MAC FINANCES is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €8k and a net result of €110k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 2435 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
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 2435 sector peers (2025).
NBB · sector comparisonPosition among 2435 sector peers
Solvency
better than 10%
← 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 26-05-2026, 66 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
66 d early
2024
31 d early
2023
30 d late
2022
28 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€8k▼ 95.8%
2024 · €179k
2022: €102k
2023: €249k
2024: €179k
2022 → 2025
Net result
€110k▼ 38.8%
2024 · €180k
2022: €95k
2023: €148k
2024: €180k
2022 → 2025
Total assets
€745k▼ 14.8%
2024 · €874k
2022: €649k
2023: €907k
2024: €874k
2022 → 2025
Solvency
1.0%▼ 19.4pp
2024 · 20.4%
2022: 15.7%
2023: 27.4%
2024: 20.4%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€383k-€567k▲ 47.9%
Equity€102k-€249k▲ 145%€179k▼ 28.2%€8k▼ 95.8%
Operating result€109k-€204k▲ 87.3%€237k▲ 16.2%€156k▼ 34.4%
Net result€95k-€148k▲ 55.7%€180k▲ 21.6%€110k▼ 38.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 34% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €745k
Fixed assets
€544k▼ 1.5%
Current assets
€201k▼ 37.6%
Equity and liabilities €745k
Equity
€8k▼ 95.8%
Debt
€737k▲ 5.9%
The debt ratio rises from 79.6% to 99.0%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
1.0%▼
2024 · 20.4%
ROA
14.8%▼
2024 · 20.6%
Debt
€737k▲
2024 · €696k
Debt ≤ 1 year
€297k▲
2024 · €241k
Debt > 1 year
€441k▼
2024 · €455k
Income taxes
€35k▼
2024 · €57k
Staff costs
€230k▲
2024 · €179k
A ratio outside any meaningful range has been withheld (balance sheet total €745k, equity €8k).
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€874k€745k▼
Fixed assets21/28€553k€544k▼
Intangible fixed assets21€212k€182k▼
Tangible fixed assets22/27€341k€362k▲
Land and buildings22€328k€306k▼
Furniture and vehicles24€10k€54k▲
Assets under construction and advance payments27€3k€2k▼
Current assets29/58€322k€201k▼
Amounts receivable within one year40/41€39k€46k▲
Trade receivables40€36k€40k▲
Other amounts receivable41€3k€6k▲
Cash at bank and in hand54/58€277k€146k▼
Deferred charges and accrued income490/1€6k€9k▲
Equity and liabilities
Total equity and liabilities10/49€874k€745k▼
Equity10/15€179k€8k▼
Contributions10/11€8k€8k=
Profit (loss) carried forward14€171k€0▼
Amounts payable17/49€696k€737k▲
Amounts payable after more than one year17€455k€441k▼
Financial debts170/4€455k€441k▼
Amounts payable within one year42/48€241k€297k▲
Current portion of amounts payable after more than one year42€50k€62k▲
Financial debts43-€13k
Credit institutions430/8-€13k
Trade debts44€4k€8k▲
Suppliers440/4€4k€8k▲
Taxes, remuneration and social security45€187k€103k▼
Taxes450/3€161k€70k▼
Remuneration and social security454/9€26k€33k▲
Other amounts payable47/48-€110k
Income statement
Code20242025
Remuneration, social security and pensions62€179k€230k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€55k€66k▲
Other operating charges640/8€5k€10k▲
Non-recurring operating charges66A-€30k
Gross operating margin9900€476k€492k▲
Operating profit (loss)9901€237k€156k▼
Financial income75/76B€12k€3k▼
Recurring financial income75€12k€3k▼
Financial charges65/66B€13k€14k▲
Recurring financial charges65€13k€14k▲
Profit (loss) for the period before taxes9903€237k€145k▼
Income taxes67/77€57k€35k▼
Profit (loss) for the period9904€180k€110k▼
Profit (loss) for the period to be appropriated9905€180k€110k▼
Appropriation of the result
Profit (loss) to be appropriated9906€421k€281k▼
Profit (loss) brought forward from the previous period14P€241k€171k▼
Profit to be distributed694/7€250k€281k▲
Return on contributions (dividend)694€250k€281k▲
The notes to these accounts (13 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
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €180k ▲21.6%
Operating result €237k, net result €180k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Equity above €200kEq €249k ▲145%
2 profitable years in a row build equity to €249k.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 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, Jemeppe-sur-Sambre · 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.
Rue Jules Doumont 15190 Jemeppe-sur-SambreGround area
1,047 m²
Building footprint
129 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
MAC FINANCES SRL
since 20212.322.538.801
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92068D0112/00X000 | Wallonia | 832 m² | - | - |
| 92053D0205/00F000 | Wallonia | 215 m² | 1 · 129 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
254900QEZX7SMWZG3180
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Of 1,681 companies in sector 66191 we hold annual accounts for 1,230. 290 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-10-2021
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.