MANI TRADING
ActiveThe computed 12-month bankruptcy probability of MANI TRADING is 1.5% (moderate). The 2025 annual accounts show equity of €21k and a net result of €4k. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 55% of 18039 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▲+20
Solvency65▲+12
Growth68▲+3
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.64 against 1.36 in 2024; short-term debt: 59.7% and cash: 8.9% of total assets), but 59.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 47
Relative position
BE, all sectors
reference
Sector 47
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
40.3%
Return on assets
8%
Age of the figures
9 mo
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 02-06-2026, 59 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
59 d early
2024
37 d early
2023
211 d late
2022
318 d late
2021
120 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, micro schema
Turnover
€601k▲ 22.3%
2024 · €491k
2023: €418k
2024: €491k
2023 → 2025
EBIT margin
1.4%▲ 0.6pp
2024 · 0.8%
2023: 1.3%
2024: 0.8%
2023 → 2025
Net result
€4k
2024 · €-9k
2021: €6k
2022: €8k
2023: €5k
2024: €-9k
2021 → 2025
Working capital
€20k▲ 31.4%
2024 · €15k
2021: €12k
2022: €20k
2023: €26k
2024: €15k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€418k€491k▲ 17.5%€601k▲ 22.3%
Equity€12k-€20k▲ 63.0%€26k▲ 27.1%€17k▼ 34.8%€21k▲ 24.7%
Operating result€8k-€7k▼ 7.3%€6k▼ 20.7%€4k▼ 28.9%€8k▲ 106%
Net result€6k-€8k▲ 29.7%€5k▼ 29.9%€-9k€4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 106% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €52k
Fixed assets
€1k▼ 34.8%
Current assets
€51k▼ 11.3%
Equity and liabilities €52k
Equity
€21k▲ 24.7%
Debt
€31k▼ 26.6%
The debt ratio falls from 71.5% to 59.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€9k▲
2024 · €4k
Cash flow
€5k▲
2024 · €-9k
Solvency
40.3%▲
2024 · 28.5%
Current ratio
1.64▲
2024 · 1.36
Quick ratio
0.31▲
2024 · 0.13
Debt / equity
1.48▼
2024 · 2.51
ROE
19.8%▲
2024 · -53.5%
ROA
8.0%▲
2024 · -15.2%
Interest coverage
147.02▲
2024 · 92.33
Debt
€31k▼
2024 · €42k
Debt ≤ 1 year
€31k▼
2024 · €42k
Income taxes
€4k▼
2024 · €13k
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€59k€52k▼
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€57k€51k▼
Stocks and contracts in progress3€52k€41k▼
Stocks30/36€52k€41k▼
Amounts receivable within one year40/41€1k€5k▲
Trade receivables40€19€4k▲
Other amounts receivable41€1k€650▼
Cash at bank and in hand54/58€4k€5k▲
Deferred charges and accrued income490/1€110-
Equity and liabilities
Total equity and liabilities10/49€59k€52k▼
Equity10/15€17k€21k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€11k€15k▲
Amounts payable17/49€42k€31k▼
Amounts payable within one year42/48€42k€31k▼
Trade debts44€8k€19k▲
Suppliers440/4€8k€19k▲
Taxes, remuneration and social security45€22k€5k▼
Taxes450/3€11k€3k▼
Remuneration and social security454/9€11k€2k▼
Other amounts payable47/48€12k€7k▼
Income statement
Code20242025
Turnover70€491k€601k▲
Non-recurring operating income76A€446-
Goods, raw materials, services and sundry goods60/61€488k€595k▲
Remuneration, social security and pensions62€1k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€75€586▲
Other operating charges640/8€4k€2k▼
Gross operating margin9900€9k€11k▲
Operating profit (loss)9901€4k€8k▲
Financial income75/76B€57-
Recurring financial income75€57-
Financial charges65/66B€44€59▲
Recurring financial charges65€44€59▲
Profit (loss) for the period before taxes9903€4k€8k▲
Income taxes67/77€13k€4k▼
Profit (loss) for the period9904€-9k€4k▲
Profit (loss) for the period to be appropriated9905€-9k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€11k€15k▲
Profit (loss) brought forward from the previous period14P€19k€11k▼
The notes to these accounts (4 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
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
27-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 211 days late
2024
31-12
Financial
Weakest financial yearnet €-9k ▼263%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 318 days late
2022
31-12
Financial
Highest result since 2021net €8k ▲29.7%
Net result €8k, the highest in the series.
28-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 120 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 2018
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.
Cyriel Buyssestraat 1012020 AntwerpenGround area
175 m²
Building footprint
163 m²
Volume, LiDAR
1,399 m³
Parcel 11809I2356/00C004, Flanders · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
MANI TRADING
since 20182.280.824.940
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11809I2356/00C004 | Flanders | 175 m² | 1 · 163 m² | 10.0 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.280.824.940
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Of 10,529 companies in sector 47110 we hold annual accounts for 5,858. 4,185 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-10-2018
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
46170Agents in the wholesale of food, beverages and tobacco
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.