Active BE 0753.943.683Private limited company

M&F CONSTRUCTION

Temselaan 3 A ·1853 Grimbergen, Belgium· 5 yrs active

Sector: Construction of buildings (41001)

Conclusion Checked

The computed 12-month bankruptcy probability of M&F CONSTRUCTION is 4.8% (elevated). The 2021 annual accounts show equity of €3k and a net result of €838. The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Key figures

Equity	€3k
Net result	€838
Active	5 yrs
Board	1

Snowflake analysis 4 of 5 axes measured · computed by Checked

84 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 78

Profitability 100

Solvency 77

Growth -

Stability 79

Bankruptcy probability (12 mo) Checked model v1 · free

4.8% Elevated

0%0,5%1,5%4%10%≥25%

Annual accounts: weaker financial profile +Young company +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2020, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags 0 events

No administrative flags

Health barometer FY 2021 · computed

78 / 100 Excellent

050100

Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

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Computed by Checked from the NBB filing for FY 2021. Indicative, not credit advice.

Financial overview4 NBB filings

Annual accounts filed on 31-08-2025 with the NBB · fiscal year 2024 · micro

Highlight YoY changes (±10%)

Fiscal year	2021
Deposit	micro
Revenue	-
EBITDA	-
Net profit	€838
Cash flow	-
Staff costs	-
Income taxes	€237
Dividends	-
Total assets	€7k
Equity	€3k
Debt	€4k
of which ≤ 1y	€4k
of which > 1y	-
Working capital	€3k
Employees (FTE)	-

Ratios (computed)

	2021
Current ratio	1.67
Quick ratio	1.67
Working capital ratio	40.1%
Solvency	40.1%
Debt / equity	1.49
Long-term debt ratio	-
Interest coverage	-
Gross margin	-
Net margin	-
ROA	11.8%
ROE	29.5%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2021

Equity & liabilities

Equity €3k · 40.1% Debt €4k · 59.9%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€7k
Current assets	29/58	€7k
Amounts receivable within one year	40/41	€3k
Cash & bank	54/58	€4k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€7k
Equity	10/15	€3k
Contributions / capital	10/11	€2k
Accumulated profits (losses)	14	€838
Amounts payable	17/49	€4k
Amounts payable within one year	42/48	€4k
Trade debts payable within one year	44	€1k
Income statement
Gross operating margin	9900	€1k
Operating result	9901	€1k
Financial charges	65	€165
Result before taxes	9903	€1k
Income taxes	67/77	€237
Net result for the period	9904	€838
Result to be appropriated	9905	€838

Ratios computed by Checked.

Directors & mandates 2 directors

Current directors & mandates

Marcelino de Miranda Junior Evaldo
Director
State Gazette act 26037514 (16-03-2026)

Current
01-01-2026 → present
2 events
- 16-03-2026 Appointed· Director
- 01-01-2026 Appointed· Director

Former directors (1)

Franco Marley José
Director
State Gazette act 26037514 (16-03-2026)

Former
- → 31-12-2025

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Legal Structure

NACE primary	Construction of buildings(41001)
Legal form	Private limited company(610)
Incorporation	11-09-2020
Status	Active
Postal code	1853

Establishment units 1 location

M&F CONSTRUCTION

Temselaan 3 A, 1853 GrimbergenAlgemene bouw van residentiële gebouwen

since 20202.313.350.030

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23084B0064/00H005	Flanders	162 m²	1 · 162 m²	12.2 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 6 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026

16-03-2026

State Gazette act Director changes

2025

31-08-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

20-09-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

2023

17-07-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

2022

24-08-2022

NBB filing Annual accounts filed

fiscal year 2021 · micro

2020

15-09-2020

State Gazette act Incorporation

oprichting

Belgisch Staatsblad, acts 2 acts

All acts · 2 updated 4 months ago

2026

16-03-2026 2 directors appointed, 1 resigning Director changes

Marcelino de Miranda Junior Evaldo, Bestuurder
Marcelino de Miranda Junior Evaldo, Bestuurder
Franco Marley José, Bestuurder

Original publication ↗

Technical details

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2020

15-09-2020 Incorporation of a new BV Incorporation

Summary: oprichting

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

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Company registry (CBE) Crossroads Bank

Activities

Algemene bouw van residentiële gebouwen41001Algemene bouw van residentiële gebouwen41201Loodgieterswerk43221Sanitaire werkzaamheden43221Installatie van verwarming, klimaatregeling en ventilatie43222Installatie van verwarming, klimaatregeling, koeling en ventilatie aangedreven door elektriciteit43222Plaatsen van vloer- en wandtegels43331Plaatsen van vloer- en wandtegels43331Plaatsen van vloerbedekking en wandbekleding van hout43332Plaatsen van vloerbedekking en wandbekleding van hout43332Schilderen van gebouwen43341Schilderen van gebouwen43341

Primary activity highlighted.

Names & trade names

Legal nameNL

M&F CONSTRUCTION

Registered office

Temselaan 3 A

1853 Grimbergen, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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