M.V.S.B.
ActiveM.V.S.B. has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €72k and a net result of €24k. Its solvency ranks better than 24% of 2259 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency8▼-29
Growth52
Stability82
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days only on tighter terms
Liquidity short (current ratio 0.35 against 0.89 in 2024), and 88.4% 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 · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
11.6%
Return on assets
3.8%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 2259 sector peers (2025).
NBB · sector comparisonPosition among 2259 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 11-05-2026, 81 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
81 d early
2024
73 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€72k▲ 48.9%
2024 · €48k
2024: €48k
2024 → 2025
Total assets
€620k▲ 234%
2024 · €185k
2024: €185k
2024 → 2025
Net result
€24k▼ 47.2%
2024 · €45k
2024: €45k
2024 → 2025
Working capital
€-79k▼ 1,484%
2024 · €-5k
2024: €-5k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€48k-€72k▲ 48.9%
Operating result€58k-€42k▼ 27.8%
Net result€45k-€24k▼ 47.2%
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 falls in 2025; 2025 is 28% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €620k
Fixed assets
€578k▲ 299%
Current assets
€42k▲ 3.5%
Equity and liabilities €620k
Equity
€72k▲ 48.9%
Debt
€548k▲ 300%
The debt ratio rises from 74.0% to 88.4%: debt grows faster than equity.
Key figures and ratios
EBITDA
€43k▼
2024 · €59k
Cash flow
€25k▼
2024 · €45k
Solvency
11.6%▼
2024 · 26.0%
Current ratio
0.35▼
2024 · 0.89
Quick ratio
0.35▼
2024 · 0.89
Debt / equity
7.63▲
2024 · 2.84
ROE
32.9%▼
2024 · 92.7%
ROA
3.8%▼
2024 · 24.1%
Interest coverage
3.01▼
2024 · 27.93
Debt
€548k▲
2024 · €137k
Debt ≤ 1 year
€121k▲
2024 · €46k
Debt > 1 year
€425k▲
2024 · €91k
Income taxes
€12k▼
2024 · €12k
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€185k€620k▲
Fixed assets21/28€145k€578k▲
Tangible fixed assets22/27€5k€4k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€2k€835▼
Financial fixed assets28€140k€574k▲
Current assets29/58€41k€42k▲
Amounts receivable within one year40/41€12k-
Trade receivables40€12k-
Current investments50/53€16k€5k▼
Cash at bank and in hand54/58€12k€37k▲
Deferred charges and accrued income490/1€271€443▲
Equity and liabilities
Total equity and liabilities10/49€185k€620k▲
Equity10/15€48k€72k▲
Contributions10/11€4k€4k=
Reserves13€44k€67k▲
Distributable reserves133€44k€67k▲
Profit (loss) carried forward14-€798
Amounts payable17/49€137k€548k▲
Amounts payable after more than one year17€91k€425k▲
Financial debts170/4€91k€425k▲
Amounts payable within one year42/48€46k€121k▲
Current portion of amounts payable after more than one year42-€30k
Trade debts44€282€3k▲
Suppliers440/4€282€3k▲
Taxes, remuneration and social security45€17k€31k▲
Taxes450/3€17k€31k▲
Other amounts payable47/48€28k€58k▲
Accrued charges and deferred income492/3€380€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€668€1k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€61k€45k▼
Operating profit (loss)9901€58k€42k▼
Financial income75/76B€170€8k▲
Recurring financial income75€170€8k▲
Financial charges65/66B€2k€14k▲
Recurring financial charges65€2k€14k▲
Profit (loss) for the period before taxes9903€56k€35k▼
Income taxes67/77€12k€12k▼
Profit (loss) for the period9904€45k€24k▼
Profit (loss) for the period to be appropriated9905€45k€24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€45k€24k▼
Transfer to equity691/2€44k€23k▼
To other reserves6921€44k€23k▼
Profit to be distributed694/7€479-
Return on contributions (dividend)694€479-
The notes to these accounts (10 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
11-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
19-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Merchtem · 1 establishment unit since 2023
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.
August De Boeckstraat 181785 MerchtemGround area
1,091 m²
Building footprint
255 m²
Volume, LiDAR
41 m³
Parcel 23602H0382/00Z002, Flanders · tallest building 9.6 m. Linked by address, not a title deed.
1 establishment unit
M.V.S.B.
since 20232.353.522.084
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23602H0382/00Z002 | Flanders | 1,091 m² | 1 · 255 m² | 9.6 m |
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 24,419 companies in sector 82990 we hold annual accounts for 9,359. 7,059 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-11-2023
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0495158678