MUNIC MANAGEMENT
ActiveSummary
The computed 12-month bankruptcy probability of MUNIC MANAGEMENT is 2.1% (moderate). The 2025 annual accounts show equity of €23k and a net result of €19k. Its solvency ranks better than 17% of 10359 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
42
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability51
Solvency31
Growth-
Track record67
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity short (current ratio 0.12; short-term debt: 64.3% and cash: 5.3% of total assets), and 93.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
6.3%
Return on assets
5.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 10359 sector peers (2025).
NBB · sector comparisonPosition among 10359 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 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 · 1 filingDeviation from the deadline
2025
5 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, abbreviated schema
Equity
€23k
Total assets
€371k
Net result
€19k
Working capital
€-211k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €371k
Fixed assets
€343k
Current assets
€28k
Equity and liabilities €371k
Equity
€23k
Debt
€348k
Debt finances 93.7% of the balance-sheet total.
Key figures and ratios
Current ratio
0.12
Debt to equity
14.92
ROE
82.8%
ROA
5.2%
Debt ≤ 1 year
€239k
Debt > 1 year
€109k
Income taxes
€7k
Filed annual accounts As filed with the NBB · 2025 · 36 lines
Balance sheet
Code2025
Assets
Total assets20/58€371k
Fixed assets21/28€343k
Tangible fixed assets22/27€0
Furniture and vehicles24€0
Financial fixed assets28€343k
Current assets29/58€28k
Amounts receivable within one year40/41€7k
Trade receivables40€7k
Other amounts receivable41€0
Cash at bank and in hand54/58€20k
Deferred charges and accrued income490/1€1k
Equity and liabilities
Total equity and liabilities10/49€371k
Equity10/15€23k
Contributions10/11€4k
Profit (loss) carried forward14€19k
Amounts payable17/49€348k
Amounts payable after more than one year17€109k
Financial debts170/4€109k
Amounts payable within one year42/48€239k
Current portion of amounts payable after more than one year42€24k
Trade debts44€627
Suppliers440/4€627
Taxes, remuneration and social security45€15k
Taxes450/3€13k
Remuneration and social security454/9€2k
Other amounts payable47/48€199k
Accrued charges and deferred income492/3€160
Income statement
Code2025
Gross operating margin9900€31k
Operating profit (loss)9901€31k
Financial charges65/66B€5k
Recurring financial charges65€5k
Profit (loss) for the period before taxes9903€26k
Income taxes67/77€7k
Profit (loss) for the period9904€19k
Profit (loss) for the period to be appropriated9905€19k
Appropriation of the result
Profit (loss) to be appropriated9906€19k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
05-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 5 days late
NBB filing
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, Hannut · 1 establishment unit since 2024
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.
Rue Zénobe Gramme 714280 HannutGround area
665 m²
Building footprint
130 m²
Volume, LiDAR
1,173 m³
Parcel 64034B0945/00D000, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
MUNIC MANAGEMENT
since 20242.363.930.877
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64034B0945/00D000 | Wallonia | 665 m² | 1 · 130 m² | 10.8 m · 3 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, comparable size
MIMI COMPANY
BE 1007.694.002
Sint-Lievens-Houtem · Eq €23,284
FMD
BE 0471.740.395
Peer · Eq €23,375
STARSALE
BE 0822.034.814
Halle · Eq €23,451
FELFIX
BE 1025.831.319
Sint-Truiden · Eq €23,150
KRINOSERVICE
BE 0810.886.742
Destelbergen · Eq €23,138
Of 1,467 companies in sector 47632 we hold annual accounts for 733. 391 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-08-2024
Fiscal year end31-12
Activities, NACEBEL 2025
47632Retail sale of bicycles
47830Retail sale of motorcycles and motorcycle parts and accessories
70200Business and other management consultancy
82100Office administrative and support services
93199Other sports activities
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.