M&M
ActiveSummary
M&M has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.9m and a net result of -€33,924. Equity is growing by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 61% of 12788 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability41▲+6
Solvency92▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130,000 at 30 days acceptable
Liquidity ample (current ratio 11.38 against 17.81 in 2024; short-term debt: 1.4% and cash: 0.7% of total assets), and 32.7% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
67.3%
Return on assets
-1.2%
Age of the figures
9 mo
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 07-05-2026, 85 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
85 d early
2024
38 d early
2023
6 d early
2022
11 d early
2021
19 d late
2020
24 d late
2019
90 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 1 day before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€1.9m▼ 1.8%
2024 · €1.9m
Total assets
€2.8m▼ 1.5%
2024 · €2.9m
Net result
-€33,924▲ 32.9%
2024 · -€50,548
Working capital
€417,445▲ 10.2%
2024 · €378,919
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€41,349▼ 259%-€18,655▲ 54.9%-€11,039▲ 40.8%-€25,045▼ 127%-€3,533▲ 85.9%
Net result-€56,486below the sector's middle half€497,858above the sector's middle half-€29,563below the sector's middle half-€50,548below the sector's middle half▼ 71.0%-€33,924below the sector's middle half▲ 32.9%
Equity€1.5mabove the sector's middle half▼ 7.2%€2.0mabove the sector's middle half▲ 32.9%€2.0mabove the sector's middle half▼ 1.5%€1.9mabove the sector's middle half▼ 2.6%€1.9mabove the sector's middle half▼ 1.8%
Total assets€3.5mabove the sector's middle half▲ 6.9%€3.1mabove the sector's middle half▼ 11.2%€3.0mabove the sector's middle half▼ 4.4%€2.9mabove the sector's middle half▼ 3.1%€2.8mabove the sector's middle half▼ 1.5%
Debt€2.0m▲ 21.1%€1.1m▼ 45.2%€969,841▼ 9.7%€929,519▼ 4.2%€921,730▼ 0.8%
Working capital-€623,921▼ 1,095%€260,397€325,319▲ 24.9%€378,919▲ 16.5%€417,445▲ 10.2%
Solvency43.5%within the sector's middle half▼ 6.6pp65.2%within the sector's middle half▲ 21.6pp67.1%within the sector's middle half▲ 2.0pp67.5%within the sector's middle half▲ 0.4pp67.3%within the sector's middle half▼ 0.2pp
above
within
below
the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings.
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 €3,533 in 2025 against €25,045 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.8m
Fixed assets
€2.4m ▼ 4.0%
Current assets
€457,671 ▲ 14.0%
Equity and liabilities €2.8m
Equity
€1.9m ▼ 1.8%
Debt
€921,730 ▼ 0.8%
Debt's share of the balance-sheet total rises from 32.5% to 32.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€117,080▲
2024 · €94,610
Cash flow
€86,689▲
2024 · €69,107
Current ratio
11.38▼
2024 · 17.81
Debt to equity
0.49▲
2024 · 0.48
ROE
-1.8%▲
2024 · -2.6%
ROA
-1.2%▲
2024 · -1.8%
Interest coverage
2.79▲
2024 · 2.26
Debt ≤ 1 year
€40,226▲
2024 · €22,545
Debt > 1 year
€881,504▼
2024 · €906,974
Income taxes
€459▲
2024 · -€1,806
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 8,594 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 94% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a small loss
0.4%
went bankrupt
5.2%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 8,594 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €83 | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €110,404 | €119,095 | €121,040 | €119,655 | €120,613 | ▲ 0.8% |
