MMSB
ActiveThe computed 12-month bankruptcy probability of MMSB is 3.7% (moderate). The 2025 annual accounts show negative equity (€-3k) and a net result of €5k. Equity is growing by ~75.9% per year across the filed fiscal years. Its solvency ranks better than 16% of 11151 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
8
/ 100
Critical▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency35▲+2
Growth78=
Stability94
Bankruptcy probability, 12 months
3.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.59 against 0.45 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
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
-15%
Return on assets
32.1%
Age of the figures
8 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 11151 sector peers (2025).
NBB · sector comparisonPosition among 11151 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-06-2026, 59 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
59 d early
2024
17 d early
2023
30 d early
← before the deadline
after the deadline →
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
11-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-3k▲ 68.1%
2024 · €-8k
2023: €-15k
2024: €-8k
2023 → 2025
Total assets
€17k▼ 5.1%
2024 · €18k
2023: €22k
2024: €18k
2023 → 2025
Net result
€5k▼ 18.8%
2024 · €7k
2023: €-19k
2024: €7k
2023 → 2025
Working capital
€-8k▲ 43.2%
2024 · €-14k
2023: €-15k
2024: €-14k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€-15k-€-8k▲ 45.6%€-3k▲ 68.1%
Operating result€-19k-€7k€6k▼ 17.0%
Net result€-19k-€7k€5k▼ 18.8%
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 17% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €17k
Fixed assets
€5k▼ 11.1%
Current assets
€11k▼ 1.9%
Key figures and ratios
EBITDA
€6k▼
2024 · €8k
Cash flow
€6k▼
2024 · €7k
Solvency
-15.0%▲
2024 · -44.7%
Current ratio
0.59▲
2024 · 0.45
Quick ratio
0.05▲
2024 · 0.04
Debt / equity
-7.65▼
2024 · -3.24
ROE
-213.1%▼
2024 · -83.8%
ROA
32.1%▼
2024 · 37.5%
Interest coverage
22.93▼
2024 · 39.48
Debt
€19k▼
2024 · €26k
Debt ≤ 1 year
€19k▼
2024 · €26k
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€18k€17k▼
Fixed assets21/28€6k€5k▼
Tangible fixed assets22/27€6k€5k▼
Plant, machinery and equipment23€6k€5k▼
Current assets29/58€12k€11k▼
Stocks and contracts in progress3€10k€10k=
Stocks30/36€10k€10k=
Amounts receivable within one year40/41€984€779▼
Trade receivables40€984€779▼
Cash at bank and in hand54/58€164€154▼
Equity and liabilities
Total equity and liabilities10/49€18k€17k▼
Equity10/15€-8k€-3k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€-14k€-9k▲
Amounts payable17/49€26k€19k▼
Amounts payable within one year42/48€26k€19k▼
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€198€69▼
Taxes450/3€198€69▼
Other amounts payable47/48€23k€18k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€685€685=
Other operating charges640/8€340-
Gross operating margin9900€8k€6k▼
Operating profit (loss)9901€7k€6k▼
Financial charges65/66B€191€278▲
Recurring financial charges65€191€278▲
Profit (loss) for the period before taxes9903€7k€5k▼
Profit (loss) for the period9904€7k€5k▼
Profit (loss) for the period to be appropriated9905€7k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-14k€-9k▲
Profit (loss) brought forward from the previous period14P€-21k€-14k▲
The notes to these accounts (4 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
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Schaarbeek · 1 establishment unit since 2022
Ground area
192 m²
Building footprint
112 m²
Volume, LiDAR
1,457 m³
Parcel 21902A0328/00R000, Brussels · tallest building 16.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
MD CREATIONS
since 20222.331.866.142
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21902A0328/00R000 | Brussels | 192 m² | 1 · 112 m² | 16.6 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 and region
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We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 4,407 companies in sector 46180 we hold annual accounts for 1,875.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-06-2022
Fiscal year end31-12
Activities, NACEBEL
46180Agents specialised in the wholesale of other particular products
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
46431Wholesale of electrical household appliances and audio-video equipment
46450Wholesale of perfume and cosmetics
47120Other non-specialised retail sale
47910Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.