Muriel
ActiveSummary
Muriel has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €244k and a net result of €-7k. Equity is growing by ~6% per year across the filed fiscal years. Its solvency ranks better than 89% of 7058 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability16▼-54
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 10.82 against 11.58 in 2024; short-term debt: 9.2% and cash: 99.1% of total assets), and 9.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-06-2026, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
44 d early
2024
30 d late
2023
54 d early
2022
58 d early
2021
29 d late
2020
92 d late
2019
73 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€70k
EBIT margin
36.7%
Net result
€-7k
2024 · €3k
2018: €13k
2019: €-6k▼ -146% vs 2018
2020: €-4k▲ +27.1% vs 2019
2021: €20k▲ +549% vs 2020
2022: €35k▲ +74.3% vs 2021highest in 8 years
2023: €26k▼ -26.2% vs 2022
2024: €3k▼ -89.9% vs 2023
2025: €-7k▼ -360% vs 2024lowest in 8 years
2018 → 2025
Working capital
€244k▼ 2.9%
2024 · €252k
2018: €175k
2019: €175k▼ -0.1% vs 2018
2020: €171k▼ -2.1% vs 2019lowest in 8 years
2021: €188k▲ +10.2% vs 2020
2022: €224k▲ +18.9% vs 2021
2023: €248k▲ +10.5% vs 2022
2024: €252k▲ +1.6% vs 2023highest in 8 years
2025: €244k▼ -2.9% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€70k
Equity€191k-€226k▲ 18.2%€248k▲ 10.0%€251k▲ 1.0%€244k▼ 2.7%
2021: €191klowest in 5 years
2022: €226k▲ +18.2% vs 2021
2023: €248k▲ +10.0% vs 2022
2024: €251k▲ +1.0% vs 2023highest in 5 years
2025: €244k▼ -2.7% vs 2024
Operating result€20k-€35k▲ 73.9%€26k▼ 26.0%€3k▼ 87.3%€-9k
2021: €20k
2022: €35k▲ +73.9% vs 2021highest in 5 years
2023: €26k▼ -26.0% vs 2022
2024: €3k▼ -87.3% vs 2023
2025: €-9k▼ -385% vs 2024lowest in 5 years
Net result€20k-€35k▲ 74.3%€26k▼ 26.2%€3k▼ 89.9%€-7k
2021: €20k
2022: €35k▲ +74.3% vs 2021highest in 5 years
2023: €26k▼ -26.2% vs 2022
2024: €3k▼ -89.9% vs 2023
2025: €-7k▼ -360% vs 2024lowest in 5 years
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €9k after €3k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €269k
Equity
€244k ▼ 2.7%
Debt
€25k ▲ 2.1%
Debt's share of the balance-sheet total rises from 8.8% to 9.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-9k▼
2024 · €4k
Cash flow
€-7k▼
2024 · €3k
Current ratio
10.82▼
2024 · 11.58
Debt to equity
0.10▲
2024 · 0.10
ROE
-2.8%▼
2024 · 1.0%
ROA
-2.5%▼
2024 · 0.9%
Interest coverage
-209.91▼
2024 · 91.39
Debt ≤ 1 year
€25k▲
2024 · €24k
Income taxes
€0▼
2024 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€275k€269k▼
Current assets29/58€275k€269k▼
Amounts receivable within one year40/41€10k€3k▼
Trade receivables40€10k-
Other amounts receivable41-€3k
Cash at bank and in hand54/58€266k€267k▲
Deferred charges and accrued income490/1€96-
Equity and liabilities
Total equity and liabilities10/49€275k€269k▼
Equity10/15€251k€244k▼
Contributions10/11€154k€154k=
Reserves13€170k€170k=
Non-distributable reserves130/1€34k-
Reserves not available under the articles1311€34k-
Distributable reserves133€136k€170k▲
Profit (loss) carried forward14€-72k€-79k▼
Amounts payable17/49€24k€25k▲
Amounts payable within one year42/48€24k€25k▲
Trade debts44€7k€5k▼
Suppliers440/4€7k€5k▼
Taxes, remuneration and social security45€2k€1k▼
Taxes450/3€2k€1k▼
Other amounts payable47/48€15k€19k▲
Accrued charges and deferred income492/3€570€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€847€0▼
Other operating charges640/8€387€400▲
Gross operating margin9900€4k€-9k▼
Operating profit (loss)9901€3k€-9k▼
Financial income75/76B€677€3k▲
Recurring financial income75€677€3k▲
Financial charges65/66B€45€44▼
Recurring financial charges65€45€44▼
Profit (loss) for the period before taxes9903€4k€-7k▼
Income taxes67/77€1k€0▼
Profit (loss) for the period9904€3k€-7k▼
Profit (loss) for the period to be appropriated9905€3k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-72k€-79k▼
Profit (loss) brought forward from the previous period14P€-75k€-72k▲
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | €70k | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | €43k | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €847 | €847 | €847 | €0 | ▼ 100% |
| Other operating charges640/8 | €660 | €150 | €384 | €387 | €400 | ▲ 3.2% |
| Gross operating margin9900 | €21k | €36k | €27k | €4k | €-9k | ▼ 298% |
| Operating profit (loss)9901 | €20k | €35k | €26k | €3k | €-9k | ▼ 385% |
| Financial income75/76B | - | €38 | - | €677 | €3k | ▲ 282% |
