MB CONSULT
ActiveSummary
MB CONSULT 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 €14k and a net result of €157k. Equity is shrinking by ~34.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 5% of 490 sector peers (fiscal year 2025). The company has been active since 2001 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 check for your own amount and term
Signals
Two 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 5% of 490 sector peers (2025).
NBB · sector comparisonPosition among 490 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 18-02-2026, 18 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 · 10 filingsDeviation from the deadline
2025
18 d late
2024
12 d late
2023
151 d late
2022
126 d early
2021
109 d early
2020
50 d late
2019
96 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€14k▼ 2.3%
2024 · €15k
2019: €66k
2020: €46k
2021: €68k
2022: €-25k
2023: €-20k
2024: €15k
2019 → 2025
Net result
€157k▲ 265%
2024 · €43k
2019: €42k
2020: €10k
2021: €52k
2022: €-69k
2023: €7k
2024: €43k
2019 → 2025
Total assets
€1.41M▲ 18.8%
2024 · €1.19M
2019: €761k
2020: €722k
2021: €711k
2022: €683k
2023: €627k
2024: €1.19M
2019 → 2025
Solvency
1.0%▼ 0.2pp
2024 · 1.2%
2019: 8.7%
2020: 6.4%
2021: 9.6%
2022: -3.7%
2023: -3.2%
2024: 1.2%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€68k-€-25k€-20k▲ 19.1%€15k€14k▼ 2.3%
Operating result€85k-€-19k€63k€120k▲ 91.0%€261k▲ 118%
Net result€52k-€-69k€7k€43k▲ 484%€157k▲ 265%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 118% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.41M
Fixed assets
€230k ▼ 21.2%
Current assets
€1.18M ▲ 31.8%
Equity and liabilities €1.41M
Equity
€14k ▼ 2.3%
Debt
€1.40M ▲ 19.0%
Debt's share of the balance-sheet total rises from 98.8% to 99.0%. Equity is lower and debt is higher.
Key figures and ratios
ROA
11.1%▲
2024 · 3.6%
Debt ≤ 1 year
€466k▲
2024 · €242k
Debt > 1 year
€934k=
2024 · €934k
Income taxes
€69k▲
2024 · €55k
Staff costs
€544k▲
2024 · €517k
A ratio outside any meaningful range has been withheld (balance sheet total €1.41M, equity €14k).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.19M€1.41M▲
Fixed assets21/28€292k€230k▼
Intangible fixed assets21€270k€203k▼
Tangible fixed assets22/27€22k€27k▲
Plant, machinery and equipment23€380€33▼
Furniture and vehicles24€2k€11k▲
Other tangible fixed assets26€19k€16k▼
Financial fixed assets28€293€393▲
Current assets29/58€899k€1.18M▲
Amounts receivable after more than one year29€600k€600k=
Trade receivables290€600k€600k=
Amounts receivable within one year40/41€240k€288k▲
Trade receivables40€111k€142k▲
Other amounts receivable41€128k€146k▲
Cash at bank and in hand54/58€50k€243k▲
Deferred charges and accrued income490/1€9k€53k▲
Equity and liabilities
Total equity and liabilities10/49€1.19M€1.41M▲
Equity10/15€15k€14k▼
Contributions10/11€12k€14k▲
Reserves13€2k-
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Profit (loss) carried forward14€531€188▼
Amounts payable17/49€1.18M€1.40M▲
Amounts payable after more than one year17€934k€934k=
Financial debts170/4€934k€934k=
Amounts payable within one year42/48€242k€466k▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€91k€94k▲
Suppliers440/4€91k€94k▲
Taxes, remuneration and social security45€144k€215k▲
Taxes450/3€59k€86k▲
Remuneration and social security454/9€84k€129k▲
Other amounts payable47/48€8k€157k▲
Accrued charges and deferred income492/3€194€200▲
Income statement
Code20242025
Remuneration, social security and pensions62€517k€544k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€75k€73k▼
Other operating charges640/8€2k€6k▲
Non-recurring operating charges66A€466€3k▲
Gross operating margin9900€714k€888k▲
Operating profit (loss)9901€120k€261k▲
Financial income75/76B€4k€5k▲
Recurring financial income75€4k€5k▲
Financial charges65/66B€26k€40k▲
Recurring financial charges65€26k€40k▲
Profit (loss) for the period before taxes9903€98k€226k▲
Income taxes67/77€55k€69k▲
Profit (loss) for the period9904€43k€157k▲
Profit (loss) for the period to be appropriated9905€43k€157k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€157k▲
Profit (loss) brought forward from the previous period14P€-34k€531▲
Profit to be distributed694/7€8k€157k▲
Return on contributions (dividend)694€8k€157k▲
Social balance
Average headcount (FTE)90877.05.8▼
The notes to these accounts (14 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
18-02
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 18 days late
2025
30-06
Financial
Highest result since 2019net €157k ▲265%
Operating result €261k, net result €157k, both a record.
12-02
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 12 days late
2024
30-06
Financial
Liquidity times 5current ratio 3.71
Current ratio from 0.81 to 3.71; short-term debt falls from €327k to €242k.
30-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 151 days late
2023
30-06
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
2022
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
30-06
Financial
Weakest financial yearnet €-69k ▼233%
Net result drops to €-69k, the lowest in the series; recovery starts the following year.
2021
14-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
22-03
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 50 days late
2020
06-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 96 days late
2019
16-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
23-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
22-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Elsene · 1 establishment unit since 2002
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.
Tenbosstraat 1241050 ElseneGround area
468 m²
Building footprint
267 m²
Volume, LiDAR
2,661 m³
2 parcels, Brussels · tallest building 18.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Tenbosstraat 70, 1050 Elsene
since 20022.094.638.289
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21447B0305/00K030 | Brussels | 369 m² | 1 · 175 m² | 12.3 m · 3 fl. |
| 21447B0294/00P000 | Brussels | 99 m² | 1 · 92 m² | 18.9 m · 5 fl. |
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.
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INDUMAR INSURANCE
BE 0463.027.223
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BE 1014.041.760
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 1,270 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-10-2001
Fiscal year end30-06
Activities, NACEBEL 2025
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.