M.C.S.D.
ActiveSummary
M.C.S.D. has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.60M and a net result of €10k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 95% of 3480 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability39▼-5
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
short-term debt: 0.8% and cash: 1.6% of total assets, and 0.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
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
99.2%
Return on assets
0.6%
Age of the figures
9 mo
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 08-07-2026, 23 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
23 d early
2024
108 d early
2023
48 d early
2022
66 d early
2022
193 d early
← 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, micro schema
Equity
€1.60M▲ 0.6%
2024 · €1.59M
2022: €1.55M
2023: €1.54M
2024: €1.59M
2022 → 2025
Total assets
€1.61M▲ 0.3%
2024 · €1.60M
2022: €1.55M
2023: €1.55M
2024: €1.60M
2022 → 2025
Net result
€10k▼ 77.9%
2024 · €43k
2022: €-7k
2023: €-6k
2024: €43k
2022 → 2025
Working capital
€1.60M▲ 0.6%
2024 · €1.59M
2022: €1.55M
2023: €1.54M
2024: €1.59M
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€1.55M-€1.54M▼ 0.4%€1.59M▲ 2.8%€1.60M▲ 0.6%
Operating result€-6k-€-6k▲ 10.9%€-9k▼ 51.1%€2k
Net result€-7k-€-6k▲ 9.5%€43k€10k▼ 77.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €2k after a loss of €9k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €1.61M
Equity
€1.60M ▲ 0.6%
Debt
€13k ▼ 27.1%
Debt's share of the balance-sheet total falls from 1.1% to 0.8%. Equity is higher and debt is lower.
Key figures and ratios
Debt to equity
0.01▼
2024 · 0.01
ROE
0.6%▼
2024 · 2.7%
ROA
0.6%▼
2024 · 2.7%
Debt ≤ 1 year
€13k▼
2024 · €18k
Income taxes
€5k▼
2024 · €15k
A ratio outside any meaningful range has been withheld (balance sheet total €1.61M, equity €1.60M).
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 · 35 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.60M€1.61M▲
Current assets29/58€1.60M€1.61M▲
Amounts receivable within one year40/41€16k€14k▼
Trade receivables40€100€2k▲
Other amounts receivable41€16k€12k▼
Current investments50/53€0€1.57M▲
Cash at bank and in hand54/58€1.59M€26k▼
Equity and liabilities
Total equity and liabilities10/49€1.60M€1.61M▲
Equity10/15€1.59M€1.60M▲
Contributions10/11€4k€4k=
Reserves13€43k€53k▲
Distributable reserves133€43k€53k▲
Profit (loss) carried forward14€1.54M€1.54M=
Amounts payable17/49€18k€13k▼
Amounts payable within one year42/48€18k€13k▼
Trade debts44€319€449▲
Suppliers440/4€319€449▲
Taxes, remuneration and social security45€4k€1k▼
Taxes450/3€4k€1k▼
Other amounts payable47/48€14k€12k▼
Income statement
Code20242025
Other operating charges640/8€169€1k▲
Gross operating margin9900€-9k€3k▲
Operating profit (loss)9901€-9k€2k▲
Financial income75/76B€68k€13k▼
Recurring financial income75€68k€13k▼
Financial charges65/66B€218€265▲
Recurring financial charges65€218€265▲
Profit (loss) for the period before taxes9903€59k€14k▼
Income taxes67/77€15k€5k▼
Profit (loss) for the period9904€43k€10k▼
Profit (loss) for the period to be appropriated9905€43k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.58M€1.55M▼
Profit (loss) brought forward from the previous period14P€1.54M€1.54M=
Transfer to equity691/2€43k€10k▼
To other reserves6921€43k€10k▼
The notes to these accounts (1 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €43k
Net result €43k after 2 loss-making years.
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-02
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified 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, Tournai · 1 establishment unit since 2022
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.
Avenue des Erables(TOU) 17500 TournaiGround area
2,234 m²
Building footprint
190 m²
Volume, LiDAR
1,160 m³
Parcel 57463L0465/00X002, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
M.C.S.D.
since 20222.327.933.484
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57463L0465/00X002 | Wallonia | 2,234 m² | 1 · 190 m² | 8.1 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
DECO-TECH
BE 0668.610.310
Ittre · Eq €2.03M
DBDECO
BE 0818.714.048
Wavre · Eq €1.14M
Costenoble
BE 0830.786.588
Brugge · Eq €1.10M
AL DENTE
BE 0456.575.832
Dilbeek · Eq €1.04M
ATRIUM INTERIEURS
BE 0806.627.155
Antwerpen · Eq €931k
Of 1,449 companies in sector 74130 we hold annual accounts for 341. 65 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
Founded21-01-2022
Fiscal year end31-12
Activities, NACEBEL 2025
74130Interior design
73110Advertising agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.