MMS & CO

Active

Private limited company (pre-2019)founded 201411 yrs activeHouba de Strooperlaan 290, 1020 Brussel, BelgiumKBO/BCE: BE 0506.659.308

The computed 12-month bankruptcy probability of MMS & CO is 1.6% (moderate). The 2024 annual accounts show equity of €30k and a net result of €17k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 37% of 26056 sector peers (fiscal year 2024). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

76 / 100

Excellent▼ -8 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability77▼-5

Solvency27▲+5

Growth85=

Stability100

Bankruptcy probability, 12 months

1.6% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €3k at 30 days acceptable

Liquidity tight (current ratio 1.18 against 1.12 in 2023), and 82.4% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

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 →

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 2024

Solvency, return and age of the figures

Solvency

17.6%

Return on assets

10.3%

Age of the figures

20 mo

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Growing equity

Equity grew over 2022-2024. Profits are largely retained rather than distributed.

NBB · annual accounts 2024

Equity per financial year

18192021222324

2018 to 2024 · latest year €30k

Filed more than 90 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 03-11-2025, 95 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

NBB · 8 filings

Deviation from the deadline

2025

not confirmed

2024

95 d late

2023

76 d late

2022

190 d late

2021

2 d late

2020

97 d late

2019

2 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Turnover

€197k▼ 24.5%

2023 · €261k

2018: €71k 2019: €34k 2020: €3k 2021: €42k 2023: €261k

2018 → 2024

EBIT margin

12.0%▼ 0.7pp

2023 · 12.7%

2018: 4.8% 2019: -1.0% 2020: -478.9% 2021: 23.7% 2023: 12.7%

2018 → 2024

Net result

€17k▼ 40.4%

2023 · €29k

2018: €3k 2019: €-354 2020: €-14k 2021: €10k 2022: €9k 2023: €29k

2018 → 2024

Working capital

€25k▲ 146%

2023 · €10k

2018: €-7k 2019: €-7k 2020: €-21k 2021: €-11k 2022: €-2k 2023: €10k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Turnover€3k-€42k▲ 1,310%€261k€197k▼ 24.5%

Equity€-19k-€-9k▲ 52.9%€330€12k▲ 3,638%€30k▲ 141%

Operating result€-14k-€10k€9k▼ 7.0%€33k▲ 256%€24k▼ 29.0%

Net result€-14k-€10k€9k▼ 7.6%€29k▲ 214%€17k▼ 40.4%

Result per fiscal year

Operating resultNet result

The operating result falls in 2024; 2024 is 29% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €169k

97.5%

Fixed assets €4k▲ 113%

Current assets €165k▲ 73.6%

Equity and liabilities €169k

17.6%

82.4%

Equity €30k▲ 141%

Debt €139k▲ 64.8%

The debt ratio falls from 87.3% to 82.4%: equity grows faster than debt.

