M.C.L.D.
ActiveM.C.L.D. has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €251k and a net result of €28k. Equity is growing by ~5.8% per year across the filed fiscal years. Its solvency ranks better than 69% of 1850 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2024
70
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability77▼-11
Solvency83▲+15
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 2.89 against 2.41 in 2023; short-term debt: 26.6% and cash: 9.8% of total assets), and 42.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 49
Relative position
BE, all sectors
reference
Sector 49
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-10-2025, 82 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
not confirmed
2024
82 d late
2023
14 d late
2022
234 d late
2021
25 d late
2020
19 d early
2019
115 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€251k▲ 12.5%
2023 · €223k
2018: €179k
2019: €234k
2020: €166k
2021: €158k
2022: €195k
2023: €223k
2018 → 2024
Total assets
€436k▼ 15.6%
2023 · €517k
2018: €759k
2019: €628k
2020: €855k
2021: €781k
2022: €623k
2023: €517k
2018 → 2024
Net result
€28k▼ 64.3%
2023 · €78k
2018: €70k
2019: €80k
2020: €107k
2021: €86k
2022: €87k
2023: €78k
2018 → 2024
Working capital
€219k▼ 15.0%
2023 · €257k
2018: €30k
2019: €7k
2020: €-31k
2021: €173k
2022: €253k
2023: €257k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€166k-€158k▼ 4.7%€195k▲ 23.3%€223k▲ 14.2%€251k▲ 12.5%
Operating result€145k-€122k▼ 16.2%€119k▼ 2.5%€113k▼ 5.1%€37k▼ 67.1%
Net result€107k-€86k▼ 19.6%€87k▲ 1.4%€78k▼ 10.5%€28k▼ 64.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2024 is 67% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €436k
Fixed assets
€102k▲ 31.5%
Current assets
€334k▼ 23.9%
Equity and liabilities €436k
Equity
€251k▲ 12.5%
Debt
€185k▼ 37.0%
The debt ratio falls from 56.8% to 42.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€93k▼
2023 · €191k
Cash flow
€83k▼
2023 · €156k
Solvency
57.5%▲
2023 · 43.2%
Current ratio
2.89▲
2023 · 2.41
Quick ratio
2.89▲
2023 · 2.41
Debt / equity
0.74▼
2023 · 1.32
ROE
11.1%▼
2023 · 34.9%
ROA
6.4%▼
2023 · 15.1%
Interest coverage
7.37▼
2023 · 17.32
Debt
€185k▼
2023 · €294k
Debt ≤ 1 year
€116k▼
2023 · €182k
Debt > 1 year
€69k▼
2023 · €111k
Income taxes
€9k▼
2023 · €26k
Staff costs
€664k▼
2023 · €695k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€517k€436k▼
Fixed assets21/28€77k€102k▲
Intangible fixed assets21€23k€0▼
Tangible fixed assets22/27€48k€96k▲
Plant, machinery and equipment23€2k€2k▲
Furniture and vehicles24€37k€89k▲
Leasing and similar rights25€9k€4k▼
Financial fixed assets28€6k€6k=
Current assets29/58€439k€334k▼
Amounts receivable within one year40/41€392k€291k▼
Trade receivables40€217k€213k▼
Other amounts receivable41€175k€78k▼
Cash at bank and in hand54/58€44k€43k▼
Deferred charges and accrued income490/1€4k€720▼
Equity and liabilities
Total equity and liabilities10/49€517k€436k▼
Equity10/15€223k€251k▲
Contributions10/11€144k€144k=
Reserves13€79k€107k▲
Non-distributable reserves130/1€14k€14k=
Reserves not available under the articles1311€14k€14k=
Distributable reserves133€65k€93k▲
Amounts payable17/49€294k€185k▼
Amounts payable after more than one year17€111k€69k▼
Financial debts170/4€111k€69k▼
Amounts payable within one year42/48€182k€116k▼
Current portion of amounts payable after more than one year42€39k€41k▲
Trade debts44€6k€17k▲
Suppliers440/4€6k€17k▲
Taxes, remuneration and social security45€87k€57k▼
Taxes450/3€61k€29k▼
Remuneration and social security454/9€27k€29k▲
Other amounts payable47/48€50k€0▼
Income statement
Code20232024
Remuneration, social security and pensions62€695k€664k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€78k€55k▼
Other operating charges640/8€11k€17k▲
Gross operating margin9900€896k€773k▼
Operating profit (loss)9901€113k€37k▼
Financial income75/76B€2k€13k▲
Recurring financial income75€2k€13k▲
Financial charges65/66B€11k€13k▲
Recurring financial charges65€11k€13k▲
Profit (loss) for the period before taxes9903€104k€37k▼
Income taxes67/77€26k€9k▼
Profit (loss) for the period9904€78k€28k▼
Profit (loss) for the period to be appropriated9905€78k€28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€78k€28k▼
Transfer to equity691/2€28k€28k=
To the legal reserve6920€28k€28k=
Shareholders' contribution to the loss794-€0
Profit to be distributed694/7€50k-
Directors or managers695€50k-
Social balance
Average headcount (FTE)908717.717.7=
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
21-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 82 days late
2024
31-12
Financial
Weakest financial yearnet €28k ▼64.3%
Net result drops to €28k, the lowest in the series.
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 14 days late
21-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 234 days late
2023
31-12
Financial
Equity above €200kEq €223k ▲14.2%
6 profitable years in a row build equity to €223k.
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 25 days late
2021
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €107k ▲33.5%
Operating result €145k, net result €107k, both a record.
23-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 115 days late
2019
31-12
Financial
Equity above €200kEq €234k ▲31.1%
2 profitable years in a row build equity to €234k.
06-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
17-05
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Ronse · 1 establishment unit since 2013
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.
Scherpenberg 169600 RonseGround area
529 m²
Building footprint
400 m²
Volume, LiDAR
2,225 m³
2 parcels, Flanders · tallest building 14.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
M.C.L.D.
since 20132.226.835.037
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45041A1365/00A000 | Flanders | 300 m² | 1 · 221 m² | 14.2 m · 2 fl. |
| 34005C0671/00C002 | Flanders | 229 m² | 1 · 179 m² | 10.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 5 entries · 18,747 EUR awarded · 18,747 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 3,253 EUR | 3,253 EUR |
| 2024 | 1 | 11,830 EUR | 11,830 EUR |
| 2023 | 2 | 3,664 EUR | 3,664 EUR |
Schemes
Individueel Maatwerk
Vlaams opleidingsverlof (VOV)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 7,002 companies in sector 49320 we hold annual accounts for 2,712. 1,377 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded27-09-2013
Fiscal year end31-12
Activities, NACEBEL
49320Non-scheduled passenger transport by road
49390Land transport and transport via pipelines
86903Human health activities
86920Human health activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 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.
Contact details
1 entryE-mail:jarino@ambulance-luc.eu