MM RETAIL
ActiveMM RETAIL has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €117k and a net result of €25k. Equity is growing by ~15% per year across the filed fiscal years. Its solvency ranks better than 63% of 18173 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (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
Profitability82▼-2
Solvency75▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.94 against 1.85 in 2024; short-term debt: 50.3% and cash: 22.4% of total assets), but 50.3% 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+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 →
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
49.7%
Return on assets
10.7%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-07-2025 was due by 28-02-2026 and was filed on 28-01-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
52 d early
2023
61 d early
2022
34 d early
2021
1 d early
2020
8 d late
2019
2 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-07-2026 and is due by 28-02-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-07-2026 close19-09-2026 today28-02-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€117k▲ 4.5%
2024 · €112k
2019: €64k
2020: €52k
2021: €43k
2022: €80k
2023: €83k
2024: €112k
2019 → 2025
Total assets
€235k▼ 0.1%
2024 · €235k
2019: €179k
2020: €211k
2021: €218k
2022: €202k
2023: €198k
2024: €235k
2019 → 2025
Net result
€25k▼ 11.1%
2024 · €28k
2019: €25k
2020: €-11k
2021: €-9k
2022: €38k
2023: €3k
2024: €28k
2019 → 2025
Working capital
€111k▲ 5.7%
2024 · €105k
2019: €48k
2020: €44k
2021: €36k
2022: €72k
2023: €82k
2024: €105k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€43k-€80k▲ 86.7%€83k▲ 3.7%€112k▲ 33.8%€117k▲ 4.5%
Operating result€-9k-€46k€7k▼ 84.1%€43k▲ 484%€41k▼ 5.7%
Net result€-9k-€38k€3k▼ 92.2%€28k▲ 855%€25k▼ 11.1%
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 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €235k
Fixed assets
€6k▼ 14.0%
Current assets
€229k▲ 0.3%
Equity and liabilities €235k
Equity
€117k▲ 4.5%
Debt
€118k▼ 4.3%
The debt ratio falls from 52.5% to 50.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€43k▼
2024 · €46k
Cash flow
€27k▼
2024 · €31k
Solvency
49.7%▲
2024 · 47.5%
Current ratio
1.94▲
2024 · 1.85
Quick ratio
0.56▼
2024 · 0.78
Debt / equity
1.01▼
2024 · 1.11
ROE
21.5%▼
2024 · 25.3%
ROA
10.7%▼
2024 · 12.0%
Interest coverage
11.60▼
2024 · 15.53
Debt
€118k▼
2024 · €124k
Debt ≤ 1 year
€118k▼
2024 · €124k
Income taxes
€12k▼
2024 · €12k
Staff costs
€63k▲
2024 · €35k
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€235k€235k▼
Fixed assets21/28€7k€6k▼
Intangible fixed assets21€1k€569▼
Tangible fixed assets22/27€5k€5k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€2k€2k▲
Other tangible fixed assets26€2k€2k▼
Financial fixed assets28€113€110▼
Current assets29/58€229k€229k▲
Stocks and contracts in progress3€132k€163k▲
Stocks30/36€132k€163k▲
Amounts receivable within one year40/41€15k€11k▼
Trade receivables40€9k€7k▼
Other amounts receivable41€6k€4k▼
Cash at bank and in hand54/58€75k€53k▼
Deferred charges and accrued income490/1€8k€2k▼
Equity and liabilities
Total equity and liabilities10/49€235k€235k▼
Equity10/15€112k€117k▲
Contributions10/11€20k-
Reserves13€92k€117k▲
Tax-exempt reserves132€7k€7k=
Distributable reserves133€85k€110k▲
Amounts payable17/49€124k€118k▼
Amounts payable within one year42/48€124k€118k▼
Trade debts44€45k€38k▼
Suppliers440/4€45k€38k▼
Taxes, remuneration and social security45€36k€37k▲
Taxes450/3€24k€21k▼
Remuneration and social security454/9€12k€15k▲
Other amounts payable47/48€43k€44k▲
Income statement
Code20242025
Remuneration, social security and pensions62€35k€63k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€82k€107k▲
Operating profit (loss)9901€43k€41k▼
Financial income75/76B€370€213▼
Recurring financial income75€370€213▼
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€41k€37k▼
Income taxes67/77€12k€12k▼
Profit (loss) for the period9904€28k€25k▼
Profit (loss) for the period to be appropriated9905€28k€25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€28k€25k▼
Transfer to equity691/2€28k€25k▼
To other reserves6921€28k€25k▼
The notes to these accounts (9 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
28-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
07-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
Financial
Equity above €100kEq €112k ▲33.8%
3 profitable years in a row build equity to €112k.
2023
30-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
25-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-07
Financial
Back to profitnet €38k
Net result €38k after 2 loss-making years.
27-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 8 days late
2020
31-07
Financial
Weakest financial yearnet €-11k ▼146%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
02-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 2 days late
2019
11-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Gent · 1 establishment unit since 2008
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.
Korte Meer 279000 GentGround area
221 m²
Building footprint
221 m²
Volume, LiDAR
2,689 m³
Parcel 44803C1049/00C000, Flanders · tallest building 14.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
MM RETAIL
since 20082.166.568.739
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44803C1049/00C000 | Flanders | 221 m² | 1 · 221 m² | 14.8 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.
Similar companies · same sector, comparable size
ODILLE
BE 0808.557.257
Torhout · Eq €115k
PIMPERNELLEKE
BE 0839.459.279
Dendermonde · Eq €114k
STUDIO MONSO
BE 0466.214.464
Maasmechelen · Eq €108k
LIFF
BE 0842.266.044
Hasselt · Eq €107k
Mamado puur mama
BE 0782.575.511
Roeselare · Eq €106k
Of 505 companies in sector 47713 we hold annual accounts for 197. 151 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-09-2007
Fiscal year end31-07
Activities, NACEBEL
47713Retail trade
52424
47554Retail trade
47640Retail sale of games and toys
47650Retail trade
52489
52493
68310Real estate agency activities
68311Real estate activities
70311
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.