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M3A Invest

Active
Private limited companyfounded 2025active for 1 yearOorsprongstraat 41, 3840 Tongeren-Borgloon, BelgiumKBO/BCE: BE 1021.497.694
Summary

M3A Invest has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €152,985 and a net result of €52,985. Its solvency ranks better than 35% of 39,293 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Overview

Official details

Source: KBO
Status
Active since 26-03-2025 Normal situation
Activity
Activities of head offices NACE 70100and 3 others
Establishment unit
2.372.954.946 3840 Tongeren-Borgloon, since 26-03-2025
Financial year end
31 December
Peppol
Reachable since 19-12-2025

Board and ownership

Board
Shareholders
  • LENAERS Alfonsdeed of 28-03-2025

Financial position

86 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.2%
Annual accounts 2025
Gross margin
€115,554
Turnover
≈ €190,000
estimated
Profit
€52,985
Equity
€152,985
Total assets
€416,912
  • 2025 accounts filed 31 days after the deadline
Score breakdownraises riskLast filed accounts filed 31 days late; 1 of the last 3 accounts lateFounded in 2025lowers riskSector: Activities of head offices; management consultancy activities (NACE 70)Size: total assets €416,912Show the evidence

Checked score

Score 2025
86 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 33% of micro companies in head offices and management consultancy (NACE 70)
Financial strength
Average
Solvency 62
equity 36.7% of total assets
Liquidity 24
short-term debt 63.3% · cash 6.0%
Profitability 85
return on assets 12.7%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (48,544 companies, NACE 70, micro)
Last 24 months 04-2026: 0.4% 05-2026: 0.4%● unchanged vs 04-2026 06-2026: 0.4%● unchanged vs 05-2026 07-2026: 0.4%● unchanged vs 06-2026 08-2026: 0.4%● unchanged vs 07-2026highest value 09-2026: 0.2%▼ -0.2 percentage points vs 08-2026lowest value 10-2026: 0.2%● unchanged vs 09-2026 11-2026: 0.2%● unchanged vs 10-2026
Credit of up to €13,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity is insufficient, with a current ratio of 0.1, below 1. Short-term debt is 63.3% and cash 6% of total assets. 63.3% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 35% of them on solvency, 10% on liquidity and 53% on profitability.

The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

The probability rests on the annual accounts with balance sheet date 31-12-2025.

Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises risk
lowers risk · Sector: Activities of head offices; management consultancy activities (NACE 70)
KBO
lowers risk · Size: total assets €416,912
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Last filed accounts filed 31 days late; 1 of the last 3 accounts late
NBB · filings
raises risk · Founded in 2025
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filing
Deviation from the deadline
2025
31 days late
← before the deadline after the deadline →
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2025.
KBO publications

Recent changes

  1. · Gazette deed IncorporationFounding capital of €100,000, 100 shares · Founder: LENAERS Alfons · Appointment: LENAERS Alfons (director)
All 2 events

Comparable companies

These companies have the same main activity as M3A Invest: activities of head offices (NACE 70100). They are comparable in size and age: total assets between €305,000 and €618,000, founded between 2024 and 2025.

CompanyTotal assetsGross margin
M3A Invest Tongeren-Borgloon€416,912€115,554
SMTC Hooglede€547,905€111,776
Aega Hasselt€438,462€90,904
OTTOMOOV Koekelare€305,231€109,302
KM Projecten Brecht€372,642€81,592
LUCRUM Invest Zedelgem€618,104€99,158
DEEPWATER SOLUTIONS Kortrijk€306,485€89,693
Full comparison

Key facts about M3A Invest

What is the company number of M3A Invest?
The company number of M3A Invest is 1021.497.694. The VAT number is the same number with BE in front: BE 1021.497.694.
Where is M3A Invest based?
The registered office is at Oorsprongstraat 41, 3840 Tongeren-Borgloon.Company details
What does M3A Invest do?
According to the KBO register, the main activity is activities of head offices (NACE 70100).
What is the legal form of M3A Invest?
M3A Invest is a private limited company (BV).
When was M3A Invest founded?
M3A Invest was founded on 26-03-2025.
Is M3A Invest still active?
Yes, M3A Invest is an active enterprise in the KBO register.
What is the turnover of M3A Invest?
The turnover in financial year 2025 is ≈ €190,000. This figure is estimated from the gross margin of €115,554 and 114 comparable companies (NACE 70). It probably lies between €160,000 and €230,000.Financials
Is M3A Invest profitable?
In financial year 2025, M3A Invest made a profit of €52,985.
Where can I find the annual accounts of M3A Invest?
M3A Invest filed 1 annual account with the National Bank of Belgium, for financial year 2025.

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