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M-interieur

Active
Private limited companyfounded 20215 yrs activeHeide 33, 3920 Lommel, BelgiumKBO/BCE: BE 0762.618.156
Summary

M-interieur has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22,150 and a net result of -€4,591. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 19% of 32341 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

Risk analysisWatch ReportCompare
M-interieurActiveChecked score 70/100
Risk analysis ReportCompare

Overview

Activity
Joinery installation
NACE 43320
2 sites
Size
€133,770total assets 2025
Equity
€22,150
Loss
-€4,591
Turnover not published (abridged schema)
Financial health
70 Healthy Checked score 2025
Bankruptcy chance 12 m
0.6%
Structure
Accounts 140 d early0 of 1 deed read
Why 70- Founded in 2021- Equity €22,150 (16.6% of total assets)- Sector Specialised construction activities (NACE 43)+ Liquidity: current ratio 10.17, cash €55,425Show the evidence

Checked score

Score 2025
70 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 42% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 42-3
equity 16.6% of total assets
Liquidity 100+24
short-term debt 4.7% · cash 41.4%
Profitability 64=
return on assets -3.4%
Bankruptcy probability, 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%

About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,133 companies)
Last 24 months 11-2024: 0.3% 12-2024: 0.3%● 0.0% vs 11-2024 01-2025: 0.3%▼ -6.5% vs 12-2024 02-2025: 0.3%▼ -1.7% vs 01-2025lowest value 03-2025: 0.3%▲ +2.1% vs 02-2025 04-2025: 0.3%▲ +4.2% vs 03-2025 05-2025: 0.3%▲ +11.0% vs 04-2025 06-2025: 0.4%▲ +8.4% vs 05-2025 07-2025: 0.4%▲ +12.4% vs 06-2025 08-2025: 1.1%▲ +160% vs 07-2025highest value 09-2025: 1.1%● 0.0% vs 08-2025highest value 10-2025: 1.1%● 0.0% vs 09-2025highest value 11-2025: 1.1%● 0.0% vs 10-2025highest value 12-2025: 1.1%● 0.0% vs 11-2025highest value 01-2026: 1.0%▼ -4.2% vs 12-2025 02-2026: 1.0%▼ -4.0% vs 01-2026 03-2026: 1.0%▼ -0.6% vs 02-2026 04-2026: 0.6%▼ -34.4% vs 03-2026 05-2026: 0.6%▼ -3.5% vs 04-2026 06-2026: 0.6%● 0.0% vs 05-2026 07-2026: 0.6%● 0.0% vs 06-2026 08-2026: 0.6%▲ +2.8% vs 07-2026 09-2026: 0.6%● 0.0% vs 08-2026 10-2026: 0.6%▼ -4.3% vs 09-2026
  • Liquidity: current ratio 10.17, cash €55,425 lowers the probability
  • Founded in 2021 raises the probability for this profile
  • Equity €22,150 (16.6% of total assets) raises the probability
  • Sector Specialised construction activities (NACE 43) raises the probability
Credit up to €1,500 at 30 days acceptable
Liquidity ample (current ratio 10.17 against 16.02 in 2024; short-term debt: 4.7% and cash: 41.4% of total assets), but 83.4% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 19%, liquidity 98%, profitability 31%, growth against the median 19%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Liquidity: current ratio 10.17, cash €55,425
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Founded in 2021
In the bankruptcy model this factor raises the probability for this profile.
KBO
raises risk · Equity €22,150 (16.6% of total assets)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Sector Specialised construction activities (NACE 43)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
2122232425
2021 to 2025 · latest year -€4,591
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 32341 sector peers (2025).
NBB · sector comparison
Position among 32341 sector peers
Solvency
better than 19%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-03-2026, 140 days ahead of the deadline.
NBB · 5 filings
Deviation from the deadline
2025
140 d early
2024
21 d early
2023
28 d early
2022
28 d early
2021
23 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 48 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

Checked, nothing found (2)
neutral · 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. Usually files around 4 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Weakest financial yearnet -€5,238

Key points

  • Caution: Among the weakest 17% on net resultsector median €10,073 · 32,329 companies -€4,591 View
  • Caution: 2 loss-making years in a rowloss fiscal year 2025 -€4,591 View
  • Positive: Always filed on timeaccounts within the deadline every year 5 years View

By topic

Financials

Fiscal year
2025
Total assets
€133,770
Loss
-€4,591
Solvency
16.6%
Total assets▼ 0.7%
Net result
20212025
Go to Financials

Timeline

Events
8
Since
2022
Next accounts
by 31-07-2027
  1. 13-03-2026Annual accounts filed
  2. 10-07-2025Annual accounts filed
  3. 31-12-2024Weakest financial year
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
Joinery installationNACE 43320
Founded
28-01-2021
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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