MZ CHEVALIER
ActiveThe computed 12-month bankruptcy probability of MZ CHEVALIER is 3.3% (moderate). The 2025 annual accounts show equity of €16k and a net result of €1k. Equity is growing by ~16% per year across the filed fiscal years. Its solvency ranks better than 57% of 18237 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-27
Solvency68▲+10
Growth78=
Track record94
Bankruptcy probability, 12 months
3.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.74 against 1.46 in 2024; short-term debt: 57.4% and cash: 0.2% of total assets), but 57.4% 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.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 →
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 05-06-2026, 56 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
56 d early
2024
31 d late
2023
14 d early
2022
4 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€16k▲ 7.2%
2024 · €15k
2022: €10k
2023: €4k
2024: €15k
2022 → 2025
Total assets
€37k▼ 16.1%
2024 · €44k
2022: €41k
2023: €43k
2024: €44k
2022 → 2025
Net result
€1k▼ 90.1%
2024 · €11k
2022: €368
2023: €-6k
2024: €11k
2022 → 2025
Working capital
€16k▲ 17.7%
2024 · €13k
2022: €10k
2023: €1k
2024: €13k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€10k-€4k▼ 60.7%€15k▲ 263%€16k▲ 7.2%
Operating result€572-€-6k€11k€1k▼ 88.0%
Net result€368-€-6k€11k€1k▼ 90.1%
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 88% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €37k
Equity
€16k▲ 7.2%
Debt
€21k▼ 27.7%
The debt ratio falls from 66.6% to 57.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€3k▼
2024 · €12k
Cash flow
€2k▼
2024 · €12k
Solvency
42.6%▲
2024 · 33.4%
Current ratio
1.74▲
2024 · 1.46
Quick ratio
0.00▼
2024 · 0.20
Debt / equity
1.35▼
2024 · 2.00
ROE
6.7%▼
2024 · 72.4%
ROA
2.9%▼
2024 · 24.2%
Interest coverage
10.67▼
2024 · 55.53
Debt
€21k▼
2024 · €29k
Debt ≤ 1 year
€21k▼
2024 · €29k
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€44k€37k▼
Fixed assets21/28€1k€0▼
Tangible fixed assets22/27€1k€0▼
Furniture and vehicles24€1k€0▼
Current assets29/58€43k€37k▼
Stocks and contracts in progress3€37k€37k=
Stocks30/36€37k€37k=
Cash at bank and in hand54/58€6k€63▼
Equity and liabilities
Total equity and liabilities10/49€44k€37k▼
Equity10/15€15k€16k▲
Contributions10/11€10k€10k=
Capital10€10k€10k=
Issued capital100€10k€10k=
Profit (loss) carried forward14€5k€6k▲
Amounts payable17/49€29k€21k▼
Amounts payable within one year42/48€29k€21k▼
Trade debts44€19k€19k▲
Suppliers440/4€19k€19k▲
Taxes, remuneration and social security45€2k€779▼
Taxes450/3€2k€779▼
Other amounts payable47/48€9k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k=
Other operating charges640/8€307€241▼
Gross operating margin9900€13k€3k▼
Operating profit (loss)9901€11k€1k▼
Financial charges65/66B€220€246▲
Recurring financial charges65€220€246▲
Profit (loss) for the period before taxes9903€11k€1k▼
Profit (loss) for the period9904€11k€1k▼
Profit (loss) for the period to be appropriated9905€11k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€6k▲
Profit (loss) brought forward from the previous period14P€-6k€5k▲
The notes to these accounts (8 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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-6k ▼1809%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Etterbeek · 1 establishment unit since 2021
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.
Jachtlaan 133-1351040 EtterbeekGround area
399 m²
Building footprint
123 m²
Volume, LiDAR
1,681 m³
2 parcels, Brussels, Wallonia · tallest building 17.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
MZ CHEVALIER
since 20212.324.032.995
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25112M0228/00K000 | Wallonia | 324 m² | 1 · 59 m² | 15.9 m · 5 fl. |
| 21364B0183/00H003 | Brussels | 75 m² | 1 · 63 m² | 17.8 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 10,524 companies in sector 47110 we hold annual accounts for 5,860. 3,949 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-10-2021
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
10510Manufacture of food products
46331Wholesale trade
47251Retail sale of wines and spirits
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.