M-DL Care

Active

Private limited companyfounded 20215 yrs activeBavikhoofsestraat 177, 8520 Kuurne, BelgiumKBO/BCE: BE 0760.760.805

M-DL Care has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €36k and a net result of €8k. Its solvency ranks better than 16% of 523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

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Checked score

Score 2025

54 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability41▼-32

Solvency31▼-31

Growth78

Track record94

Bankruptcy probability, 12 months

0.6% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €1.5k at 30 days acceptable

Liquidity short (current ratio 0.61 against 1.24 in 2024; short-term debt: 14.5% and cash: 3.4% of total assets), and 94.2% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Eight signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 88

Relative position

BE, all sectors

reference

Sector 88

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

5.8%

Return on assets

1.3%

Age of the figures

9 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 523 sector peers (2025).

NBB · sector comparison

Position among 523 sector peers

Solvency

better than 16%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 2 filings

Deviation from the deadline

2025

28 d late

2024

30 d early

← before the deadline after the deadline →

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 months

Position in the running window

21-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€36k▲ 28.1%

2024 · €28k

2024: €28k

2024 → 2025

Total assets

€629k▲ 729%

2024 · €76k

2024: €76k

2024 → 2025

Net result

€8k▲ 217%

2024 · €3k

2024: €3k

2024 → 2025

Working capital

€-36k

2024 · €8k

2024: €8k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€28k-€36k▲ 28.1%

Operating result€4k-€23k▲ 448%

Net result€3k-€8k▲ 217%

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 2025; 2025 is 448% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €629k

91.2%

Fixed assets €574k▲ 1,510%

Current assets €56k▲ 38.0%

Equity and liabilities €629k

94.2%

Equity €36k▲ 28.1%

Debt €593k▲ 1,149%

The debt ratio rises from 62.5% to 94.2%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€34k▲

2024 · €18k

Cash flow

€19k▲

2024 · €17k

Solvency

5.8%▼

2024 · 37.5%

Current ratio

0.61▼

2024 · 1.24

Quick ratio

0.61▼

2024 · 1.24

Debt / equity

16.27▲

2024 · 1.67

ROE

22.0%▲

2024 · 8.9%

ROA

1.3%▼

2024 · 3.3%

Interest coverage

2.49▼

2024 · 76.54

Debt

€593k▲

2024 · €47k

Debt ≤ 1 year

€91k▲

2024 · €33k

Debt > 1 year

€501k▲

2024 · €15k

Income taxes

€1k▼

2024 · €1k

Staff costs

€14k

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€76k€629k▲

Fixed assets21/28€36k€574k▲

Tangible fixed assets22/27€36k€574k▲

Land and buildings22-€539k

Plant, machinery and equipment23-€28k

Furniture and vehicles24€28k-

Other tangible fixed assets26€8k€6k▼

Financial fixed assets28-€1

Current assets29/58€40k€56k▲

Amounts receivable within one year40/41€26k€20k▼

Trade receivables40€25k€19k▼

Other amounts receivable41€2k€2k=

Cash at bank and in hand54/58€8k€22k▲

Deferred charges and accrued income490/1€6k€14k▲

Equity and liabilities

Total equity and liabilities10/49€76k€629k▲

Equity10/15€28k€36k▲

Contributions10/11€700€700=

Reserves13€28k€36k▲

Distributable reserves133€28k€36k▲

Amounts payable17/49€47k€593k▲

Amounts payable after more than one year17€15k€501k▲

Financial debts170/4€15k€501k▲

Amounts payable within one year42/48€33k€91k▲

Current portion of amounts payable after more than one year42€12k€38k▲

Trade debts44€2k€200▼

Suppliers440/4€2k€200▼

Taxes, remuneration and social security45€4k€12k▲

Taxes450/3€4k€5k▲

Remuneration and social security454/9-€7k

Other amounts payable47/48€14k€41k▲

Income statement Code20242025

Remuneration, social security and pensions62-€14k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€11k▼

Other operating charges640/8€126€2k▲

Non-recurring operating charges66A-€13k

Gross operating margin9900€19k€64k▲

Operating profit (loss)9901€4k€23k▲

Financial income75/76B-€88

Recurring financial income75-€88

Financial charges65/66B€241€14k▲

Recurring financial charges65€241€14k▲

Profit (loss) for the period before taxes9903€4k€9k▲

Income taxes67/77€1k€1k▼

Profit (loss) for the period9904€3k€8k▲

Profit (loss) for the period to be appropriated9905€3k€8k▲

Appropriation of the result

Profit (loss) to be appropriated9906€3k€8k▲

Transfer to equity691/2€3k€8k▲

To other reserves6921€3k€8k▲

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

28-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 28 days late

2025

01-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

NBB filing

Directors · office · real estate

Directors

2 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, Kuurne · 2 establishment units since 2021

establishment All 2 establishment units on the map

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.

Bavikhoofsestraat 1778520 Kuurne

Ground area

1,317 m²

Building footprint

347 m²

Volume, LiDAR

1,662 m³

2 parcels, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.

2 establishment units

De Laender

Bavikhoofsestraat 177, 8520 KuurneAgents in non-specialised wholesale trade

since 20212.319.452.815

Kinderdagverblijf De Honingbij

Deerlijkseweg 13, 8790 WaregemDay nurseries and crèches

since 20252.374.829.422

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
34023C0030/00K000	Flanders	801 m²	1 · 236 m²	7.0 m · 2 fl.
34453E0222/00T000	Flanders	516 m²	1 · 112 m²	6.2 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

2025 · 2 entries · 38,072 EUR awarded · 38,072 EUR paid

Year	Entries	awarded	paid
2025	2	38,072 EUR	38,072 EUR

Schemes

Subsidies voorschoolse kinderopvang

1 entry · 36,072 EUR · 36,072 EUR paid · Opgroeien regie

Hinderpremie bij openbare werken

1 entry · 2,000 EUR · 2,000 EUR paid · Fonds voor Innoveren en Ondernemen

Recognitions · licences · registrations

Food safety, FASFC

1 site

Waregem2.374.829.422

1 permission

Toelating · Crèche (bereiding - distributie maaltijden) · since 03-07-2025

Care and welfare

1 service

Kinderdagverblijf De Honingbij

Opgroeien (child and family agency) · live

Groepsopvang · Voorschoolse Opvang

Dual-learning approval

1 live approval

Kinderbegeleider duaal (so)

Goedgekeurd · 2026 to 2031

Similar companies · same sector, comparable size

Of 1,590 companies in sector 88911 we hold annual accounts for 707. 459 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded04-01-2021

Fiscal year end31-12

Activities, NACEBEL

88911Day nurseries and crèches

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.