| Recurring financial income75 | - | €38 | - | €677 | €3k | ▲ 282% |
| Financial charges65/66B | €57 | €45 | €88 | €45 | €44 | ▼ 1.6% |
| Recurring financial charges65 | €57 | €45 | €88 | €45 | €44 | ▼ 1.6% |
| Profit (loss) for the period before taxes9903 | €20k | €35k | €26k | €4k | €-7k | ▼ 273% |
| Income taxes67/77 | - | - | - | €1k | €0 | ▼ 100% |
| Profit (loss) for the period9904 | €20k | €35k | €26k | €3k | €-7k | ▼ 360% |
| Profit (loss) for the period to be appropriated9905 | €20k | €35k | €26k | €3k | €-7k | ▼ 360% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €207k | €241k | €272k | €275k | €269k | ▼ 2.3% |
| Fixed assets21/28 | €3k | €2k | €847 | - | - | - |
| Tangible fixed assets22/27 | €3k | €2k | €847 | - | - | - |
| Furniture and vehicles24 | €3k | €2k | €847 | - | - | - |
| Current assets29/58 | €205k | €240k | €271k | €275k | €269k | ▼ 2.3% |
| Amounts receivable within one year40/41 | €13k | €4k | €1k | €10k | €3k | ▼ 73.3% |
| Trade receivables40 | €13k | €4k | €1k | €10k | - | - |
| Other amounts receivable41 | - | €137 | - | - | €3k | - |
| Cash at bank and in hand54/58 | €191k | €236k | €270k | €266k | €267k | ▲ 0.3% |
| Deferred charges and accrued income490/1 | - | - | - | €96 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €207k | €241k | €272k | €275k | €269k | ▼ 2.3% |
| Equity10/15 | €191k | €226k | €248k | €251k | €244k | ▼ 2.7% |
| Contributions10/11 | €154k | €154k | €154k | €154k | €154k | = |
| Capital10 | - | - | €154k | - | - | - |
| Issued capital100 | - | - | €154k | - | - | - |
| Reserves13 | €140k | €140k | €170k | €170k | €170k | = |
| Non-distributable reserves130/1 | €4k | €4k | €34k | €34k | - | - |
| Legal reserve130 | - | - | €4k | - | - | - |
| Reserves not available under the articles1311 | €4k | €4k | €30k | €34k | - | - |
| Distributable reserves133 | €136k | €136k | €136k | €136k | €170k | ▲ 24.9% |
| Profit (loss) carried forward14 | €-102k | €-68k | €-75k | €-72k | €-79k | ▼ 9.3% |
| Amounts payable17/49 | €16k | €16k | €23k | €24k | €25k | ▲ 2.1% |
| Amounts payable within one year42/48 | €16k | €16k | €23k | €24k | €25k | ▲ 4.6% |
| Trade debts44 | - | €7k | €10k | €7k | €5k | ▼ 30.3% |
| Suppliers440/4 | - | €7k | €10k | €7k | €5k | ▼ 30.3% |
| Taxes, remuneration and social security45 | €3k | €170 | €2k | €2k | €1k | ▼ 28.1% |
| Taxes450/3 | €3k | €170 | €2k | €2k | €1k | ▼ 28.1% |
| Other amounts payable47/48 | €13k | €9k | €12k | €15k | €19k | ▲ 24.3% |
| Accrued charges and deferred income492/3 | - | - | - | €570 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €20k | €35k | €26k | €3k | €-7k | ▼ 360% |
| + Depreciation and write-downs630 | - | €847 | €847 | €847 | €0 | ▼ 100% |
| Operating cash flow (approximation) | €20k | €36k | €27k | €3k | €-7k | ▼ 296% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - | - | - |
| Change in cash | - | €45k | €34k | €-4k | €838 | ▲ 121% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-7k
Net result drops to €-7k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €35k ▲74.3%
Operating result €35k, net result €35k, both a record.
31-12
Financial
Equity above €200kEq €226k ▲18.2%
2 profitable years in a row build equity to €226k.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 29 days late
2021
31-12
Financial
Back to profitnet €20k
Net result €20k after 2 loss-making years.
31-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 92 days late
2020
12-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 73 days late
2019
10-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 41 days late
2018
06-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 6 days late
23-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 235 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Elsene · 1 establishment unit since 1955
Ground area
171 m²
Building footprint
79 m²
Volume, LiDAR
1,005 m³
Parcel 21445C0253/00C011, Brussels · tallest building 16.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Emile Banningstraat 96, 1050 Elsene
since 19552.005.337.814
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21445C0253/00C011 | Brussels | 171 m² | 1 · 79 m² | 16.6 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 9,862 companies in sector 73110 we hold annual accounts for 3,753. 2,710 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded01-01-1968
Fiscal year end31-12
Activities, NACEBEL 2025
73110Advertising agencies
Scores and ratios are computed by Checked and are not a credit decision.