S.MINI-MALL
ActiveS.MINI-MALL has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-139k) and a net result of €-22k. Equity is shrinking by ~57.8% per year across the filed fiscal years. Its solvency ranks better than 8% of 7993 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
38
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability14▲+14
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.13 against 0.83 in 2024; short-term debt: 8.4% and cash: 0.5% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-25.3%
Return on assets
-4%
Age of the figures
9 mo
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-139k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 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 · 10 filingsDeviation from the deadline
2025
3 d late
2024
13 d early
2023
68 d late
2022
108 d late
2021
13 d early
2020
82 d late
2019
24 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, abbreviated schema
Equity
€-139k▼ 18.8%
2024 · €-117k
2018: €36k
2019: €171k
2020: €69k
2021: €37k
2022: €-25k
2023: €-87k
2024: €-117k
2018 → 2025
Total assets
€549k▲ 753%
2024 · €64k
2018: €98k
2019: €281k
2020: €173k
2021: €113k
2022: €173k
2023: €128k
2024: €64k
2018 → 2025
Net result
€-22k▲ 27.0%
2024 · €-30k
2018: €-22k
2019: €-1k
2020: €13k
2021: €-32k
2022: €-62k
2023: €-62k
2024: €-30k
2018 → 2025
Working capital
€6k
2024 · €-10k
2018: €38k
2019: €84k
2020: €72k
2021: €33k
2022: €82k
2023: €1k
2024: €-10k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€37k-€-25k€-87k▼ 250%€-117k▼ 34.6%€-139k▼ 18.8%
Operating result€-30k-€-57k▼ 88.0%€-60k▼ 6.4%€-19k▲ 68.9%€-14k▲ 22.8%
Net result€-32k-€-62k▼ 93.1%€-62k▼ 0.5%€-30k▲ 51.6%€-22k▲ 27.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €14k in 2025 against €19k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €549k
Fixed assets
€497k▲ 3,540%
Current assets
€52k▲ 2.5%
Key figures and ratios
EBITDA
€-4k▲
2024 · €-10k
Cash flow
€-11k▲
2024 · €-22k
Solvency
-25.3%▲
2024 · -181.6%
Current ratio
1.13▲
2024 · 0.83
Quick ratio
1.13▲
2024 · 0.83
Debt / equity
-4.96▼
2024 · -1.55
ROA
-4.0%▲
2024 · -46.7%
Interest coverage
-0.72▲
2024 · -5.93
Debt
€688k▲
2024 · €181k
Debt ≤ 1 year
€46k▼
2024 · €61k
Debt > 1 year
€642k▲
2024 · €119k
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€64k€549k▲
Fixed assets21/28€14k€497k▲
Tangible fixed assets22/27€14k€497k▲
Land and buildings22-€492k
Plant, machinery and equipment23€146-
Other tangible fixed assets26€13k€5k▼
Financial fixed assets28€25€25=
Current assets29/58€51k€52k▲
Amounts receivable within one year40/41€50k€48k▼
Trade receivables40€27k€29k▲
Other amounts receivable41€23k€19k▼
Cash at bank and in hand54/58€403€3k▲
Deferred charges and accrued income490/1€770€811▲
Equity and liabilities
Total equity and liabilities10/49€64k€549k▲
Equity10/15€-117k€-139k▼
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Share premium1100/10€19k€19k=
Reserves13€23k€23k=
Tax-exempt reserves132€22k€22k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-159k€-181k▼
Amounts payable17/49€181k€688k▲
Amounts payable after more than one year17€119k€642k▲
Financial debts170/4€119k€642k▲
Amounts payable within one year42/48€61k€46k▼
Current portion of amounts payable after more than one year42€2k€16k▲
Trade debts44€32k€24k▼
Suppliers440/4€32k€24k▼
Taxes, remuneration and social security45€2k-
Taxes450/3€2k-
Other amounts payable47/48€26k€6k▼
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Non-recurring operating income76A€19k€10k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€11k▲
Other operating charges640/8€3k€1k▼
Non-recurring operating charges66A€1k€848▼
Gross operating margin9900€-6k€-2k▲
Operating profit (loss)9901€-19k€-14k▲
Financial income75/76B-€46
Recurring financial income75-€46
Financial charges65/66B€11k€8k▼
Recurring financial charges65€2k€5k▲
Non-recurring financial charges66B€10k€2k▼
Profit (loss) for the period before taxes9903€-30k€-22k▲
Profit (loss) for the period9904€-30k€-22k▲
Profit (loss) for the period to be appropriated9905€-30k€-22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-159k€-181k▼
Profit (loss) brought forward from the previous period14P€-129k€-159k▼
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
10-09
State Gazette act
Board meeting · Registered-office moveBoard meeting · Registered-office move2 facts ▸
State Gazette act
Board meeting · Registered-office move
Board meeting · Registered-office move2 facts ▸
- Board meeting, 2026-05-12
- Registered-office move, Laarbeeklaan 4 P2, 1731 Zellik
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 3 days late
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
31-12
Financial
Weakest financial yearnet €-62k
Net result drops to €-62k, the lowest in the series; recovery starts the following year.
16-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 108 days late
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 82 days late
2020
31-12
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
31-12
Financial
Equity above €150kEq €171k ▲379%
Equity rises from €36k to €171k.
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Asse · 2 establishment units since 2006
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.
Laarbeeklaan 41731 AsseGround area
5,371 m²
Building footprint
1,664 m²
Volume, LiDAR
12,391 m³
3 parcels, Flanders · tallest building 14.9 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
ROFOOD
since 20062.157.598.120
R. De Cuyperstraat 17, 1700 Dilbeek
since 20232.344.404.084
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23074A0215/00W000 | Flanders | 4,918 m² | 1 · 1,330 m² | 11.6 m · 2 fl. |
| 23095B0101/00N028 | Flanders | 265 m² | 1 · 181 m² | 14.9 m · 4 fl. |
| 23095B0111/00B010 | Flanders | 188 m² | 1 · 152 m² | 10.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Similar companies · same sector, comparable size
SKYLAX BEHEER
BE 0886.022.348
Brasschaat · Eq €37k
J.B. MARKETING
BE 0865.406.086
Diest · Eq €37k
DISTRIWAAS
BE 0459.220.863
Sint-Niklaas · Eq €37k
CARPOM
BE 0668.479.854
Leuze-en-Hainaut · Eq €38k
HET MEIGEMS FRUITBOERKE
BE 0879.926.986
Deinze · Eq €36k
Of 956 companies in sector 46319 we hold annual accounts for 609. 282 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-11-2006
Fiscal year end31-12
Activities, NACEBEL
46319Wholesale of fruit and vegetables, excluding potatoes
46331Wholesale trade
46349Wholesale of beverages, general range
46360Wholesale trade
46389Wholesale of other food products
46392Non-specialised wholesale
Sources
Crossroads Bank for EnterprisesNational Bank · 19 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.