Age4 yrs
Real estate1 parcel · 1,416 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of MYSA is 3.2% (moderate). The 2025 annual accounts show negative equity (€-82k) and a net result of €5k. Its solvency ranks better than 5% of 480 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone3.2%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Annual accounts: weaker financial profile
+Higher-failure-rate sector
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidenceWeak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 480 sector peers (2025).
View the sector comparison Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 17-10-2025, 14 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-03. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-03-2025, that is 31-10-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-03-2025 | 31-10-2025 | 17-10-2025 | 14 d early | 2025-00544513 |
| 31-03-2024 | 31-10-2024 | 31-10-2024 | on the day | 2024-00523020 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€5k
Working capital€9k-92.7%
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 17-10-2025 with the NBB · fiscal year 2025 · verkort
Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -886.7% | 21.2% | |
| Net result | €5k | €32k | |
| Equity | €-82k | €163k | |
| Gross operating margin | €5k | €281k | |
| Total assets | €9k | €900k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€5k
-
24-25
€9k
-98.5%
24-25
€-82k
+5.4%
24-25
€9k
-92.7%
24-25
2
-
24-25
€84k
-
24-25
€91k
-87.3%
24-25
€500
-99.9%
24-25
Show 7 other metrics
€90k
-55.0%
24-25
18.39
+1390.1%
24-25
18.39
+1390.1%
24-25
-886.7%
-6383.6%
24-25
-1.11
+86.6%
24-25
-5.7%
-
24-25
50.8%
-
24-25
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Deposit | verkort |
| Revenue | - |
| EBITDA | - |
| Net profit | €5k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €9k |
| Equity | €-82k |
| Debt | €91k |
| of which ≤ 1y | €500 |
| of which > 1y | €90k |
| Working capital | €9k |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 18.39 |
| Quick ratio | 18.39 |
| Working capital ratio | 94.6% |
| Solvency | -886.7% |
| Debt / equity | -1.11 |
| Long-term debt ratio | -1.10 |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | 50.8% |
| ROE | -5.7% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Full annual accounts (19 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €9k |
| Current assets | 29/58 | €9k |
| Amounts receivable within one year | 40/41 | €5k |
| Cash & bank | 54/58 | €4k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €9k |
| Equity | 10/15 | €-82k |
| Contributions / capital | 10/11 | €20k |
| Accumulated profits (losses) | 14 | €-102k |
| Amounts payable | 17/49 | €91k |
| Amounts payable after one year | 17 | €90k |
| Amounts payable within one year | 42/48 | €500 |
| Trade debts payable within one year | 44 | €500 |
| Income statement | ||
| Gross operating margin | 9900 | €5k |
| Operating result | 9901 | €4k |
| Financial income | 75 | €6k |
| Financial charges | 65 | €5k |
| Result before taxes | 9903 | €5k |
| Net result for the period | 9904 | €5k |
| Result to be appropriated | 9905 | €5k |
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2025 · computed38
/ 100
Weak
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Wijerstraat 633510 HasseltEstablishment units
1 locationCarrefour Market Beringen
since 20222.334.083.284
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,416 m²
Buildings1
Building footprint74 m²
Volume (LiDAR)472 m³
Tallest building9.1 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71054B0173/00V003 | Flanders | 1,416 m² | 1 · 74 m² | 9.1 m · 2 fl. |
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.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 act Address history · 1
15-05-2024
Registered-office move
All acts · 1
updated 2 years ago
2024
15-05-2024 Registered office moved from Beringen to Spalbeek
- Koolmijnlaan 77 te 3580 Beringen → 3510 Spalbeek, Wijerstraat 63
Analysis
Financial profile
5 of 5 axes measured55
/ 100
Mixed profile: strong on stability, weaker on profitability.
All 5 axes are computed from data Checked has read.
Health
38
Profitability
0
Solvency
67
Growth
78
Stability
94
Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector and regionBE 0748.713.009 · Hasselt
BE 0876.346.005 · Hasselt
BE 0885.501.320 · Hasselt
BE 1028.016.193 · Hasselt
BE 0476.000.081 · Hasselt
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 1,663 of the 10,440 companies in this sector.
Company registry
Company registry (CBE)
Crossroads BankActivities
Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 400 m² en minder dan 2500 m²)47114
Primary activity highlighted.
Names & trade names
| Legal nameNL | MYSA |
Registered office
Wijerstraat 63
3510 Hasselt, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.