MMSTORE
ActiveSummary
MMSTORE has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €371,535 and a net result of €296,227. Equity is shrinking by ~22.4% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability93▲+1
Solvency59▼-1
Growth50=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
Liquidity tight (current ratio 1.29 against 1.13 in 2023; short-term debt: 58% and cash: 41.7% of total assets), and 65.5% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five 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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
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 26-06-2026, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
35 d early
2024
9 d early
2023
36 d early
2022
12 d early
2021
12 d early
2020
32 d early
2019
14 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 21 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
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. Usually files around 19 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, full schema, 2025 accounts filed, figures not processed yet
Turnover
€3.0m▼ 1.3%
2023 · €3.0m
EBIT margin
12.4%▲ 0.6pp
2023 · 11.8%
Net result
€296,227▲ 3.4%
2023 · €286,430
Working capital
€179,188▲ 109%
2023 · €85,877
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover€2.3m▼ 24.1%€2.8m▲ 22.7%€3.1m▲ 8.4%€3.0m▼ 0.9%€3.0m▼ 1.3%
Operating result€137,724▼ 60.6%€376,612▲ 173%€468,832▲ 24.5%€356,489▼ 24.0%€369,399▲ 3.6%
Net result€121,680above the sector's middle half▼ 56.6%€309,227above the sector's middle half▲ 154%€383,542above the sector's middle half▲ 24.0%€286,430above the sector's middle half▼ 25.3%€296,227above the sector's middle half▲ 3.4%
EBIT margin6.0%▼ 5.6pp13.4%▲ 7.4pp15.4%▲ 2.0pp11.8%▼ 3.6pp12.4%▲ 0.6pp
Equity€776,109above the sector's middle half▼ 0.4%€860,336above the sector's middle half▲ 10.9%€363,879within the sector's middle half▼ 57.7%€375,308within the sector's middle half▲ 3.1%€371,535within the sector's middle half▼ 1.0%
Total assets€1.2mwithin the sector's middle half▲ 4.8%€1.5mwithin the sector's middle half▲ 22.4%€1.2mwithin the sector's middle half▼ 22.1%€1.1mwithin the sector's middle half▼ 8.1%€1.1mwithin the sector's middle half▼ 0.2%
Debt€405,168▲ 13.5%€607,460▲ 49.9%€770,206▲ 26.8%€659,623▼ 14.4%€660,857▲ 0.2%
Working capital€745,505above the sector's middle half▲ 11.8%€864,122above the sector's middle half▲ 15.9%€24,036within the sector's middle half▼ 97.2%€85,877within the sector's middle half▲ 257%€179,188within the sector's middle half▲ 109%
Solvency63.0%above the sector's middle half▼ 3.3pp57.0%above the sector's middle half▼ 5.9pp30.9%within the sector's middle half▼ 26.1pp34.7%within the sector's middle half▲ 3.8pp34.5%within the sector's middle half▼ 0.3pp
Current ratio2.84above the sector's middle half▼ 0.032.42above the sector's middle half▼ 0.421.03within the sector's middle half▼ 1.391.13within the sector's middle half▲ 0.101.29within the sector's middle half▲ 0.16
Return on assets (ROA)9.9%within the sector's middle half▼ 14.0pp20.5%above the sector's middle half▲ 10.6pp32.6%above the sector's middle half▲ 12.1pp26.5%above the sector's middle half▼ 6.1pp27.5%above the sector's middle half▲ 1.0pp
Staff (FTE)12.5within the sector's middle half▲ 11.6%12.3within the sector's middle half▼ 1.6%11.6within the sector's middle half▼ 5.7%10.1within the sector's middle half▼ 12.9%10.3within the sector's middle half▲ 2.0%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 4% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.1m
Fixed assets
€273,560 ▼ 19.2%
Current assets
€804,563 ▲ 8.5%
Equity and liabilities €1.1m
Equity
€371,535 ▼ 1.0%
Provisions
€45,731 ▲ 0.7%
Debt
€660,857 ▲ 0.2%
Debt's share of the balance-sheet total rises from 61.1% to 61.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€434,364▲
2023 · €422,072
Cash flow
€361,191▲
2023 · €352,012
Quick ratio
0.91▲
2023 · 0.76
Debt to equity
