M.Design
ActiveM.Design has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €116k and a net result of €95k. Its solvency ranks better than 54% of 20795 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
100
/ 100
Excellent▲ +7 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100=
Growth78
Stability82
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days only on tighter terms
Liquidity ample (current ratio 2.52 against 3.15 in 2023), and 33.9% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-07-2025, 4 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
not confirmed
2024
4 d early
2023
7 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€116k▲ 456%
2023 · €21k
2023: €21k
2023 → 2024
Total assets
€175k▲ 485%
2023 · €30k
2023: €30k
2023 → 2024
Net result
€95k▲ 432%
2023 · €18k
2023: €18k
2023 → 2024
Working capital
€90k▲ 360%
2023 · €20k
2023: €20k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€21k-€116k▲ 456%
Operating result€23k-€122k▲ 441%
Net result€18k-€95k▲ 432%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2024; 2024 is 441% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €175k
Fixed assets
€26k▲ 1,898%
Current assets
€149k▲ 421%
Equity and liabilities €175k
Equity
€116k▲ 456%
Debt
€59k▲ 551%
The debt ratio rises from 30.4% to 33.9%: debt grows faster than equity.
Key figures and ratios
EBITDA
€125k▲
2023 · €23k
Cash flow
€99k▲
2023 · €18k
Solvency
66.1%▼
2023 · 69.6%
Current ratio
2.52▼
2023 · 3.15
Quick ratio
2.52▼
2023 · 3.15
Debt / equity
0.51▲
2023 · 0.44
ROE
82.0%▼
2023 · 85.6%
ROA
54.2%▼
2023 · 59.6%
Interest coverage
2115.77▼
2023 · 2580.71
Debt
€59k▲
2023 · €9k
Debt ≤ 1 year
€59k▲
2023 · €9k
Income taxes
€27k▲
2023 · €5k
Staff costs
€32k
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
Total assets
20/58€30k€175k▲
Fixed assets
21/28€1k€26k▲
Tangible fixed assets
22/27€1k€26k▲
Financial fixed assets
28€170€170=
Current assets
29/58€29k€149k▲
Amounts receivable within one year
40/41€10k€98k▲
Cash & bank
54/58€19k€50k▲
Total equity & liabilities
10/49€30k€175k▲
Equity
10/15€21k€116k▲
Contributions / capital
10/11€3k€3k=
Reserves
13€18k€113k▲
Amounts payable
17/49€9k€59k▲
Amounts payable within one year
42/48€9k€59k▲
Trade debts payable within one year
44€143€5k▲
Income statement
Code20232024
Gross operating margin
9900€23k€159k▲
Operating result
9901€23k€122k▲
Financial income
75-€3
Financial charges
65€9€59▲
Result before taxes
9903€23k€122k▲
Income taxes
67/77€5k€27k▲
Net result for the period
9904€18k€95k▲
Result to be appropriated
9905€18k€95k▲
Timeline · acts, filings and financial milestones
2025
27-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €116k ▲456%
2 profitable years in a row build equity to €116k.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
JSSF consult
BE 0768.775.082
Schilde · Eq €116k
Peak Software
BE 0646.679.895
Torhout · Eq €116k
DIMUCO
BE 0734.973.255
Beveren-Kruibeke-Zwijndrecht · Eq €116k
INFUSE
BE 0780.594.533
Namur · Eq €116k
Black Box Quest
BE 0790.512.584
Gent · Eq €116k
Of 29,862 companies in sector 62200 we hold annual accounts for 18,148. 15,349 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-09-2023
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70220Business consulting
62010Computer programming, consultancy and related activities
62030Computer programming, consultancy and related activities
62900Other information technology and computer services
62100Computer programming
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 20-07-2026. Scores and ratios are computed by Checked and are not a credit decision.