MTM-GIFTS
ActiveMTM-GIFTS has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €967k and a net result of €130k. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 65% of 7983 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+1
Solvency85▼-6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 2.24 against 2.86 in 2024; short-term debt: 40.1% and cash: 35.4% of total assets), and 40.1% of the assets are financed with debt.
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
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
59.9%
Return on assets
8.1%
Age of the figures
9 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 →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
8 d early
2023
5 d early
2022
30 d late
2021
30 d late
2020
9 d early
2019
49 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€967k▲ 5.9%
2024 · €913k
2018: €583k
2019: €631k
2020: €651k
2021: €650k
2022: €726k
2023: €830k
2024: €913k
2018 → 2025
Total assets
€1.61M▲ 17.2%
2024 · €1.38M
2018: €833k
2019: €924k
2020: €930k
2021: €1.04M
2022: €1.36M
2023: €1.15M
2024: €1.38M
2018 → 2025
Net result
€130k▲ 23.8%
2024 · €105k
2018: €42k
2019: €51k
2020: €23k
2021: €-2k
2022: €91k
2023: €114k
2024: €105k
2018 → 2025
Working capital
€806k▼ 7.0%
2024 · €867k
2018: €582k
2019: €627k
2020: €620k
2021: €622k
2022: €684k
2023: €783k
2024: €867k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€650k-€726k▲ 11.7%€830k▲ 14.3%€913k▲ 10.0%€967k▲ 5.9%
Operating result€18k-€65k▲ 268%€81k▲ 24.0%€152k▲ 87.8%€158k▲ 4.2%
Net result€-2k-€91k€114k▲ 25.7%€105k▼ 7.5%€130k▲ 23.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 4% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.61M
Fixed assets
€161k▲ 249%
Current assets
€1.45M▲ 9.2%
Equity and liabilities €1.61M
Equity
€967k▲ 5.9%
Debt
€648k▲ 39.4%
The debt ratio rises from 33.7% to 40.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€184k▲
2024 · €165k
Cash flow
€155k▲
2024 · €118k
Solvency
59.9%▼
2024 · 66.3%
Current ratio
2.24▼
2024 · 2.86
Quick ratio
1.15▼
2024 · 1.62
Debt / equity
0.67▲
2024 · 0.51
ROE
13.5%▲
2024 · 11.5%
ROA
8.1%▲
2024 · 7.6%
Interest coverage
15.48▼
2024 · 17.18
Debt
€648k▲
2024 · €465k
Debt ≤ 1 year
€648k▲
2024 · €465k
Income taxes
€58k▲
2024 · €47k
Staff costs
€143k▲
2024 · €83k
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€1.38M€1.61M▲
Fixed assets21/28€46k€161k▲
Tangible fixed assets22/27€41k€156k▲
Land and buildings22€26k€23k▼
Plant, machinery and equipment23€9k€23k▲
Furniture and vehicles24€5k€109k▲
Financial fixed assets28€5k€5k=
Current assets29/58€1.33M€1.45M▲
Stocks and contracts in progress3€580k€707k▲
Stocks30/36€580k€707k▲
Amounts receivable within one year40/41€164k€165k▲
Trade receivables40€164k€158k▼
Other amounts receivable41€25€7k▲
Cash at bank and in hand54/58€566k€572k▲
Deferred charges and accrued income490/1€22k€10k▼
Equity and liabilities
Total equity and liabilities10/49€1.38M€1.61M▲
Equity10/15€913k€967k▲
Contributions10/11€75k€75k=
Reserves13€838k€892k▲
Non-distributable reserves130/1€8k€8k=
Reserves not available under the articles1311€8k€8k=
Distributable reserves133€830k€884k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€465k€648k▲
Amounts payable within one year42/48€465k€648k▲
Trade debts44€341k€507k▲
Suppliers440/4€341k€507k▲
Taxes, remuneration and social security45€64k€47k▼
Taxes450/3€52k€34k▼
Remuneration and social security454/9€12k€13k▲
Other amounts payable47/48€60k€94k▲
Income statement
Code20242025
Non-recurring operating income76A-€31k
Remuneration, social security and pensions62€83k€143k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€25k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€92k€26k▼
Other operating charges640/8€5k€5k▲
Gross operating margin9900€345k€359k▲
Operating profit (loss)9901€152k€158k▲
Financial income75/76B€10k€41k▲
Recurring financial income75€10k€41k▲
Non-recurring financial income76B€5€5=
Financial charges65/66B€10k€12k▲
Recurring financial charges65€10k€12k▲
Profit (loss) for the period before taxes9903€152k€188k▲
Income taxes67/77€47k€58k▲
Profit (loss) for the period9904€105k€130k▲
Profit (loss) for the period to be appropriated9905€105k€130k▲
Appropriation of the result
Profit (loss) to be appropriated9906€105k€130k▲
Transfer from equity791/2-€76k
Transfer to equity691/2€83k€130k▲
To other reserves6921€83k€130k▲
Profit to be distributed694/7€22k€76k▲
Return on contributions (dividend)694-€76k
Directors or managers695€22k-
Social balance
Average headcount (FTE)90871.32.5▲
The notes to these accounts (18 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €130k ▲23.8%
Operating result €158k, net result €130k, both a record.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Back to profitnet €91k
Net result €91k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €-2k ▼108%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
12-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Zwevegem · 2 establishment units since 1997
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.
Hoogstraat(S) 148554 ZwevegemGround area
3,935 m²
Building footprint
2,258 m²
Volume, LiDAR
14,705 m³
2 parcels, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
GRAPHICS MTM-GIFTS
since 19972.081.602.380
MTM-GIFTS
since 20232.351.237.141
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34023A0435/00R000 | Flanders | 3,620 m² | 1 · 2,120 m² | 9.6 m · 2 fl. |
| 34034A0490/00D000 | Flanders | 314 m² | 1 · 137 m² | 7.2 m · 1 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
Het Compas
BE 0415.377.061
Oostende · Eq €964k
ALLEGION
BE 0446.524.949
Dilbeek · Eq €974k
Albatros
BE 0466.912.765
Mechelen · Eq €980k
La Musica
BE 0639.826.450
Ledegem · Eq €953k
W.N.F. CARDS
BE 0412.483.788
Stekene · Eq €988k
Of 1,170 companies in sector 46499 we hold annual accounts for 743. 496 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded26-03-1997
Fiscal year end31-12
Activities, NACEBEL
46499Wholesale of other household goods
51478
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.