14k▲
Cash at bank and in hand54/58€21k€24k▲
Equity and liabilities
Total equity and liabilities10/49€62k€87k▲
Equity10/15€15k€29k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€9k€23k▲
Amounts payable17/49€48k€58k▲
Amounts payable after more than one year17€18k€13k▼
Financial debts170/4€18k€13k▼
Amounts payable within one year42/48€30k€45k▲
Current portion of amounts payable after more than one year42€5k€5k=
Trade debts44€7k€17k▲
Suppliers440/4€7k€17k▲
Advances received on contracts in progress46-€4k
Taxes, remuneration and social security45€12k€18k▲
Taxes450/3€6k€11k▲
Remuneration and social security454/9€6k€6k▲
Other amounts payable47/48€6k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€54k€55k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€868€6k▲
Other operating charges640/8€5k€10k▲
Gross operating margin9900€67k€92k▲
Operating profit (loss)9901€7k€21k▲
Financial income75/76B€10€13▲
Recurring financial income75€10€13▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€6k€19k▲
Income taxes67/77€2k€5k▲
Profit (loss) for the period9904€4k€14k▲
Profit (loss) for the period to be appropriated9905€4k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€23k▲
Profit (loss) brought forward from the previous period14P€5k€9k▲
The notes to these accounts (7 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Highest result since 2023net €14k ▲264%
Operating result €21k, net result €14k, both a record.
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial
Weakest financial yearnet €4k ▼16.8%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
17-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 78 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
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, Saint-Ghislain · 1 establishment unit since 2023
Ground area
269 m²
Building footprint
97 m²
Volume, LiDAR
1,148 m³
Parcel 53070B0598/00H007, Wallonia · tallest building 13.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Le Passé Simple
since 20232.340.308.508
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53070B0598/00H007 | Wallonia | 269 m² | 1 · 97 m² | 13.8 m · 4 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
Food safety, FASFC
1 siteSaint-Ghislain2.340.308.508
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Of 14,009 companies in sector 56301 we hold annual accounts for 4,892. 4,092 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-2022
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:ougrineadonia8@gmail.com
Phone:+32472270764