M & C IMMO
ActiveSummary
M & C IMMO has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €950k and a net result of €495k. Equity is growing by ~10.2% per year across the filed fiscal years. Its solvency ranks better than 66% of 9194 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+31
Solvency76▲+29
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity tight (current ratio 1.24 against 0.03 in 2024; short-term debt: 13.3% and cash: 12.8% of total assets), and 48.6% 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 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
51.4%
Return on assets
26.8%
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 31-08-2026, 31 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 · 8 filingsDeviation from the deadline
2025
31 d late
2024
27 d late
2023
22 d late
2022
23 d late
2021
33 d early
2020
31 d late
2019
87 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
25-09-2026 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
€495k
2024 · €-584
2019: €25k
2020: €29k
2021: €31k
2022: €45k
2023: €41k
2024: €-584
2019 → 2025
Working capital
€58k
2024 · €-1.36M
2019: €-74k
2020: €-99k
2021: €-144k
2022: €-185k
2023: €-251k
2024: €-1.36M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€370k-€414k▲ 12.1%€455k▲ 9.9%€454k▼ 0.1%€950k▲ 109%
Operating result€52k-€75k▲ 43.1%€69k▼ 8.1%€22k▼ 68.5%€679k▲ 3,029%
Net result€31k-€45k▲ 42.5%€41k▼ 8.5%€-584€495k
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 3,029% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.85M
Fixed assets
€1.54M ▼ 25.0%
Current assets
€304k ▲ 769%
Equity and liabilities €1.85M
Equity
€950k ▲ 109%
Provisions
€138k
Debt
€762k ▼ 53.5%
Debt's share of the balance-sheet total falls from 78.3% to 41.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€755k▲
2024 · €137k
Cash flow
€571k▲
2024 · €114k
Current ratio
1.24▲
2024 · 0.03
Debt to equity
0.80▼
2024 · 3.61
ROE
52.1%▲
2024 · -0.1%
ROA
26.8%▲
2024 · 0.0%
Interest coverage
57.42▲
2024 · 6.05
Debt ≤ 1 year
€246k▼
2024 · €1.39M
Debt > 1 year
€513k▲
2024 · €237k
Income taxes
€33k▲
2024 · €-266
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 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.09M€1.85M▼
Fixed assets21/28€2.06M€1.54M▼
Tangible fixed assets22/27€2.06M€1.54M▼
Land and buildings22€2.05M€1.54M▼
Furniture and vehicles24€7k€5k▼
Current assets29/58€35k€304k▲
Amounts receivable within one year40/41€23k€64k▲
Trade receivables40€3k€45k▲
Other amounts receivable41€19k€19k▼
Cash at bank and in hand54/58€10k€237k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€2.09M€1.85M▼
Equity10/15€454k€950k▲
Contributions10/11€20k€20k=
Reserves13€199k€695k▲
Tax-exempt reserves132-€414k
Distributable reserves133€199k€281k▲
Profit (loss) carried forward14€235k€235k=
Provisions and deferred taxes16-€138k
Deferred taxes168-€138k
Amounts payable17/49€1.64M€762k▼
Amounts payable after more than one year17€237k€513k▲
Financial debts170/4€234k€160k▼
Other amounts payable178/9€3k€353k▲
Amounts payable within one year42/48€1.39M€246k▼
Current portion of amounts payable after more than one year42€73k€74k▲
Financial debts43€854k€4k▼
Credit institutions430/8€854k€4k▼
Trade debts44€269k€109k▼
Suppliers440/4€269k€109k▼
Taxes, remuneration and social security45-€28k
Taxes450/3-€28k
Other amounts payable47/48€199k€32k▼
Accrued charges and deferred income492/3€8k€2k▼
Income statement
Code20242025
Non-recurring operating income76A-€588k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€115k€76k▼
Other operating charges640/8€15k€14k▼
Gross operating margin9900€152k€769k▲
Operating profit (loss)9901€22k€679k▲
Financial income75/76B-€9
Recurring financial income75-€9
Financial charges65/66B€23k€13k▼
Recurring financial charges65€23k€13k▼
Profit (loss) for the period before taxes9903€-850€666k▲
Transfer from deferred taxes780-€9k
Transfer to deferred taxes680-€147k
Income taxes67/77€-266€33k▲
Profit (loss) for the period9904€-584€495k▲
Transfer from tax-exempt reserves789-€26k
Transfer to tax-exempt reserves689-€440k
Profit (loss) for the period to be appropriated9905€-584€82k▲
Appropriation of the result
Profit (loss) to be appropriated9906€235k€317k▲
Profit (loss) brought forward from the previous period14P€236k€235k▼
Transfer to equity691/2-€82k
To other reserves6921-€82k
The notes to these accounts (16 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Back to profitnet €495k
Net result €495k after one loss-making year.
31-12
Financial
Liquidity times 49current ratio 1.24
Current ratio from 0.03 to 1.24; short-term debt falls from €1.39M to €246k.
31-12
Financial
Equity above €500kEq €950k ▲109%
Equity rises from €454k to €950k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 27 days late
2024
31-12
Financial
Weakest financial yearnet €-584
Net result drops to €-584, the lowest in the series; recovery starts the following year.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 22 days late
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 23 days late
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 87 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Jette · 2 establishment units since 2021
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.
Burgemeester Etienne Demunterl. 51090 JetteGround area
256 m²
Building footprint
84 m²
Parcel 23084B0058/00C002, Flanders. Linked by address, not a title deed.
2 establishment units
M & C IMMO
since 20212.324.942.421
M&C IMMO
since 20242.366.426.549
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23084B0058/00C002 | Flanders | 256 m² | 1 · 84 m² | - |
Linked by address, not proof of ownership
Methodology
via establishment units: 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
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VAN DYCK
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Hertsens Beheer
BE 0627.895.450
Beveren-Kruibeke-Zwijndrecht · Eq €948k
Comgoed Kallo
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Of 9,136 companies in sector 68201 we hold annual accounts for 6,765. 4,857 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
Founded04-01-2018
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.