D. MF

Active

Private limited companyfounded 201016 yrs activeRue de Cuesmes 210, 7012 Mons, BelgiumKBO/BCE: BE 0826.386.946

The computed 12-month bankruptcy probability of D. MF is 2.8% (moderate). The 2024 annual accounts show negative equity (€-70k) and a net result of €-5k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 36373 sector peers (fiscal year 2024). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

32 / 100

Weak

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability66▲+66

Solvency0=

Growth58▲+26

Track record100

Bankruptcy probability, 12 months

2.8% Moderate

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.9 against 0.8 in 2023; short-term debt: 91.9% and cash: 1.9% of total assets), and equity is negative.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Eight signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

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 →

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

-28.1%

Return on assets

-2%

Age of the figures

21 mo

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Negative equity

The 2024 annual accounts show negative equity and a net loss.

NBB · annual accounts 2024

Equity per financial year

18192021222324

2018 to 2024 · latest year €-70k

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-07-2025, 1 day ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

not confirmed

2024

1 d early

2023

26 d early

2022

19 d early

2021

2 d early

2020

13 d late

2019

4 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€-70k▼ 7.6%

2023 · €-65k

2018: €-23k 2019: €-8k 2020: €5k 2021: €20k 2022: €-30k 2023: €-65k

2018 → 2024

Total assets

€248k▲ 48.5%

2023 · €167k

2018: €239k 2019: €367k 2020: €306k 2021: €274k 2022: €240k 2023: €167k

2018 → 2024

Net result

€-5k▲ 85.8%

2023 · €-34k

2018: €-8k 2019: €16k 2020: €12k 2021: €15k 2022: €-50k 2023: €-34k

2018 → 2024

Working capital

€-24k▲ 17.1%

2023 · €-29k

2018: €18k 2019: €46k 2020: €73k 2021: €41k 2022: €-811 2023: €-29k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€5k-€20k▲ 321%€-30k€-65k▼ 114%€-70k▼ 7.6%

Operating result€14k-€17k▲ 25.8%€-48k€-32k▲ 33.0%€-3k▲ 90.4%

Net result€12k-€15k▲ 23.2%€-50k€-34k▲ 31.7%€-5k▲ 85.8%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €3k in 2024 against €32k in 2023; the loss shrinks.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €248k

17.7%

82.3%

Fixed assets €44k▼ 18.2%

Current assets €204k▲ 80.1%

Key figures and ratios

2024 value · change against 2023

EBITDA

€12k▲

2023 · €-13k

Cash flow

€10k▲

2023 · €-15k

Solvency

-28.1%▲

2023 · -38.7%

Current ratio

0.90▲

2023 · 0.80

Quick ratio

0.70▲

2023 · 0.49

Debt / equity

-4.56▼

2023 · -3.58

ROA

-2.0%▲

2023 · -20.6%

Interest coverage

8.80▲

2023 · -7.64

Debt

€317k▲

2023 · €232k

Debt ≤ 1 year

€228k▲

2023 · €142k

Debt > 1 year

€90k=

2023 · €90k

Income taxes

€463▼

2023 · €1k

Staff costs

€35k▼

2023 · €51k

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€167k€248k▲

Fixed assets21/28€54k€44k▼

Intangible fixed assets21€2k€732▼

Tangible fixed assets22/27€51k€42k▼

Plant, machinery and equipment23€767€1k▲

Furniture and vehicles24€5k€10k▲

Other tangible fixed assets26€42k€31k▼

Assets under construction and advance payments27€3k-

Financial fixed assets28€1k€1k=

Current assets29/58€113k€204k▲

Stocks and contracts in progress3€44k€45k▲

Stocks30/36€44k€45k▲

Amounts receivable within one year40/41€55k€152k▲

Trade receivables40€47k€150k▲

Other amounts receivable41€7k€2k▼

Cash at bank and in hand54/58€10k€5k▼

Deferred charges and accrued income490/1€4k€2k▼

Equity and liabilities

Total equity and liabilities10/49€167k€248k▲

Equity10/15€-65k€-70k▼

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€-73k€-78k▼

Amounts payable17/49€232k€317k▲

Amounts payable after more than one year17€90k€90k=

Financial debts170/4€15k€15k=

Other amounts payable178/9€75k€75k=

Amounts payable within one year42/48€142k€228k▲

Current portion of amounts payable after more than one year42€10k€10k=

Financial debts43€574€1k▲

Credit institutions430/8€574€1k▲

Trade debts44€11k€40k▲

Suppliers440/4€11k€40k▲

Taxes, remuneration and social security45€10k€20k▲

Taxes450/3€6k€9k▲

Remuneration and social security454/9€4k€11k▲

Other amounts payable47/48€111k€156k▲

Income statement Code20232024

Remuneration, social security and pensions62€51k€35k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€15k▼

Other operating charges640/8€2k€5k▲

Gross operating margin9900€41k€51k▲

Operating profit (loss)9901€-32k€-3k▲

Financial income75/76B€517-

Recurring financial income75€517-

Financial charges65/66B€2k€1k▼

Recurring financial charges65€2k€1k▼

Profit (loss) for the period before taxes9903€-33k€-4k▲

Income taxes67/77€1k€463▼

Profit (loss) for the period9904€-34k€-5k▲

Profit (loss) for the period to be appropriated9905€-34k€-5k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-73k€-78k▼

Profit (loss) brought forward from the previous period14P€-38k€-73k▼

The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 12Financial 2Filings 10

2025

30-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

05-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

12-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Weakest financial yearnet €-50k ▼429%

Net result drops to €-50k, the lowest in the series; recovery starts the following year.

29-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

13-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 13 days late

2020

27-07

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2019

31-12

Financial Back to profitnet €16k

Net result €16k after one loss-making year.

13-08

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 13 days late

2018

11-08

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 11 days late

2017

11-08

NBB filing Annual accounts filed

fiscal year 2016 · micro schema · 11 days late

2016

03-08

NBB filing Annual accounts filed

fiscal year 2015 · full schema · 3 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, Mons · 3 establishment units since 2010

establishment approximate All 3 establishment units on the map

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 de Cuesmes 2107012 Mons

Ground area

910 m²

Building footprint

220 m²

Volume, LiDAR

1,942 m³

3 parcels, Wallonia · tallest building 14.1 m, ±4 floors. Linked by address, not a title deed.

3 establishment units

Rue de Cuesmes 210, 7012 Mons

Manufacture of other non-metallic mineral products

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3 parcels

Wallonia 3 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
55373B0028/00D002	Wallonia	560 m²	1 · 123 m²	14.1 m · 4 fl.
53043B1374/00S000	Wallonia	246 m²	1 · 49 m²	11.3 m · 3 fl.
55373B0001/00W035	Wallonia	104 m²	1 · 49 m²	-