More.

Active

Private limited companyfounded 20214 yrs activeCollegestraat 21, 9100 Sint-Niklaas, BelgiumKBO/BCE: BE 0777.524.680

More. has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €-18k. Equity is shrinking by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 24% of 2034 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

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Checked score

Score 2025

49 / 100

Fair

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability8▼-61

Solvency35▼-39

Growth32▼-20

Track record94

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days acceptable

Liquidity tight (current ratio 1.37 against 1.67 in 2024; short-term debt: 59% and cash: 33.1% of total assets), and 89.8% 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

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 85

Relative position

BE, all sectors

reference

Sector 85

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 2025

Solvency, return and age of the figures

Solvency

10.2%

Return on assets

-8.8%

Age of the figures

12 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 2034 sector peers (2025).

NBB · sector comparison

Position among 2034 sector peers

Solvency

better than 24%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 22-04-2026, 8 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

8 d early

2024

6 d early

2023

on the day

2022

9 d early

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

18-09-2026 today30-09-2026 close30-04-2027 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 2025, micro schema

Equity

€20k▼ 46.3%

2024 · €38k

2022: €33k 2023: €38k 2024: €38k

2022 → 2025

Total assets

€199k▲ 157%

2024 · €77k

2022: €86k 2023: €101k 2024: €77k

2022 → 2025

Net result

€-18k

2024 · €78

2022: €32k 2023: €5k 2024: €78

2022 → 2025

Working capital

€44k▲ 77.1%

2024 · €25k

2022: €39k 2023: €40k 2024: €25k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€33k-€38k▲ 13.8%€38k▲ 0.2%€20k▼ 46.3%

Operating result€39k-€9k▼ 76.5%€4k▼ 59.9%€-17k

Net result€32k-€5k▼ 85.8%€78▼ 98.3%€-18k

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 €17k after €4k in 2024, the lowest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €199k

19.0%

81.0%

Fixed assets €38k▲ 146%

Current assets €161k▲ 160%

Equity and liabilities €199k

10%

89.8%

Equity €20k▼ 46.3%

Debt €179k▲ 352%

The debt ratio rises from 51.1% to 89.8%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€-8k▼

2024 · €9k

Cash flow

€-9k▼

2024 · €6k

Solvency

10.2%▼

2024 · 48.9%

Current ratio

1.37▼

2024 · 1.67

Quick ratio

1.37▼

2024 · 1.67

Debt / equity

8.80▲

2024 · 1.04

ROE

-86.3%▼

2024 · 0.2%

ROA

-8.8%▼

2024 · 0.1%

Interest coverage

-5.61▼

2024 · 15.95

Debt

€179k▲

2024 · €39k

Debt ≤ 1 year

€117k▲

2024 · €37k

Debt > 1 year

€55k

Income taxes

€273▼

2024 · €3k

Staff costs

€286k▲

2024 · €217k

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€77k€199k▲

Fixed assets21/28€15k€38k▲

Tangible fixed assets22/27€15k€38k▲

Plant, machinery and equipment23€1k€851▼

Furniture and vehicles24€14k€12k▼

Leasing and similar rights25-€25k

Current assets29/58€62k€161k▲

Amounts receivable within one year40/41€47k€92k▲

Trade receivables40€43k€48k▲

Other amounts receivable41€4k€44k▲

Cash at bank and in hand54/58€12k€66k▲

Deferred charges and accrued income490/1€2k€4k▲

Equity and liabilities

Total equity and liabilities10/49€77k€199k▲

Equity10/15€38k€20k▼

Contributions10/11€10k€10k=

Profit (loss) carried forward14€28k€10k▼

Amounts payable17/49€39k€179k▲

Amounts payable after more than one year17-€55k

Financial debts170/4-€55k

Amounts payable within one year42/48€37k€117k▲

Current portion of amounts payable after more than one year42-€15k

Financial debts43-€25k

Credit institutions430/8-€25k

Trade debts44€18k€43k▲

Suppliers440/4€18k€43k▲

Taxes, remuneration and social security45€19k€34k▲

Taxes450/3€19k€31k▲

Remuneration and social security454/9-€3k

Accrued charges and deferred income492/3€2k€7k▲

Income statement Code20242025

Remuneration, social security and pensions62€217k€286k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€9k▲

Other operating charges640/8€894€1k▲

Gross operating margin9900€227k€279k▲

Operating profit (loss)9901€4k€-17k▼

Financial income75/76B€43€1k▲

Recurring financial income75€43€1k▲

Financial charges65/66B€578€1k▲

Recurring financial charges65€578€1k▲

Profit (loss) for the period before taxes9903€3k€-17k▼

Income taxes67/77€3k€273▼

Profit (loss) for the period9904€78€-18k▼

Profit (loss) for the period to be appropriated9905€78€-18k▼

Appropriation of the result

Profit (loss) to be appropriated9906€28k€10k▼

Profit (loss) brought forward from the previous period14P€28k€28k▲

The notes to these accounts (7 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 5Financial 1Filings 4

Next filing, fiscal year 2026, expected by 30-04-2027

2026

22-04

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

30-09

Financial Weakest financial yearnet €-18k ▼22649%

Net result drops to €-18k, the lowest in the series.

24-04

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

30-04

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

21-04

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

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

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, Sint-Niklaas · 1 establishment unit since 2021

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.

Collegestraat 219100 Sint-Niklaas

Ground area

135 m²

Building footprint

117 m²

Volume, LiDAR

825 m³

Parcel 46443E0402/00W000, Flanders · tallest building 12.7 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

More.

Collegestraat 21, 9100 Sint-NiklaasRetail sale of women's outerwear

since 20212.324.308.258

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
46443E0402/00W000 ProtectedTownscape or village viewJongensschool Sint-Jozef-Klein-Seminarie en omgevingSource ↗	Flanders	135 m²	1 · 117 m²	12.7 m · 2 fl.