MY FINE

Active

Private limited company (pre-2019)founded 20188 yrs activeChaussée de Charleroi 55, 6061 Charleroi, BelgiumKBO/BCE: BE 0704.957.792

Summary

MY FINE has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €53,625 and a net result of €2,293. Equity is growing by ~55% per year across the filed fiscal years. Its solvency ranks better than 79% of 21069 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).

Risk analysisWatch Report Compare

MY FINEActiveChecked score 66/100

Risk analysis Report Compare

Activity

Retail sale of bread and pastry (bakery outlets)

NACE 47241

2 sites

Size

€78,056total assets 2025

Equity: €53,625
Profit: €2,293

Financial health

66 Healthy Checked score 2025

Bankruptcy chance 12 m: 1.2%

Structure

Accounts filed 85 d late0 of 3 deeds read

Why 66- Latest accounts 85 days late; 3 of the last 3 late- Size: total assets €78,056- Founded in 2018+ Liquidity: current ratio 3.18, cash €24,242Show the evidence

Checked score

Score 2025

66 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Better than 63% of its sector peers (NACE 47, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 94-5

equity 68.7% of total assets

Liquidity 76+3

short-term debt 31.3% · cash 31.1%

Profitability 45-1

return on assets 2.9%

Bankruptcy probability, 12 months

1.2% Low

0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (39,974 companies)

Last 24 months 11-2024: 3.6% 12-2024: 3.8%▲ +5.2% vs 11-2024 01-2025: 5.8%▲ +53.9% vs 12-2024 02-2025: 5.5%▼ -6.6% vs 01-2025 03-2025: 7.2%▲ +31.1% vs 02-2025highest value 04-2025: 1.5%▼ -79.6% vs 03-2025 05-2025: 1.5%● 0.0% vs 04-2025 06-2025: 1.4%▼ -0.8% vs 05-2025 07-2025: 1.5%▲ +1.8% vs 06-2025 08-2025: 1.4%▼ -1.8% vs 07-2025 09-2025: 1.4%▼ -5.7% vs 08-2025 10-2025: 1.4%▲ +1.2% vs 09-2025 11-2025: 2.1%▲ +49.8% vs 10-2025 12-2025: 2.3%▲ +13.3% vs 11-2025 01-2026: 3.7%▲ +58.8% vs 12-2025 02-2026: 1.2%▼ -68.9% vs 01-2026 03-2026: 1.2%▲ +2.3% vs 02-2026 04-2026: 1.2%▼ -1.4% vs 03-2026 05-2026: 1.2%▼ -1.2% vs 04-2026 06-2026: 1.1%▼ -1.4% vs 05-2026 07-2026: 1.2%▲ +1.8% vs 06-2026 08-2026: 1.1%▼ -1.3% vs 07-2026 09-2026: 1.1%▼ -0.9% vs 08-2026lowest value 10-2026: 1.2%▲ +2.7% vs 09-2026

Latest accounts 85 days late; 3 of the last 3 late raises the probability
Liquidity: current ratio 3.18, cash €24,242 lowers the probability
Size: total assets €78,056 raises the probability for this profile
Founded in 2018 raises the probability for this profile

Credit up to €3,500 at 30 days acceptable

Liquidity ample (current ratio 3.18 against 3.88 in 2024; short-term debt: 31.3% and cash: 31.1% of total assets), and 31.3% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 80%, liquidity 81%, profitability 33%, growth against the median 59%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Latest accounts 85 days late; 3 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Liquidity: current ratio 3.18, cash €24,242

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Size: total assets €78,056

In the bankruptcy model this factor raises the probability for this profile.

NBB · annual accounts

Founded in 2018

In the bankruptcy model this factor raises the probability for this profile.

KBO

Filed after the deadline

The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 24-01-2026, 85 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 · 6 filings

Deviation from the deadline

2025

85 d late

2024

127 d late

2023

288 d late

2022

121 d late

2021

457 d late

2020

159 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 206 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 7 March (4 of the last 5 filed years within 161 days of that day).

Companies Code · seven months

Position in the running window

31-03-2026 close03-10-2026 today31-10-2026 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