Super-Versmarkt M & V
ActiveSuper-Versmarkt M & V has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €386k and a net result of €142k. Equity is growing by ~49% per year across the filed fiscal years. Its solvency ranks better than 75% of 7924 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+4
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 3.77 against 2.28 in 2024), and 30.1% 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
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
69.9%
Return on assets
25.7%
Age of the figures
9 mo
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 →
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 30-06-2026, 31 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
31 d early
2024
16 d early
2023
23 d early
2022
12 d early
2021
29 d late
2020
58 d late
2019
76 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€386k▲ 58.3%
2024 · €244k
2018: €-230k
2019: €-230k
2020: €-162k
2021: €-64k
2022: €23k
2023: €160k
2024: €244k
2018 → 2025
Total assets
€552k▲ 16.6%
2024 · €474k
2018: €619k
2019: €911k
2020: €569k
2021: €552k
2022: €465k
2023: €406k
2024: €474k
2018 → 2025
Net result
€142k▲ 70.6%
2024 · €83k
2018: €-335k
2019: €-335k
2020: €-35k
2021: €98k
2022: €86k
2023: €138k
2024: €83k
2018 → 2025
Working capital
€327k▲ 78.8%
2024 · €183k
2018: €-279k
2019: €-373k
2020: €-162k
2021: €31k
2022: €49k
2023: €85k
2024: €183k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-64k-€23k€160k▲ 607%€244k▲ 51.9%€386k▲ 58.3%
Operating result€104k-€105k▲ 0.2%€198k▲ 89.6%€129k▼ 34.7%€209k▲ 61.8%
Net result€98k-€86k▼ 12.1%€138k▲ 59.2%€83k▼ 39.5%€142k▲ 70.6%
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 recovers in 2025; 2025 is 62% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €552k
Fixed assets
€107k▼ 27.9%
Current assets
€445k▲ 36.8%
Equity and liabilities €552k
Equity
€386k▲ 58.3%
Debt
€166k▼ 27.6%
The debt ratio falls from 48.6% to 30.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€251k▲
2024 · €199k
Cash flow
€183k▲
2024 · €153k
Solvency
69.9%▲
2024 · 51.4%
Current ratio
3.77▲
2024 · 2.28
Quick ratio
2.60▲
2024 · 1.30
Debt / equity
0.43▼
2024 · 0.94
ROE
36.8%▲
2024 · 34.2%
ROA
25.7%▲
2024 · 17.6%
Interest coverage
29.71▲
2024 · 15.32
Debt
€166k▼
2024 · €230k
Debt ≤ 1 year
€118k▼
2024 · €143k
Debt > 1 year
€45k▼
2024 · €84k
Income taxes
€67k▲
2024 · €38k
Staff costs
€765▼
2024 · €2k
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€474k€552k▲
Fixed assets21/28€148k€107k▼
Tangible fixed assets22/27€143k€102k▼
Land and buildings22€39k€30k▼
Plant, machinery and equipment23€101k€70k▼
Furniture and vehicles24€3k€1k▼
Financial fixed assets28€5k€5k=
Current assets29/58€326k€445k▲
Stocks and contracts in progress3€140k€139k▼
Stocks30/36€140k€139k▼
Amounts receivable within one year40/41€50k€53k▲
Trade receivables40€6k€8k▲
Other amounts receivable41€44k€44k▲
Current investments50/53€70k€240k▲
Cash at bank and in hand54/58€57k€6k▼
Deferred charges and accrued income490/1€8k€8k▲
Equity and liabilities
Total equity and liabilities10/49€474k€552k▲
Equity10/15€244k€386k▲
Contributions10/11€105k€105k=
Reserves13€307k€449k▲
Distributable reserves133€307k€449k▲
Profit (loss) carried forward14€-169k€-169k=
Amounts payable17/49€230k€166k▼
Amounts payable after more than one year17€84k€45k▼
Financial debts170/4€84k€45k▼
Amounts payable within one year42/48€143k€118k▼
Current portion of amounts payable after more than one year42€38k€38k▲
Financial debts43€8k€14k▲
Credit institutions430/8€8k€14k▲
Trade debts44€69k€56k▼
Suppliers440/4€69k€56k▼
Taxes, remuneration and social security45€19k€1k▼
Taxes450/3€19k€1k▼
Other amounts payable47/48€8k€8k=
Accrued charges and deferred income492/3€4k€3k▼
Income statement
Code20242025
Remuneration, social security and pensions62€2k€765▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€70k€41k▼
Other operating charges640/8€5k€5k▲
Gross operating margin9900€206k€257k▲
Operating profit (loss)9901€129k€209k▲
Financial income75/76B€5k€8k▲
Recurring financial income75€5k€8k▲
Financial charges65/66B€13k€8k▼
Recurring financial charges65€13k€8k▼
Profit (loss) for the period before taxes9903€121k€209k▲
Income taxes67/77€38k€67k▲
Profit (loss) for the period9904€83k€142k▲
Profit (loss) for the period to be appropriated9905€83k€142k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-86k€-27k▲
Profit (loss) brought forward from the previous period14P€-169k€-169k=
Transfer to equity691/2€83k€142k▲
To other reserves6921€83k€142k▲
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (13 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €142k ▲70.6%
Operating result €209k, net result €142k, both a record.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €200kEq €244k ▲51.9%
4 profitable years in a row build equity to €244k.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €150kEq €160k ▲607%
3 profitable years in a row build equity to €160k.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 29 days late
2021
31-12
Financial
Back to profitnet €98k
Net result €98k after 3 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 1.17
Current ratio from 0.52 to 1.17; short-term debt falls from €335k to €180k.
27-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 58 days late
2020
15-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 76 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Maaseik · 1 establishment unit since 2017
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.
Dorperberg 323680 MaaseikGround area
1,982 m²
Building footprint
724 m²
Volume, LiDAR
1,088 m³
2 parcels, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SPAR express meldert
since 20172.264.751.446
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72028C0017/00A002 | Flanders | 1,489 m² | 1 · 189 m² | 8.7 m · 2 fl. |
| 71038D0068/00H000 | Flanders | 492 m² | 1 · 535 m² | - |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 960 EUR awarded · 960 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 240 EUR | 240 EUR |
| 2024 | 1 | 240 EUR | 240 EUR |
| 2023 | 1 | 240 EUR | 480 EUR |
| 2022 | 1 | 240 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteLummen2.264.751.446
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Davy
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LUPUS SPORTMANAGEMENT
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Gent · Eq €393k
Of 1,632 companies in sector 46170 we hold annual accounts for 662. 392 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-05-2017
Fiscal year end31-12
Activities, NACEBEL
46170Agents in the wholesale of food, beverages and tobacco
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:sparexpressmeldert@outlook.com
Phone:013/312064