Turnover
≈ €120,000 estimated
The micro format states no turnover.
MC Web
Overview
Lifetime
3 annual accounts with figures on one time axispeak €44,200 (2025)
€44,200▲ 13.4%
lowest -€1,851 (2023)
€34,017▲ 13.2%
peak €64,203 (2025)
€64,203▲ 113%
€18,359▲ 30.4%
Board1 name since 2023
1 directorCLAES Myrthe Lif Armand
Documentsfilings and deeds
15-07-202616 days before the deadline
2025micro format
Gross margin from €38,965 to €44,200Equity from €30,186 to €64,203Debts from €14,078 to €18,359Cash from €36,699 to €74,716
Key points
from the 2025 annual accountsLiquidity
4.43 was 2.98 in 2024
Short-term debts rose from €14,078 to €18,359.
Starting capital
€2,000 100 shares
Checked score
99
Excellent
Financially stronger than 88% of micro companies in advertising and market research (NACE 73)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 11,228 companies (NACE 73, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2025: 0.4%
02-2025: 0.4%● unchanged vs 01-2025
03-2025: 0.4%● unchanged vs 02-2025
04-2025: 0.4%● unchanged vs 03-2025
05-2025: 0.4%● unchanged vs 04-2025
06-2025: 0.4%● unchanged vs 05-2025
07-2025: 0.4%● unchanged vs 06-2025highest value
08-2025: 0.1%▼ -0.3 percentage points 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 06-2026
08-2026: 0.1%● unchanged vs 07-2026lowest value
09-2026: 0.1%● unchanged vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2023
lowers risk
Liquidity: current ratio 4.43, cash €74,716
Sector: Advertising, market research and public relations activities (NACE 73)
Equity €64,203 (77.8% of total assets)
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 73, micro). It does better than 87% of them on solvency, 86% on liquidity, 88% on profitability and 92% on growth.
The bankruptcy probability was computed on 08-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as MC Web has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of MC Web itself is lower: 0.1% within 12 months. It rests on far more data about MC Web than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for MC Web. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €6,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity is ample, with a current ratio of 4.43 (2.98 in 2024), above the usual 1.5. Short-term debt is 22.2% and cash 90.5% of total assets. 22.2% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 15-07-2026, 16 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
16 days early
2024
18 days early
2023
6 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 13 days before the deadline. In the sector (NACE 73), the median for financial year 2024 was 6 days before the deadline, and 36% 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 15 July (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1003333554
Incorporation
Founding capital of €2,000, 100 shares · Founder: CLAES Myrthe Lif Armand · Appointment: CLAES Myrthe Lif Armand (director) · published on 15-12-2023 · Gazette deed
First establishment
Zuid-Australiëlaan 39, Lier
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| MC Web Lier | €82,562 | €44,200 | 77.8% | - |
| BEAR DIGITAL Balen | €86,597 | €37,731 | 88.1% | - |
| Jazzy Antwerp | €87,745 | €40,443 | 86.7% | - |
| WWM Bornem | €73,186 | €34,430 | 76.8% | - |
| OG Consult Mortsel | €66,974 | €38,154 | 73.3% | - |
| PROJETXION Wavre | €73,031 | €39,858 | 61.8% | - |
| MarCoom Aarschot | €96,006 | €45,390 | 64.4% | - |
These companies have the same main activity as MC Web: advertising agencies (NACE 73110). They are comparable in size and age: total assets between €67,000 and €96,000, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 13-12-2023Normal situation
- Activity
- Advertising agenciesNACE 73110and 2 others
- Establishment unit
- 2.353.037.9752500 Lier, since 13-12-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 17-11-2025
Annual accounts 2025
- €44,200▲ 13.4%
- €34,017▲ 13.2%
- €64,203▲ 113%
- €82,562▲ 86.5%
- Filing
- Filed on 15-07-2026, 16 days before the end of the filing period
Insights on MC Web
MC Web files the micro format. That format states no turnover. The gross margin rose from -€1,530 in 2023 to €44,200 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 15-07-2026, 16 days before the deadline€44,200
▲ 13.4%
€42,761
▲ 14.1%
€34,017
▲ 13.2%
€62,941
▲ 126%
77.8%
▲ 9.6 percentage points
4.43
▲ 1.45
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €120,000. Estimated: probably between €82,000 and €160,000.
Balance sheet
balance sheet total €82,562 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
77.8%
Higher than 75% of 8,614 companies in 2025.