| Other operating charges640/8 | €23,074 | €8,547 | €8,268 | €8,862 | €7,359 | ▼ 17.0% |
| Gross operating margin9900 | €92,128 | €108,987 | €118,354 | €103,472 | €124,438 | ▲ 20.3% |
| Operating profit (loss)9901 | -€41,349 | -€18,655 | -€11,039 | -€25,045 | -€3,533 | ▲ 85.9% |
| Financial income75/76B | €0 | €583,444 | €22,779 | €14,570 | €12,024 | ▼ 17.5% |
| Recurring financial income75 | €0 | €583,444 | €22,779 | €14,570 | €12,024 | ▼ 17.5% |
| Financial charges65/66B | €29,425 | €43,515 | €40,391 | €41,878 | €41,956 | ▲ 0.2% |
| Recurring financial charges65 | €29,425 | €43,515 | €40,391 | €41,878 | €41,956 | ▲ 0.2% |
| Profit (loss) for the period before taxes9903 | -€70,774 | €521,274 | -€28,651 | -€52,353 | -€33,465 | ▲ 36.1% |
| Income taxes67/77 | -€14,288 | €23,416 | €912 | -€1,806 | €459 | ▲ 125% |
| Profit (loss) for the period9904 | -€56,486 | €497,858 | -€29,563 | -€50,548 | -€33,924 | ▲ 32.9% |
| Profit (loss) for the period to be appropriated9905 | -€56,486 | €497,858 | -€29,563 | -€50,548 | -€33,924 | ▲ 32.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.5m | €3.1m | €3.0m | €2.9m | €2.8m | ▼ 1.5% |
| Fixed assets21/28 | €3.4m | €2.6m | €2.6m | €2.5m | €2.4m | ▼ 4.0% |
| Tangible fixed assets22/27 | €2.7m | €2.6m | €2.6m | €2.5m | €2.4m | ▼ 4.0% |
| Land and buildings22 | €2.7m | €2.6m | €2.5m | €2.4m | €2.3m | ▼ 3.4% |
| Plant, machinery and equipment23 | €3,280 | €2,343 | €5,672 | €10,932 | €7,839 | ▼ 28.3% |
| Furniture and vehicles24 | €47,400 | €43,029 | €26,255 | €22,257 | €10,280 | ▼ 53.8% |
| Other tangible fixed assets26 | - | - | €12,283 | €12,283 | €12,283 | = |
| Financial fixed assets28 | €676,467 | €0 | - | - | - | - |
| Current assets29/58 | €59,329 | €446,931 | €389,387 | €401,464 | €457,671 | ▲ 14.0% |
| Amounts receivable after more than one year29 | - | €396,000 | €329,430 | €329,430 | €329,430 | = |
| Other amounts receivable291 | - | €396,000 | €329,430 | €329,430 | €329,430 | = |
| Amounts receivable within one year40/41 | €44,709 | €18,709 | €18,724 | €25,166 | €65,341 | ▲ 160% |
| Trade receivables40 | €14,520 | €0 | - | €9,680 | €24,000 | ▲ 148% |
| Other amounts receivable41 | €30,189 | €18,709 | €18,724 | €15,486 | €41,341 | ▲ 167% |
| Cash at bank and in hand54/58 | €10,308 | €14,914 | €22,056 | €17,694 | €19,030 | ▲ 7.6% |
| Deferred charges and accrued income490/1 | €4,312 | €17,308 | €19,177 | €29,174 | €43,870 | ▲ 50.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.5m | €3.1m | €3.0m | €2.9m | €2.8m | ▼ 1.5% |
| Equity10/15 | €1.5m | €2.0m | €2.0m | €1.9m | €1.9m | ▼ 1.8% |
| Contributions10/11 | €1.3m | €1.3m | €1.3m | €1.3m | €1.3m | = |
| Reserves13 | €179,642 | €677,500 | €647,937 | €597,390 | €563,466 | ▼ 5.7% |
| Non-distributable reserves130/1 | €2,960 | €2,960 | €2,960 | €2,960 | €2,960 | = |
| Reserves not available under the articles1311 | €2,960 | €2,960 | €2,960 | €2,960 | €2,960 | = |
| Distributable reserves133 | €176,682 | €674,540 | €644,977 | €594,430 | €560,506 | ▼ 5.7% |
| Profit (loss) carried forward14 | €0 | €0 | - | - | - | - |
| Amounts payable17/49 | €2.0m | €1.1m | €969,841 | €929,519 | €921,730 | ▼ 0.8% |
| Amounts payable after more than one year17 | €1.3m | €888,027 | €888,027 | €906,974 | €881,504 | ▼ 2.8% |
