M-INVEST MANAGEMENT
ActiveThe computed 12-month bankruptcy probability of M-INVEST MANAGEMENT is 2.7% (moderate). The 2025 annual accounts show negative equity (€-57k) and a net result of €-32k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 1517 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
19
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-2
Solvency0▼-7
Growth32=
Track record100
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.56 against 0.63 in 2024; short-term debt: 79.7% and cash: 13.9% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-74.2%
Return on assets
-42.1%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Sector 77
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-57k
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 31-07-2026, 0 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
on the day
2024
61 d late
2023
61 d late
2022
5 d early
2021
2 d early
2020
60 d late
2019
21 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-57k▼ 131%
2024 · €-25k
2018: €19k
2019: €21k
2020: €13k
2021: €10k
2022: €23k
2023: €13k
2024: €-25k
2018 → 2025
Total assets
€76k▼ 44.6%
2024 · €138k
2018: €62k
2019: €71k
2020: €58k
2021: €40k
2022: €122k
2023: €188k
2024: €138k
2018 → 2025
Net result
€-32k▲ 13.9%
2024 · €-37k
2018: €22
2019: €3k
2020: €-8k
2021: €-3k
2022: €13k
2023: €-10k
2024: €-37k
2018 → 2025
Working capital
€-27k▼ 12.5%
2024 · €-24k
2018: €-1k
2019: €-11k
2020: €-2k
2021: €8k
2022: €-11k
2023: €-766
2024: €-24k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€10k-€23k▲ 127%€13k▼ 44.5%€-25k€-57k▼ 131%
Operating result€-2k-€17k€-4k€-30k▼ 698%€-29k▲ 1.5%
Net result€-3k-€13k€-10k€-37k▼ 264%€-32k▲ 13.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €29k in 2025 against €30k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €76k
Fixed assets
€42k▼ 56.8%
Current assets
€34k▼ 14.9%
Key figures and ratios
EBITDA
€-10k▼
2024 · €1k
Cash flow
€-13k▼
2024 · €-6k
Solvency
-74.2%▼
2024 · -17.8%
Current ratio
0.56▼
2024 · 0.63
Quick ratio
0.56▼
2024 · 0.63
Debt / equity
-2.35▲
2024 · -6.63
ROA
-42.1%▼
2024 · -27.1%
Interest coverage
-1.58▼
2024 · 0.19
Debt
€133k▼
2024 · €162k
Debt ≤ 1 year
€61k▼
2024 · €64k
Debt > 1 year
€72k▼
2024 · €98k
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€138k€76k▼
Fixed assets21/28€98k€42k▼
Tangible fixed assets22/27€98k€42k▼
Furniture and vehicles24€98k€42k▼
Financial fixed assets28€1€1=
Current assets29/58€40k€34k▼
Amounts receivable within one year40/41€19k€20k▲
Trade receivables40€17k€17k▲
Other amounts receivable41€2k€2k▲
Cash at bank and in hand54/58€11k€11k▼
Deferred charges and accrued income490/1€10k€4k▼
Equity and liabilities
Total equity and liabilities10/49€138k€76k▼
Equity10/15€-25k€-57k▼
Contributions10/11€19k€19k=
Reserves13€22€22=
Distributable reserves133€22€22=
Profit (loss) carried forward14€-43k€-75k▼
Amounts payable17/49€162k€133k▼
Amounts payable after more than one year17€98k€72k▼
Financial debts170/4€55k€20k▼
Other amounts payable178/9€44k€52k▲
Amounts payable within one year42/48€64k€61k▼
Current portion of amounts payable after more than one year42€50k€35k▼
Financial debts43-€18k
Credit institutions430/8-€18k
Trade debts44€8k€5k▼
Suppliers440/4€8k€5k▼
Taxes, remuneration and social security45€5k€3k▼
Taxes450/3€5k€3k▼
Accrued charges and deferred income492/3€296€446▲
Income statement
Code20242025
Non-recurring operating income76A€4k€5k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€19k▼
Other operating charges640/8€16k€9k▼
Non-recurring operating charges66A€13k€7k▼
Gross operating margin9900€30k€6k▼
Operating profit (loss)9901€-30k€-29k▲
Financial income75/76B-€3k
Recurring financial income75-€3k
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€-37k€-32k▲
Income taxes67/77€-2-
Profit (loss) for the period9904€-37k€-32k▲
Profit (loss) for the period to be appropriated9905€-37k€-32k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-43k€-75k▼
Profit (loss) brought forward from the previous period14P€-6k€-43k▼
The notes to these accounts (9 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet €-37k
Net result drops to €-37k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2019
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Schaarbeek · 1 establishment unit since 2018
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.
Achille Detiennestraat 91030 SchaarbeekGround area
6,577 m²
Building footprint
990 m²
Volume, LiDAR
10,845 m³
Parcel 21902A0306/00V000, Brussels · tallest building 13.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
M-INVEST MANAGEMENT
since 20182.276.980.671
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21902A0306/00V000 | Brussels | 6,577 m² | 1 · 990 m² | 13.1 m · 4 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.
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Of 1,443 companies in sector 77110 we hold annual accounts for 727. 347 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-05-2018
Fiscal year end31-12
Activities, NACEBEL
77110Renting and leasing of cars and light motor vehicles
47811Retail sale of cars and light vans (up to 3.5 tonnes)
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.