M.B.C.M.
ActiveM.B.C.M. has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €157k and a net result of €3k. Equity is growing by ~28.1% per year across the filed fiscal years. Its solvency ranks better than 92% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
68
/ 100
Healthy▼ -13 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability10▼-25
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 16.07 against 3.52 in 2024), and 6.2% 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○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 →
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
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
93.8%
Return on assets
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 14-08-2026, 14 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 · 10 filingsDeviation from the deadline
2025
14 d late
2024
124 d late
2023
231 d late
2022
51 d late
2021
24 d late
2020
26 d late
2019
32 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€157k▲ 2.1%
2024 · €154k
2018: €-4k
2019: €20k
2020: €36k
2021: €72k
2022: €114k
2023: €143k
2024: €154k
2018 → 2025
Total assets
€167k▼ 21.9%
2024 · €214k
2018: €69k
2019: €58k
2020: €59k
2021: €120k
2022: €177k
2023: €227k
2024: €214k
2018 → 2025
Net result
€3k▼ 69.7%
2024 · €11k
2018: €-88k
2019: €23k
2020: €17k
2021: €35k
2022: €43k
2023: €28k
2024: €11k
2018 → 2025
Working capital
€157k▲ 2.3%
2024 · €153k
2018: €-44k
2019: €-5k
2020: €26k
2021: €71k
2022: €114k
2023: €140k
2024: €153k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€72k-€114k▲ 59.7%€143k▲ 24.8%€154k▲ 7.6%€157k▲ 2.1%
Operating result€57k-€63k▲ 10.9%€48k▼ 23.3%€17k▼ 64.5%€2k▼ 87.6%
Net result€35k-€43k▲ 21.6%€28k▼ 33.7%€11k▼ 61.7%€3k▼ 69.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 88% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €167k
Fixed assets
€456▼ 38.5%
Current assets
€167k▼ 21.9%
Equity and liabilities €167k
Equity
€157k▲ 2.1%
Debt
€10k▼ 82.9%
The debt ratio falls from 28.3% to 6.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€2k▼
2024 · €18k
Cash flow
€4k▼
2024 · €11k
Solvency
93.8%▲
2024 · 71.7%
Current ratio
16.07▲
2024 · 3.52
Quick ratio
16.07▲
2024 · 3.52
Debt / equity
0.07▼
2024 · 0.39
ROE
2.1%▼
2024 · 7.1%
ROA
2.0%▼
2024 · 5.1%
Interest coverage
0.63▼
2024 · 1.81
Debt
€10k▼
2024 · €61k
Debt ≤ 1 year
€10k▼
2024 · €61k
Income taxes
€2k▼
2024 · €5k
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€214k€167k▼
Fixed assets21/28€743€456▼
Tangible fixed assets22/27€743€456▼
Furniture and vehicles24€743€456▼
Current assets29/58€214k€167k▼
Amounts receivable within one year40/41€162k€115k▼
Trade receivables40€12k-
Other amounts receivable41€150k€115k▼
Current investments50/53€49k€49k=
Cash at bank and in hand54/58€901€3k▲
Deferred charges and accrued income490/1€2k€95▼
Equity and liabilities
Total equity and liabilities10/49€214k€167k▼
Equity10/15€154k€157k▲
Contributions10/11€12k€12k=
Reserves13€141k€145k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€139k€143k▲
Amounts payable17/49€61k€10k▼
Amounts payable within one year42/48€61k€10k▼
Trade debts44€24k€3k▼
Suppliers440/4€24k€3k▼
Taxes, remuneration and social security45€37k€7k▼
Taxes450/3€37k€7k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€339€286▼
Other operating charges640/8€470€833▲
Gross operating margin9900€18k€3k▼
Operating profit (loss)9901€17k€2k▼
Financial income75/76B€9k€7k▼
Recurring financial income75€9k€7k▼
Financial charges65/66B€10k€4k▼
Recurring financial charges65€10k€4k▼
Profit (loss) for the period before taxes9903€16k€5k▼
Income taxes67/77€5k€2k▼
Profit (loss) for the period9904€11k€3k▼
Profit (loss) for the period to be appropriated9905€11k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€3k▼
Transfer to equity691/2€11k€3k▼
To other reserves6921€11k€3k▼
The notes to these accounts (4 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
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 14 days late
2025
31-12
Financial
Liquidity times 5current ratio 16.07
Current ratio from 3.52 to 16.07; short-term debt falls from €61k to €10k.
02-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 124 days late
19-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 231 days late
2024
31-12
Financial
Equity above €150kEq €154k ▲7.6%
6 profitable years in a row build equity to €154k.
2023
20-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 51 days late
2022
31-12
Financial
Highest result since 2018net €43k ▲21.6%
Operating result €63k, net result €43k, both a record.
31-12
Financial
Equity above €100kEq €114k ▲59.7%
4 profitable years in a row build equity to €114k.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 2.19
Current ratio from 0.87 to 2.19; short-term debt falls from €38k to €22k.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
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
1 act for this company is 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, Knokke-Heist · 1 establishment unit since 2002
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.
Paul Parmentierlaan 1728300 Knokke-HeistGround area
958 m²
Building footprint
958 m²
Volume, LiDAR
10,701 m³
Parcel 31013A0599/00C000, Flanders · tallest building 20.1 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Paul Parmentierlaan 172, 8300 Knokke-Heist
since 20022.096.264.723
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31013A0599/00C000indicative | Flanders | 958 m² | 1 · 958 m² | 20.1 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 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
ProductMicrobe
BE 0729.995.472
Gent · Eq €157k
Steven Plehier
BE 0733.519.245
Begijnendijk · Eq €157k
AMT MANAGEMENT
BE 0473.026.537
Ohey · Eq €157k
JEAN-FRANCOIS PIVONT
BE 0802.740.029
Oudergem · Eq €157k
BUREAU DP CONSULT
BE 0812.302.051
Nivelles · Eq €157k
Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 40,620 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded26-06-2002
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.