Equity
€29,913 from €96,950 in 2020
Equity fell by 69% in 5 years.
M & L
Lifetime
7 annual accounts with figures on one time axispeak €133,303 (2019)
€5,838▼ 68.4%
lowest -€25,460 (2022)
-€10,526▼ €8,332
peak €96,950 (2020)
€29,913▼ 26.0%
€68,123▼ 40.9%
peak 0.7 FTE (2019)
-not published
Board2 names since 2018
1 director
Documentsfilings and deeds
26-10-202687 days late
2025micro format
Gross margin from €18,482 to €5,838Loss of €10,526Equity from €40,439 to €29,913Debts from €115,276 to €68,123
Key points
from the 2025 annual accountsLosses
-€67,037 in five years
Every financial year from 2021 to 2025 closed with a loss. 2022 was the heaviest.
Investments
€6,838 1.7 × depreciation
Green is investment, beige is depreciation.
Filings
7 annual accounts 87 days
Latest accounts filed late: after the legal deadline.
At the same address
210 companies
Position in the sector
-€10,526
Lower net result than 82% of companies in retail trade. Sector median €4,763 · 25,208 companies.
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 3,601 companies had the same profile as M & L has now. Each dot stands for 10 companies, two years later.
87.1%
were still trading
9.7%
stopped another way
2.9%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
Test of the method
The method was tested on the 497,762 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,601 companies, not a prediction for M & L. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Recent changes
Registered office moved from Lontzen to Tienen
New registered office: Leuvensestraat, 131 bus 2 3300 Tienen · Previous registered office: Chaussée de Liège 196 B, 4710 Lontzen · Reappointment: (director) · General meeting of 09-02-2026 · Gazette deed
Registered office moved from Lontzen to Tienen
New registered office: Leuvensestraat, 131 bus 2 3300 Tienen (Région Flamande) · Previous registered office: Chaussée de Liège 196 B (région wallonne), 4710 Lontzen · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0704744689
Capital conversion · Amendment of the articles · Resignations & appointments
Resignation: (manager) · Reappointment: (director) · 100 shares · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| M & L Tienen | €98,036 | €5,838 | 30.5% | - |
| GP CLASSICS Braine-le-Comte | €107,768 | €6,239 | 38.6% | - |
| FAN-CAR INVEST Seraing | €110,838 | €4,652 | -24.2% | - |
| Car Lease & Rent Awans | €91,441 | €5,083 | 11.8% | - |
| AGIDA AUTOS INTERNATIONAL Merchtem | €69,410 | €7,479 | 46.9% | - |
| The Brothers Keleshyan Zaventem | €97,454 | €10,208 | 39.4% | - |
| FM GARAGE Vilvoorde | €92,886 | €4,540 | -22.0% | - |
These companies have the same main activity as M & L: retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811). They are comparable in size and age: total assets between €69,400 and €111,000, founded between 2018 and 2021.
Official details
Source: KBO- Status
- Active since 19-09-2018Normal situation
- Registered office
- 212 active companies are registered at this address67 started in the 12 months before. Source: KBO register, as of 13 November 2026.
- Activity
- Retail sale of cars and light vans (up to 3.5 tonnes)NACE 47811and 3 others
- Establishment unit
- 2.280.740.9074000 Liège, since 22-10-2018
- Financial year end
- 31 December
- Peppol
- Reachable since 15-12-2025
Insights on M & L
M & L files the micro format. That format states no turnover. The gross margin fell from €133,303 in 2019 to €5,838 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about M & L
- What is the company number of M & L?
- The company number of M & L is 0704.744.689. The VAT number is the same number with BE in front: BE 0704.744.689.
- Where is M & L based?
- The registered office is at Leuvensestraat 131, 3300 Tienen.Company details
- What does M & L do?
- According to the KBO register, the main activity is retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811).
- What is the legal form of M & L?
- M & L is a private limited company (BV).
- When was M & L founded?
- M & L was founded on 19-09-2018.
- Is M & L still active?
- Yes, M & L is an active enterprise in the KBO register.
- How many employees does M & L have?
- M & L had an average of 0.2 full-time equivalents in financial year 2020, according to the filed annual accounts.Financials
- What is the turnover of M & L?
- The turnover in financial year 2025 is ≈ €81,000. This figure is estimated from the gross margin of €5,838 and 72 comparable companies (NACE 47811). It probably lies between €44,000 and €270,000. It is a rough estimate.
- Is M & L profitable?
- In financial year 2025, M & L made a loss of €10,526.
- Where can I find the annual accounts of M & L?
- M & L filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of M & L due?
- M & L must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.