M & B SERVICES
ActiveM & B SERVICES has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €36k and a net result of €8k. Equity is growing by ~20.4% per year across the filed fiscal years. Its solvency ranks better than 32% of 17987 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency9▲+2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.32 against 0.33 in 2024), and 86.3% 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+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 47
Relative position
BE, all sectors
reference
Sector 47
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
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
13.7%
Return on assets
2.9%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 25-03-2026, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
36 d early
2024
35 d late
2023
54 d early
2022
46 d early
2021
59 d early
2020
31 d late
2019
285 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
14-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€36k▲ 27.3%
2024 · €29k
2018: €2k
2019: €4k
2020: €5k
2021: €22k
2022: €27k
2023: €29k
2024: €29k
2018 → 2025
Total assets
€265k▼ 8.7%
2024 · €290k
2018: €329k
2019: €304k
2020: €284k
2021: €288k
2022: €289k
2023: €301k
2024: €290k
2018 → 2025
Net result
€8k
2024 · €-797
2018: €-13k
2019: €2k
2020: €1k
2021: €17k
2022: €5k
2023: €2k
2024: €-797
2018 → 2025
Working capital
€-71k▲ 8.5%
2024 · €-77k
2018: €-27k
2019: €-37k
2020: €-37k
2021: €-36k
2022: €-39k
2023: €-53k
2024: €-77k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€27k▲ 23.6%€29k▲ 7.2%€29k▼ 2.7%€36k▲ 27.3%
Operating result€21k-€13k▼ 38.3%€11k▼ 14.9%€12k▲ 3.0%€19k▲ 59.7%
Net result€17k-€5k▼ 68.9%€2k▼ 62.0%€-797€8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 60% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €265k
Fixed assets
€231k▼ 8.5%
Current assets
€34k▼ 10.3%
Equity and liabilities €265k
Equity
€36k▲ 27.3%
Debt
€229k▼ 12.7%
The debt ratio falls from 90.1% to 86.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€40k▲
2024 · €33k
Cash flow
€29k▲
2024 · €21k
Solvency
13.7%▲
2024 · 9.9%
Current ratio
0.32▼
2024 · 0.33
Quick ratio
0.10▲
2024 · 0.03
Debt / equity
6.28▼
2024 · 9.15
ROE
21.5%▲
2024 · -2.8%
ROA
2.9%▲
2024 · -0.3%
Interest coverage
5.43▲
2024 · 2.95
Debt
€229k▼
2024 · €262k
Debt ≤ 1 year
€104k▼
2024 · €115k
Debt > 1 year
€123k▼
2024 · €146k
Income taxes
€3k▲
2024 · €1k
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€290k€265k▼
Fixed assets21/28€253k€231k▼
Tangible fixed assets22/27€253k€231k▼
Land and buildings22€234k€219k▼
Plant, machinery and equipment23€3k€1k▼
Furniture and vehicles24€16k€11k▼
Current assets29/58€38k€34k▼
Stocks and contracts in progress3€34k€24k▼
Stocks30/36€34k€24k▼
Amounts receivable within one year40/41€335€9k▲
Trade receivables40€335€9k▲
Cash at bank and in hand54/58€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€290k€265k▼
Equity10/15€29k€36k▲
Contributions10/11€14k€14k=
Outside capital11€14k€14k=
Other1109/19€14k€14k=
Profit (loss) carried forward14€15k€23k▲
Amounts payable17/49€262k€229k▼
Amounts payable after more than one year17€146k€123k▼
Financial debts170/4€125k€102k▼
Other amounts payable178/9€21k€21k=
Amounts payable within one year42/48€115k€104k▼
Current portion of amounts payable after more than one year42€23k€23k▲
Financial debts43€7k-
Credit institutions430/8€7k-
Trade debts44€785€1k▲
Suppliers440/4€785€1k▲
Taxes, remuneration and social security45€5k€7k▲
Taxes450/3€4k€5k▲
Remuneration and social security454/9€1k€1k=
Other amounts payable47/48€79k€73k▼
Accrued charges and deferred income492/3€1k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€21k▼
Other operating charges640/8€3k€3k▼
Gross operating margin9900€36k€43k▲
Operating profit (loss)9901€12k€19k▲
Financial charges65/66B€11k€7k▼
Recurring financial charges65€11k€7k▼
Profit (loss) for the period before taxes9903€338€11k▲
Income taxes67/77€1k€3k▲
Profit (loss) for the period9904€-797€8k▲
Profit (loss) for the period to be appropriated9905€-797€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€23k▲
Profit (loss) brought forward from the previous period14P€16k€15k▼
The notes to these accounts (5 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
25-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 35 days late
2024
07-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
15-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
02-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Highest result since 2018net €17k ▲1234%
Operating result €21k, net result €17k, both a record.
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
09-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 285 days late
2019
30-09
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
02-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 2 days late
2018
06-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 37 days late
2017
31-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2024
MEUS Stefan Herman Alfons
CurrentDirector · since 14-06-2024
14-06-2024
Appointed as Director
Location & real-estate footprint
Registered office, Pelt · 1 establishment unit since 2008
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.
Schansbeemd 83900 PeltGround area
1,668 m²
Building footprint
181 m²
Volume, LiDAR
1,049 m³
Parcel 72029A0150/00K000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
M & B SERVICES
since 20082.168.626.822
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72029A0150/00K000 | Flanders | 1,668 m² | 1 · 181 m² | 8.7 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
AUTO STYLE CAR
BE 0812.702.721
La Louvière · Eq €36k
I-LINE CARS
BE 0665.661.213
Vilvoorde · Eq €36k
GUTA EXPRESS
BE 0568.937.662
Kraainem · Eq €36k
Auto Unique
BE 1001.703.954
Overijse · Eq €36k
FiHa
BE 1000.984.075
Deinze · Eq €36k
Of 10,620 companies in sector 47811 we hold annual accounts for 5,193. 3,091 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-01-2008
Fiscal year end30-09
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46711Wholesale of cars and light vans (up to 3.5 tonnes)
95313Repair and fitting of specific motor vehicle parts
70200Business and other management consultancy
70220Business consulting
77110Renting and leasing of cars and light motor vehicles
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.