1.78▲
2023 · 1.76
ROE
79.7%▲
2023 · 76.3%
Interest coverage
129.48▲
2023 · 60.43
Debt ≤ 1 year
€625,375▼
2023 · €655,922
Income taxes
€100,597▲
2023 · €95,476
Staff costs
€360,708▲
2023 · €360,045
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 20,134 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
4.7%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 20,134 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €2.3m | €2.8m | €3.1m | €3.0m | €3.0m | ▼ 1.3% |
| Non-recurring operating income76A | - | - | €0 | €0 | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €2.1m | €2.3m | €2.2m | €2.2m | ▼ 0.7% |
| Remuneration, social security and pensions62 | - | €348,740 | €350,258 | €360,045 | €360,708 | ▲ 0.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €82,402 | €48,056 | €28,137 | €65,583 | €64,965 | ▼ 0.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | -€141 | €3,768 | -€1,385 | -€2,837 | ▼ 105% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | -€10,284 | €777 | €3,326 | €338 | ▼ 89.8% |
| Other operating charges640/8 | - | €12,998 | €12,885 | €14,473 | €14,903 | ▲ 3.0% |
| Gross operating margin9900 | €517,488 | €775,981 | €864,658 | €798,530 | €807,476 | ▲ 1.1% |
| Operating profit (loss)9901 | €137,724 | €376,612 | €468,832 | €356,489 | €369,399 | ▲ 3.6% |
| Financial income75/76B | - | €33,628 | €42,889 | €32,402 | €30,779 | ▼ 5.0% |
| Recurring financial income75 | €29,572 | €33,628 | €42,889 | €32,402 | €30,779 | ▼ 5.0% |
| Financial charges65/66B | - | €3,248 | €3,625 | €6,985 | €3,355 | ▼ 52.0% |
| Recurring financial charges65 | €3,208 | €3,248 | €3,625 | €6,985 | €3,355 | ▼ 52.0% |
| Profit (loss) for the period before taxes9903 | €164,088 | €406,992 | €508,096 | €381,906 | €396,824 | ▲ 3.9% |
| Income taxes67/77 | €42,409 | €97,764 | €124,554 | €95,476 | €100,597 | ▲ 5.4% |
| Profit (loss) for the period9904 | €121,680 | €309,227 | €383,542 | €286,430 | €296,227 | ▲ 3.4% |
| Transfer from tax-exempt reserves789 | - | €77,500 | €71,200 | - | - | - |
| Transfer to tax-exempt reserves689 | - | €84,200 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €233,280 | €302,527 | €454,742 | €286,430 | €296,227 | ▲ 3.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.2m | €1.5m | €1.2m | €1.1m | €1.1m | ▼ 0.2% |
| Formation expenses20 | €0 | €0 | - | - | - | - |
| Fixed assets21/28 | €82,191 | €37,581 | €381,946 | €338,525 | €273,560 | ▼ 19.2% |
| Tangible fixed assets22/27 | €82,141 | €37,531 | €381,896 | €338,475 | €273,510 | ▼ 19.2% |
| Plant, machinery and equipment23 | - | €34,465 | €341,995 | €294,974 | €248,288 | ▼ 15.8% |
| Furniture and vehicles24 | - | €3,066 | €39,901 | €43,501 | €25,222 | ▼ 42.0% |
| Financial fixed assets28 | €50 | €50 | €50 | €50 | €50 | = |
| Current assets29/58 | €1.2m | €1.5m | €794,205 | €741,799 | €804,563 | ▲ 8.5% |
| Stocks and contracts in progress3 | €199,281 | €197,506 | €233,949 | €240,423 | €232,414 | ▼ 3.3% |
| Stocks30/36 | - | €197,506 | €233,949 | €240,423 | €232,414 | ▼ 3.3% |
| Amounts receivable within one year40/41 | €488,770 | €376,195 | €67,207 | €75,392 | €49,399 | ▼ 34.5% |
| Trade receivables40 | - | €54,844 | €42,363 | €74,421 | €48,404 | ▼ 35.0% |
| Other amounts receivable41 | - | €321,350 | €24,843 | €971 | €995 | ▲ 2.4% |
| Current investments50/53 | - | - | €65,744 | €65,861 | €66,179 | ▲ 0.5% |
| Cash at bank and in hand54/58 | €452,408 | €893,018 | €406,509 | €352,671 | €449,538 | ▲ 27.5% |
| Deferred charges and accrued income490/1 | - | €4,788 | €20,796 | €7,452 | €7,033 | ▼ 5.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.2m | €1.5m | €1.2m | €1.1m | €1.1m | ▼ 0.2% |
| Equity10/15 | €776,109 | €860,336 | €363,879 | €375,308 | €371,535 | ▼ 1.0% |
| Contributions10/11 | €75,000 | €75,000 | €75,000 | €75,000 | €75,000 | = |
| Capital10 | - | €75,000 | €75,000 | €75,000 | €75,000 | = |
| Issued capital100 | - | €75,000 | €75,000 | €75,000 | €75,000 | = |