| Financial debts170/4 | €1.3m | €888,027 | €888,027 | €906,974 | €881,504 | ▼ 2.8% |
| Amounts payable within one year42/48 | €683,250 | €186,534 | €64,068 | €22,545 | €40,226 | ▲ 78.4% |
| Current portion of amounts payable after more than one year42 | €401,782 | €0 | - | - | €2,198 | - |
| Financial debts43 | €8,794 | €537 | €1,525 | €0 | - | - |
| Credit institutions430/8 | - | €537 | €1,525 | €0 | - | - |
| Other loans439 | €8,794 | €0 | - | - | - | - |
| Trade debts44 | €7,517 | €2,040 | €1,639 | €2,943 | €3,241 | ▲ 10.1% |
| Suppliers440/4 | €7,517 | €2,040 | €1,639 | €2,943 | €3,241 | ▲ 10.1% |
| Taxes, remuneration and social security45 | €16,072 | €32,165 | €43,116 | €18,442 | €33,611 | ▲ 82.2% |
| Taxes450/3 | €16,072 | €32,165 | €43,116 | €18,442 | €33,611 | ▲ 82.2% |
| Other amounts payable47/48 | €249,085 | €151,793 | €17,788 | €1,160 | €1,176 | ▲ 1.4% |
| Accrued charges and deferred income492/3 | €12,000 | €0 | €17,745 | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€56,486 | €497,858 | -€29,563 | -€50,548 | -€33,924 | ▲ 32.9% |
| + Depreciation and write-downs630 | €110,404 | €119,095 | €121,040 | €119,655 | €120,613 | ▲ 0.8% |
| Operating cash flow (approximation) | €53,918 | €616,953 | €91,478 | €69,107 | €86,689 | ▲ 25.4% |
| Investment in fixed assets (approximation) | - | €657,314 | -€44,301 | -€16,709 | -€22,693 | ▼ 35.8% |
| Change in cash | - | €4,606 | €7,142 | -€4,362 | €1,336 | ▲ 131% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 17.81
Current ratio from 6.08 to 17.81; short-term debt falls from €64,068 to €22,545.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 6.08
Current ratio from 2.40 to 6.08; short-term debt falls from €186,534 to €64,068.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €497,858
Net result €497,858 after one loss-making year.
31-12
Financial
Liquidity times 28current ratio 2.40
Current ratio from 0.09 to 2.40; short-term debt falls from €683,250 to €186,534.
31-12
Financial
Equity above €2mEq €2.0m ▲32.9%
Equity rises from €1.5m to €2.0m.
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
31-12
Financial
Weakest financial yearnet -€56,486
Net result drops to -€56,486, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
Show earlier events
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 29 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Sint-Pieters-Leeuw · 1 establishment unit since 2004
Ground area
5,624 m²
Building footprint
641 m²
Volume, LiDAR
3,671 m³
Parcel 23583K0467/00A000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
9
companies at this address
See who is registered here
1 establishment unit
Victor Nonnemanstraat 15, 1600 Sint-Pieters-Leeuw
since 20042.197.705.838
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23583K0467/00A000 | Flanders | 5,624 m² | 1 · 641 m² | 7.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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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CRAHAY
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Of 22,076 companies in sector 69101 we hold annual accounts for 9,058. 2,834 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded28-06-2004
Fiscal year end31-12
Activities, NACEBEL 2025
69101Activities of lawyers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0866015703
Also
9925:BE0866015703
Registered
20-05-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.