MAMAURI
ActiveSummary
MAMAURI has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €115k and a net result of €36k. Equity is shrinking by ~6.7% per year across the filed fiscal years. Its solvency ranks better than 54% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+7
Solvency64▲+9
Growth58=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.58 against 2.12 in 2024; short-term debt: 34.4% and cash: 11.4% of total assets), but 61.3% 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 →
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
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
38.7%
Return on assets
12.1%
Age of the figures
12 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €115k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 02-04-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
1 d early
2023
33 d early
2022
25 d early
2021
18 d early
2020
9 d early
2019
28 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€115k▲ 45.3%
2024 · €79k
2018: €122k
2019: €124k
2020: €103k
2021: €70k
2022: €59k
2023: €63k
2024: €79k
2018 → 2025
Total assets
€297k▲ 13.2%
2024 · €262k
2018: €319k
2019: €319k
2020: €302k
2021: €254k
2022: €243k
2023: €238k
2024: €262k
2018 → 2025
Net result
€36k▲ 118%
2024 · €16k
2018: €3k
2019: €2k
2020: €-22k
2021: €-33k
2022: €-11k
2023: €4k
2024: €16k
2018 → 2025
Working capital
€161k▲ 38.9%
2024 · €116k
2018: €87k
2019: €112k
2020: €112k
2021: €101k
2022: €88k
2023: €90k
2024: €116k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€70k-€59k▼ 16.4%€63k▲ 6.8%€79k▲ 26.2%€115k▲ 45.3%
Operating result€-35k-€-13k▲ 62.2%€2k€13k▲ 586%€33k▲ 154%
Net result€-33k-€-11k▲ 64.7%€4k€16k▲ 309%€36k▲ 118%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 154% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €297k
Fixed assets
€34k ▼ 21.4%
Current assets
€263k ▲ 20.0%
Equity and liabilities €297k
Equity
€115k ▲ 45.3%
Debt
€182k ▼ 0.7%
Debt's share of the balance-sheet total falls from 69.9% to 61.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€42k▲
2024 · €23k
Cash flow
€45k▲
2024 · €27k
Current ratio
2.58▲
2024 · 2.12
Quick ratio
0.40▲
2024 · 0.23
Debt to equity
1.59▼
2024 · 2.32
ROE
31.2%▲
2024 · 20.8%
ROA
12.1%▲
2024 · 6.3%
Interest coverage
42.68▲
2024 · 35.45
Debt ≤ 1 year
€102k▼
2024 · €103k
Debt > 1 year
€80k=
2024 · €80k
Income taxes
€139▼
2024 · €144
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€262k€297k▲
Fixed assets21/28€43k€34k▼
Intangible fixed assets21€8k€5k▼
Tangible fixed assets22/27€34k€27k▼
Land and buildings22€24k€21k▼
Plant, machinery and equipment23€347€401▲
Furniture and vehicles24€6k€4k▼
Other tangible fixed assets26€3k€2k▼
Financial fixed assets28€2k€2k=
Current assets29/58€219k€263k▲
Stocks and contracts in progress3€196k€222k▲
Stocks30/36€196k€222k▲
Amounts receivable within one year40/41€3k€4k▲
Trade receivables40€2k€4k▲
Other amounts receivable41€316€684▲
Cash at bank and in hand54/58€18k€34k▲
Deferred charges and accrued income490/1€2k€2k=
Equity and liabilities
Total equity and liabilities10/49€262k€297k▲
Equity10/15€79k€115k▲
Contributions10/11€120k€120k=
Reserves13€9k€9k=
Non-distributable reserves130/1€0-
Other1319€0-
Tax-exempt reserves132€6k€6k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-50k€-14k▲
Amounts payable17/49€183k€182k▼
Amounts payable after more than one year17€80k€80k=
Other amounts payable178/9€80k€80k=
Amounts payable within one year42/48€103k€102k▼
Trade debts44€8k€20k▲
Suppliers440/4€8k€20k▲
Advances received on contracts in progress46€5k€6k▲
Taxes, remuneration and social security45€9k€12k▲
Taxes450/3€9k€12k▲
Other amounts payable47/48€81k€64k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€25k€44k▲
Operating profit (loss)9901€13k€33k▲
Financial income75/76B€4k€4k▼
Recurring financial income75€4k€4k▼
Financial charges65/66B€651€995▲
Recurring financial charges65€651€995▲
Profit (loss) for the period before taxes9903€17k€36k▲
Income taxes67/77€144€139▼
Profit (loss) for the period9904€16k€36k▲
Profit (loss) for the period to be appropriated9905€16k€36k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-50k€-14k▲
Profit (loss) brought forward from the previous period14P€-66k€-50k▲
The notes to these accounts (10 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
02-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €36k ▲118%
Operating result €33k, net result €36k, both a record.
30-09
Financial
Equity above €100kEq €115k ▲45.3%
3 profitable years in a row build equity to €115k.
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €4k
Net result €4k after 3 loss-making years.
05-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
12-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Weakest financial yearnet €-33k
Net result drops to €-33k, the lowest in the series; recovery starts the following year.
21-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
02-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
12-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Kuurne · 1 establishment unit since 2011
Ground area
140 m²
Building footprint
140 m²
Volume, LiDAR
1,226 m³
Parcel 34023C0443/00R004, Flanders · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
entrenousdeux
since 20112.197.141.060
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34023C0443/00R004 | Flanders | 140 m² | 1 · 140 m² | 11.5 m · 3 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 750 EUR awarded · 750 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 750 EUR | 750 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 284 companies in sector 47554 we hold annual accounts for 92. 67 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-03-2011
Fiscal year end30-09
Activities, NACEBEL 2025
47554Retail trade
47711Retail sale of women's outerwear
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.