| Reserves13 | €697,500 | €781,700 | €281,700 | €281,700 | €281,700 | = |
| Non-distributable reserves130/1 | - | €7,500 | €7,500 | €7,500 | €7,500 | = |
| Legal reserve130 | - | €7,500 | €7,500 | €7,500 | €7,500 | = |
| Tax-exempt reserves132 | - | €155,400 | €84,200 | €84,200 | €84,200 | = |
| Distributable reserves133 | - | €618,800 | €190,000 | €190,000 | €190,000 | = |
| Profit (loss) carried forward14 | €3,609 | €3,636 | €7,179 | €18,608 | €14,835 | ▼ 20.3% |
| Provisions and deferred taxes16 | €51,575 | €41,290 | €42,067 | €45,393 | €45,731 | ▲ 0.7% |
| Provisions for liabilities and charges160/5 | - | €41,290 | €42,067 | €45,393 | €45,731 | ▲ 0.7% |
| Environmental obligations163 | - | €41,290 | €42,067 | - | - | - |
| Other liabilities and charges164/5 | - | €0 | €0 | €45,393 | €45,731 | ▲ 0.7% |
| Amounts payable17/49 | €405,168 | €607,460 | €770,206 | €659,623 | €660,857 | ▲ 0.2% |
| Amounts payable within one year42/48 | €405,156 | €607,384 | €770,170 | €655,922 | €625,375 | ▼ 4.7% |
| Trade debts44 | €111,018 | €213,567 | €179,206 | €190,756 | €130,272 | ▼ 31.7% |
| Suppliers440/4 | - | €213,567 | €179,206 | €190,756 | €130,272 | ▼ 31.7% |
| Advances received on contracts in progress46 | - | €56,235 | €62,402 | €60,292 | €57,463 | ▼ 4.7% |
| Taxes, remuneration and social security45 | - | €112,582 | €148,562 | €129,874 | €136,725 | ▲ 5.3% |
| Taxes450/3 | - | €69,608 | €104,149 | €78,428 | €94,682 | ▲ 20.7% |
| Remuneration and social security454/9 | - | €42,975 | €44,413 | €51,446 | €42,043 | ▼ 18.3% |
| Other amounts payable47/48 | - | €225,000 | €380,000 | €275,000 | €300,915 | ▲ 9.4% |
| Accrued charges and deferred income492/3 | - | €76 | €36 | €3,701 | €35,482 | ▲ 859% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €121,680 | €309,227 | €383,542 | €286,430 | €296,227 | ▲ 3.4% |
| + Depreciation and write-downs630 | €82,402 | €48,056 | €28,137 | €65,583 | €64,965 | ▼ 0.9% |
| Operating cash flow (approximation) | €204,082 | €357,283 | €411,679 | €352,012 | €361,191 | ▲ 2.6% |
| Investment in fixed assets (approximation) | - | -€3,446 | -€372,503 | -€22,161 | €0 | ▲ 100% |
| Change in cash | - | €440,610 | -€486,509 | -€53,839 | €96,867 | ▲ 280% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €383,542 ▲24%
Operating result €468,832, net result €383,542, both a record.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €121,680 ▼56.6%
Net result drops to €121,680, the lowest in the series; recovery starts the following year.
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts
We know of 9 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
No directors read yet: 0 of 9 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Thimister-Clermont · 1 establishment unit since 2011
Ground area
5.2 ha
Building footprint
1.7 ha
Volume, LiDAR
108,730 m³
2 parcels, Wallonia · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
16
companies at this address
See who is registered here
1 establishment unit
Espace Mode
since 20112.198.909.727
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92007A0522/00N000 | Wallonia | 4.2 ha | 1 · 1.5 ha | 7.9 m · 2 fl. |
| 63077C0487/00D000 | Wallonia | 9,997 m² | 1 · 2,631 m² | 7.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Part of the group
CRISMOBEL
14 companies
Group, risk and exposure
Owners and holdings
1 ownerChain of control
Highest known parent: CRISMOBEL. The sources do not say who stands above it.
Owners 1
- Tricobelparent100%
Holdings 0
The accounts to 31-12-2024 list no holdings, and no other source names one.
According to the 2024 annual accounts of MMSTORE and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Company details
Identification
Legal formPublic limited company
Founded28-12-2001
Fiscal year end31-12
Activities, NACEBEL 2025
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0476463604
Also
9925:BE0476463604
Registered
16-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.