M & BATIR
ActiveSummary
M & BATIR has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €371k and a net result of €162k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 77% of 4539 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▲+43
Solvency100▲+13
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 3.78 against 2.38 in 2024; short-term debt: 25.3% and cash: 65.9% of total assets), and 25.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Seven 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
74.7%
Return on assets
32.6%
Age of the figures
9 mo
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 · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €371k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-07-2026, 13 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
13 d early
2024
8 d early
2023
11 d early
2022
4 d early
2021
16 d late
2020
29 d late
2019
27 d late
← 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, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€162k
2024 · €-31k
2018: €-12k
2019: €-54k
2020: €-8k
2021: €-28k
2022: €-10k
2023: €167k
2024: €-31k
2018 → 2025
Working capital
€349k▲ 97.7%
2024 · €177k
2018: €139k
2019: €86k
2020: €83k
2021: €55k
2022: €46k
2023: €215k
2024: €177k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€83k-€73k▼ 11.6%€241k▲ 229%€209k▼ 13.0%€371k▲ 77.3%
Operating result€-20k-€3k€182k▲ 5,588%€-31k€-14k▲ 53.9%
Net result€-28k-€-10k▲ 66.2%€167k€-31k€162k
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €14k in 2025 against €31k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €497k
Fixed assets
€22k ▼ 33.4%
Current assets
€475k ▲ 55.8%
Equity and liabilities €497k
Equity
€371k ▲ 77.3%
Debt
€125k ▼ 2.0%
Debt's share of the balance-sheet total falls from 37.9% to 25.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€-12k▲
2024 · €-29k
Cash flow
€164k▲
2024 · €-30k
Current ratio
3.78▲
2024 · 2.38
Quick ratio
2.71▲
2024 · 1.33
Debt to equity
0.34▼
2024 · 0.61
ROE
43.6%▲
2024 · -14.9%
ROA
32.6%▲
2024 · -9.3%
Interest coverage
-54.08▲
2024 · -127.05
Debt ≤ 1 year
€125k▼
2024 · €128k
Income taxes
€378▲
2024 · €0
Staff costs
€0▼
2024 · €379
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€337k€497k▲
Fixed assets21/28€33k€22k▼
Tangible fixed assets22/27€23k€22k▼
Land and buildings22€13k€12k▼
Plant, machinery and equipment23€9k€9k▲
Furniture and vehicles24€189€0▼
Financial fixed assets28€10k€0▼
Current assets29/58€305k€475k▲
Stocks and contracts in progress3€134k€134k=
Stocks30/36€134k€134k=
Amounts receivable within one year40/41€41k€13k▼
Trade receivables40€26k€5k▼
Other amounts receivable41€15k€8k▼
Cash at bank and in hand54/58€129k€327k▲
Deferred charges and accrued income490/1€280€290▲
Equity and liabilities
Total equity and liabilities10/49€337k€497k▲
Equity10/15€209k€371k▲
Contributions10/11€150k€150k=
Capital10€150k€150k=
Issued capital100€150k€150k=
Reserves13€9k€9k=
Non-distributable reserves130/1€9k€9k=
Legal reserve130€9k€9k=
Profit (loss) carried forward14€51k€213k▲
Amounts payable17/49€128k€125k▼
Amounts payable within one year42/48€128k€125k▼
Trade debts44-€447
Suppliers440/4-€447
Taxes, remuneration and social security45€1k-
Taxes450/3€1k-
Other amounts payable47/48€127k€125k▼
Income statement
Code20242025
Non-recurring operating income76A€1-
Goods, raw materials, services and sundry goods60/61€39k€39k▼
Remuneration, social security and pensions62€379€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€2k€3k▲
Non-recurring operating charges66A€7€43▲
Gross operating margin9900€-27k€-9k▲
Operating profit (loss)9901€-31k€-14k▲
Financial income75/76B€0€177k▲
Recurring financial income75€0€0▲
Non-recurring financial income76B-€177k
Financial charges65/66B€273€318▲
Recurring financial charges65€232€222▼
Non-recurring financial charges66B€41€96▲
Profit (loss) for the period before taxes9903€-31k€162k▲
Income taxes67/77€0€378▲
Profit (loss) for the period9904€-31k€162k▲
Profit (loss) for the period to be appropriated9905€-31k€162k▲
Appropriation of the result
Profit (loss) to be appropriated9906€51k€213k▲
Profit (loss) brought forward from the previous period14P€82k€51k▼
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
18-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €162k
Net result €162k after one loss-making year.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
20-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €167k
Net result €167k after 5 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 2.62
Current ratio from 1.12 to 2.62; short-term debt falls from €374k to €133k.
31-12
Financial
Equity above €200kEq €241k ▲229%
Equity rises from €73k to €241k.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 16 days late
2021
29-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 29 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 27 days late
2019
31-12
Financial
Weakest financial yearnet €-54k
Net result drops to €-54k, the lowest in the series; recovery starts the following year.
Show earlier events
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 2 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
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, Chapelle-lez-Herlaimont · 1 establishment unit since 2007
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 Solvay 217160 Chapelle-lez-HerlaimontGround area
176 m²
Building footprint
66 m²
Volume, LiDAR
618 m³
Parcel 52010A0216/00M015, Wallonia · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
"M & BATIR"
since 20072.163.162.158
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52010A0216/00M015 | Wallonia | 176 m² | 1 · 66 m² | 11.1 m · 3 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
EUROCONSTRUCT INT.
BE 0448.812.763
Lede · Eq €371,288
IMMOBILIERE L'ECUREUIL
BE 0550.468.565
Lierneux · Eq €371,306
IMSONIC
BE 0421.713.240
Elsene · Eq €371,430
ALTIUS IMMO
BE 0744.797.177
Manage · Eq €370,646
SOM DESIGN
BE 0456.553.363
Diepenbeek · Eq €370,503
Of 9,694 companies in sector 68121 we hold annual accounts for 7,383. 5,003 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 formPublic limited company
Founded05-06-2007
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.