M&M Investment
ActiveSummary
M&M Investment has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €757k and a net result of €35k. Equity is growing by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 80% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+51
Solvency100▲+4
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 7.17 against 3.75 in 2024; short-term debt: 3% and cash: 0.7% of total assets), and 24.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 · 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
75.1%
Return on assets
3.5%
Age of the figures
12 mo
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 28-04-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
7 d late
2023
8 d late
2022
2 d late
2021
1 d early
2020
on the day
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€757k▲ 4.9%
2024 · €721k
2018: €286k
2019: €497k
2020: €646k
2021: €721k
2022: €699k
2023: €749k
2024: €721k
2018 → 2025
Total assets
€1.01M▼ 0.6%
2024 · €1.01M
2018: €1.44M
2019: €1.05M
2020: €1.05M
2021: €1.07M
2022: €1.04M
2023: €1.05M
2024: €1.01M
2018 → 2025
Net result
€35k
2024 · €-39k
2018: €4k
2019: €212k
2020: €149k
2021: €75k
2022: €-22k
2023: €50k
2024: €-39k
2018 → 2025
Working capital
€188k▲ 20.1%
2024 · €157k
2018: €-284k
2019: €-222k
2020: €-267
2021: €311k
2022: €303k
2023: €368k
2024: €157k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€721k-€699k▼ 3.1%€749k▲ 7.1%€721k▼ 3.6%€757k▲ 4.9%
Operating result€270k-€-18k€62k€134k▲ 116%€36k▼ 72.9%
Net result€75k-€-22k€50k€-39k€35k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 73% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.01M
Fixed assets
€788k ▼ 1.4%
Current assets
€219k ▲ 2.4%
Equity and liabilities €1.01M
Equity
€757k ▲ 4.9%
Provisions
€219k ▼ 6.5%
Debt
€31k ▼ 45.2%
Debt's share of the balance-sheet total falls from 5.6% to 3.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€78k▼
2024 · €167k
Cash flow
€76k▲
2024 · €-6k
Current ratio
7.17▲
2024 · 3.75
Debt to equity
0.04▼
2024 · 0.08
ROE
4.6%▲
2024 · -5.4%
ROA
3.5%▲
2024 · -3.9%
Interest coverage
337464.04▲
2024 · 0.95
Debt ≤ 1 year
€30k▼
2024 · €57k
Income taxes
€4k▲
2024 · €0
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.01M€1.01M▼
Fixed assets21/28€800k€788k▼
Tangible fixed assets22/27€683k€672k▼
Land and buildings22€675k€668k▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€9k€3k▼
Financial fixed assets28€116k€116k=
Current assets29/58€214k€219k▲
Amounts receivable after more than one year29€93€93=
Trade receivables290€93€93=
Amounts receivable within one year40/41€14k€12k▼
Trade receivables40€3k€5k▲
Other amounts receivable41€10k€8k▼
Current investments50/53€159k€200k▲
Cash at bank and in hand54/58€41k€7k▼
Deferred charges and accrued income490/1€438€0▼
Equity and liabilities
Total equity and liabilities10/49€1.01M€1.01M▼
Equity10/15€721k€757k▲
Contributions10/11€19k€19k=
Reserves13€748k€783k▲
Non-distributable reserves130/1€6k€6k=
Reserves not available under the articles1311€6k€6k=
Tax-exempt reserves132€350k€345k▼
Distributable reserves133€392k€432k▲
Profit (loss) carried forward14€-45k€-45k=
Provisions and deferred taxes16€235k€219k▼
Provisions for liabilities and charges160/5€102k€89k▼
Environmental obligations163€102k€89k▼
Deferred taxes168€133k€130k▼
Amounts payable17/49€57k€31k▼
Amounts payable within one year42/48€57k€30k▼
Trade debts44€32k€9k▼
Suppliers440/4€32k€9k▼
Taxes, remuneration and social security45€0€6k▲
Taxes450/3€0€6k▲
Other amounts payable47/48€25k€16k▼
Accrued charges and deferred income492/3€0€734▲
Income statement
Code20242025
Non-recurring operating income76A€9k€13k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€41k▲
Other operating charges640/8€7k€9k▲
Gross operating margin9900€174k€86k▼
Operating profit (loss)9901€134k€36k▼
Financial income75/76B€12€1▼
Recurring financial income75€12€1▼
Financial charges65/66B€175k€0▼
Recurring financial charges65€175k€0▼
Profit (loss) for the period before taxes9903€-42k€36k▲
Transfer from deferred taxes780€3k€3k=
Income taxes67/77€0€4k▲
Profit (loss) for the period9904€-39k€35k▲
Transfer from tax-exempt reserves789€5k€5k=
Profit (loss) for the period to be appropriated9905€-34k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-45k€-5k▲
Profit (loss) brought forward from the previous period14P€-11k€-45k▼
Transfer to equity691/2€0€40k▲
To other reserves6921€0€40k▲
The notes to these accounts (8 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
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Back to profitnet €35k
Net result €35k after one loss-making year.
07-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
30-09
Financial
Weakest financial yearnet €-39k ▼178%
Net result drops to €-39k, the lowest in the series; recovery starts the following year.
08-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
30-09
Financial
Back to profitnet €50k
Net result €50k after one loss-making year.
30-09
Financial
Liquidity triplescurrent ratio 13.29
Current ratio from 5.21 to 13.29; short-term debt falls from €72k to €30k.
02-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Liquidity times 5current ratio 5.24
Current ratio from 1.00 to 5.24; short-term debt falls from €147k to €73k.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Equity above €500kEq €646k ▲29.9%
3 profitable years in a row build equity to €646k.
Show earlier events
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Highest result since 2018net €212k ▲5639%
Operating result €318k, net result €212k, both a record.
22-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-02
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
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, Lommel · 1 establishment unit since 1997
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.
John Cockerillstraat 663920 LommelGround area
3,394 m²
Building footprint
966 m²
Volume, LiDAR
6,370 m³
Parcel 72020C1417/00N004, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
M&M Investment
since 19972.084.506.442
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72020C1417/00N004 | Flanders | 3,394 m² | 1 · 966 m² | 8.7 m · 2 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 9,530 companies in sector 43222 we hold annual accounts for 5,662. 3,506 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-11-1997
Fiscal year end30-09
Activities, NACEBEL 2025
43222Installation of electric heating, air conditioning, cooling and ventilation
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:mminvestment@coolline.be
Phone:0475893586