4.43
Higher than 75% of 8,290 companies in 2025.
41.2%
Higher than 86% of 8,399 companies in 2025.
MC Web
Middle half of the sector
80% of the sector
Micro accounts in advertising and market research (NACE 73)
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
82,562 | 44,263 | 2,315 | |
21/28 |
1,262 | 2,380 | - | |
22/27 |
1,262 | 2,380 | - | |
24 |
1,262 | 2,380 | - | |
29/58 |
81,300 | 41,884 | 2,315 | |
40/41 |
6,585 | 5,185 | 315 | |
40 |
6,585 | 5,185 | - | |
41 |
- | 0 | 315 | |
54/58 |
74,716 | 36,699 | 2,000 | |
| Balance sheet: equity and liabilities | ||||
10/49 |
82,562 | 44,263 | 2,315 | |
10/15 |
64,203 | 30,186 | 149 | |
10/11 |
2,000 | 2,000 | 2,000 | |
13 |
62,203 | 28,186 | - | |
133 |
62,203 | 28,186 | - | |
14 |
- | 0 | -1,851 | |
17/49 |
18,359 | 14,078 | 2,167 | |
42/48 |
18,359 | 14,078 | 2,167 | |
45 |
11,393 | 9,234 | - | |
450/3 |
11,393 | 9,234 | - | |
47/48 |
6,966 | 4,844 | 2,167 | |
| Income statement | ||||
9900 |
44,200 | 38,965 | -1,530 | |
630 |
1,118 | 974 | - | |
640/8 |
320 | 519 | 321 | |
9901 |
42,761 | 37,473 | -1,851 | |
75/76B |
21 | 24 | - | |
75 |
21 | 24 | - | |
65/66B |
73 | 67 | 0 | |
65 |
73 | 67 | 0 | |
9903 |
42,710 | 37,429 | -1,851 | |
67/77 |
8,693 | 7,392 | - | |
9904 |
34,017 | 30,037 | -1,851 | |
9905 |
34,017 | 30,037 | -1,851 | |
| Appropriation of the result | ||||
9906 |
34,017 | 28,186 | -1,851 | |
14P |
0 | -1,851 | - | |
691/2 |
34,017 | 28,186 | - | |
6921 |
34,017 | 28,186 | - | |
| Document | ||||
The notes to these accounts have 4 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 15-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankSubsidies and aid
Flemish government 2025, 1 entry, €223 awarded, €223 paid
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| 43,879 | 38,446 | - | ||
| 35,135 | 31,011 | - | ||
| 0 | 3,353 | - | ||
| 38,017 | 34,699 | - | ||
| 62,941 | 27,806 | 149 | ||
| 77.8% | 68.2% | - | ||
| 4.43 | 2.98 | - | ||
| 0.29 | 0.47 | - | ||
| 53.0% | 99.5% | - | ||
| 41.2% | 67.9% | - | ||
| over 100 | over 100 | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 |
|---|---|---|---|
| Tangible fixed assets | - | €3,353 | - |
| €1,118 | €974 | - |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Insights on MC Web
The operating result for 2025 is 14% higher than in 2024 and the highest since 2023. It is the second rise in a row.
Debt's share of the balance-sheet total falls from 31.8% to 22.2%. Equity and debt are higher.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 15-12-2023
term without a fixed end
listed in the 2025 annual accounts, filed on 15-07-2026
Mandates through the years
1 name, the dashed line is todayCLAES Myrthe Lif Armand
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- CLAES Myrthe Lif Armand
- Director (not named in the articles), appointed by deed of 15-12-2023, still in office
Control
Capital
- Contribution
- €2,000
- Shares
- 100
- Contribution per share
- €20
- Equity per share
- €642 in 2025
- Source
- deed of 15-12-2023
Articles of association
deed of 15-12-2023 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Thursday of June at 18:00
Founder
At incorporation
deed of 15-12-2023 ↗
- CLAES Myrthe Lif Armand sole founder · 100% at incorporation
Network & group
No group
MC Web has no parent and no holdings in its annual accounts. CLAES Myrthe Lif Armand is the only director. MC Web shares no director with another company.
Timeline
Timeline
9 events since 2023Filings
Financial
Establishments
2023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 16 days before the deadline
2025
Highest result from 2023 to 2025 net €34,017 ▲13.2% The operating result of €42,761 and the net result of €34,017 are both a record.
