MD Sint-Truiden
ActiveSummary
The computed 12-month bankruptcy probability of MD Sint-Truiden is 2.0% (moderate). The 2025 annual accounts show equity of €949k and a net result of €-151k. Its solvency ranks better than 52% of 10359 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability61
Solvency64
Growth-
Track record67
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days only on tighter terms
Liquidity tight (current ratio 1.11; short-term debt: 58.6% and cash: 3% of total assets), and 61.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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 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
38.7%
Return on assets
-6.2%
Age of the figures
9 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 31-08-2026, 31 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 · 1 filingDeviation from the deadline
2025
31 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, abbreviated schema
Equity
€949k
Total assets
€2.45M
Net result
€-151k
Working capital
€162k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €2.45M
Fixed assets
€854k
Current assets
€1.60M
Equity and liabilities €2.45M
Equity
€949k
Debt
€1.50M
Debt finances 61.3% of the balance-sheet total.
Key figures and ratios
EBITDA
€151k
Cash flow
€143k
Current ratio
1.11
Quick ratio
0.72
Debt to equity
1.58
ROE
-16.0%
ROA
-6.2%
Interest coverage
305.67
Debt ≤ 1 year
€1.43M
Income taxes
€18k
Staff costs
€2.75M
Filed annual accounts As filed with the NBB · 2025 · 43 lines
Balance sheet
Code2025
Assets
Total assets20/58€2.45M
Fixed assets21/28€854k
Intangible fixed assets21€370k
Tangible fixed assets22/27€484k
Plant, machinery and equipment23€484k
Current assets29/58€1.60M
Stocks and contracts in progress3€563k
Stocks30/36€563k
Amounts receivable within one year40/41€960k
Trade receivables40€72k
Other amounts receivable41€889k
Cash at bank and in hand54/58€73k
Equity and liabilities
Total equity and liabilities10/49€2.45M
Equity10/15€949k
Contributions10/11€500k
Revaluation surpluses12€444k
Reserves13€5k
Distributable reserves133€5k
Amounts payable17/49€1.50M
Amounts payable within one year42/48€1.43M
Trade debts44€950k
Suppliers440/4€950k
Taxes, remuneration and social security45€438k
Taxes450/3€18k
Remuneration and social security454/9€420k
Other amounts payable47/48€47k
Accrued charges and deferred income492/3€67k
Income statement
Code2025
Remuneration, social security and pensions62€2.75M
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€294k
Other operating charges640/8€53k
Gross operating margin9900€2.96M
Operating profit (loss)9901€-143k
Financial income75/76B€10k
Recurring financial income75€10k
Financial charges65/66B€495
Recurring financial charges65€495
Profit (loss) for the period before taxes9903€-133k
Income taxes67/77€18k
Profit (loss) for the period9904€-151k
Profit (loss) for the period to be appropriated9905€-151k
Appropriation of the result
Profit (loss) to be appropriated9906€-151k
Transfer from equity791/2€151k
Social balance
Average headcount (FTE)9087275,457.6
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
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Sint-Truiden · 1 establishment unit since 2024
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.
Kennedylaan 43800 Sint-TruidenGround area
4,465 m²
Building footprint
2,967 m²
Volume, LiDAR
15,340 m³
Parcel 71352D0823/00L002, Flanders · tallest building 10.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
AD Delhaize Sint-Truiden
since 20242.362.349.678
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71352D0823/00L002 | Flanders | 4,465 m² | 1 · 2,967 m² | 10.8 m · 2 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 to 2025 · 2 entries · 1,958 EUR awarded · 1,958 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 1,958 EUR |
| 2024 | 1 | 1,958 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Truiden2.362.349.678
Similar companies · same sector, comparable size
DISTRY-WAREMME
BE 0882.681.192
Aubel · Eq €947,509
G & M Versmarkt
BE 0643.897.183
Zonhoven · Eq €946,965
BRUMAR
BE 0421.598.028
Oud-Heverlee · Eq €950,831
WILKRING
BE 0701.749.864
Antwerpen · Eq €944,193
TIGIDI
BE 0460.258.367
Liège · Eq €943,870
Of 10,519 companies in sector 47110 we hold annual accounts for 5,857. 2,325 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
Founded26-06-2024
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.