MIA
ActiveSummary
MIA has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €38k and a net result of €17k. Equity is growing by ~7.6% per year across the filed fiscal years. Its solvency ranks better than 76% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+15
Solvency90▲+37
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.78 against 1.35 in 2024; short-term debt: 34.8% and cash: 73.8% of total assets), and 34.8% of the assets are financed with debt.
Credit check 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 · 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
65.2%
Return on assets
30%
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 25-08-2026, 25 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
25 d late
2024
53 d late
2023
51 d late
2022
45 d late
2021
95 d late
2020
12 d early
2019
43 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€38k▲ 85.4%
2024 · €20k
2018: €11k
2019: €15k
2020: €30k
2021: €29k
2022: €28k
2023: €6k
2024: €20k
2018 → 2025
Total assets
€58k▼ 21.1%
2024 · €73k
2018: €67k
2019: €134k
2020: €101k
2021: €72k
2022: €95k
2023: €64k
2024: €73k
2018 → 2025
Net result
€17k▲ 23.7%
2024 · €14k
2018: €17k
2019: €4k
2020: €15k
2021: €-782
2022: €-1k
2023: €-22k
2024: €14k
2018 → 2025
Working capital
€36k▲ 93.8%
2024 · €19k
2018: €10k
2019: €15k
2020: €30k
2021: €29k
2022: €28k
2023: €5k
2024: €19k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€29k-€28k▼ 5.1%€6k▼ 77.4%€20k▲ 223%€38k▲ 85.4%
Operating result€5k-€2k▼ 55.2%€-18k€19k€25k▲ 30.8%
Net result€-782-€-1k▼ 91.9%€-22k▼ 1,340%€14k€17k▲ 23.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 31% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €58k
Fixed assets
€2k =
Current assets
€56k ▼ 21.7%
Equity and liabilities €58k
Equity
€38k ▲ 85.4%
Debt
€20k ▼ 62.0%
Debt's share of the balance-sheet total falls from 72.3% to 34.8%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
2.78▲
2024 · 1.35
Quick ratio
2.62▲
2024 · 0.34
Debt to equity
0.53▼
2024 · 2.61
ROE
46.1%▼
2024 · 69.0%
ROA
30.0%▲
2024 · 19.1%
Debt ≤ 1 year
€20k▼
2024 · €53k
Income taxes
€4k
Staff costs
€13k▼
2024 · €19k
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€73k€58k▼
Fixed assets21/28€2k€2k=
Financial fixed assets28€2k€2k=
Current assets29/58€72k€56k▼
Stocks and contracts in progress3€54k€3k▼
Stocks30/36€54k€3k▼
Amounts receivable within one year40/41€4k€9k▲
Trade receivables40€80€5k▲
Other amounts receivable41€4k€4k▲
Cash at bank and in hand54/58€14k€43k▲
Deferred charges and accrued income490/1€600€600=
Equity and liabilities
Total equity and liabilities10/49€73k€58k▼
Equity10/15€20k€38k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€12k€30k▲
Amounts payable17/49€53k€20k▼
Amounts payable within one year42/48€53k€20k▼
Trade debts44€10k€16k▲
Suppliers440/4€10k€16k▲
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€1k€4k▲
Remuneration and social security454/9€2k€582▼
Other amounts payable47/48€40k-
Accrued charges and deferred income492/3-€19
Income statement
Code20242025
Remuneration, social security and pensions62€19k€13k▼
Other operating charges640/8€1k€5k▲
Gross operating margin9900€40k€44k▲
Operating profit (loss)9901€19k€25k▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€14k€21k▲
Income taxes67/77-€4k
Profit (loss) for the period9904€14k€17k▲
Profit (loss) for the period to be appropriated9905€14k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€30k▲
Profit (loss) brought forward from the previous period14P€-2k€12k▲
The notes to these accounts (2 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Highest result since 2018net €17k ▲23.7%
Net result €17k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 2.78
Current ratio from 1.35 to 2.78; short-term debt falls from €53k to €20k.
22-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 53 days late
2024
31-12
Financial
Back to profitnet €14k
Net result €14k after 3 loss-making years.
20-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 51 days late
2023
31-12
Financial
Weakest financial yearnet €-22k
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
14-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 45 days late
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 95 days late
2021
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
18-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
18-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Tournai · 2 establishment units 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.
Rue Saint-Martin(TOU) 1197500 TournaiGround area
125 m²
Building footprint
86 m²
Volume, LiDAR
799 m³
2 parcels, Wallonia · tallest building 15.2 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
TABAC SHOP
since 20182.275.680.772
MIA
since 20242.358.851.542
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57081I0745/00_000 | Wallonia | 96 m² | 1 · 59 m² | 15.2 m · 5 fl. |
| 57081G0583/00_000 | Wallonia | 29 m² | 1 · 27 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.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesTournai2.275.680.772
Tournai2.358.851.542
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Of 10,519 companies in sector 47110 we hold annual accounts for 5,857. 4,539 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
Founded28-10-2010
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
47251Retail sale of wines and spirits
47252Retail sale of beverages, general range
47260Retail trade
61100Wired, wireless and satellite telecommunications
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.