Munio has a registered holding activity and consists mainly of financial fixed assets; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €624k and a net result of €57k. Equity is growing by ~12.8% per year across the filed fiscal years. Its solvency ranks better than 42% of 31662 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Holding: general score not applicable
The company has a registered holding activity and financial fixed assets account for more than half of its assets. The general operating-company model is unsuitable for this profile, so we show no financial axes either. Filed figures remain available.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 02-10-2025, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
44 d early
2023
46 d early
2022
45 d early
2021
33 d early
2020
30 d early
2019
30 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close22-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€624k▲ 10.0%
2024 · €567k
2019: €388k
2020: €315k
2021: €386k
2022: €428k
2023: €492k
2024: €567k
2019 → 2025
Total assets
€1.33M▲ 4.0%
2024 · €1.28M
2019: €1.38M
2020: €1.32M
2021: €1.31M
2022: €1.25M
2023: €1.23M
2024: €1.28M
2019 → 2025
Net result
€57k▼ 24.6%
2024 · €75k
2019: €8k
2020: €-72k
2021: €72k
2022: €42k
2023: €64k
2024: €75k
2019 → 2025
Working capital
€-406k▼ 4.9%
2024 · €-388k
2019: €-662k
2020: €-485k
2021: €-433k
2022: €-400k
2023: €-353k
2024: €-388k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€386k-€428k▲ 10.7%€492k▲ 15.0%€567k▲ 15.3%€624k▲ 10.0%
Operating result€122k-€81k▼ 33.1%€99k▲ 21.4%€90k▼ 9.0%€103k▲ 14.3%
Net result€72k-€42k▼ 42.0%€64k▲ 53.2%€75k▲ 17.7%€57k▼ 24.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 14% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.33M
Fixed assets
€1.12M▲ 2.1%
Current assets
€214k▲ 15.0%
Equity and liabilities €1.33M
Equity
€624k▲ 10.0%
Debt
€709k▼ 0.8%
The debt ratio falls from 55.8% to 53.2%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
46.8%▲
2024 · 44.2%
ROE
9.1%▼
2024 · 13.3%
ROA
4.3%▼
2024 · 5.9%
Debt
€709k▼
2024 · €715k
Debt ≤ 1 year
€621k▲
2024 · €574k
Debt > 1 year
€88k▼
2024 · €141k
Income taxes
€20k▲
2024 · €16k
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€1.28M€1.33M▲
Fixed assets21/28€1.10M€1.12M▲
Tangible fixed assets22/27€184k€200k▲
Land and buildings22€31k€31k=
Plant, machinery and equipment23€154k€131k▼
Furniture and vehicles24-€39k
Financial fixed assets28€911k€919k▲
Current assets29/58€186k€214k▲
Amounts receivable within one year40/41€72k€52k▼
Trade receivables40€21k€39k▲
Other amounts receivable41€51k€13k▼
Current investments50/53€92k€104k▲
Cash at bank and in hand54/58€23k€58k▲
Equity and liabilities
Total equity and liabilities10/49€1.28M€1.33M▲
Equity10/15€567k€624k▲
Contributions10/11€300k€300k=
Reserves13€267k€324k▲
Distributable reserves133€267k€324k▲
Amounts payable17/49€715k€709k▼
Amounts payable after more than one year17€141k€88k▼
Financial debts170/4€141k€88k▼
Amounts payable within one year42/48€574k€621k▲
Current portion of amounts payable after more than one year42€54k€52k▼
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45€5k€27k▲
Taxes450/3€5k€27k▲
Other amounts payable47/48€514k€541k▲
Income statement
Code20242025
Non-recurring operating income76A-€6k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€70k▲
Other operating charges640/8€7k€1k▼
Gross operating margin9900€142k€174k▲
Operating profit (loss)9901€90k€103k▲
Financial income75/76B€24k€2▼
Recurring financial income75€24k€2▼
Financial charges65/66B€22k€26k▲
Recurring financial charges65€22k€26k▲
Profit (loss) for the period before taxes9903€92k€76k▼
Income taxes67/77€16k€20k▲
Profit (loss) for the period9904€75k€57k▼
Profit (loss) for the period to be appropriated9905€75k€57k▼
Appropriation of the result
Profit (loss) to be appropriated9906€75k€57k▼
Transfer to equity691/2€75k€57k▼
To other reserves6921€75k€57k▼
The notes to these accounts (10 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
2025
02-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
17-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Highest result since 2019net €75k ▲17.7%
Net result €75k, the highest in the series.
31-03
Financial
Equity above €500kEq €567k ▲15.3%
4 profitable years in a row build equity to €567k.
2023
15-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
16-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Back to profitnet €72k
Net result €72k after one loss-making year.
2020
01-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Weakest financial yearnet €-72k ▼989%
Net result drops to €-72k, the lowest in the series; recovery starts the following year.
2019
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
07-07
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
7 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 2009
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.
Helsvuurstraat 59112 Sint-NiklaasGround area
8,500 m²
Building footprint
212 m²
Volume, LiDAR
1,155 m³
Parcel 46019A1769/00F000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Helsvuurstraat 5, 9112 Sint-Niklaas
since 20092.175.347.338
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46019A1769/00F000 | Flanders | 8,500 m² | 1 · 212 m² | 8.5 m · 2 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 1,650 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 1,650 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 32,716 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-12-2008
Fiscal year end31-03
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.