Key figures and ratios

2024 value · change against 2023

EBITDA

€24k▼

2023 · €34k

Cash flow

€18k▼

2023 · €30k

Solvency

17.6%▲

2023 · 12.7%

Current ratio

1.18▲

2023 · 1.12

Quick ratio

1.18▲

2023 · 1.12

Debt / equity

4.69▼

2023 · 6.85

ROE

58.4%▼

2023 · 235.8%

ROA

10.3%▼

2023 · 30.0%

Interest coverage

301.48▼

2023 · 522.69

Debt

€139k▲

2023 · €84k

Debt ≤ 1 year

€139k▲

2023 · €84k

Income taxes

€6k▲

2023 · €4k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€97k€169k▲

Fixed assets21/28€2k€4k▲

Tangible fixed assets22/27-€2k

Furniture and vehicles24-€2k

Financial fixed assets28€2k€2k=

Current assets29/58€95k€165k▲

Amounts receivable within one year40/41€90k€147k▲

Trade receivables40€79k€139k▲

Other amounts receivable41€12k€8k▼

Cash at bank and in hand54/58€4k€18k▲

Equity and liabilities

Total equity and liabilities10/49€97k€169k▲

Equity10/15€12k€30k▲

Contributions10/11€6k€6k=

Capital10€6k€6k=

Issued capital100€19k€19k=

Uncalled capital101€12k€12k=

Reserves13€60€2k▲

Non-distributable reserves130/1€60€2k▲

Reserves not available under the articles1311€60€2k▲

Profit (loss) carried forward14€6k€22k▲

Amounts payable17/49€84k€139k▲

Amounts payable within one year42/48€84k€139k▲

Financial debts43€3k€3k=

Credit institutions430/8€3k€3k=

Trade debts44€40k€78k▲

Suppliers440/4€40k€78k▲

Taxes, remuneration and social security45€4k€20k▲

Taxes450/3€4k€12k▲

Remuneration and social security454/9-€8k

Other amounts payable47/48€38k€38k=

Income statement Code20232024

Turnover70€261k€197k▼

Goods, raw materials, services and sundry goods60/61€225k€172k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€750€750=

Other operating charges640/8€2k€318▼

Gross operating margin9900€36k€25k▼

Operating profit (loss)9901€33k€24k▼

Financial charges65/66B€65€81▲

Recurring financial charges65€65€81▲

Profit (loss) for the period before taxes9903€33k€23k▼

Income taxes67/77€4k€6k▲

Profit (loss) for the period9904€29k€17k▼

Profit (loss) for the period to be appropriated9905€29k€17k▼

Appropriation of the result

Profit (loss) to be appropriated9906€23k€23k▲

Profit (loss) brought forward from the previous period14P€-6k€6k▲

Transfer to equity691/2-€2k

To the legal reserve6920-€2k

Profit to be distributed694/7€17k-

Directors or managers695€17k-

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 11Financial 3Filings 8

2025

03-11

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 95 days late

2024

15-10

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 76 days late

06-02

NBB filing Annual accounts filed

fiscal year 2022 · full schema · 190 days late

2023

31-12

Financial Highest result since 2018net €29k ▲214%

Operating result €33k, net result €29k, both a record.

2022

02-08

NBB filing Annual accounts filed

fiscal year 2021 · full schema · 2 days late

2021

31-12

Financial Back to profitnet €10k

Net result €10k after 2 loss-making years.

05-11

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 97 days late

2020

31-12

Financial Weakest financial yearnet €-14k

Net result drops to €-14k, the lowest in the series; recovery starts the following year.

29-07

NBB filing Annual accounts filed

fiscal year 2019 · full schema

29-07

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 729 days late

23-01

NBB filing Annual accounts filed

fiscal year 2018 · full schema · 176 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 director, no change since 2025

EL MASLOUHI Meryem

Director · since 01-07-2025

Current

01-07-2025 Appointed as Director

Location & real-estate footprint

Registered office, Brussel · 1 establishment unit since 2015

establishment The establishment unit on the map

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.

Houba de Strooperlaan 2901020 Brussel

Ground area

341 m²

Building footprint

308 m²

Volume, LiDAR

3,263 m³

2 parcels, Brussels · tallest building 21.2 m, ±5 floors. Linked by address, not a title deed.

1 establishment unit

Leopold II laan 127, 1080 Sint-Jans-MolenbeekAgents in the wholesale of textiles, clothing, fur, footwear and leather goods

since 20152.237.945.792

2 parcels

Brussels 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21816G0105/00W002	Brussels	261 m²	1 · 240 m²	21.2 m · 1 fl.
21012A0121/00T004	Brussels	79 m²	1 · 68 m²	17.3 m · 5 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels 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

Sint-Agatha-Berchem · Eq €31k

Jemeppe-sur-Sambre · Eq €28k

Of 273 companies in sector 47519 we hold annual accounts for 128. 108 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company (pre-2019)

Founded09-12-2014

Fiscal year end31-12

Activities, NACEBEL

47519Retail trade

46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods

Sources

Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers

Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.