MMI CHAPES
ActiveSummary
The computed 12-month bankruptcy probability of MMI CHAPES is 3.6% (moderate). The annual accounts of MMI CHAPES for fiscal year 2025 show a net loss of 69% of the equity at the start of that year. The 2025 annual accounts show equity of €5k and a net result of €-10k. Its solvency ranks better than 15% of 27786 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
27
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability3▼-91
Solvency36▼-19
Growth32
Track record82
Bankruptcy probability, 12 months
3.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.58 against 0.61 in 2024; short-term debt: 88.8% and cash: 11% of total assets), and 88.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
11.2%
Return on assets
-24.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 27786 sector peers (2025).
NBB · sector comparisonPosition among 27786 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 2 filingsDeviation from the deadline
2025
27 d late
2024
29 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€5k▼ 69.0%
2024 · €15k
2024: €15k
2024 → 2025
Total assets
€41k▼ 16.7%
2024 · €49k
2024: €49k
2024 → 2025
Net result
€-10k
2024 · €10k
2024: €10k
2024 → 2025
Working capital
€-15k▼ 15.4%
2024 · €-13k
2024: €-13k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€15k-€5k▼ 69.0%
Operating result€13k-€-8k
Net result€10k-€-10k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8k after €13k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €41k
Fixed assets
€20k ▼ 29.2%
Current assets
€21k ▼ 0.1%
Equity and liabilities €41k
Equity
€5k ▼ 69.0%
Debt
€36k ▲ 5.8%
Debt's share of the balance-sheet total rises from 69.9% to 88.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€618▼
2024 · €18k
Cash flow
€-1k▼
2024 · €14k
Current ratio
0.58▼
2024 · 0.61
Debt to equity
7.93▲
2024 · 2.32
ROE
-222.3%▼
2024 · 66.0%
ROA
-24.9%▼
2024 · 19.8%
Interest coverage
0.40▼
2024 · 386.97
Debt ≤ 1 year
€36k▲
2024 · €34k
Income taxes
€483▼
2024 · €3k
Staff costs
€43k▲
2024 · €11k
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€49k€41k▼
Fixed assets21/28€28k€20k▼
Tangible fixed assets22/27€28k€20k▼
Plant, machinery and equipment23€22k€16k▼
Furniture and vehicles24€6k€4k▼
Current assets29/58€21k€21k▼
Amounts receivable within one year40/41€11k€13k▲
Trade receivables40€10k€13k▲
Other amounts receivable41€1k€593▼
Cash at bank and in hand54/58€6k€4k▼
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€49k€41k▼
Equity10/15€15k€5k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€10k€-438▼
Amounts payable17/49€34k€36k▲
Amounts payable within one year42/48€34k€36k▲
Trade debts44€238€4k▲
Suppliers440/4€238€4k▲
Taxes, remuneration and social security45€9k€10k▲
Taxes450/3€5k€1k▼
Remuneration and social security454/9€4k€9k▲
Other amounts payable47/48€25k€22k▼
Accrued charges and deferred income492/3€24€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€11k€43k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€9k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€31k€46k▲
Operating profit (loss)9901€13k€-8k▼
Financial income75/76B€3€0▼
Recurring financial income75€3€0▼
Financial charges65/66B€46€2k▲
Recurring financial charges65€46€2k▲
Profit (loss) for the period before taxes9903€13k€-10k▼
Income taxes67/77€3k€483▼
Profit (loss) for the period9904€10k€-10k▼
Profit (loss) for the period to be appropriated9905€10k€-10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€-438▼
Profit (loss) brought forward from the previous period14P-€10k
The notes to these accounts (5 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
NBB filing
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Crisnée · 1 establishment unit since 2024
Ground area
450 m²
Building footprint
105 m²
Volume, LiDAR
364 m³
Parcel 64021A0527/00C000, Wallonia · tallest building 3.8 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
MMI CHAPES
since 20242.361.438.769
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64021A0527/00C000 | Wallonia | 450 m² | 1 · 105 m² | 3.8 m · 1 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
DSA RENOV'
BE 0688.969.224
Herstal · Eq €4,597
ALGEMENE CHAPEWERKEN NEYENS
BE 0865.742.618
Antwerpen · Eq €4,598
LM CARRELAGE
BE 0561.957.919
Seraing · Eq €4,460
JB-Betonvloeren
BE 0805.333.392
Sint-Gillis-Waas · Eq €4,748
D.G.SURFACE DESIGN
BE 0647.623.864
Comblain-au-Pont · Eq €4,834
Of 751 companies in sector 43422 we hold annual accounts for 424. 142 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
Founded23-05-2024
Fiscal year end31-12
Activities, NACEBEL 2025
43422Screed work
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.