MBV FINANCES
ActiveMBV FINANCES has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €378k and a net result of €202k. Equity is growing by ~60.3% per year across the filed fiscal years. Its solvency ranks better than 59% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency90▲+26
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.67 against 1.61 in 2024; short-term debt: 35.2% and cash: 17.3% of total assets), and 35.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
64.8%
Return on assets
34.5%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 6 filingsDeviation from the deadline
2025
31 d late
2024
30 d early
2023
105 d early
2022
on the day
2021
31 d late
2020
121 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€378k▲ 47.3%
2024 · €257k
2020: €24k
2021: €302k
2022: €533k
2023: €100k
2024: €257k
2020 → 2025
Total assets
€584k▼ 11.7%
2024 · €661k
2020: €40k
2021: €360k
2022: €614k
2023: €776k
2024: €661k
2020 → 2025
Net result
€202k▼ 54.9%
2024 · €446k
2020: €23k
2021: €278k
2022: €230k
2023: €218k
2024: €446k
2020 → 2025
Working capital
€343k▲ 40.2%
2024 · €245k
2020: €23k
2021: €294k
2022: €524k
2023: €85k
2024: €245k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€302k-€533k▲ 76.1%€100k▼ 81.2%€257k▲ 156%€378k▲ 47.3%
Operating result€366k-€304k▼ 16.9%€280k▼ 8.0%€614k▲ 119%€266k▼ 56.7%
Net result€278k-€230k▼ 17.2%€218k▼ 5.6%€446k▲ 105%€202k▼ 54.9%
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 57% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €584k
Fixed assets
€35k▲ 193%
Current assets
€548k▼ 15.5%
Equity and liabilities €584k
Equity
€378k▲ 47.3%
Debt
€205k▼ 49.2%
The debt ratio falls from 61.2% to 35.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€271k▼
2024 · €617k
Cash flow
€207k▼
2024 · €450k
Solvency
64.8%▲
2024 · 38.8%
Current ratio
2.67▲
2024 · 1.61
Quick ratio
2.67▲
2024 · 1.61
Debt / equity
0.54▼
2024 · 1.57
ROE
53.3%▼
2024 · 173.9%
ROA
34.5%▼
2024 · 67.6%
Interest coverage
92.01▼
2024 · 197.81
Debt
€205k▼
2024 · €404k
Debt ≤ 1 year
€205k▼
2024 · €404k
Income taxes
€77k▼
2024 · €183k
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€661k€584k▼
Fixed assets21/28€12k€35k▲
Tangible fixed assets22/27€10k€33k▲
Furniture and vehicles24€7k€4k▼
Other tangible fixed assets26€3k€29k▲
Financial fixed assets28€2k€2k=
Current assets29/58€649k€548k▼
Amounts receivable within one year40/41€27k€46k▲
Trade receivables40€27k€32k▲
Other amounts receivable41€248€15k▲
Current investments50/53-€400k
Cash at bank and in hand54/58€621k€101k▼
Deferred charges and accrued income490/1€963€963=
Equity and liabilities
Total equity and liabilities10/49€661k€584k▼
Equity10/15€257k€378k▲
Contributions10/11€1k€1k=
Reserves13€250k€375k▲
Distributable reserves133€250k€375k▲
Profit (loss) carried forward14€6k€2k▼
Amounts payable17/49€404k€205k▼
Amounts payable within one year42/48€404k€205k▼
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Taxes, remuneration and social security45€113k€88k▼
Taxes450/3€113k€88k▼
Other amounts payable47/48€290k€116k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲
Other operating charges640/8€64€64=
Gross operating margin9900€617k€271k▼
Operating profit (loss)9901€614k€266k▼
Financial income75/76B€19k€16k▼
Recurring financial income75€19k€16k▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€630k€279k▼
Income taxes67/77€183k€77k▼
Profit (loss) for the period9904€446k€202k▼
Profit (loss) for the period to be appropriated9905€446k€202k▼
Appropriation of the result
Profit (loss) to be appropriated9906€546k€207k▼
Profit (loss) brought forward from the previous period14P€99k€6k▼
Transfer to equity691/2€250k€125k▼
To other reserves6921€250k€125k▼
Profit to be distributed694/7€290k€80k▼
Return on contributions (dividend)694€290k€80k▼
The notes to these accounts (6 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €446k ▲105%
Operating result €614k, net result €446k, both a record.
31-12
Financial
Equity above €200kEq €257k ▲156%
5 profitable years in a row build equity to €257k.
17-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €500kEq €533k ▲76.1%
3 profitable years in a row build equity to €533k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 6.10
Current ratio from 2.54 to 6.10.
31-12
Financial
Equity above €200kEq €302k ▲1143%
2 profitable years in a row build equity to €302k.
29-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 121 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, Visé · 1 establishment unit since 2020
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 de Berneau 694600 ViséGround area
1,155 m²
Building footprint
63 m²
Volume, LiDAR
522 m³
Parcel 62108B0364/00Y000, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SRL MBV FINANCES
since 20202.306.845.387
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62108B0364/00Y000 | Wallonia | 1,155 m² | 1 · 63 m² | 8.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 36,714 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-07-2020
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.