M&M SOFFITTO
ActiveSummary
The computed 12-month bankruptcy probability of M&M SOFFITTO is 2.7% (moderate). The 2025 annual accounts show equity of €25,617 and a net result of €25,280. Equity is growing by ~57.1% per year across the filed fiscal years. Its solvency ranks better than 24% of 28254 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability97▼-3
Solvency48▼-32
Growth78=
Track record94
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity tight (current ratio 1.29 against 2.06 in 2024; short-term debt: 77.1% and cash: 9.6% of total assets), and 77.2% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
22.8%
Return on assets
22.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 28254 sector peers (2025).
NBB · sector comparisonPosition among 28254 sector peers
Solvency
better than 24%
← weakest
strongest →
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 01-07-2026, 30 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
30 d early
2024
8 d early
2023
70 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 11 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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. Usually files around 23 July (3 of the last 3 filed years within 79 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€25,617▼ 34.9%
2024 · €39,338
Total assets
€112,496▲ 58.2%
2024 · €71,096
Net result
€25,280▼ 42.5%
2024 · €43,960
Working capital
€24,795▼ 25.6%
2024 · €33,345
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction 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
Line202320242025
Operating result-€3,506-€60,829€38,354▼ 36.9%
Net result-€4,623below the sector's middle half-€43,960above the sector's middle half€25,280within the sector's middle half▼ 42.5%
Equity-€3,623below the sector's middle half-€39,338within the sector's middle half€25,617within the sector's middle half▼ 34.9%
Total assets€8,966below the sector's middle half-€71,096within the sector's middle half▲ 693%€112,496within the sector's middle half▲ 58.2%
Debt€12,589-€31,759▲ 152%€86,878▲ 174%
Working capital-€4,072below the sector's middle half-€33,345within the sector's middle half€24,795within the sector's middle half▼ 25.6%
Solvency-40.4%below the sector's middle half-55.3%within the sector's middle half▲ 95.7pp22.8%below the sector's middle half▼ 32.6pp
Current ratio0.68below the sector's middle half-2.06within the sector's middle half▲ 1.381.29within the sector's middle half▼ 0.77
Return on assets (ROA)-51.6%below the sector's middle half-61.8%above the sector's middle half▲ 113.4pp22.5%above the sector's middle half▼ 39.4pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction 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 falls in 2025; 2025 is 37% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €112,496
Fixed assets
€919 ▼ 85.1%
Current assets
€111,577 ▲ 71.8%
Equity and liabilities €112,496
Equity
€25,617 ▼ 34.9%
Debt
€86,878 ▲ 174%
Debt's share of the balance-sheet total rises from 44.7% to 77.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€38,792▼
2024 · €63,210
Cash flow
€25,718▼
2024 · €46,341
Quick ratio
1.11▼
2024 · 2.06
Debt to equity
3.39▲
2024 · 0.81
ROE
98.7%▼
2024 · 111.8%
Interest coverage
6.55▼
2024 · 10.08
Debt ≤ 1 year
€86,782▲
2024 · €31,583
Income taxes
€9,083▼
2024 · €10,600
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 7,976 companies that looked in July 2024 the way this one looks now, 3.1% went bankrupt within 24 months and 94% are still going.
