M-FLOORS
ActiveM-FLOORS has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €329k and a net result of €76k. Equity is growing by ~26% per year across the filed fiscal years. Its solvency ranks better than 53% of 7778 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-3
Solvency71▼-22
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 1.79 against 3.14 in 2024; short-term debt: 53.7% and cash: 0.6% of total assets), but 53.7% 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+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
46.3%
Return on assets
10.7%
Age of the figures
12 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 30-09-2025 was due by 30-04-2026 and was filed on 24-02-2026, 65 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
65 d early
2024
30 d early
2023
39 d early
2022
60 d early
2021
5 d early
2020
12 d late
2019
176 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€329k▲ 29.0%
2024 · €255k
2018: €65k
2019: €67k
2020: €84k
2021: €137k
2022: €165k
2023: €208k
2024: €255k
2018 → 2025
Total assets
€711k▲ 90.8%
2024 · €373k
2018: €142k
2019: €170k
2020: €167k
2021: €291k
2022: €522k
2023: €396k
2024: €373k
2018 → 2025
Net result
€76k▲ 60.8%
2024 · €47k
2018: €5k
2019: €2k
2020: €17k
2021: €53k
2022: €30k
2023: €43k
2024: €47k
2018 → 2025
Working capital
€301k▲ 19.2%
2024 · €253k
2018: €46k
2019: €46k
2020: €74k
2021: €120k
2022: €150k
2023: €192k
2024: €253k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€137k-€165k▲ 20.3%€208k▲ 26.2%€255k▲ 22.8%€329k▲ 29.0%
Operating result€85k-€50k▼ 41.1%€68k▲ 34.1%€71k▲ 5.1%€125k▲ 75.9%
Net result€53k-€30k▼ 42.4%€43k▲ 41.7%€47k▲ 9.6%€76k▲ 60.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 76% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €711k
Fixed assets
€28k▲ 1,043%
Current assets
€683k▲ 84.4%
Equity and liabilities €711k
Equity
€329k▲ 29.0%
Debt
€382k▲ 224%
The debt ratio rises from 31.6% to 53.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€135k▲
2024 · €73k
Cash flow
€86k▲
2024 · €49k
Solvency
46.3%▼
2024 · 68.4%
Current ratio
1.79▼
2024 · 3.14
Quick ratio
1.57▼
2024 · 2.92
Debt / equity
1.16▲
2024 · 0.46
ROE
23.1%▲
2024 · 18.5%
ROA
10.7%▼
2024 · 12.7%
Interest coverage
7.67▼
2024 · 16.71
Debt
€382k▲
2024 · €118k
Debt ≤ 1 year
€382k▲
2024 · €118k
Income taxes
€31k▲
2024 · €19k
Staff costs
€27k▲
2024 · €25k
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€373k€711k▲
Fixed assets21/28€2k€28k▲
Tangible fixed assets22/27€2k€28k▲
Plant, machinery and equipment23€535€320▼
Furniture and vehicles24€2k€24k▲
Other tangible fixed assets26-€4k
Financial fixed assets28€45€45=
Current assets29/58€370k€683k▲
Stocks and contracts in progress3€26k€83k▲
Stocks30/36€26k€29k▲
Contracts in progress37-€54k
Amounts receivable within one year40/41€318k€588k▲
Trade receivables40€261k€471k▲
Other amounts receivable41€57k€118k▲
Cash at bank and in hand54/58€18k€4k▼
Deferred charges and accrued income490/1€8k€7k▼
Equity and liabilities
Total equity and liabilities10/49€373k€711k▲
Equity10/15€255k€329k▲
Contributions10/11€19k€19k=
Reserves13€236k€310k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€236k€310k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€118k€382k▲
Amounts payable within one year42/48€118k€382k▲
Current portion of amounts payable after more than one year42-€50k
Financial debts43€25k€12k▼
Credit institutions430/8€25k€0▼
Other loans439-€12k
Trade debts44€62k€287k▲
Suppliers440/4€62k€287k▲
Taxes, remuneration and social security45€12k€15k▲
Taxes450/3€9k€11k▲
Remuneration and social security454/9€3k€4k▲
Other amounts payable47/48€19k€18k▼
Accrued charges and deferred income492/3€0€350▲
Income statement
Code20242025
Remuneration, social security and pensions62€25k€27k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€10k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€3k€2k▼
Gross operating margin9900€100k€164k▲
Operating profit (loss)9901€71k€125k▲
Financial income75/76B€97€2▼
Recurring financial income75€97€2▼
Financial charges65/66B€4k€18k▲
Recurring financial charges65€4k€18k▲
Profit (loss) for the period before taxes9903€67k€107k▲
Income taxes67/77€19k€31k▲
Profit (loss) for the period9904€47k€76k▲
Profit (loss) for the period to be appropriated9905€47k€76k▲
Appropriation of the result
Profit (loss) to be appropriated9906€47k€76k▲
Transfer from equity791/2-€2k
Transfer to equity691/2€47k€76k▲
To other reserves6921€47k€76k▲
Profit to be distributed694/7-€2k
Return on contributions (dividend)694-€2k
Social balance
Average headcount (FTE)90871.50.0▼
The notes to these accounts (20 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
24-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Highest result since 2018net €76k ▲60.8%
Operating result €125k, net result €76k, both a record.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
22-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Equity above €200kEq €208k ▲26.2%
6 profitable years in a row build equity to €208k.
01-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Equity above €150kEq €165k ▲20.3%
5 profitable years in a row build equity to €165k.
25-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Equity above €100kEq €137k ▲63%
4 profitable years in a row build equity to €137k.
12-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2020
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 176 days late
2019
30-09
Financial
Weakest financial yearnet €2k ▼57.1%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
28-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
27-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Genk · 1 establishment unit since 2017
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.
Winterbeeklaan 453600 GenkGround area
2,999 m²
Building footprint
1,423 m²
Volume, LiDAR
3,945 m³
Parcel 71305F1352/00N020, Flanders · tallest building 10.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
M-Floors
since 20172.260.628.847
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71305F1352/00N020 | Flanders | 2,999 m² | 1 · 1,423 m² | 10.9 m · 1 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.
Recognitions · licences · registrations
Recognised contractor
2 categoriesM-FLOORS BV43908
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Of 3,963 companies in sector 43331 we hold annual accounts for 1,791. 1,226 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-03-2013
Fiscal year end30-09
Activities, NACEBEL
43331Floor and wall tiling
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.