M-Pact
ActiveM-Pact has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €312k and a net result of €41k. Equity is growing by ~30.3% per year across the filed fiscal years. Its solvency ranks better than 49% of 16941 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▼-34
Solvency98▲+2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 6.15 against 5.01 in 2024), and 41.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
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
58.9%
Return on assets
7.7%
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 24-04-2026, 6 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
6 d early
2024
30 d early
2023
36 d early
2022
47 d early
2021
44 d early
2020
32 d early
← before the deadline
after the deadline →
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
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€312k▲ 15.1%
2024 · €271k
2020: €44k
2021: €99k
2022: €154k
2023: €203k
2024: €271k
2020 → 2025
Total assets
€530k▲ 1.4%
2024 · €522k
2020: €83k
2021: €128k
2022: €181k
2023: €480k
2024: €522k
2020 → 2025
Net result
€41k▼ 39.2%
2024 · €67k
2020: €39k
2021: €55k
2022: €54k
2023: €50k
2024: €67k
2020 → 2025
Working capital
€188k▲ 20.0%
2024 · €157k
2020: €66k
2021: €105k
2022: €162k
2023: €90k
2024: €157k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€99k-€154k▲ 54.9%€203k▲ 32.3%€271k▲ 33.1%€312k▲ 15.1%
Operating result€65k-€71k▲ 8.4%€71k▲ 0.7%€98k▲ 37.3%€64k▼ 34.8%
Net result€55k-€54k▼ 1.7%€50k▼ 8.7%€67k▲ 35.5%€41k▼ 39.2%
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 35% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €530k
Fixed assets
€305k▼ 6.5%
Current assets
€225k▲ 14.7%
Equity and liabilities €530k
Equity
€312k▲ 15.1%
Debt
€218k▼ 13.3%
The debt ratio falls from 48.1% to 41.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€89k▼
2024 · €122k
Cash flow
€66k▼
2024 · €92k
Solvency
58.9%▲
2024 · 51.9%
Current ratio
6.15▲
2024 · 5.01
Quick ratio
6.15▲
2024 · 4.99
Debt / equity
0.70▼
2024 · 0.93
ROE
13.1%▼
2024 · 24.9%
ROA
7.7%▼
2024 · 12.9%
Interest coverage
8.47▼
2024 · 10.43
Debt
€218k▼
2024 · €251k
Debt ≤ 1 year
€37k▼
2024 · €39k
Debt > 1 year
€178k▼
2024 · €204k
Income taxes
€12k▼
2024 · €18k
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€522k€530k▲
Fixed assets21/28€326k€305k▼
Tangible fixed assets22/27€326k€305k▼
Land and buildings22€262k€255k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€182€3k▲
Leasing and similar rights25€58k€42k▼
Other tangible fixed assets26€3k€3k▼
Current assets29/58€196k€225k▲
Stocks and contracts in progress3€809€0▼
Stocks30/36€809€0▼
Amounts receivable within one year40/41€43k€57k▲
Trade receivables40€41k€51k▲
Other amounts receivable41€2k€5k▲
Cash at bank and in hand54/58€150k€168k▲
Deferred charges and accrued income490/1€3k€0▼
Equity and liabilities
Total equity and liabilities10/49€522k€530k▲
Equity10/15€271k€312k▲
Contributions10/11€5k€5k=
Reserves13€266k€307k▲
Distributable reserves133€266k€307k▲
Amounts payable17/49€251k€218k▼
Amounts payable after more than one year17€204k€178k▼
Financial debts170/4€204k€178k▼
Amounts payable within one year42/48€39k€37k▼
Current portion of amounts payable after more than one year42€25k€26k▲
Trade debts44€6k€2k▼
Suppliers440/4€6k€2k▼
Taxes, remuneration and social security45€6k€3k▼
Taxes450/3€5k€2k▼
Remuneration and social security454/9€1k€494▼
Other amounts payable47/48€3k€5k▲
Accrued charges and deferred income492/3€8k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€25k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€125k€92k▼
Operating profit (loss)9901€98k€64k▼
Financial income75/76B€1€60▲
Recurring financial income75€1€60▲
Financial charges65/66B€12k€11k▼
Recurring financial charges65€12k€11k▼
Profit (loss) for the period before taxes9903€86k€53k▼
Income taxes67/77€18k€12k▼
Profit (loss) for the period9904€67k€41k▼
Profit (loss) for the period to be appropriated9905€67k€41k▼
Appropriation of the result
Profit (loss) to be appropriated9906€67k€41k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€67k€41k▼
To other reserves6921€67k€41k▼
The notes to these accounts (7 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
24-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2020net €67k ▲35.5%
Operating result €98k, net result €67k, both a record.
25-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Equity above €200kEq €203k ▲32.3%
4 profitable years in a row build equity to €203k.
14-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Equity above €150kEq €154k ▲54.9%
3 profitable years in a row build equity to €154k.
17-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Deinze · 1 establishment unit since 2019
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.
Edekestraat 599800 DeinzeGround area
1,038 m²
Building footprint
140 m²
Volume, LiDAR
819 m³
Parcel 44004A0871/00A002, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
M-Pact
since 20192.291.590.059
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44004A0871/00A002 | Flanders | 1,038 m² | 1 · 140 m² | 8.5 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.
Similar companies · same sector, comparable size
JOINTMEDIA
BE 0431.840.337
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Dieter Adant BV
BE 0776.407.301
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NAFIS
BE 0656.477.588
Lessines · Eq €312k
ORBIFOLD
BE 0821.705.707
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Consutech
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Of 16,813 companies in sector 62100 we hold annual accounts for 8,747. 6,105 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-07-2019
Fiscal year end30-09
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62020IT consultancy
62030Computer programming, consultancy and related activities
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.