Inceptum M&M

Active

Private limited companyfounded 2022active for 4 yearsTorhoutsesteenweg 352, 8210 Zedelgem, BelgiumKBO/BCE: BE 0792.492.176

Summary

The computed 12-month bankruptcy probability of Inceptum M&M is 4.5% (elevated). The 2025 annual accounts show equity of €65,938 and a net result of €58,279. Its solvency ranks better than 44% of 9,354 sector peers (NACE 41, financial year 2025). The company has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow Report Compare

Inceptum M&MActiveChecked score 40/100

Risk analysis Report Compare

Activity

General construction of residential buildings

NACE 41001

1 site

Size

≈ €380,000turnover 2025, estimated

Equity: €65,938
Profit: €58,279

Turnover estimated from the gross margin

Financial health

40 Weak Checked score 2025

Bankruptcy probabilitywithin 12 months: 4.5%

Structure

MARTELÉ, Kurt Leonie LucienDirector
MELLAERTS, Patricia SabineDirector

2025 accounts 30 days early

Why 40raises riskFounded in 2022Sector: Construction of residential and non-residential buildings (NACE 41)Size: total assets €173,858lowers riskFigures for financial year 2025 (filed 02-04-2026)Show the evidence

Checked score

Score 2025

40 / 100

Weak

Probability in this band: 4.2% to 15.0%

Financially better than 60% of its sector peers (NACE 41, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 63+2

equity 37.9% of total assets

Liquidity 25-8

short-term debt 55.8% · cash 2.8%

Profitability 100=

return on assets 33.5%

Bankruptcy probability, 12 months

4.5% Elevated

0%0.5%1.5%4%10%≥ 25%

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,448 companies, NACE 41, micro)

Last 24 months 11-2024: 5.3% 12-2024: 5.3%● unchanged vs 11-2024 01-2025: 5.3%● unchanged vs 12-2024 02-2025: 5.3%● unchanged vs 01-2025 03-2025: 5.3%● unchanged vs 02-2025 04-2025: 5.3%● unchanged vs 03-2025 05-2025: 5.4%▲ +0.1 percentage points vs 04-2025 06-2025: 5.4%● unchanged vs 05-2025 07-2025: 5.4%● unchanged vs 06-2025 08-2025: 5.4%● unchanged vs 07-2025 09-2025: 5.4%● unchanged vs 08-2025 10-2025: 5.4%● unchanged vs 09-2025 11-2025: 5.4%● unchanged vs 10-2025 12-2025: 5.4%● unchanged vs 11-2025 01-2026: 5.4%● unchanged vs 12-2025 02-2026: 5.4%● unchanged vs 01-2026 03-2026: 5.4%● unchanged vs 02-2026 04-2026: 5.5%▲ +0.1 percentage points vs 03-2026highest value 05-2026: 4.2%▼ -1.3 percentage points vs 04-2026 06-2026: 3.3%▼ -0.9 percentage points vs 05-2026lowest value 07-2026: 3.3%● unchanged vs 06-2026lowest value 08-2026: 4.5%▲ +1.2 percentage points vs 07-2026 09-2026: 4.5%● unchanged vs 08-2026 10-2026: 4.5%● unchanged vs 09-2026

Credit of up to €2,500 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms

Liquidity ample (current ratio 1.64, compared with 1.57 in 2024, above the usual 1.5; short-term debt: 55.8% and cash: 2.8% of total assets), but 62.1% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro): better than 45% on solvency, 20% on liquidity, 91% on profitability and 83% on growth.

The bankruptcy probability was computed on 30-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.

lowers riskraises riskneutral

Founded in 2022

Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.

KBO

Sector: Construction of residential and non-residential buildings (NACE 41)

KBO

Size: total assets €173,858

Companies of this size fail more often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Figures for financial year 2025 (filed 02-04-2026)

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-03-2026, 30 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

30 days early

2024

28 days early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 29 days before the deadline; the sector median (NACE 41) for financial year 2024 is on the deadline day, and 46% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today.

Companies Code · seven months

Where today falls in the filing period

30-09-2026 year end31-10-2026 today30-04-2027 deadline

No strike-offs in the KBO publications

Searched since incorporation in 2022.

KBO publications · our coverage

23-07-2026 Resignation: Mellaerts Patricia (director)Registered-office move
31-03-2026 Annual accounts filedfinancial year 2025 · micro…
02-04-2025 Annual accounts filedfinancial year 2024 · micro…

Key points

Positive: Among the best 10% on net resultsector median €8,523 · 9,344 companies €58,279 View
A director leftlatest change 23-07-2026 · 2 in office 1 left View
Total assets 20252 financial years filed €173,858 View

By topic

Financials

Financial year: 2025
Total assets: €173,858
Profit: €58,279
Solvency: 37.9%

Total assets▲ 59.9%

Net result

20242025

Go to Financials

Board & ownership

Board: 2 members

MARTELÉ, Kurt Leonie LucienDirector
MELLAERTS, Patricia SabineDirector

Go to Board & ownership

Timeline

Events: 4
Since: 2022
Next accounts: by 30-04-2027

18-10-2022Incorporation

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: General construction of residential buildingsNACE 41001
Founded: 14-10-2022
Year ends: 30-09
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 16

Annual meeting: First Friday of March at 18:00
Statutory auditor: No statutory auditor

Go to Articles of association

Key facts about Inceptum M&M

What is the company number of Inceptum M&M?: 0792.492.176. In Belgium the VAT number is the company number with BE in front: BE 0792.492.176.
Where is Inceptum M&M based?: The registered office is at Torhoutsesteenweg 352, 8210 Zedelgem.Company details
What does Inceptum M&M do?: According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
What is the legal form of Inceptum M&M?: Private limited company (BV).
When was Inceptum M&M founded?: On 14-10-2022.
Is Inceptum M&M still active?: Yes, Inceptum M&M is an active enterprise in the KBO register.
What is the turnover of Inceptum M&M?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is Inceptum M&M profitable?: In financial year 2025, Inceptum M&M made a profit of €58,279.
Where can I find the annual accounts of Inceptum M&M?: Inceptum M&M filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Inceptum M&M due?: By 30-04-2027, for financial year 2026.Timeline