M.S.K. Mode
ActiveM.S.K. Mode has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €3k. Equity is shrinking by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 38% of 10877 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
66
/ 100
Healthy▲ +54 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▲+66
Solvency40=
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.99 against 0.81 in 2024), and 73.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 →
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
26.5%
Return on assets
3.5%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 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
14 d late
2024
28 d late
2022
144 d late
2021
134 d late
2020
226 d late
2019
49 d late
2018
29 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
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€3k
2024 · €-10k
2021: €-8k
2022: €2k
2024: €-10k
2021 → 2025
Working capital
€-842▲ 90.2%
2024 · €-9k
2021: €22k
2022: €24k
2024: €-9k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220242025Trend
Equity€22k-€24k▲ 6.8%€18k▼ 24.9%€20k▲ 15.1%
Operating result€-8k-€2k€-9k€5k
Net result€-8k-€2k€-10k€3k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €5k after a loss of €9k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €77k
Fixed assets
€21k▼ 19.1%
Current assets
€56k▲ 54.3%
Equity and liabilities €77k
Equity
€20k▲ 15.1%
Debt
€57k▲ 26.7%
The debt ratio rises from 71.6% to 73.5%: debt grows faster than equity.
Key figures and ratios
EBITDA
€10k▲
2024 · €-4k
Cash flow
€8k▲
2024 · €-4k
Solvency
26.5%▼
2024 · 28.4%
Current ratio
0.99▲
2024 · 0.81
Quick ratio
0.63▲
2024 · 0.36
Debt / equity
2.77▲
2024 · 2.52
ROE
13.1%▲
2024 · -54.4%
ROA
3.5%▲
2024 · -15.5%
Interest coverage
115.81▲
2024 · -8.52
Debt
€57k▲
2024 · €45k
Debt ≤ 1 year
€57k▲
2024 · €45k
Income taxes
€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
Total assets
20/58€63k€77k▲
Fixed assets
21/28€26k€21k▼
Tangible fixed assets
22/27€26k€21k▼
Current assets
29/58€36k€56k▲
Stocks & contracts in progress
3€20k€20k=
Amounts receivable within one year
40/41€11k€35k▲
Cash & bank
54/58€5k€963▼
Total equity & liabilities
10/49€63k€77k▲
Equity
10/15€18k€20k▲
Contributions / capital
10/11€19k€19k=
Reserves
13€2k€2k=
Accumulated profits (losses)
14€-3k€19▲
Amounts payable
17/49€45k€57k▲
Amounts payable within one year
42/48€45k€57k▲
Trade debts payable within one year
44€21k€30k▲
Income statement
Code20242025
Gross operating margin
9900€-4k€10k▲
Operating result
9901€-9k€5k▲
Financial charges
65€451€83▼
Result before taxes
9903€-10k€4k▲
Income taxes
67/77-€2k
Net result for the period
9904€-10k€3k▲
Result to be appropriated
9905€-10k€3k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 14 days late
2025
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
07-03
State Gazette act
Statutes amendment
v3.2
2024
31-12
Financial
Weakest financial yearnet €-10k ▼665%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
2023
22-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 144 days late
2022
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
12-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 134 days late
14-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 226 days late
2020
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 49 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 21 days late
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 29 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 1 act read
Directors · office · real estate
Directors
1 director, no change since 2025
ABBAS Shamila
CurrentDirector · since 07-03-2025
07-03-2025
Appointed as Director
Location & real-estate footprint
Registered office, Liège · 1 establishment unit since 1999
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.
Féronstrée 284000 LiègeGround area
661 m²
Building footprint
217 m²
Volume, LiDAR
4,408 m³
Parcel 62810C1070/00C000, Wallonia · tallest building 25.5 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Féronstrée 28, 4000 Liège
since 19992.091.761.151
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62810C1070/00C000 | Wallonia | 661 m² | 1 · 217 m² | 25.5 m · 7 fl. |
Linked by address, not proof of ownership
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.
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
KAMALAYA
BE 0650.536.438
Mol · Eq €20k
DAPHNE
BE 0451.230.340
Waterloo · Eq €20k
MISS FASHION
BE 0642.829.292
Brussel · Eq €20k
LFA
BE 0735.610.089
Rumst · Eq €20k
Zonhoeve
BE 0896.138.260
Bilzen-Hoeselt · Eq €20k
Of 1,273 companies in sector 46160 we hold annual accounts for 658. 430 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-06-1999
Fiscal year end31-12
Activities, NACEBEL
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
51160
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
52421
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 20-07-2026. Scores and ratios are computed by Checked and are not a credit decision.