GROUP M&M
ActiveGROUP M&M has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €160k and a net result of €-16k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 57% of 7744 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability18▼-13
Solvency75▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.35 against 1.72 in 2024; short-term debt: 28.6% and cash: 11.1% of total assets), and 50.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · 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
raises risk · 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 2025Solvency, return and age of the figures
Solvency
49.6%
Return on assets
-5.1%
Age of the figures
15 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-16k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
15 d early
2023
on the day
2022
1 d early
2021
on the day
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€160k▼ 9.3%
2024 · €177k
2019: €139k
2020: €142k
2021: €145k
2022: €212k
2023: €185k
2024: €177k
2019 → 2025
Total assets
€323k▼ 7.1%
2024 · €348k
2019: €249k
2020: €285k
2021: €245k
2022: €322k
2023: €402k
2024: €348k
2019 → 2025
Net result
€-16k▼ 106%
2024 · €-8k
2019: €190
2020: €4k
2021: €3k
2022: €66k
2023: €-27k
2024: €-8k
2019 → 2025
Working capital
€32k▼ 47.2%
2024 · €61k
2019: €123k
2020: €116k
2021: €113k
2022: €157k
2023: €71k
2024: €61k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€145k-€212k▲ 45.5%€185k▼ 12.8%€177k▼ 4.3%€160k▼ 9.3%
Operating result€7k-€97k▲ 1,322%€-21k€1k€-9k
Net result€3k-€66k▲ 2,095%€-27k€-8k▲ 70.6%€-16k▼ 106%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €9k after €1k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €323k
Fixed assets
€199k▼ 2.0%
Current assets
€124k▼ 14.3%
Equity and liabilities €323k
Equity
€160k▼ 9.3%
Debt
€163k▼ 4.9%
The debt ratio rises from 49.2% to 50.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€5k▼
2024 · €16k
Cash flow
€-3k▼
2024 · €7k
Solvency
49.6%▼
2024 · 50.8%
Current ratio
1.35▼
2024 · 1.72
Quick ratio
1.25▼
2024 · 1.63
Debt / equity
1.02▲
2024 · 0.97
ROE
-10.2%▼
2024 · -4.5%
ROA
-5.1%▼
2024 · -2.3%
Interest coverage
0.64▼
2024 · 1.80
Debt
€163k▼
2024 · €171k
Debt ≤ 1 year
€92k▲
2024 · €84k
Debt > 1 year
€71k▼
2024 · €87k
Income taxes
€322▼
2024 · €371
Staff costs
€59k▼
2024 · €105k
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€348k€323k▼
Fixed assets21/28€203k€199k▼
Tangible fixed assets22/27€22k€18k▼
Plant, machinery and equipment23€8k€8k▲
Furniture and vehicles24€11k€7k▼
Other tangible fixed assets26€3k€2k▼
Financial fixed assets28€181k€181k=
Current assets29/58€145k€124k▼
Stocks and contracts in progress3€8k€9k▲
Stocks30/36€8k€9k▲
Contracts in progress37€0-
Amounts receivable within one year40/41€74k€69k▼
Trade receivables40€69k€67k▼
Other amounts receivable41€5k€2k▼
Cash at bank and in hand54/58€49k€36k▼
Deferred charges and accrued income490/1€14k€10k▼
Equity and liabilities
Total equity and liabilities10/49€348k€323k▼
Equity10/15€177k€160k▼
Contributions10/11€19k€19k=
Reserves13€158k€155k▼
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133€156k€155k▼
Profit (loss) carried forward14-€-13k
Amounts payable17/49€171k€163k▼
Amounts payable after more than one year17€87k€71k▼
Financial debts170/4€87k€71k▼
Amounts payable within one year42/48€84k€92k▲
Current portion of amounts payable after more than one year42€16k€16k▲
Trade debts44€10k€27k▲
Suppliers440/4€10k€27k▲
Taxes, remuneration and social security45€10k€6k▼
Taxes450/3€3k€2k▼
Remuneration and social security454/9€7k€3k▼
Other amounts payable47/48€48k€43k▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€105k€59k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€14k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€123k€66k▼
Operating profit (loss)9901€1k€-9k▼
Financial income75/76B€104€298▲
Recurring financial income75€104€298▲
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€8k▼
Profit (loss) for the period before taxes9903€-8k€-16k▼
Income taxes67/77€371€322▼
Profit (loss) for the period9904€-8k€-16k▼
Profit (loss) for the period to be appropriated9905€-8k€-16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€-16k▼
Transfer from equity791/2€8k€3k▼
Social balance
Average headcount (FTE)90872.02.0=
The notes to these accounts (18 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
16-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Weakest financial yearnet €-27k ▼141%
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2019net €66k ▲2095%
Operating result €97k, net result €66k, both a record.
30-06
Financial
Equity above €200kEq €212k ▲45.5%
4 profitable years in a row build equity to €212k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Riemst · 1 establishment unit since 2010
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.
Kerkstraat 483770 RiemstGround area
1,945 m²
Building footprint
398 m²
Volume, LiDAR
2,560 m³
Parcel 73102B0191/00G000, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
GROUP M&M
since 20102.184.255.403
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73102B0191/00G000 | Flanders | 1,945 m² | 1 · 398 m² | 11.0 m · 2 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 1,123 companies in sector 43212 we hold annual accounts for 420. 338 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-11-2009
Fiscal year end30-06
Activities, NACEBEL
43212Electrical installation work in industrial facilities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.