SI & MO
ActiveSI & MO has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €64k and a net result of €-3k. Equity is growing by ~14.4% per year across the filed fiscal years. Its solvency ranks better than 52% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability67▼-6
Solvency60▲+2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity short (current ratio 0.37 against 0.23 in 2023; short-term debt: 65.1% and cash: 4% of total assets), and 65.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 →
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 2024Solvency, return and age of the figures
Solvency
34.9%
Return on assets
-1.5%
Age of the figures
21 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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
not confirmed
2024
61 d late
2023
61 d late
2022
32 d late
2021
81 d late
2020
47 d late
2019
91 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€64k▼ 4.2%
2023 · €66k
2018: €23k
2019: €20k
2020: €35k
2021: €60k
2022: €61k
2023: €66k
2018 → 2024
Total assets
€183k▼ 8.8%
2023 · €200k
2018: €87k
2019: €155k
2020: €135k
2021: €124k
2022: €118k
2023: €200k
2018 → 2024
Net result
€-3k
2023 · €7k
2018: €-9
2019: €-2k
2020: €14k
2021: €31k
2022: €4k
2023: €7k
2018 → 2024
Working capital
€-75k▲ 26.9%
2023 · €-103k
2018: €-17k
2019: €-89k
2020: €-67k
2021: €-33k
2022: €-8k
2023: €-103k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€35k-€60k▲ 73.1%€61k▲ 1.4%€66k▲ 9.2%€64k▼ 4.2%
Operating result€17k-€35k▲ 104%€5k▼ 86.2%€10k▲ 100%€-3k
Net result€14k-€31k▲ 120%€4k▼ 87.8%€7k▲ 88.2%€-3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €3k after €10k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €183k
Fixed assets
€139k▼ 17.9%
Current assets
€44k▲ 41.4%
Equity and liabilities €183k
Equity
€64k▼ 4.2%
Debt
€119k▼ 11.1%
The debt ratio falls from 66.8% to 65.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€26k▼
2023 · €32k
Cash flow
€25k▼
2023 · €30k
Solvency
34.9%▲
2023 · 33.2%
Current ratio
0.37▲
2023 · 0.23
Quick ratio
0.12▲
2023 · 0.06
Debt / equity
1.87▼
2023 · 2.01
ROE
-4.3%▼
2023 · 10.9%
ROA
-1.5%▼
2023 · 3.6%
Interest coverage
113.12▼
2023 · 146.44
Debt
€119k▼
2023 · €134k
Debt ≤ 1 year
€119k▼
2023 · €134k
Income taxes
€44▼
2023 · €3k
Staff costs
€70k▼
2023 · €73k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€200k€183k▼
Fixed assets21/28€169k€139k▼
Intangible fixed assets21€177€59▼
Tangible fixed assets22/27€169k€139k▼
Land and buildings22€101k€96k▼
Plant, machinery and equipment23€7k€5k▼
Furniture and vehicles24€61k€38k▼
Financial fixed assets28€135€135=
Current assets29/58€31k€44k▲
Stocks and contracts in progress3€22k€29k▲
Stocks30/36€22k€29k▲
Amounts receivable within one year40/41€5k€5k▼
Trade receivables40€4k€2k▼
Other amounts receivable41€2k€3k▲
Cash at bank and in hand54/58€2k€7k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€200k€183k▼
Equity10/15€66k€64k▼
Contributions10/11€16k€16k=
Reserves13€45k€45k=
Distributable reserves133€45k€45k=
Profit (loss) carried forward14€6k€3k▼
Amounts payable17/49€134k€119k▼
Amounts payable within one year42/48€134k€119k▼
Financial debts43€56k€35k▼
Other loans439€56k€35k▼
Trade debts44€48k€49k▲
Suppliers440/4€48k€49k▲
Advances received on contracts in progress46-€84
Taxes, remuneration and social security45€29k€33k▲
Taxes450/3€4k€6k▲
Remuneration and social security454/9€25k€27k▲
Other amounts payable47/48€2k€2k=
Accrued charges and deferred income492/3€9€73▲
Income statement
Code20232024
Remuneration, social security and pensions62€73k€70k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€28k▲
Other operating charges640/8€2k€9k▲
Gross operating margin9900€107k€104k▼
Operating profit (loss)9901€10k€-3k▼
Financial income75/76B€467€56▼
Recurring financial income75€467€56▼
Financial charges65/66B€220€226▲
Recurring financial charges65€220€226▲
Profit (loss) for the period before taxes9903€10k€-3k▼
Income taxes67/77€3k€44▼
Profit (loss) for the period9904€7k€-3k▼
Profit (loss) for the period to be appropriated9905€7k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€3k▼
Profit (loss) brought forward from the previous period14P€7k€6k▼
Transfer to equity691/2€7k-
To other reserves6921€7k-
Profit to be distributed694/7€2k-
Return on contributions (dividend)694€2k-
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet €-3k ▼138%
Net result drops to €-3k, the lowest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
20-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 81 days late
2021
31-12
Financial
Highest result since 2018net €31k ▲120%
Operating result €35k, net result €31k, both a record.
16-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 47 days late
2020
31-12
Financial
Back to profitnet €14k
Net result €14k after 2 loss-making years.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
2016
24-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Antwerpen · 1 establishment unit since 2008
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.
Jules Pauwelsstraat 712660 AntwerpenGround area
456 m²
Building footprint
325 m²
Volume, LiDAR
1,425 m³
2 parcels, Flanders · tallest building 10.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SI & MO
since 20082.170.692.526
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11382A0331/00X007 | Flanders | 395 m² | 1 · 264 m² | 10.9 m · 1 fl. |
| 11019B0063/00T002 | Flanders | 61 m² | 1 · 61 m² | 8.5 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.170.692.526
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Of 4,245 companies in sector 47789 we hold annual accounts for 1,020. 793 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-04-2008
Fiscal year end31-12
Activities, NACEBEL
47279Other retail sale of food
47299Retail trade
47789Other retail sale of new goods
47890Retail trade
46190Agents in non-specialised wholesale trade
47210Retail sale of fruit and vegetables
47810Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 16 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.
Contact details
2 entriesE-mail:naaim9@hotmail.com
Phone:0497816508