M&T interieur
ActiveThe computed 12-month bankruptcy probability of M&T interieur is 1.9% (moderate). The 2025 annual accounts show equity of €36k and a net result of €34k. Equity is growing by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 15% of 27450 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-10
Solvency36▼-9
Growth78=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.02 against 1.02 in 2024; short-term debt: 53.6% and cash: 25.1% of total assets), and 88.5% of the assets are financed with debt.
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 · 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
Sector 43
higher
← 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
11.5%
Return on assets
10.9%
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 15% of 27450 sector peers (2025).
NBB · sector comparisonPosition among 27450 sector peers
Solvency
better than 15%
← 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 17-03-2026, 136 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
136 d early
2024
83 d early
2023
79 d early
2022
17 d early
2021
47 d early
2020
20 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€36k▲ 29.3%
2024 · €28k
2020: €26k
2021: €31k
2022: €56k
2023: €20k
2024: €28k
2020 → 2025
Total assets
€314k▲ 122%
2024 · €142k
2020: €117k
2021: €148k
2022: €168k
2023: €174k
2024: €142k
2020 → 2025
Net result
€34k▲ 31.6%
2024 · €26k
2020: €24k
2021: €6k
2022: €25k
2023: €18k
2024: €26k
2020 → 2025
Working capital
€4k▲ 35.9%
2024 · €3k
2020: €-3k
2021: €-1k
2022: €22k
2023: €-11k
2024: €3k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€31k-€56k▲ 80.6%€20k▼ 64.1%€28k▲ 38.1%€36k▲ 29.3%
Operating result€8k-€36k▲ 344%€25k▼ 31.0%€34k▲ 36.3%€43k▲ 26.6%
Net result€6k-€25k▲ 346%€18k▼ 27.6%€26k▲ 42.2%€34k▲ 31.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 27% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €314k
Fixed assets
€142k▲ 408%
Current assets
€172k▲ 51.1%
Equity and liabilities €314k
Equity
€36k▲ 29.3%
Debt
€278k▲ 144%
The debt ratio rises from 80.3% to 88.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€79k▲
2024 · €59k
Cash flow
€70k▲
2024 · €51k
Solvency
11.5%▼
2024 · 19.7%
Current ratio
1.02▼
2024 · 1.02
Quick ratio
0.94▼
2024 · 1.02
Debt / equity
7.70▲
2024 · 4.08
ROE
94.5%▲
2024 · 92.8%
ROA
10.9%▼
2024 · 18.3%
Interest coverage
18.53▼
2024 · 44.88
Debt
€278k▲
2024 · €114k
Debt ≤ 1 year
€168k▲
2024 · €111k
Debt > 1 year
€110k▲
2024 · €3k
Income taxes
€6k▼
2024 · €8k
Staff costs
€3k▲
2024 · €2k
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€142k€314k▲
Fixed assets21/28€28k€142k▲
Tangible fixed assets22/27€24k€138k▲
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€5k€7k▲
Leasing and similar rights25€16k€130k▲
Financial fixed assets28€4k€4k=
Current assets29/58€114k€172k▲
Stocks and contracts in progress3-€14k
Contracts in progress37-€14k
Amounts receivable within one year40/41€50k€73k▲
Trade receivables40€42k€70k▲
Other amounts receivable41€7k€4k▼
Cash at bank and in hand54/58€63k€79k▲
Deferred charges and accrued income490/1€642€6k▲
Equity and liabilities
Total equity and liabilities10/49€142k€314k▲
Equity10/15€28k€36k▲
Contributions10/11€2k€2k=
Reserves13€26k€34k▲
Distributable reserves133€26k€34k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€114k€278k▲
Amounts payable after more than one year17€3k€110k▲
Financial debts170/4€3k€110k▲
Amounts payable within one year42/48€111k€168k▲
Current portion of amounts payable after more than one year42€17k€21k▲
Trade debts44€28k€55k▲
Suppliers440/4€28k€55k▲
Advances received on contracts in progress46-€9k
Taxes, remuneration and social security45€5k€8k▲
Taxes450/3€0€4k▲
Remuneration and social security454/9€5k€4k▼
Other amounts payable47/48€62k€75k▲
Income statement
Code20242025
Remuneration, social security and pensions62€2k€3k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€36k▲
Other operating charges640/8€6k€2k▼
Gross operating margin9900€67k€84k▲
Operating profit (loss)9901€34k€43k▲
Financial income75/76B€623€975▲
Recurring financial income75€623€975▲
Financial charges65/66B€1k€4k▲
Recurring financial charges65€1k€4k▲
Profit (loss) for the period before taxes9903€33k€40k▲
Income taxes67/77€8k€6k▼
Profit (loss) for the period9904€26k€34k▲
Profit (loss) for the period to be appropriated9905€26k€34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€26k€34k▲
Transfer from equity791/2€18k€26k▲
Transfer to equity691/2€26k€34k▲
To other reserves6921€26k€34k▲
Profit to be distributed694/7€18k€26k▲
Return on contributions (dividend)694€18k€26k▲
The notes to these accounts (9 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
17-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €34k ▲31.6%
Operating result €43k, net result €34k, both a record.
09-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
13-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €6k ▼76.1%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
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, Ranst · 1 establishment unit since 2020
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.
Rubenslaan 302520 RanstGround area
2,325 m²
Building footprint
1,149 m²
Volume, LiDAR
2,955 m³
2 parcels, Flanders · tallest building 15.2 m. Linked by address, not a title deed.
1 establishment unit
M & T Interieur
since 20202.298.065.107
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11007B0044/00Z008 | Flanders | 1,597 m² | 1 · 1,036 m² | 15.2 m |
| 11010C0142/00B002 | Flanders | 728 m² | 1 · 113 m² | 7.7 m |
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.
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KLUSJESDIENST HNI
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Of 20,033 companies in sector 43320 we hold annual accounts for 9,135. 7,053 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2020
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
16230Manufacture of other builders' carpentry and joinery
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.