Registered in the Peppol Directory Reachable for e-invoices through 0208:1003333554
Annual accounts 2024 filed PDFmicro format · 18 days before the deadline
2024
Back to profit net €30,037 The net result is €30,037, after one loss-making year.
Liquidity more than doubled current ratio 2.98 The current ratio rises from 1.07 to 2.98.
Annual accounts 2023 filed PDFmicro format · 6 days before the deadline
2023
IncorporationFounding capital of €2,000, 100 shares · Founder: CLAES Myrthe Lif Armand · Appointment: CLAES Myrthe Lif Armand (director) · published on 15-12-20236 points ▸
- Founder, CLAES Myrthe Lif Armand
- Founding capital, €2,000, 100 shares
- Registered office clause, Zuid-Australiëlaan 39, 2500 Lier
- Board rule, 1
- Director appointment, CLAES Myrthe Lif Armand (director (not named in the articles))
- Permanent representative, CLAES Myrthe Lif Armand
- The deed holds 1 more point.
First establishment Zuid-Australiëlaan 39, Lier
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
MC Web was incorporated on 13 December 2023 as a private limited company by one natural person, with a starting capital of €2,000.12 CLAES Myrthe Lif Armand is director of the company, appointed by deed of 15-12-2023.2 Total assets rose from €2,315 in 2023 to €82,562 in 2025.3
Company details
Identity
- Enterprise number
- 1003.333.554
- VAT number
- BE 1003.333.554
- Peppol ID
- 0208:1003333554
- Other Peppol ID
- 9925:BE1003333554
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 13-12-2023
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Thursday of June at 18:00deed of 15-12-2023 (in Dutch)
- Peppol
- Reachable since 17-11-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- MC Web in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 15-12-2023 (in Dutch)
- Name clauseThe company operates under this name according to its articles.
- MC Webdeed of 15-12-2023 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 15-12-2023 (in Dutch)
Activities
NACEBEL 202573110
Advertising agencies main activity
62100
Computer programming
Codes under NACEBEL 2008
73110
Advertising, market research and public relations activities main activity
62010
Computer programming, consultancy and related activities
74103
Other professional, scientific and technical activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Alle welk danige verrichtingen die rechtstreeks of onrechtstreeks,geheel of gedeeltelijk betrekking hebben op management en consultancy in…”deed of 15-12-2023 (in Dutch)
28 activities
- Alle welk danige verrichtingen die rechtstreeks of onrechtstreeks,geheel of gedeeltelijk betrekking hebben op management en consultancy in de meest ruime betekenis van het woord,omvattend- doch geenszins beperkt tot- het uitvoeren van alle studies en onderzoeken alsmede het verlenen van alle adviezen en alle bijstand inzake het geheel of enig deelaspect van het bestuur,directie,de controle en de vereffening van vennootschappen,ondernemingen,bedrijvigheden en verenigingen zonder onderscheid.
- Het optreden als studie-,organisatie-,raadgevend en beherend bureau inzake zowel de in onderhavig artikel vermelde aangelegenheden,als inzake financiële,handels-,operationele-,fiscale of sociale aangelegenheden,zowel ten behoeve van vennootschappen,ondernemingen,bedrijvigheden,openbare besturen,verenigingen en particulieren.
- Digital marketing agency in de ruimste zin van het woord waarbij voornamelijk wordt gefocust op advertenties via social media;
- E-commerce in de ruimste zin van het woord;
- Content creation in de ruimste zin van het woord;
- Activiteiten als social media influencer;
- Het uitvoeren van alle studies en onderzoek,het verrichten van marktonderzoek,promotie,raadgeving,marketing,assistentie op het gebied van social media,management,engineering en consulting;
- Het beheer van websites,het onderhoud en de ontwikkeling hiervan;
- Het maken en promoten van foto’s en andere grafische beeldvorming voor bedrijven,particulieren of andere geïnteresseerden;
- Alle fotografische prestaties die enigszins verband houden met grafische beeldvorming,o.a. ten behoeve van websites,drukwerk en ander promotie en/of informatiemateriaal;
- Uitwerken van allerhande foto- en communicatieconcepten;
- Alle koop en verkoop van auteursrechten,handel in visuele producties of producten;
- Het beheer van computerfaciliteiten en datacenters;
- Groot- en kleinhandel van communicatieproducten;
- Handel in goederen in de technologische sector van allerlei aard;
- Het ontwerpen en programmeren van computerprogramma’s,computerconsultancy-activiteiten en aanverwante activiteiten;
- Verkoop en verhuur van soft- en hardware;
- Fotogrammetrie,maken van orthofoto’s met drones,
- Het uitvoeren van dronevluchten in opdracht van derden.
