Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of MON MEUBLE is 11.6% (high). The 2023 annual accounts show negative equity (€-28k) and a net result of €37k. Equity is shrinking by ~23.9% per year across the filed fiscal years. The company has been active since 2020 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Based on the State Gazette, CBE and 4 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone11.6%
High
0%0,5%1,5%4%10%≥25%
Recent warning signals
+No NACE activity registered
+Young company
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Insolvency timeline
1 events23-02-2026
KBO administration
Address struck
Filing behaviour
From the deposit records, complete market-wideAnnual accounts not filed
The financial year that closed on 31-12-2024 was due at the National Bank by 31-07-2025. Nothing is on record today, 381 days later. 2 financial years are missing in total. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.
Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 30-09-2024, 61 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.
How we compute the deadline
The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2023, that is 31-07-2024.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | nothing on record | not filed | - |
| 31-12-2023 | 31-07-2024 | 30-09-2024 | 61 d late | 2024-00483005 |
| 31-12-2022 | 31-07-2023 | 14-06-2024 | 319 d late | 2024-00131265 |
| 31-12-2021 | 31-07-2022 | 10-05-2023 | 283 d late | 2023-00084973 |
| 31-12-2020 | 31-07-2021 | 17-11-2021 | 109 d late | 2021-78000209 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
1 signalNo legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
1 eventAddress struck
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€37k
Working capital€-45k+45.2%
Annual accounts & ratios
Source: NBB · 2023Annual accounts filed on 30-09-2024 with the NBB · fiscal year 2023 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
Equity: declining trend of ~23.9%/year over 4 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
€35k
-
20-23
€37k
-
20-23
€39k
-
20-23
€200k
-9.2%
20-23
€-28k
+56.8%
20-23
€-45k
+45.2%
20-23
€228k
-20.0%
20-23
€228k
-20.0%
20-23
Show 8 other metrics
€91k
+13.1%
20-23
0.80
+12.5%
20-23
0.09
-64.7%
20-23
-14.0%
+52.5%
20-23
-8.13
-85.3%
20-23
-131.7%
-
20-23
18.5%
-
20-23
210.08
-
20-23
Figures by fiscal year
| Fiscal year | 2023 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €35k |
| Net profit | €37k |
| Cash flow | €39k |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €200k |
| Equity | €-28k |
| Debt | €228k |
| of which ≤ 1y | €228k |
| of which > 1y | - |
| Working capital | €-45k |
| Employees (FTE) | - |
Ratios (computed)
| 2023 | |
|---|---|
| Current ratio | 0.80 |
| Quick ratio | 0.09 |
| Working capital ratio | -22.3% |
| Solvency | -14.0% |
| Debt / equity | -8.13 |
| Long-term debt ratio | - |
| Interest coverage | 210.08 |
| Gross margin | - |
| Net margin | - |
| ROA | 18.5% |
| ROE | -131.7% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2023
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2023 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €200k |
| Fixed assets | 21/28 | €17k |
| Tangible fixed assets | 22/27 | €5k |
| Financial fixed assets | 28 | €12k |
| Current assets | 29/58 | €183k |
| Stocks & contracts in progress | 3 | €163k |
| Amounts receivable within one year | 40/41 | €3k |
| Cash & bank | 54/58 | €17k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €200k |
| Equity | 10/15 | €-28k |
| Contributions / capital | 10/11 | €2k |
| Accumulated profits (losses) | 14 | €-30k |
| Amounts payable | 17/49 | €228k |
| Amounts payable within one year | 42/48 | €228k |
| Trade debts payable within one year | 44 | €27k |
| Income statement | ||
| Gross operating margin | 9900 | €38k |
| Operating result | 9901 | €33k |
| Financial income | 75 | €4k |
| Financial charges | 65 | €168 |
| Result before taxes | 9903 | €37k |
| Net result for the period | 9904 | €37k |
| Result to be appropriated | 9905 | €37k |
This table shows the latest fiscal year. 3 prior years, with figures and ratios, belong to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2023 · computed16
/ 100
Critical
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.
Directors
Directors & mandates
4 directors5 of this company's 5 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.
Current directors & mandates
-
Current01-10-2024 → present
Former directors (3)
-
Former- → 01-10-2024
-
Former- → 01-10-2024
-
Former- → 31-03-2022
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | - |
| Legal form | Private limited company(610) |
| Incorporation | 11-03-2020 |
| Status | Active |
| Postal code | - |
Structure & network
Connections & network
8 connected companies2 further connections in this company's network. Available in Kantoor S.
See plans →Network connections
Shared address
→
Shared address
→
Shared address
→
Shared address
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Show 2 more network connections
Shared address
→
Shared address
→
2 further connected companies in this network. Available in Kantoor S.
See plans →
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationMON MEUBLE
since 20202.300.396.867
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area3,620 m²
Buildings2
Building footprint1,578 m²
Volume (LiDAR)20,235 m³
Tallest building32.8 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55015A0170/00R010 | Wallonia | 2,402 m² | 1 · 357 m² | 10.4 m · 2 fl. |
| 21822R0227/00T003 | Brussels | 1,218 m² | 1 · 1,221 m² | 32.8 m · 2 fl. |
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.
Publications
Lifecycle & Insolvency Signals
1 event from the State Gazette23-02-2026
KBO administration
Address struck
Time machine: BS events + macro context
2021-2026Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgisch Staatsblad · acts
5 acts All acts · 5
updated 4 months ago
2026
02-04-2026 Act object · General meeting · Share transfer · Officer resignation
- Filing: 2026-03-26 · MON MEUBLE
- Publication: 2026-04-02 · MON MEUBLE
- Act object: cession parts - Démission - Nomination · MON MEUBLE
- General meeting: 2025-09-30 · MON MEUBLE
- Share transfer: shares: 1000, company: MON MEUBLE · Azmano Saïd
- Officer resignation: date: 2025-09-30, role: administrateur et de la gestion journalière · Azmano Saïd
- Officer appointment: date: 2025-09-30, role: administrateur et à la gestion joumalière · Ribeiro De Souza André Luiz
Summary:
Act object · General meeting · Share transfer · Officer resignation
2025
09-05-2025 1 director appointed, 2 resigning
- AZMANO SAID, Bestuurder
- BORDJI SHERAZAED, Bestuurder
- ERYAMAN SELIM, Bestuurder
Summary:
v3.2
2022
27-09-2022 Hüseyin CAKMAK resigns as director
2021
14-10-2021 Change in the board of directors
Summary:
v3.2
2020
13-03-2020 Incorporation of a new SRL
Summary:
oprichting
Analysis
Financial profile
5 of 5 axes measured41
/ 100
Fragile profile, watch profitability in particular.
All 5 axes are computed from data Checked has read.
Health
16
Profitability
0
Solvency
40
Growth
58
Stability
92
Credit advice
verdict per customer and amountCompany registry
Company registry (CBE)
Crossroads BankNames & trade names
| Legal nameFR | MON MEUBLE |
Registration history
- 23-02-2026 Address struck
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.