M & M Tech
ActiveM & M Tech has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-36k) and a net result of €-4k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 9% of 18040 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
38
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability9▲+9
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.44 against 0.06 in 2024; short-term debt: 215.7% and cash: 66% 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.
−lowers risk+raises risk○neutral
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
-115.7%
Return on assets
-12.1%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
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 €-36k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
31 d late
2022
30 d late
2021
31 d early
2020
1 d early
2019
104 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-36k▼ 11.7%
2024 · €-32k
2018: €-7k
2019: €-6k
2020: €13k
2021: €18k
2022: €-7k
2023: €-15k
2024: €-32k
2018 → 2025
Total assets
€31k▲ 376%
2024 · €7k
2018: €78k
2019: €47k
2020: €50k
2021: €54k
2022: €52k
2023: €40k
2024: €7k
2018 → 2025
Net result
€-4k▲ 78.0%
2024 · €-17k
2018: €34k
2019: €126
2020: €19k
2021: €5k
2022: €-25k
2023: €-8k
2024: €-17k
2018 → 2025
Working capital
€-38k▼ 2.7%
2024 · €-37k
2018: €-14k
2019: €-17k
2020: €4k
2021: €-3k
2022: €-22k
2023: €-28k
2024: €-37k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€18k-€-7k€-15k▼ 110%€-32k▼ 114%€-36k▼ 11.7%
Operating result€9k-€-22k€-5k▲ 78.2%€-14k▼ 197%€-1k▲ 89.7%
Net result€5k-€-25k€-8k▲ 68.4%€-17k▼ 117%€-4k▲ 78.0%
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 stays negative: a loss of €1k in 2025 against €14k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €31k
Fixed assets
€2k▼ 63.8%
Current assets
€30k▲ 1,265%
Key figures and ratios
EBITDA
€1k▲
2024 · €-11k
Cash flow
€-990▲
2024 · €-14k
Solvency
-115.7%▲
2024 · -493.1%
Current ratio
0.44▲
2024 · 0.06
Quick ratio
0.43▲
2024 · 0.06
Debt / equity
-1.86▼
2024 · -1.20
ROA
-12.1%▲
2024 · -262.6%
Interest coverage
0.62▲
2024 · -3.67
Debt
€67k▲
2024 · €39k
Debt ≤ 1 year
€67k▲
2024 · €39k
Income taxes
€158▼
2024 · €161
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€7k€31k▲
Fixed assets21/28€4k€2k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€4k€2k▼
Furniture and vehicles24€4k€2k▼
Current assets29/58€2k€30k▲
Stocks and contracts in progress3€0€1k▲
Stocks30/36€0€1k▲
Amounts receivable within one year40/41€2k€8k▲
Trade receivables40€483€6k▲
Other amounts receivable41€1k€2k▲
Cash at bank and in hand54/58€233€21k▲
Equity and liabilities
Total equity and liabilities10/49€7k€31k▲
Equity10/15€-32k€-36k▼
Contributions10/11€6k€6k=
Profit (loss) carried forward14€-39k€-42k▼
Amounts payable17/49€39k€67k▲
Amounts payable within one year42/48€39k€67k▲
Financial debts43€20k€20k=
Credit institutions430/8€20k€20k=
Trade debts44€5k€1k▼
Suppliers440/4€5k€1k▼
Advances received on contracts in progress46€0€8k▲
Taxes, remuneration and social security45€14k€12k▼
Taxes450/3€14k€12k▼
Other amounts payable47/48-€26k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€225€589▲
Non-recurring operating charges66A€2k€0▼
Gross operating margin9900€-9k€2k▲
Operating profit (loss)9901€-14k€-1k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€-17k€-4k▲
Income taxes67/77€161€158▼
Profit (loss) for the period9904€-17k€-4k▲
Profit (loss) for the period to be appropriated9905€-17k€-4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-39k€-42k▼
Profit (loss) brought forward from the previous period14P€-21k€-39k▼
The notes to these accounts (13 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €-25k ▼579%
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
12-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 104 days late
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Genk · 1 establishment unit since 2014
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.
Reeweg 523600 GenkGround area
2,231 m²
Building footprint
329 m²
Volume, LiDAR
1,540 m³
2 parcels, Flanders · tallest building 11.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MMSTORE
since 20142.235.039.257
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71304D0159/00P002 | Flanders | 1,784 m² | 1 · 143 m² | 4.5 m · 1 fl. |
| 71323C0464/00R002 | Flanders | 447 m² | 1 · 187 m² | 11.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Dual-learning approval
2 endedSimilar companies · same sector, comparable size
G-COMP
BE 0676.763.357
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PC2DAY KALMTHOUT
BE 0844.733.408
Kalmthout · Eq €18k
ABZ Transfert
BE 0781.748.437
Wemmel · Eq €18k
MOBILE M
BE 1023.080.180
Anderlecht · Eq €18k
DIGITAL-BURO
BE 0874.004.642
Sint-Gillis (bij-Brussel) · Eq €18k
Of 3,225 companies in sector 47400 we hold annual accounts for 1,806. 1,141 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded07-10-2013
Fiscal year end31-12
Activities, NACEBEL
47400Retail sale of information and communication equipment
47410Retail trade
47120Other non-specialised retail sale
47540Retail sale of electrical household appliances
47910Retail trade
61100Wired, wireless and satellite telecommunications
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.