M7 Concept
ActiveSummary
The computed 12-month bankruptcy probability of M7 Concept is 2.4% (moderate). The 2025 annual accounts show equity of €107k and a net result of €82k. Its solvency ranks better than 28% of 27965 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability94▲+3
Solvency52▲+4
Growth78
Track record82
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Liquidity tight (current ratio 1.37 against 1.3 in 2024; short-term debt: 65% and cash: 14.3% of total assets), and 73.4% of the assets are financed with debt.
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Signals
Five 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
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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
26.6%
Return on assets
20.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-09-2026, 42 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 · 2 filingsDeviation from the deadline
2025
42 d late
2024
21 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€107k▲ 326%
2024 · €25k
Total assets
€404k▲ 270%
2024 · €109k
Net result
€82k▲ 255%
2024 · €23k
Working capital
€97k▲ 283%
2024 · €25k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20242025
Operating result€27k-€108k▲ 302%
Net result€23k-€82k▲ 255%
Equity€25k-€107k▲ 326%
Total assets€109k-€404k▲ 270%
Debt€84k-€297k▲ 253%
Working capital€25k-€97k▲ 283%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 302% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €404k
Fixed assets
€45k
Current assets
€359k
Equity and liabilities €404k
Equity
€107k ▲ 326%
Debt
€297k ▲ 253%
Debt's share of the balance-sheet total falls from 76.9% to 73.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€115k
Cash flow
€89k
Current ratio
1.37▲
2024 · 1.30
Debt to equity
2.76▼
2024 · 3.33
ROE
76.6%▼
2024 · 92.1%
ROA
20.3%▼
2024 · 21.2%
Interest coverage
40.87
Debt ≤ 1 year
€263k▲
2024 · €84k
Debt > 1 year
€34k
Income taxes
€23k▲
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €7k | - |
| Other operating charges640/8 | €405 | €1k | ▲ 215% |
| Gross operating margin9900 | €27k | €116k | ▲ 327% |
| Operating profit (loss)9901 | €27k | €108k | ▲ 302% |
| Financial income75/76B | €78 | €28 | ▼ 64.3% |
| Recurring financial income75 | €78 | €28 | ▼ 64.3% |
| Financial charges65/66B | €19 | €3k | ▲ 14,883% |
| Recurring financial charges65 | €19 | €3k | ▲ 14,883% |
| Profit (loss) for the period before taxes9903 | €27k | €105k | ▲ 291% |
| Income taxes67/77 | €4k | €23k | ▲ 519% |
| Profit (loss) for the period9904 | €23k | €82k | ▲ 255% |
| Profit (loss) for the period to be appropriated9905 | €23k | €82k | ▲ 255% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €109k | €404k | ▲ 270% |
| Fixed assets21/28 | - | €45k | - |
| Tangible fixed assets22/27 | - | €45k | - |
| Plant, machinery and equipment23 | - | €1k | - |
| Furniture and vehicles24 | - | €44k | - |
| Current assets29/58 | €109k | €359k | ▲ 229% |
| Amounts receivable within one year40/41 | €87k | €301k | ▲ 247% |
| Trade receivables40 | €80k | €267k | ▲ 236% |
| Other amounts receivable41 | €7k | €34k | ▲ 377% |
| Cash at bank and in hand54/58 | €22k | €58k | ▲ 158% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €109k | €404k | ▲ 270% |
| Equity10/15 | €25k | €107k | ▲ 326% |
| Contributions10/11 | €2k | €2k | = |
| Profit (loss) carried forward14 | €23k | €105k | ▲ 355% |
| Amounts payable17/49 | €84k | €297k | ▲ 253% |
| Amounts payable after more than one year17 | - | €34k | - |
| Financial debts170/4 | - | €34k | - |
| Amounts payable within one year42/48 | €84k | €263k | ▲ 213% |
| Current portion of amounts payable after more than one year42 | - | €9k | - |
| Trade debts44 | €74k | €217k | ▲ 192% |
| Suppliers440/4 | €74k | €217k | ▲ 192% |
| Taxes, remuneration and social security45 | €8k | €37k | ▲ 354% |
| Taxes450/3 | €5k | €27k | ▲ 475% |
| Remuneration and social security454/9 | €3k | €10k | ▲ 191% |
| Other amounts payable47/48 | €2k | - | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €23k | €82k | ▲ 255% |
| + Depreciation and write-downs630 | - | €7k | - |
| Operating cash flow (approximation) | €23k | €89k | ▲ 286% |
| Change in cash | - | €35k | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
11-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 42 days late
2025
31-12
Financial
Equity above €100kEq €107k ▲326%
2 profitable years in a row build equity to €107k.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Quaregnon · 1 establishment unit since 2024
Ground area
346 m²
Building footprint
67 m²
Volume, LiDAR
635 m³
Parcel 53065A0322/00K003, Wallonia · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
M7 Concept
since 20242.360.336.929
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53065A0322/00K003 | Wallonia | 346 m² | 1 · 67 m² | 11.5 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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
LUKAS BV
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S & A BETONBEWERKING
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BIA CHAPE
BE 0721.659.907
Le Roeulx · Eq €107,638
BOERJAN LOTHAR
BE 0812.311.355
Brugge · Eq €107,655
H.V.D.
BE 0453.106.202
Oudenaarde · Eq €107,677
Of 15,521 companies in sector 43990 we hold annual accounts for 7,414. 6,218 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded29-03-2024
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
Scores and ratios are computed by Checked and are not a credit decision.