- Micro
- 2 to 5 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
3.1%
went bankrupt
1.6%
stopped otherwise
94%
still going
A further 1.0% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.7% 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 497,662 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% | 1.7% |
| 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 75% 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 7,976 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 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €442 | €2,381 | €438 | ▼ 81.6% |
| Other operating charges640/8 | €899 | €8,878 | €2,515 | ▼ 71.7% |
| Non-recurring operating charges66A | - | - | €1,669 | - |
| Gross operating margin9900 | -€2,165 | €72,088 | €42,976 | ▼ 40.4% |
| Operating profit (loss)9901 | -€3,506 | €60,829 | €38,354 | ▼ 36.9% |
| Financial income75/76B | - | €3 | €1,931 | ▲ 63,014% |
| Recurring financial income75 | - | €3 | €1,931 | ▲ 63,014% |
| Financial charges65/66B | €902 | €6,272 | €5,922 | ▼ 5.6% |
| Recurring financial charges65 | €902 | €6,272 | €5,922 | ▼ 5.6% |
| Profit (loss) for the period before taxes9903 | -€4,408 | €54,560 | €34,362 | ▼ 37.0% |
| Income taxes67/77 | €215 | €10,600 | €9,083 | ▼ 14.3% |
| Profit (loss) for the period9904 | -€4,623 | €43,960 | €25,280 | ▼ 42.5% |
| Profit (loss) for the period to be appropriated9905 | -€4,623 | €43,960 | €25,280 | ▼ 42.5% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €8,966 | €71,096 | €112,496 | ▲ 58.2% |
| Formation expenses20 | €450 | - | - | - |
| Fixed assets21/28 | - | €6,169 | €919 | ▼ 85.1% |
| Tangible fixed assets22/27 | - | €6,169 | €919 | ▼ 85.1% |
| Plant, machinery and equipment23 | - | - | €919 | - |
| Furniture and vehicles24 | - | €6,169 | - | - |
| Current assets29/58 | €8,517 | €64,927 | €111,577 | ▲ 71.8% |
| Stocks and contracts in progress3 | - | - | €14,962 | - |
| Stocks30/36 | - | - | €14,962 | - |
| Amounts receivable within one year40/41 | €7,447 | €62,836 | €77,752 | ▲ 23.7% |
| Trade receivables40 | €5,386 | €1,858 | €5,751 | ▲ 210% |
| Other amounts receivable41 | €2,061 | €60,978 | €72,001 | ▲ 18.1% |
| Cash at bank and in hand54/58 | €73 | €1,973 | €10,768 | ▲ 446% |
| Deferred charges and accrued income490/1 | €996 | €118 | €8,095 | ▲ 6,735% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €8,966 | €71,096 | €112,496 | ▲ 58.2% |
| Equity10/15 | -€3,623 | €39,338 | €25,617 | ▼ 34.9% |
| Contributions10/11 | €1,000 | - | €1,000 | - |
| Profit (loss) carried forward14 | -€4,623 | €39,338 | €24,617 | ▼ 37.4% |
| Amounts payable17/49 | €12,589 | €31,759 | €86,878 | ▲ 174% |
| Amounts payable within one year42/48 | €12,589 | €31,583 | €86,782 | ▲ 175% |
| Trade debts44 | €3,957 | €11,489 | €27,414 | ▲ 139% |
| Suppliers440/4 | €3,957 | €11,489 | €27,414 | ▲ 139% |
| Taxes, remuneration and social security45 | €215 | €11,615 | €19,368 | ▲ 66.8% |
| Taxes450/3 | €215 | €11,615 | €19,368 | ▲ 66.8% |
| Other amounts payable47/48 | €8,417 | €8,479 | €40,000 | ▲ 372% |
| Accrued charges and deferred income492/3 | - | €176 | €97 | ▼ 45.2% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€4,623 | €43,960 | €25,280 | ▼ 42.5% |
| + Depreciation and write-downs630 | €442 | €2,381 | €438 | ▼ 81.6% |
| Operating cash flow (approximation) | -€4,180 | €46,341 | €25,718 | ▼ 44.5% |
| Investment in fixed assets (approximation) | - | - | €4,812 | - |
| Change in cash | - | €1,900 | €8,795 | ▲ 363% |
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
10-07
State Gazette act
Registered officeRegistered-office move2 facts ▸
State Gazette act
Registered office
Registered-office move2 facts ▸
- Board meeting, 05-06-2026
- Registered-office move, 1342 Limelette, Rue du Corbeau 13
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €43,960
Net result €43,960 after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 2.06
Current ratio from 0.68 to 2.06.
09-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 70 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 2 acts read
About the unread acts
Of the 2 Belgian State Gazette acts we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2023
Ground area
809 m²
Building footprint
140 m²
Volume, LiDAR
755 m³
Parcel 25056B0258/00R000, Wallonia · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
M&M SOFFITTO
since 20232.347.333.286
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25056B0258/00R000 | Wallonia | 809 m² | 1 · 140 m² | 7.5 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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Of 4,020 companies in sector 43310 we hold annual accounts for 1,749. 1,419 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
Founded04-07-2023
Fiscal year end31-12
Activities, NACEBEL 2025
43310Plastering work
43350Other building finishing work
43422Screed work
43990Other specialised construction activities
81100Combined facilities support activities
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0803563638
Registered
28-04-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.