M-Y 14
ActiveThe computed 12-month bankruptcy probability of M-Y 14 is 2.1% (moderate). The 2025 annual accounts show equity of €4k and a net result of €5k. Equity is growing by ~51.3% per year across the filed fiscal years. Its solvency ranks better than 25% of 7431 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+9
Solvency45▲+24
Growth85=
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 · 5 filingsDeviation from the deadline
2025
29 d late
2024
1 d early
2023
29 d late
2022
4 d late
2021
32 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€102k▲ 109%
2024 · €49k
2021: €14k
2022: €50k
2023: €113k
2024: €49k
2021 → 2025
EBIT margin
4.7%▼ 0.1pp
2024 · 4.8%
2021: -30.0%
2022: 3.0%
2023: 0.8%
2024: 4.8%
2021 → 2025
Net result
€5k▲ 251%
2024 · €1k
2021: €-4k
2022: €1k
2023: €817
2024: €1k
2021 → 2025
Working capital
€-4k▼ 138%
2024 · €-2k
2021: €-4k
2022: €-3k
2023: €-4k
2024: €-2k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€14k-€50k▲ 257%€113k▲ 124%€49k▼ 56.7%€102k▲ 109%
Equity€-4k-€-3k▲ 35.1%€-2k▲ 29.8%€-596▲ 69.0%€4k
Operating result€-4k-€2k€958▼ 36.2%€2k▲ 147%€5k▲ 104%
Net result€-4k-€1k€817▼ 44.9%€1k▲ 62.6%€5k▲ 251%
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 104% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €21k
Fixed assets
€8k▲ 609%
Current assets
€13k▲ 2.8%
Equity and liabilities €21k
Equity
€4k
Debt
€17k
Debt finances 80.5% of the balance-sheet total.
Key figures and ratios
EBITDA
€6k▲
2024 · €3k
Cash flow
€6k▲
2024 · €2k
Solvency
19.5%▲
2024 · -4.4%
Current ratio
0.75▼
2024 · 0.87
Quick ratio
0.75▼
2024 · 0.87
Debt / equity
4.12
ROE
114.6%
ROA
22.4%▲
2024 · 9.9%
Interest coverage
39.06▲
2024 · 23.47
Debt
€17k▲
2024 · €14k
Debt ≤ 1 year
€17k▲
2024 · €14k
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€13k€21k▲
Fixed assets21/28€1k€8k▲
Tangible fixed assets22/27€1k€8k▲
Furniture and vehicles24€1k€8k▲
Current assets29/58€12k€13k▲
Amounts receivable within one year40/41€7k€4k▼
Trade receivables40€6k-
Other amounts receivable41€696€4k▲
Cash at bank and in hand54/58€5k€8k▲
Equity and liabilities
Total equity and liabilities10/49€13k€21k▲
Equity10/15€-596€4k▲
Profit (loss) carried forward14€-596€4k▲
Amounts payable17/49€14k€17k▲
Amounts payable within one year42/48€14k€17k▲
Trade debts44€10k-
Suppliers440/4€10k-
Advances received on contracts in progress46-€17k
Other amounts payable47/48€4k-
Income statement
Code20242025
Turnover70€49k€102k▲
Goods, raw materials, services and sundry goods60/61€45k€96k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€933€1k▲
Other operating charges640/8€441€277▼
Gross operating margin9900€4k€6k▲
Operating profit (loss)9901€2k€5k▲
Financial charges65/66B€141€153▲
Recurring financial charges65€141€153▲
Profit (loss) for the period before taxes9903€2k€5k▲
Income taxes67/77€896-
Profit (loss) for the period9904€1k€5k▲
Profit (loss) for the period to be appropriated9905€1k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-596€4k▲
Profit (loss) brought forward from the previous period14P€-2k€-596▲
The notes to these accounts (4 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
31-12
Financial
Highest result since 2021net €5k ▲251%
Operating result €5k, net result €5k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
2022
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
01-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 32 days late
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, Kraainem · 1 establishment unit since 2021
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.
Steenweg op Mechelen 4551950 KraainemGround area
1.1 ha
Building footprint
865 m²
Volume, LiDAR
33,994 m³
Parcel 22002C0073/00N009, Flanders · tallest building 42.8 m, ±14 floors. Linked by address, not a title deed.
1 establishment unit
M-Y 14
since 20212.314.589.254
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22002C0073/00N009 | Flanders | 1.1 ha | 1 · 865 m² | 42.8 m · 14 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
DW Group Ltd
BE 0802.891.566
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JDN-CONSTRUCTION
BE 0792.156.339
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BEZETTINGSWERKEN MUS
BE 0743.442.444
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Algemene Bouwwerken Scheynen
BE 0845.262.057
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DOMUS DEVELOPMENT
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 5,661 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-03-2021
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.