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MC PATRIMOINE

Active
Non-profit associationfounded 1998active for 28 yearsRue de Fernelmont(CH) 40-42, 5020 Namur, BelgiumKBO/BCE: BE 0475.008.109

From the official registers: KBO 20 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

MC PATRIMOINE has been active since 1998 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €56.1m and a net result of €1.4m, of which €1.1m non-recurring income. Equity has been growing by about 17% per year since 2020. Its solvency ranks better than 94% of 56 sector peers (NACE 84, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Official details

KBO
Status
Active since 19-10-1998 Normal situation
Registered office
18 active companies are registered at this address Source: KBO register, as of 1 November 2026.
Activity
Public administration and defence; compulsory social security NACE 84302
Establishment units
8 establishment units
Financial year end
31 December
Peppol
Reachable since 22-05-2025

Board and ownership

Board
and 5 other directors

Financial position

97 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts 2025
Turnover
€4.3m
▲ 2.1%
Operating revenue
€9.7m
▼ 0.2%
Surplus
€1.4m
▲ 16.1%
Equity
€56.1m
▲ 2.5%
Total assets
€65.6m
▲ 1.7%
Filed on 03-07-2026, 28 days before the deadlineat the National Bank
Score breakdownraises riskLiquidity: current ratio 4.19, cash €2.4mlowers riskLegal form: non-profit associationSector: Public administration and defence; compulsory social security (NACE 84)Size: turnover €4.3m, total assets €65.6mShow the evidence

Checked score

Score 2025
97 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 73% of companies in public administration and defence (NACE 84)
Financial strength · tick: 2024
Strong
Solvency 100=
equity 85.5% of total assets
Liquidity 55+4
short-term debt 4.8% · cash 3.6%
Profitability 81=
return on assets 2.2%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

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

Sector median < 0.1% (8 companies, NACE 84, large)
Last 24 months 12-2024: < 0.1% 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025lowest value 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026highest value 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026 11-2026: < 0.1%● unchanged vs 10-2026
Credit of up to €430,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.19 (4.16 in 2024), above the usual 1.5. Short-term debt is 4.8% and cash 3.6% of total assets. 14.5% 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 84). It does better than 90% of them on solvency, 58% on liquidity, 86% on profitability and 59% on growth.

The bankruptcy probability was computed on 01-11-2026 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.

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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Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Legal form: non-profit association
KBO
lowers risk · Sector: Public administration and defence; compulsory social security (NACE 84)
KBO
lowers risk · Size: turnover €4.3m, total assets €65.6m
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 · Liquidity: current ratio 4.19, cash €2.4m
NBB · annual accounts
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
28 days early
2024
23 days early
2023
26 days early
2022
25 days early
2021
123 days early
2020
32 days early
2019
52 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 44 days before the deadline. In the sector (NACE 84), the median for financial year 2024 was 30 days before the deadline, and 20% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 6 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Higher solvency than 93% of companies in public administration and defencesector median 31.2% · 56 companies 85.5% View
  • Board changedlatest change 28-05-2026 · 9 in office 1 joined · 2 left View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View

Comparable companies

These companies have their main activity in the same NACE class as MC PATRIMOINE: public administration and defence; compulsory social security (NACE 8430). With exactly the same main activity (NACE 84302), too few companies are of comparable size. They are comparable in size and age: total assets between €7.8m and €60m, founded between 1957 and 1999.

CompanyTotal assetsTurnover
MC PATRIMOINE Namur€65.6m€4.3m
GROUP S - SOCIAAL VERZEKERINGSFONDS VOOR ZELFSTANDIGEN Brussel€60.4m€6.2m
Samana, vereniging zonder winstoogmerk Schaarbeek€7.8m€5.8m
MAISON DE LA SOLIDARITE Brussel€54.1m€4.4m
Caisse wallonne d'assurances sociales UCM Namur€13.1m€18.3m
Participo CM Oost-Vlaanderen Gent€45.9m-
Kinderbijslagfonds BRUSSELS FAMILIY Brussel€9.6m€2.3m
Full comparison

Documents

Annual accounts at the NBB

All 20 annual accounts

Articles and registers

Key facts about MC PATRIMOINE

What is the company number of MC PATRIMOINE?
The company number of MC PATRIMOINE is 0475.008.109. The VAT number is the same number with BE in front: BE 0475.008.109.
Where is MC PATRIMOINE based?
The registered office is at Rue de Fernelmont(CH) 40-42, 5020 Namur.Company details
What does MC PATRIMOINE do?
According to the KBO register, the main activity is public administration and defence; compulsory social security (NACE 84302).
What is the legal form of MC PATRIMOINE?
The legal form of MC PATRIMOINE is Non-profit association (VZW).
When was MC PATRIMOINE founded?
MC PATRIMOINE was founded on 19-10-1998.
Is MC PATRIMOINE still active?
Yes, MC PATRIMOINE is an active enterprise in the KBO register.
What is the turnover of MC PATRIMOINE?
The turnover of MC PATRIMOINE was €4.3m in financial year 2025, according to the filed annual accounts.Financials
Is MC PATRIMOINE profitable?
In financial year 2025, MC PATRIMOINE made a profit of €1.4m.
Where can I find the annual accounts of MC PATRIMOINE?
MC PATRIMOINE filed 20 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of MC PATRIMOINE due?
MC PATRIMOINE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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