Skip to content

MIVID

Active
Private limited company·Cafés en bars· 3 yrs active
Place Albert-Elisabeth(SG) 32/34 ·7330 Saint-Ghislain, Belgium
KBO/BCE: BE 0795.421.873
Watch Print / PDF
Age3 yrs
Board1
Staff (FTE)1
Real estate1 parcel · 269 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of MIVID is 5.3% (elevated). The 2024 annual accounts show equity of €15k and a net result of €4k. Its solvency ranks better than 54% of 5615 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
5.3% Elevated
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector +Young company +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

1 signal · with evidence
Consistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Deadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 13 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 29-09-2025 60 d late 2025-00510048
31-12-2023 31-07-2024 17-10-2024 78 d late 2024-00510950

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€4k-16.8%
Working capital€-507

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 29-09-2025 with the NBB · fiscal year 2024 · micro
€0€2k€4k€6k€8kOperating result 2023: €7k€7kNet result 2023: €5k€5kOperating result 2024: €7k€7kNet result 2024: €4k€4k20232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 56, Food & beverage service · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 23.5% 19.3%
better than 54% of 5615 sector peers
Net result €4k €4k
better than 50% of 5603 sector peers
Equity €15k €14k
better than 51% of 5626 sector peers
Gross operating margin €67k €52k
better than 56% of 5589 sector peers
Staff costs €54k €49k
higher than 52% of 4064 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€8k
- 23-24
Net profit
€4k
-16.8% 23-24
Cash flow
€5k
- 23-24
Total assets
€62k
+60.6% 23-24
Equity
€15k
+36.5% 23-24
Working capital
€-507
- 23-24
Employees (FTE)
1
-16.7% 23-24
Staff costs
€54k
-0.3% 23-24
Income taxes
€2k
+94.3% 23-24
Debt
€48k
+69.8% 23-24
Debt ≤ 1y
€30k
+7.1% 23-24
Debt > 1y
€18k
- 23-24
Current ratio
0.98
-10.4% 23-24
Quick ratio
0.98
-10.4% 23-24
Solvency
23.5%
-15.0% 23-24
Debt / equity
3.26
+24.4% 23-24
ROE
26.7%
-39.0% 23-24
ROA
6.3%
-48.2% 23-24
Interest coverage
5.13
- 23-24
Figures by fiscal year
Fiscal year2024
Depositmicro
Revenue-
EBITDA€8k
Net profit€4k
Cash flow€5k
Staff costs€54k
Income taxes€2k
Dividends-
Total assets€62k
Equity€15k
Debt€48k
of which ≤ 1y€30k
of which > 1y€18k
Working capital€-507
Employees (FTE)1.0
Ratios (computed)
2024
Current ratio0.98
Quick ratio0.98
Working capital ratio-0.8%
Solvency23.5%
Debt / equity3.26
Long-term debt ratio1.20
Interest coverage5.13
Gross margin-
Net margin-
ROA6.3%
ROE26.7%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€62k
Fixed assets 21/28€33k
Tangible fixed assets 22/27€25k
Financial fixed assets 28€8k
Current assets 29/58€30k
Amounts receivable within one year 40/41€8k
Cash & bank 54/58€21k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€62k
Equity 10/15€15k
Contributions / capital 10/11€6k
Accumulated profits (losses) 14€9k
Amounts payable 17/49€48k
Amounts payable after one year 17€18k
Amounts payable within one year 42/48€30k
Trade debts payable within one year 44€7k
Income statement
Gross operating margin 9900€67k
Operating result 9901€7k
Financial income 75€10
Financial charges 65€2k
Result before taxes 9903€6k
Income taxes 67/77€2k
Net result for the period 9904€4k
Result to be appropriated 9905€4k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2024 · computed
48 / 100 Fair
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Directors

Directors & mandates

1 director
Current directors & mandates
  • Miguel BAUDOUR
    Director
    State Gazette act 23079273 (19-06-2023)
    Current
    01-06-2023 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary Cafés en bars(56301)
Legal form Private limited company(610)
Incorporation27-12-2022
StatusActive
Postal code7330

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Place Albert-Elisabeth(SG) 32/347330 Saint-Ghislain

Establishment units

1 location
Le Passé Simple
Place Albert-Elisabeth(SG) 32/34, 7330 Saint-GhislainCafés en bars
since 20232.340.308.508
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area269 m²
Buildings1
Building footprint97 m²
Volume (LiDAR)1,148 m³
Tallest building13.8 m · ±4 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
53070B0598/00H007 Wallonia 269 m² 1 · 97 m² 13.8 m · 4 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

4 acts
All acts · 4 updated 5 months ago
2026
06-03-2026 BAUDOUR Miguel resigns as director Director changes
  • BAUDOUR Miguel, Bestuurder
2023
19-06-2023 Miguel BAUDOUR appointed as director Director changes
  • Miguel BAUDOUR, Bestuurder
Summary: v3.2
14-04-2023 Change in the board of directors Director changes
Summary: v3.2
2022
29-12-2022 Incorporation of a new SRL Incorporation
Summary: oprichting

Analysis

Snowflake analysis

financial profile on 5 axes
Health48Profitability100Solvency33Growth52Stability94
65 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 48
Profitability 100
Solvency 33
Growth 52
Stability 94

Ask AI about this company

Checked AI

Soon: ask questions about this dossier, risks, curator, sector comparison, answered from the official data on this page.

TryWhat are the main risks?Any recent red flags?Compare to sector peers
Coming soon

AI due-diligence brief

Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 1,340 of the 13,888 companies in this sector. 1,114 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Cafés en bars56301Cafés en bars56301Eetgelegenheden met beperkte bediening56102Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden56112
Primary activity highlighted.
Names & trade names
Legal nameFR MIVID
Registered office
Place Albert-Elisabeth(SG) 32/34
7330 Saint-Ghislain, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.