Mr & Ms
ActiveMr & Ms has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €45k. Equity is shrinking by ~12.7% per year across the filed fiscal years. Its solvency ranks better than 19% of 27386 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency18▼-28
Growth58=
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.78 against 1.0 in 2024), and 82.8% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
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
17.2%
Return on assets
39.6%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 27386 sector peers (2025).
NBB · sector comparisonPosition among 27386 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 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 · 9 filingsDeviation from the deadline
2025
21 d late
2024
57 d early
2023
12 d late
2022
24 d late
2021
30 d late
2020
33 d early
2019
60 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€20k▼ 43.0%
2024 · €34k
2018: €46k
2019: €79k
2020: €63k
2021: €34k
2022: €34k
2023: €34k
2024: €34k
2018 → 2025
Total assets
€114k▼ 2.7%
2024 · €117k
2018: €63k
2019: €90k
2020: €68k
2021: €78k
2022: €76k
2023: €119k
2024: €117k
2018 → 2025
Net result
€45k▲ 30.5%
2024 · €35k
2018: €18k
2019: €34k
2020: €25k
2021: €23k
2022: €38k
2023: €16k
2024: €35k
2018 → 2025
Working capital
€-21k
2024 · €41
2018: €40k
2019: €76k
2020: €60k
2021: €29k
2022: €24k
2023: €5k
2024: €41
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€34k-€34k=€34k=€34k=€20k▼ 43.0%
Operating result€32k-€49k▲ 55.5%€20k▼ 60.1%€49k▲ 151%€62k▲ 26.1%
Net result€23k-€38k▲ 65.4%€16k▼ 57.8%€35k▲ 119%€45k▲ 30.5%
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 26% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €114k
Fixed assets
€40k▼ 11.2%
Current assets
€74k▲ 2.6%
Equity and liabilities €114k
Equity
€20k▼ 43.0%
Debt
€95k▲ 14.0%
The debt ratio rises from 70.7% to 82.8%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€69k▲
2024 · €56k
Cash flow
€52k▲
2024 · €42k
Solvency
17.2%▼
2024 · 29.3%
Current ratio
0.78▼
2024 · 1.00
Quick ratio
0.52▼
2024 · 0.86
Debt / equity
4.82▲
2024 · 2.41
ROE
230.7%▲
2024 · 100.7%
ROA
39.6%▲
2024 · 29.5%
Interest coverage
45.82▲
2024 · 26.34
Debt
€95k▲
2024 · €83k
Debt ≤ 1 year
€95k▲
2024 · €72k
Income taxes
€17k▲
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€117k€114k▼
Fixed assets21/28€45k€40k▼
Tangible fixed assets22/27€43k€38k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€873€2k▲
Other tangible fixed assets26€39k€34k▼
Financial fixed assets28€2k€2k=
Current assets29/58€72k€74k▲
Amounts receivable after more than one year29€7k€7k=
Other amounts receivable291€7k€7k=
Stocks and contracts in progress3€10k€25k▲
Stocks30/36€5k€10k▲
Contracts in progress37€5k€15k▲
Amounts receivable within one year40/41€46k€38k▼
Trade receivables40€29k€14k▼
Other amounts receivable41€17k€24k▲
Cash at bank and in hand54/58€8k€3k▼
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€117k€114k▼
Equity10/15€34k€20k▼
Contributions10/11€19k€19k=
Reserves13€16k€1k▼
Distributable reserves133€16k€1k▼
Amounts payable17/49€83k€95k▲
Amounts payable after more than one year17€11k-
Financial debts170/4€11k-
Amounts payable within one year42/48€72k€95k▲
Current portion of amounts payable after more than one year42€12k€11k▼
Financial debts43€4k€5k▲
Credit institutions430/8€4k€5k▲
Trade debts44€18k€13k▼
Suppliers440/4€18k€13k▼
Taxes, remuneration and social security45€8k€15k▲
Taxes450/3€8k€15k▲
Other amounts payable47/48€29k€51k▲
Accrued charges and deferred income492/3€229-
Income statement
Code20242025
Remuneration, social security and pensions62€7k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Other operating charges640/8€733€752▲
Gross operating margin9900€64k€70k▲
Operating profit (loss)9901€49k€62k▲
Financial income75/76B€742€1k▲
Recurring financial income75€742€1k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€48k€62k▲
Income taxes67/77€13k€17k▲
Profit (loss) for the period9904€35k€45k▲
Profit (loss) for the period to be appropriated9905€35k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€35k€45k▲
Transfer from equity791/2-€15k
Profit to be distributed694/7€35k€60k▲
Return on contributions (dividend)694€35k€60k▲
The notes to these accounts (9 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
31-12
Financial
Highest result since 2018net €45k ▲30.5%
Operating result €62k, net result €45k, both a record.
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
31-12
Financial
Weakest financial yearnet €16k ▼57.8%
Net result drops to €16k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 16.95
Current ratio from 7.90 to 16.95; short-term debt falls from €11k to €4k.
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 7.90
Current ratio from 3.42 to 7.90; short-term debt falls from €17k to €11k.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Brugge · 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.
Baron Ruzettelaan 448310 BruggeGround area
260 m²
Building footprint
94 m²
Volume, LiDAR
852 m³
Parcel 31434C0057/00B003, Flanders · tallest building 13.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Mr & Ms
since 20172.259.414.763
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31434C0057/00B003 | Flanders | 260 m² | 1 · 94 m² | 13.4 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 405 EUR awarded · 405 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 150 EUR | 150 EUR |
| 2022 | 1 | 255 EUR | 255 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
ALEX OTLET
BE 0784.942.311
Nassogne · Eq €20k
Airco Stappers
BE 0771.887.101
Merksplas · Eq €20k
Etablissements GUATIERI
BE 0459.623.612
Sint-Pieters-Woluwe · Eq €20k
WAUTERS
BE 0477.458.546
Bierbeek · Eq €20k
SANICHAUF
BE 0797.293.973
Ronse · Eq €20k
Of 6,991 companies in sector 43221 we hold annual accounts for 3,445. 2,408 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-12-2016
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
74300Other professional, scientific and technical activities
74301Translation services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryFax:050343600