MY FIRST
ActiveMY FIRST has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €54k and a net result of €10k. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 45% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-6
Solvency54=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.24 against 1.22 in 2024; short-term debt: 71.4% and cash: 29.6% of total assets), and 71.4% 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 · 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
28.6%
Return on assets
5.4%
Age of the figures
9 mo
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 · 9 filingsDeviation from the deadline
2025
31 d late
2024
187 d late
2023
31 d late
2022
61 d late
2021
100 d late
2020
90 d late
2019
118 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€54k▼ 6.1%
2024 · €58k
2018: €62k
2019: €45k
2020: €64k
2021: €62k
2022: €75k
2023: €37k
2024: €58k
2018 → 2025
Total assets
€190k▼ 5.5%
2024 · €202k
2018: €190k
2019: €186k
2020: €212k
2021: €268k
2022: €229k
2023: €218k
2024: €202k
2018 → 2025
Net result
€10k▼ 51.6%
2024 · €21k
2018: €43k
2019: €-16k
2020: €19k
2021: €-3k
2022: €13k
2023: €2k
2024: €21k
2018 → 2025
Working capital
€33k▲ 5.3%
2024 · €31k
2018: €85k
2019: €48k
2020: €41k
2021: €32k
2022: €41k
2023: €8k
2024: €31k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€62k-€75k▲ 21.5%€37k▼ 51.4%€58k▲ 58.6%€54k▼ 6.1%
Operating result€-2k-€16k€11k▼ 29.5%€35k▲ 206%€18k▼ 48.0%
Net result€-3k-€13k€2k▼ 83.6%€21k▲ 879%€10k▼ 51.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 48% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €190k
Fixed assets
€21k▼ 19.6%
Current assets
€169k▼ 3.4%
Equity and liabilities €190k
Equity
€54k▼ 6.1%
Debt
€136k▼ 5.3%
The debt ratio rises from 71.2% to 71.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€23k▼
2024 · €40k
Cash flow
€16k▼
2024 · €27k
Solvency
28.6%▼
2024 · 28.8%
Current ratio
1.24▲
2024 · 1.22
Quick ratio
0.49▼
2024 · 0.52
Debt / equity
2.50▲
2024 · 2.48
ROE
19.0%▼
2024 · 37.0%
ROA
5.4%▼
2024 · 10.6%
Interest coverage
11.09▼
2024 · 16.83
Debt
€136k▼
2024 · €144k
Debt ≤ 1 year
€136k▼
2024 · €144k
Income taxes
€6k▼
2024 · €11k
Staff costs
€109k▼
2024 · €114k
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€202k€190k▼
Fixed assets21/28€27k€21k▼
Tangible fixed assets22/27€19k€14k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€3k€1k▼
Other tangible fixed assets26€12k€10k▼
Financial fixed assets28€8k€8k=
Current assets29/58€175k€169k▼
Stocks and contracts in progress3€101k€103k▲
Stocks30/36€101k€103k▲
Amounts receivable within one year40/41€10k€10k▼
Trade receivables40€8k€6k▼
Other amounts receivable41€2k€3k▲
Cash at bank and in hand54/58€64k€56k▼
Equity and liabilities
Total equity and liabilities10/49€202k€190k▼
Equity10/15€58k€54k▼
Contributions10/11€19k€19k=
Reserves13€39k€36k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€38k€34k▼
Amounts payable17/49€144k€136k▼
Amounts payable within one year42/48€144k€136k▼
Trade debts44€80k€61k▼
Suppliers440/4€80k€61k▼
Taxes, remuneration and social security45€62k€59k▼
Taxes450/3€19k€27k▲
Remuneration and social security454/9€43k€33k▼
Other amounts payable47/48€1k€15k▲
Income statement
Code20242025
Non-recurring operating income76A-€1k
Remuneration, social security and pensions62€114k€109k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€156k€135k▼
Operating profit (loss)9901€35k€18k▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€33k€16k▼
Income taxes67/77€11k€6k▼
Profit (loss) for the period9904€21k€10k▼
Profit (loss) for the period to be appropriated9905€21k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€10k▼
Transfer from equity791/2-€14k
Transfer to equity691/2€21k€10k▼
To other reserves6921€21k€10k▼
Profit to be distributed694/7-€14k
Return on contributions (dividend)694-€14k
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
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
03-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 187 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
08-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 100 days late
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
26-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 118 days late
2019
31-12
Financial
Weakest financial yearnet €-16k ▼138%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
05-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 97 days late
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 91 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Charleroi · 1 establishment unit since 2016
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 de Beaumont 2046030 CharleroiGround area
714 m²
Building footprint
317 m²
Volume, LiDAR
1,280 m³
Parcel 52044B0534/00K022, Wallonia · tallest building 5.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
GO IN
since 20162.259.106.244
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52044B0534/00K022 | Wallonia | 714 m² | 1 · 317 m² | 5.2 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteCharleroi2.259.106.244
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Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 4,656 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-12-2016
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47113Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.