Financials
- Fiscal year
- 2025
- Total assets
- €129,974
- Loss
- -€29,135
- Solvency
- -20.1%
MIYO
ActiveSummary
The computed 12-month bankruptcy probability of MIYO is 2.9% (moderate). The 2025 annual accounts show negative equity (-€26,135) and a net result of -€29,135. Its solvency ranks better than 16% of 21069 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Retail sale of bread and pastry (bakery outlets)
NACE 47241
1 site
Size
€129,974total assets 2025
- Equity
- -€26,135
- Loss
- -€29,135
Turnover not published (abridged schema)
Structure
Accounts filed 28 d late0 of 1 deed read
Why 50- Liquidity: current ratio 0.05- Sector Retail trade (NACE 47)- Negative equity -€26,135+ Size: total assets €129,974Show the evidence
Checked score
Score 2025
50
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 36% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength
Weak
Solvency
5
equity -20.1% of total assets
Liquidity
87
short-term debt 20.0%
Profitability
0
return on assets -22.4%
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
- Liquidity: current ratio 0.05 raises the probability
- Size: total assets €129,974 lowers the probability for this profile
- Sector Retail trade (NACE 47) raises the probability
- Negative equity -€26,135 raises the probability
No credit on open account
Liquidity short (current ratio 0.05; short-term debt: 20% of total assets), and equity is negative.
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 47, micro). Better than this share of them on solvency 14%, liquidity 89%, profitability 6%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. 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
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
Founded in 2025, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
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 · 1 filingDeviation from the deadline
2025
28 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
- 28-08-2026Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Retail sale of bread and pastry (bakery outlets)NACE 47241
- Founded
- 19-08-2025
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark Roughly what is this company worth?Value indication
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.