M3 INVEST
The computed 12-month bankruptcy probability of M3 INVEST is 2.9% (moderate). The 2024 annual accounts show equity of €21k and a net result of €7k. Its solvency ranks better than 53% of 3838 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €21k |
| Net result | €7k |
| Better than sector | 53% |
| Active | 3 yrs |
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 41.8% | 39.5% | |
| Net result | €7k | €9k | |
| Equity | €21k | €29k | |
| Gross operating margin | €10k | €26k | |
| Staff costs | €15 | €16k |
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €10k |
| Net profit | €7k |
| Cash flow | €8k |
| Staff costs | €15 |
| Income taxes | €2k |
| Dividends | - |
| Total assets | €49k |
| Equity | €21k |
| Debt | €29k |
| of which ≤ 1y | €29k |
| of which > 1y | - |
| Working capital | €18k |
| Employees (FTE) | - |
| 2024 | |
|---|---|
| Current ratio | 1.63 |
| Quick ratio | 1.63 |
| Working capital ratio | 36.5% |
| Solvency | 41.8% |
| Debt / equity | 1.39 |
| Long-term debt ratio | - |
| Interest coverage | 66.34 |
| Gross margin | - |
| Net margin | - |
| ROA | 14.0% |
| ROE | 33.4% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Full annual accounts (20 line items)
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €49k |
| Fixed assets | 21/28 | €3k |
| Tangible fixed assets | 22/27 | €3k |
| Current assets | 29/58 | €47k |
| Amounts receivable within one year | 40/41 | €42k |
| Cash & bank | 54/58 | €5k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €49k |
| Equity | 10/15 | €21k |
| Contributions / capital | 10/11 | €3k |
| Accumulated profits (losses) | 14 | €18k |
| Amounts payable | 17/49 | €29k |
| Amounts payable within one year | 42/48 | €29k |
| Trade debts payable within one year | 44 | €6k |
| Income statement | ||
| Gross operating margin | 9900 | €10k |
| Operating result | 9901 | €9k |
| Financial charges | 65 | €146 |
| Result before taxes | 9903 | €9k |
| Income taxes | 67/77 | €2k |
| Net result for the period | 9904 | €7k |
| Result to be appropriated | 9905 | €7k |
-
Montemurro LorenzoDirectorState Gazette act 26029459 (26-02-2026)Current04-02-2026 → present
Former directors (1)
-
Montemurro JoakimDirectorState Gazette act 26029459 (26-02-2026)Former- → 04-02-2026
| NACE primary | Algemene bouw van residentiële gebouwen(41001) |
| Legal form | Private limited company(610) |
| Incorporation | 26-01-2023 |
| Status | Active |
| Postal code | 4100 |
Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62353D0249/00C003 | Wallonia | 187 m² | 1 · 56 m² | 11.1 m · 3 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
26-02-2026 1 director appointed, 1 resigning
- Montemurro Lorenzo, Bestuurder
- Montemurro Joakim, Bestuurder
Technical details
{
"events": [
{
"kind": "director_out",
"role": "administrateur",
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"name": "Montemurro Joakim",
"address": null,
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},
"reason": "de_plein_droit_dissolution",
"subkind": "regular",
"via_org": null,
"statutory": "statutair",
"compensated": null,
"effective_date": "2026-02-04",
"evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale d\u00E9cide de d\u00E9missionner Monsieur Montemurro Joakim de son poste d\u0027administrateur.",
"decharge_status": null,
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"effective_date_qualifier": "immediate"
},
{
"kind": "director_in",
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},
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"evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale d\u00E9cide de nommer au poste d\u0027administrateur Monsieur Montemurro Lorenzo.",
"decharge_status": null,
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"effective_date_qualifier": "immediate"
}
],
"notary": {
"name": null,
"firm_city": null,
"firm_name": null,
"office_city": "Seraing",
"is_associated": false
},
"act_meta": {
"language": "nl",
"pub_date": "2026-02-26",
"filing_date": "2026-02-04",
"act_kind_objet": "Objet de l\u0027acte:"
},
"decisions": [
{
"body": "algemene_vergadering",
"date": "2026-02-04",
"unanimous": true
}
],
"is_correction": false,
"subject_company": {
"kbo": "0797.639.908",
"name_full": "M3 Invest",
"legal_form": "SRL"
},
"publication_proxy": {
"kind": "person",
"org_kbo": null,
"org_name": null,
"person_name": "Montemurro Joakim",
"org_rep_person_name": null,
"person_role_at_subject": "Administrateur d\u00E9missionnaire"
},
"co_filed_documents": [],
"corrected_publication_numac": null
}30-01-2023 Incorporation of a new SRL
Technical details
{
"kind": "oprichting",
"seat": "4100 Seraing, Rue du Val Saint-Lambert 143",
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"founders": [
{
"org": null,
"kind": "natural_person",
"person": {
"dob": "1987-09-28",
"name": "MONTEMURRO Joakim",
"niss": null,
"address": "4100 Seraing, Rue du Val Saint-Lambert 143"
},
"share_class": "Ordinary",
"partner_role": null,
"holder_org_kbo": null,
"holder_org_name": null,
"contribution_type": "cash",
"amount_paid_in_eur": 2500,
"holder_person_name": "MONTEMURRO Joakim",
"is_subscriber_only": true,
"n_shares_subscribed": 100,
"amount_subscribed_eur": 2500,
"is_anonymous_silent_partner": false
}
],
"capital_eur": 2500,
"subject_company": {
"kbo": "0797.639.908",
"name_full": "M3 INVEST",
"legal_form": "SRL"
},
"initial_directors": [],
"incorporation_date": "2023-01-24",
"post_incorporation_mandates": []
}| Legal nameFR | M3 INVEST |