- Coaching in de ruimste zin van het woord;
- Het nemen van participaties in ondernemingen,al dan niet Belgische,in alle sectoren van de industrie,handel of diensten. Dit omvat onder meer kapitaalverschaffing aan bestaande of nog op te richten vennootschappen of ondernemingen en ook investeringen in toekomstgerichte projecten met hogere risicograad. De vennootschap kan participaties verwerven door aankoop of enige andere rechtsgeldige wijze van verwerving. Zij kan haar participaties beheren,valoriseren en ten gelde maken.
- Het waarnemen van bestuurs- en vereffeningsmandaten in om Belgische of buitenlandse,reeds bestaande of nog op te richten vennootschap. Zij mag het bestuur en de vereffening waarnemen in alle vennootschappen waarmee rechtstreeks of onrechtstreeks een band van deelneming bestaat,of die verwant zijn met haar aandeelhouders of bestuurders. Meer in het bijzonder kan de vennootschap ondernemingen waarin zij participeert of onrechtstreeks belang bij heeft,mee besturen en toezicht uitoefenen op de bedrijfsvoering teneinde de ontwikkeling en de realisatie van het maatschappelijk doel van deze ondernemingen te stimuleren en te coördineren.
- Het toestaan van leningen en kredietopeningen aan vennootschappen of particulieren onder om het even welke vorm,het borg stellen of aval verlenen in de meest ruime zin,het dekken van risico’s voortspruitend uit schommelingen van de wisselkoersen en intrestvoeten,kortom: het verrichten van alle handels- en financiële operaties behalve die wettelijk voorbehouden zijn aan de houders van deposito’s op korte termijn,spaarkassen,hypotheekmaatschappijen en kapitalisatieondernemingen.
- Meer in het bijzonder kan de vennootschap alle leningen,van gelijke welke vorm (onder andere onder vorm van converteerbare obligatieleningen) en voor gelijk welke duur toestaan de vennootschappen waarmee rechtstreeks of onrechtstreeks een band van deelneming bestaat,of persoonlijk of zakelijke zekerheden voor deze vennootschappen.
- De uitbouw van een roerend patrimonium,het beleggen of wederbeleggen van alle beschikbare middelen onder welke vorm ook,onder andere door het participeren door middel van fusie,inschrijving,deelname of verkrijging van aandelen,in alle bestaande of nog op te richten Belgische of buitenlande vennootschappen,het aankopen van aandelen in alle bestaande of nog op te richten Belgische of buitenlandse vennootschappen,het aankopen van obligaties of kasbons,en dergelijke,en het beheer van deze roerende waarden.
- Het beheer van een onroerend patrimonium zowel in volle eigendom,vruchtgebruik als blote eigendom als onder de vorm van alle andere onroerende zakelijke rechten zoals onder meer erfpacht- en opstalrechten. Onder het beheer wordt verstaan: de aankoop,(onder)verhuring,leasing,uitrusting,inrichten,uitbaten,verbouwen,gratis ter beschikking stelling en vervreemding,als ook het verschaffen van voordelen aan haar zaakvoerders of vennoten om de werking van de vennootschap te bevorderen.
- Het verlenen van financiële,administratieve,commerciële,juridische fiscale,technische en consultatieve bijstand aan ondernemingen en natuurlijke personen,en het uitvoeren van alle hiertoe strekkende handelstransacties verrichtingen,inclusief het verlenen van voorschotten,overname van vorderingen,intekenen op obligaties,waarborgverstrekking,verlenen van managementadvies en aanverwante verrichtingen,en dit zelfs zonder enige participatie in het maatschappelijk kapitaal van de bedoelde personen en ondernemingen te hebben.
- Het ontwikkelen en kopen,verkopen,beheer,valoriseren,in licentie nemen of geven van brevetten,octrooien,know-how en andere intellectuele rechten.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Zuid-Australiëlaan 39 registered office 2500 Lier | 13-12-2023 | 2.353.037.975 |
Buildings and parcels at the address
- Ground area
- 265 m²
- Buildings
- 79 m²
- Volume, LiDAR
- 589 m³
- Tallest building
- 9.4 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 12393F0311/00A005 | 265 m² | 1 · 79 m² | 9.4 m · 3 |