M.C.V.
ActiveM.C.V. has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.81M and a net result of €5k. Equity is growing by ~19.3% per year across the filed fiscal years. Its solvency ranks better than 75% of 13908 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
86
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-6
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500k at 30 days acceptable
Liquidity ample (current ratio 6.79 against 6.19 in 2024), and 35.7% 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○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
64.3%
Return on assets
0.1%
Age of the figures
8 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
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 · 10 filingsDeviation from the deadline
2025
23 d early
2024
35 d early
2023
34 d early
2022
41 d early
2021
39 d early
2020
40 d early
2019
30 d early
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€5.81M▲ 0.1%
2024 · €5.80M
2018: €471k
2019: €2.48M
2020: €2.49M
2021: €2.54M
2022: €5.63M
2023: €5.74M
2024: €5.80M
2018 → 2025
Total assets
€9.03M▼ 2.0%
2024 · €9.22M
2018: €2.02M
2019: €4.72M
2020: €4.95M
2021: €5.06M
2022: €7.93M
2023: €7.78M
2024: €9.22M
2018 → 2025
Net result
€5k▼ 92.8%
2024 · €67k
2018: €34k
2019: €25k
2020: €7k
2021: €58k
2022: €56k
2023: €104k
2024: €67k
2018 → 2025
Working capital
€1.85M▲ 5.8%
2024 · €1.75M
2018: €-630k
2019: €-99k
2020: €-75k
2021: €-50k
2022: €-104k
2023: €61k
2024: €1.75M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.54M-€5.63M▲ 121%€5.74M▲ 1.9%€5.80M▲ 1.2%€5.81M▲ 0.1%
Operating result€100k-€140k▲ 39.8%€151k▲ 7.8%€148k▼ 1.8%€107k▼ 27.6%
Net result€58k-€56k▼ 3.5%€104k▲ 88.2%€67k▼ 35.5%€5k▼ 92.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 28% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €9.03M
Fixed assets
€6.86M▼ 3.8%
Current assets
€2.17M▲ 4.1%
Equity and liabilities €9.03M
Equity
€5.81M▲ 0.1%
Provisions
€270k▼ 5.1%
Debt
€2.95M▼ 5.5%
The debt ratio falls from 33.9% to 32.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€388k▼
2024 · €427k
Cash flow
€286k▼
2024 · €347k
Solvency
64.3%▲
2024 · 63.0%
Current ratio
6.79▲
2024 · 6.19
Quick ratio
6.79▲
2024 · 6.19
Debt / equity
0.51▼
2024 · 0.54
ROE
0.1%▼
2024 · 1.2%
ROA
0.1%▼
2024 · 0.7%
Interest coverage
3.83▼
2024 · 4.74
Debt
€2.95M▼
2024 · €3.13M
Debt ≤ 1 year
€320k▼
2024 · €337k
Debt > 1 year
€2.62M▼
2024 · €2.78M
Income taxes
€16k▼
2024 · €29k
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€9.22M€9.03M▼
Fixed assets21/28€7.13M€6.86M▼
Tangible fixed assets22/27€7.13M€6.86M▼
Land and buildings22€6.87M€6.61M▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€24k€17k▼
Other tangible fixed assets26€233k€233k=
Current assets29/58€2.09M€2.17M▲
Amounts receivable after more than one year29€1.80M€1.85M▲
Other amounts receivable291€1.80M€1.85M▲
Amounts receivable within one year40/41€176k€224k▲
Trade receivables40€30k€2k▼
Other amounts receivable41€146k€222k▲
Current investments50/53€55k€56k▲
Cash at bank and in hand54/58€54k€39k▼
Deferred charges and accrued income490/1€0€828▲
Equity and liabilities
Total equity and liabilities10/49€9.22M€9.03M▼
Equity10/15€5.80M€5.81M▲
Contributions10/11€3.37M€3.37M=
Reserves13€2.43M€2.44M▲
Tax-exempt reserves132€854k€811k▼
Distributable reserves133€1.58M€1.63M▲
Provisions and deferred taxes16€285k€270k▼
Deferred taxes168€285k€270k▼
Amounts payable17/49€3.13M€2.95M▼
Amounts payable after more than one year17€2.78M€2.62M▼
Financial debts170/4€2.78M€2.62M▼
Amounts payable within one year42/48€337k€320k▼
Current portion of amounts payable after more than one year42€167k€165k▼
Trade debts44€14k€1k▼
Suppliers440/4€14k€1k▼
Advances received on contracts in progress46€303€303=
Taxes, remuneration and social security45€15k€16k▲
Taxes450/3€15k€16k▲
Other amounts payable47/48€141k€137k▼
Accrued charges and deferred income492/3€10k€9k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€279k€281k▲
Other operating charges640/8€70k€64k▼
Gross operating margin9900€497k€452k▼
Operating profit (loss)9901€148k€107k▼
Financial income75/76B€24k€774▼
Recurring financial income75€24k€774▼
Financial charges65/66B€90k€101k▲
Recurring financial charges65€90k€101k▲
Profit (loss) for the period before taxes9903€82k€6k▼
Transfer from deferred taxes780€14k€14k=
Income taxes67/77€29k€16k▼
Profit (loss) for the period9904€67k€5k▼
Transfer from tax-exempt reserves789€43k€43k=
Profit (loss) for the period to be appropriated9905€111k€48k▼
Appropriation of the result
Profit (loss) to be appropriated9906€111k€48k▼
Transfer to equity691/2€111k€48k▼
To other reserves6921€111k€48k▼
The notes to these accounts (10 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
31-12
Financial
Weakest financial yearnet €5k ▼92.8%
Net result drops to €5k, the lowest in the series.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 5current ratio 6.19
Current ratio from 1.16 to 6.19; short-term debt falls from €383k to €337k.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €104k ▲88.2%
Operating result €151k, net result €104k, both a record.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €5MEq €5.63M ▲121%
5 profitable years in a row build equity to €5.63M.
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €2MEq €2.48M ▲426%
2 profitable years in a row build equity to €2.48M.
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Herentals · 1 establishment unit since 2002
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.
Collegestraat(HRT) 222200 HerentalsGround area
1,172 m²
Building footprint
306 m²
Volume, LiDAR
2,214 m³
Parcel 13011F0313/00T002, Flanders · tallest building 12.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Collegestraat(HRT) 22, 2200 Herentals
since 20022.114.371.059
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13011F0313/00T002 | Flanders | 1,172 m² | 1 · 306 m² | 12.8 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
NIKA
BE 0452.457.488
Lubbeek · Eq €5.81M
U-PGRADE
BE 0451.666.840
Antwerpen · Eq €5.80M
MONTE VERDI
BE 0880.975.477
Jette · Eq €5.82M
Lakosa
BE 0784.800.868
Aalst · Eq €5.83M
Immo Log
BE 0773.627.854
Herstal · Eq €5.79M
Of 9,093 companies in sector 68201 we hold annual accounts for 6,724. 2,921 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-07-2002
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.