Miroir45
ActiveMiroir45 has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €288k and a net result of €289k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 78% of 19348 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+100
Solvency94▲+69
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days only on tighter terms
Liquidity ample (current ratio 3.33 against 1.37 in 2023; short-term debt: 30% and cash: 0.3% of total assets), and 30.6% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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 2024Solvency, return and age of the figures
Solvency
69.4%
Return on assets
69.7%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-12-2025, 137 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
137 d late
2023
149 d late
2022
70 d late
2021
74 d late
2020
81 d late
2019
129 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€280k
EBIT margin
84.1%
Net result
€289k
2023 · €-137k
2018: €-16k
2019: €-7k
2020: €220k
2021: €-17k
2022: €-56k
2023: €-137k
2018 → 2024
Working capital
€290k▲ 23.3%
2023 · €235k
2018: €23k
2019: €123k
2020: €664k
2021: €637k
2022: €570k
2023: €235k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€280k-
Equity€209k-€192k▼ 8.1%€136k▼ 29.1%€-887€288k
Operating result€235k-€-839€31k€-130k€342k
Net result€220k-€-17k€-56k▼ 229%€-137k▼ 146%€289k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €342k after a loss of €130k in 2023, the highest result in the available series.
Balance-sheet composition
Equity and liabilities €415k
Equity
€288k
Debt
€127k
Debt finances 30.6% of the balance-sheet total.
Key figures and ratios
Solvency
69.4%▲
2023 · -0.1%
Current ratio
3.33▲
2023 · 1.37
Quick ratio
0.50▲
2023 · 0.13
Debt / equity
0.44
ROE
100.3%
ROA
69.7%▲
2023 · -15.8%
Debt
€127k▼
2023 · €871k
Debt ≤ 1 year
€124k▼
2023 · €635k
Debt > 1 year
€2k▼
2023 · €236k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€870k€415k▼
Current assets29/58€870k€415k▼
Stocks and contracts in progress3€790k€352k▼
Stocks30/36€790k€352k▼
Amounts receivable within one year40/41€51k€61k▲
Trade receivables40€44k€6k▼
Other amounts receivable41€7k€55k▲
Cash at bank and in hand54/58€29k€1k▼
Equity and liabilities
Total equity and liabilities10/49€870k€415k▼
Equity10/15€-887€288k▲
Contributions10/11€12k€12k=
Reserves13€198k€198k=
Distributable reserves133€198k€198k=
Profit (loss) carried forward14€-210k€79k▲
Amounts payable17/49€871k€127k▼
Amounts payable after more than one year17€236k€2k▼
Financial debts170/4€236k€2k▼
Amounts payable within one year42/48€635k€124k▼
Current portion of amounts payable after more than one year42€0-
Trade debts44€98k€115k▲
Suppliers440/4€98k€115k▲
Taxes, remuneration and social security45€4k€4k▼
Taxes450/3€4k€4k▼
Other amounts payable47/48€532k€5k▼
Income statement
Code20232024
Other operating charges640/8€700€56▼
Gross operating margin9900€-130k€342k▲
Operating profit (loss)9901€-130k€342k▲
Financial income75/76B€2-
Recurring financial income75€2-
Financial charges65/66B€251€54k▲
Recurring financial charges65€251€54k▲
Profit (loss) for the period before taxes9903€-131k€289k▲
Income taxes67/77€7k-
Profit (loss) for the period9904€-137k€289k▲
Profit (loss) for the period to be appropriated9905€-137k€289k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-210k€79k▲
Profit (loss) brought forward from the previous period14P€-73k€-210k▼
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
2025
15-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 137 days late
2024
31-12
Financial
Back to profitnet €289k
Net result €289k after 3 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 3.33
Current ratio from 1.37 to 3.33; short-term debt falls from €635k to €124k.
31-12
Financial
Equity above €200kEq €288k
Equity rises from €-887 to €288k.
27-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 149 days late
2023
31-12
Financial
Weakest financial yearnet €-137k
Net result drops to €-137k, the lowest in the series; recovery starts the following year.
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
13-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 74 days late
2021
20-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 81 days late
2020
31-12
Financial
Back to profitnet €220k
Net result €220k after 2 loss-making years.
31-12
Financial
Liquidity quadruplescurrent ratio 5.01
Current ratio from 1.39 to 5.01; short-term debt falls from €315k to €166k.
31-12
Financial
Equity above €200kEq €209k
Equity rises from €-11k to €209k.
07-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 129 days late
2019
23-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 54 days late
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 91 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Anderlecht · 1 establishment unit since 2017
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.
Van Souststraat 11070 AnderlechtGround area
135 m²
Building footprint
135 m²
Volume, LiDAR
1,825 m³
Parcel 21304B0019/00A005, Brussels · tallest building 16.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
miroir45
since 20172.261.137.108
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21304B0019/00A005 | Brussels | 134 m² | 1 · 135 m² | 16.0 m · 5 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.
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Of 7,322 companies in sector 68110 we hold annual accounts for 5,381. 3,857 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-12-2016
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@miroir45.be
Phone:0477/346.468