M.A.C.J.
ActiveSummary
M.A.C.J. has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.09M and a net result of €52k. Equity is growing by ~12.3% per year across the filed fiscal years. Its solvency ranks better than 64% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability62▼-7
Solvency93▲+3
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €80k at 30 days acceptable
Liquidity short (current ratio 0.59 against 0.58 in 2024; short-term debt: 8.2% and cash: 3.5% of total assets), and 32.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
67.5%
Return on assets
3.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 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 · 3 filingsDeviation from the deadline
2025
13 d late
2024
29 d late
2023
20 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€52k▼ 74.5%
2024 · €203k
2023: €37k
2024: €203k
2023 → 2025
Working capital
€-55k▼ 19.3%
2024 · €-46k
2023: €-50k
2024: €-46k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€837k-€1.04M▲ 24.3%€1.09M▲ 5.0%
Operating result€74k-€91k▲ 22.9%€88k▼ 2.7%
Net result€37k-€203k▲ 448%€52k▼ 74.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.62M
Fixed assets
€1.54M ▲ 0.3%
Current assets
€79k ▲ 26.8%
Equity and liabilities €1.62M
Equity
€1.09M ▲ 5.0%
Debt
€526k ▼ 5.5%
Debt's share of the balance-sheet total falls from 34.8% to 32.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€89k
Cash flow
€52k
Current ratio
0.59▲
2024 · 0.58
Debt to equity
0.48▼
2024 · 0.53
ROE
4.8%▼
2024 · 19.6%
ROA
3.2%▼
2024 · 12.7%
Interest coverage
4.66
Debt ≤ 1 year
€133k▲
2024 · €108k
Debt > 1 year
€393k▼
2024 · €449k
Income taxes
€17k▼
2024 · €18k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.60M€1.62M▲
Fixed assets21/28€1.54M€1.54M▲
Tangible fixed assets22/27-€5k
Furniture and vehicles24-€5k
Financial fixed assets28€1.54M€1.54M=
Current assets29/58€62k€79k▲
Amounts receivable within one year40/41€32k€21k▼
Trade receivables40€32k€21k▼
Cash at bank and in hand54/58€29k€57k▲
Deferred charges and accrued income490/1€394€550▲
Equity and liabilities
Total equity and liabilities10/49€1.60M€1.62M▲
Equity10/15€1.04M€1.09M▲
Contributions10/11€800k€800k=
Profit (loss) carried forward14€241k€293k▲
Amounts payable17/49€556k€526k▼
Amounts payable after more than one year17€449k€393k▼
Financial debts170/4€449k€393k▼
Amounts payable within one year42/48€108k€133k▲
Current portion of amounts payable after more than one year42€54k€56k▲
Trade debts44€16k€21k▲
Suppliers440/4€16k€21k▲
Taxes, remuneration and social security45€34k€51k▲
Taxes450/3€34k€51k▲
Other amounts payable47/48€4k€5k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€379
Other operating charges640/8-€2k
Gross operating margin9900€91k€90k▼
Operating profit (loss)9901€91k€88k▼
Financial income75/76B€150k€9▼
Recurring financial income75€150k€9▼
Financial charges65/66B€19k€19k▼
Recurring financial charges65€19k€19k▼
Profit (loss) for the period before taxes9903€221k€69k▼
Income taxes67/77€18k€17k▼
Profit (loss) for the period9904€203k€52k▼
Profit (loss) for the period to be appropriated9905€203k€52k▼
Appropriation of the result
Profit (loss) to be appropriated9906€241k€293k▲
Profit (loss) brought forward from the previous period14P€37k€241k▲
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
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 13 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-12
Financial
Highest result since 2023net €203k ▲448%
Operating result €91k, net result €203k, both a record.
31-12
Financial
Equity above €1MEq €1.04M ▲24.3%
2 profitable years in a row build equity to €1.04M.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · full 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, Visé · 1 establishment unit since 2022
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 des Hauteurs(RIC) 14600 ViséGround area
1,140 m²
Building footprint
127 m²
Volume, LiDAR
831 m³
Parcel 62085A0650/00N000, Wallonia · tallest building 11.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
M.A.C.J
since 20222.387.073.196
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62085A0650/00N000 | Wallonia | 1,140 m² | 1 · 127 m² | 11.4 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.
Similar companies · same sector, comparable size
ANN COOLS
BE 0806.030.408
Schilde · Eq €1,093,788
WILMAG II
BE 0821.405.797
Aarschot · Eq €1,093,808
VHS ESTATE
BE 0804.257.583
Roeselare · Eq €1,087,179
JAJAX
BE 0808.661.779
Roeselare · Eq €1,086,858
Caroline HEYNDERICKX
BE 0808.766.105
Knokke-Heist · Eq €1,085,994
Of 5,699 companies in sector 70100 we hold annual accounts for 3,494. 1,868 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-10-2022
Fiscal year end31-12
Activities, NACEBEL 2025
70100Activities of head offices
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:juliedepireux43@hotmail.com
Phone:+32499367331