M.M. Services
ActiveThe computed 12-month bankruptcy probability of M.M. Services is 1.9% (moderate). The 2025 annual accounts show negative equity (€-5k) and a net result of €-12k. Equity is shrinking by ~20.1% per year across the filed fiscal years. Its solvency ranks better than 5% of 7760 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
21
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-94
Solvency2▼-53
Growth27▼-13
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.34 against 0.39 in 2024; short-term debt: 123.4% and cash: 1.9% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+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 →
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
-23.4%
Return on assets
-57.4%
Age of the figures
9 mo
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 €-5k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filingsDeviation from the deadline
2025
13 d late
2024
29 d early
2023
30 d late
2022
49 d late
2021
30 d late
2020
89 d late
2019
150 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€24k▲ 18.3%
2024 · €20k
2018: €35k
2019: €81k
2020: €53k
2021: €59k
2022: €59k
2023: €4k
2024: €20k
2018 → 2025
EBIT margin
-42.6%▼ 71.6pp
2024 · 29.0%
2018: 10.3%
2019: 2.9%
2020: 24.7%
2021: 15.2%
2022: -34.3%
2023: -542.0%
2024: 29.0%
2018 → 2025
Net result
€-12k
2024 · €4k
2018: €3k
2019: €-228
2020: €14k
2021: €5k
2022: €-21k
2023: €-17k
2024: €4k
2018 → 2025
Working capital
€-17k▼ 65.5%
2024 · €-10k
2018: €1k
2019: €6k
2020: €28k
2021: €35k
2023: €-10k
2024: €-10k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€59k-€59k▲ 0.7%€4k▼ 93.9%€20k▲ 459%€24k▲ 18.3%
Equity€41k-€20k▼ 51.0%€3k▼ 85.6%€7k▲ 150%€-5k
Operating result€9k-€-20k€-20k▲ 3.2%€6k€-10k
Net result€5k-€-21k€-17k▲ 17.9%€4k€-12k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €10k after €6k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €21k
Fixed assets
€12k▼ 30.3%
Current assets
€9k▲ 36.2%
Key figures and ratios
EBITDA
€-2k▼
2024 · €10k
Cash flow
€-4k▼
2024 · €9k
Solvency
-23.4%▼
2024 · 29.8%
Current ratio
0.34▼
2024 · 0.39
Quick ratio
0.34▼
2024 · 0.39
Debt / equity
-5.28▼
2024 · 2.35
ROA
-57.4%▼
2024 · 17.9%
Interest coverage
-1.22▼
2024 · 75.77
Debt
€26k▲
2024 · €17k
Debt ≤ 1 year
€26k▲
2024 · €17k
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€24k€21k▼
Fixed assets21/28€18k€12k▼
Tangible fixed assets22/27€18k€12k▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€18k€11k▼
Current assets29/58€7k€9k▲
Amounts receivable within one year40/41€6k€9k▲
Trade receivables40-€325
Other amounts receivable41€6k€8k▲
Cash at bank and in hand54/58€1k€400▼
Equity and liabilities
Total equity and liabilities10/49€24k€21k▼
Equity10/15€7k€-5k▼
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Share premium1100/10€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-13k€-25k▼
Amounts payable17/49€17k€26k▲
Amounts payable within one year42/48€17k€26k▲
Trade debts44€610€613▲
Suppliers440/4€610€613▲
Taxes, remuneration and social security45-€26
Taxes450/3-€26
Other amounts payable47/48€16k€26k▲
Income statement
Code20242025
Turnover70€20k€24k▲
Goods, raw materials, services and sundry goods60/61€10k€26k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€8k▲
Other operating charges640/8€149€814▲
Gross operating margin9900€10k€-2k▼
Operating profit (loss)9901€6k€-10k▼
Financial income75/76B€120€1▼
Recurring financial income75€119€1▼
Non-recurring financial income76B€1-
Financial charges65/66B€2k€2k▲
Recurring financial charges65€133€2k▲
Non-recurring financial charges66B€2k-
Profit (loss) for the period before taxes9903€4k€-12k▼
Profit (loss) for the period9904€4k€-12k▼
Profit (loss) for the period to be appropriated9905€4k€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€-25k▼
Profit (loss) brought forward from the previous period14P€-18k€-13k▲
The notes to these accounts (3 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
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 13 days late
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
18-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 49 days late
2022
31-12
Financial
Weakest financial yearnet €-21k ▼484%
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
28-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 150 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 33.50
Current ratio from 12.44 to 33.50.
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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 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.
Groot-Bijgaardenstraat 151600 Sint-Pieters-LeeuwGround area
5,762 m²
Building footprint
3,920 m²
Volume, LiDAR
18,317 m³
Parcel 23077A0160/00P026, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
M.M. Services
since 20182.273.802.635
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23077A0160/00P026 | Flanders | 5,762 m² | 1 · 3,920 m² | 10.2 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 7,042 companies in sector 43221 we hold annual accounts for 3,469. 1,461 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded08-03-2018
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.