Financials
- Financial year
- 2025
- Total assets
- €8,418
- Loss
- -€1,251
- Solvency
- 98.1%
M&D BATIMENT
ActiveSummary
The computed 12-month bankruptcy probability of M&D BATIMENT is 5.4% (elevated). The 2025 annual accounts show equity of €8,259 and a net result of -€1,251. Its solvency ranks better than 95% of 9,031 sector peers (NACE 41, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
General construction of residential buildings
NACE 41001
1 site
Size
€8,418total assets 2025
- Equity
- €8,259
- Loss
- -€1,251
Turnover not published (micro format)
Structure
Accounts filed 61 days late0 of 1 deed read
Why 40raises riskFounded in 2024Sector: Construction of residential and non-residential buildings (NACE 41)Liquidity: current ratio 53.00Latest accounts 61 days late; 1 of the last 3 lateShow the evidence
Checked score
Score 2025
40
/ 100
Weak
Probability in this band: 4.2% to 15.0%
Financially better than 68% of its sector peers (NACE 41, micro)
Financial strength
Strong
Solvency
100
equity 98.1% of total assets
Liquidity
100
short-term debt 1.9%
Profitability
7
return on assets -14.9%
Bankruptcy probability, 12 months
5.4%
Elevated
0%0.5%1.5%4%10%≥ 25%
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
05-2025: 3.7%lowest value
06-2025: 3.8%▲ +0.1 percentage points vs 05-2025
07-2025: 3.9%▲ +0.1 percentage points vs 06-2025
08-2025: 4.2%▲ +0.3 percentage points vs 07-2025
09-2025: 4.4%▲ +0.2 percentage points vs 08-2025
10-2025: 4.7%▲ +0.3 percentage points vs 09-2025
11-2025: 5.2%▲ +0.5 percentage points vs 10-2025
12-2025: 5.2%● unchanged vs 11-2025
01-2026: 5.0%▼ -0.2 percentage points vs 12-2025
02-2026: 5.0%● unchanged vs 01-2026
03-2026: 5.3%▲ +0.3 percentage points vs 02-2026
04-2026: 5.4%▲ +0.1 percentage points vs 03-2026
05-2026: 5.4%● unchanged vs 04-2026highest value
06-2026: 5.4%● unchanged vs 05-2026highest value
07-2026: 5.4%● unchanged vs 06-2026highest value
08-2026: 5.4%● unchanged vs 07-2026highest value
09-2026: 5.4%● unchanged vs 08-2026highest value
10-2026: 5.4%● unchanged vs 09-2026
No publishable credit limit; credit only on tighter terms
Liquidity ample (current ratio 53.0; short-term debt: 1.9% of total assets), and 1.9% of the assets are financed with debt.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro): better than 92% on solvency, 99% on liquidity and 12% on profitability.
The bankruptcy probability was computed on 10-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Five signals.
raises riskneutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days later. For context: 47% of Belgian companies file late, and of those that file 1 to 90 days late, 2.0% are now in a legal situation other than normal in the KBO (such as bankruptcy, liquidation or dissolution), against 1.66% of all filers. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
61 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- General construction of residential buildingsNACE 41001
- Founded
- 16-04-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what payment terms?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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