MC SCHILDERWERKEN
ActiveSummary
MC SCHILDERWERKEN has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €54k and a net result of €-2k. Equity is growing by ~26.8% per year across the filed fiscal years. Its solvency ranks better than 93% of 7777 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability44▼-31
Solvency100▲+15
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 7.58 against 3.05 in 2024; short-term debt: 12% and cash: 23.9% of total assets), and 12% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
88%
Return on assets
-3.6%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
36 d early
2023
35 d early
2022
55 d early
2021
52 d early
2020
31 d late
2019
56 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€54k▼ 4.0%
2024 · €57k
2018: €8k
2019: €6k
2020: €21k
2021: €22k
2022: €39k
2023: €52k
2024: €57k
2018 → 2025
Total assets
€62k▼ 34.1%
2024 · €94k
2018: €38k
2019: €28k
2020: €29k
2021: €60k
2022: €112k
2023: €115k
2024: €94k
2018 → 2025
Net result
€-2k
2024 · €5k
2018: €-20k
2019: €-2k
2020: €15k
2021: €3k
2022: €17k
2023: €13k
2024: €5k
2018 → 2025
Working capital
€49k▲ 37.4%
2024 · €36k
2018: €-1k
2019: €-4k
2020: €14k
2021: €16k
2022: €14k
2023: €23k
2024: €36k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€39k▲ 74.5%€52k▲ 32.9%€57k▲ 9.0%€54k▼ 4.0%
Operating result€2k-€24k▲ 871%€20k▼ 15.2%€9k▼ 56.9%€2k▼ 77.8%
Net result€3k-€17k▲ 424%€13k▼ 23.1%€5k▼ 63.7%€-2k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 78% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €62k
Fixed assets
€5k ▼ 86.7%
Current assets
€56k ▲ 6.3%
Equity and liabilities €62k
Equity
€54k ▼ 4.0%
Debt
€7k ▼ 80.0%
Debt's share of the balance-sheet total falls from 39.7% to 12.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€11k▼
2024 · €29k
Cash flow
€7k▼
2024 · €25k
Current ratio
7.58▲
2024 · 3.05
Quick ratio
7.44▲
2024 · 2.58
Debt to equity
0.14▼
2024 · 0.66
ROE
-4.1%▼
2024 · 8.2%
ROA
-3.6%▼
2024 · 5.0%
Interest coverage
3.53▼
2024 · 21.10
Debt ≤ 1 year
€7k▼
2024 · €17k
Income taxes
€1k▼
2024 · €3k
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 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€94k€62k▼
Fixed assets21/28€41k€5k▼
Tangible fixed assets22/27€41k€5k▼
Plant, machinery and equipment23€560€2k▲
Furniture and vehicles24€10k€3k▼
Leasing and similar rights25€30k-
Other tangible fixed assets26€766€482▼
Current assets29/58€53k€56k▲
Stocks and contracts in progress3€8k€1k▼
Stocks30/36€1k€1k=
Contracts in progress37€7k-
Amounts receivable within one year40/41€28k€35k▲
Other amounts receivable41€28k€35k▲
Cash at bank and in hand54/58€15k€15k▼
Deferred charges and accrued income490/1€1k€5k▲
Equity and liabilities
Total equity and liabilities10/49€94k€62k▼
Equity10/15€57k€54k▼
Contributions10/11€8k€8k=
Outside capital11€8k€8k=
Other1109/19€8k€8k=
Reserves13€36k€36k=
Distributable reserves133€36k€36k=
Profit (loss) carried forward14€13k€11k▼
Amounts payable17/49€37k€7k▼
Amounts payable after more than one year17€20k-
Financial debts170/4€20k-
Amounts payable within one year42/48€17k€7k▼
Current portion of amounts payable after more than one year42€13k-
Financial debts43-€3k
Credit institutions430/8-€3k
Trade debts44€4k€4k▲
Suppliers440/4€4k€4k▲
Taxes, remuneration and social security45€610€610=
Taxes450/3€610€610=
Income statement
Code20242025
Non-recurring operating income76A-€1k
Goods, raw materials, services and sundry goods60/61€171k€165k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€9k▼
Other operating charges640/8€3k€6k▲
Gross operating margin9900€33k€16k▼
Operating profit (loss)9901€9k€2k▼
Financial income75/76B€0€6▲
Recurring financial income75€0€6▲
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€7k€-1k▼
Income taxes67/77€3k€1k▼
Profit (loss) for the period9904€5k€-2k▼
Profit (loss) for the period to be appropriated9905€5k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€17k€11k▼
Profit (loss) brought forward from the previous period14P€13k€13k=
Transfer to equity691/2€5k-
To other reserves6921€5k-
The notes to these accounts (7 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity doublescurrent ratio 7.58
Current ratio from 3.05 to 7.58; short-term debt falls from €17k to €7k.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €17k ▲424%
Operating result €24k, net result €17k, both a record.
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Back to profitnet €15k
Net result €15k after 2 loss-making years.
31-12
Financial
Liquidity times 6current ratio 4.58
Current ratio from 0.80 to 4.58; short-term debt falls from €18k to €4k.
25-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 56 days late
2019
16-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 16 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 20 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Temse · 1 establishment unit since 2008
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.
Lasserslaan 159140 TemseGround area
383 m²
Building footprint
72 m²
Volume, LiDAR
375 m³
Parcel 46025B1190/00H021, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MC SCHILDERWERKEN
since 20082.171.875.926
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46025B1190/00H021 | Flanders | 383 m² | 1 · 72 m² | 8.0 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.
Similar companies · same sector, comparable size
VLF - renovatiewerken
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MARA PEINTURE
BE 1007.646.292
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DT Decor BV
BE 0754.434.722
Zwevegem · Eq €54,505
Laurent BOULANGER
BE 0681.469.144
Stavelot · Eq €54,328
RJ Schilderwerken
BE 0667.513.022
Lint · Eq €54,576
Of 7,861 companies in sector 43341 we hold annual accounts for 2,663. 2,322 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
Founded26-05-2008
Fiscal year end31-12
Activities, NACEBEL 2025
43341Painting of buildings
42110Construction of roads and motorways
43333Wallpapering and laying of floor and wall coverings in other materials
43422Screed work
43910Bricklaying and masonry work
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.