Financials
- Fiscal year
- 2025
- Total assets
- €18,998
- Profit
- €9,168
- Solvency
- 53.5%
MCA INSTAL
ActiveSummary
The computed 12-month bankruptcy probability of MCA INSTAL is 2.8% (moderate). The 2025 annual accounts show equity of €10,168 and a net result of €9,168. Its solvency ranks better than 57% of 33831 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Other specialised construction activities
NACE 43990NACE 43999
1 site
Size
€18,998total assets 2025
- Equity
- €10,168
- Profit
- €9,168
Turnover not published (abridged schema)
Structure
Accounts filed 53 d late0 of 1 deed read
Why 52- Founded in 2024- Size: total assets €18,998- Latest accounts 53 days late; 1 of the last 3 late- Sector Specialised construction activities (NACE 43)Show the evidence
Checked score
Score 2025
52
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 58% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength
Strong
Solvency
79
equity 53.5% of total assets
Liquidity
34
short-term debt 46.5% · cash 5.3%
Profitability
100
return on assets 48.3%
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
10-2025: 2.0%lowest value
11-2025: 2.0%▲ +2.6% vs 10-2025
12-2025: 2.4%▲ +18.9% vs 11-2025
01-2026: 2.5%▲ +5.2% vs 12-2025
02-2026: 2.8%▲ +11.9% vs 01-2026
03-2026: 2.8%● 0.0% vs 02-2026
04-2026: 3.1%▲ +10.2% vs 03-2026
05-2026: 3.2%▲ +1.8% vs 04-2026
06-2026: 3.1%▼ -3.0% vs 05-2026
07-2026: 3.1%▲ +0.2% vs 06-2026
08-2026: 3.3%▲ +7.2% vs 07-2026
09-2026: 3.4%▲ +4.1% vs 08-2026highest value
10-2026: 2.8%▼ -17.2% vs 09-2026
- Founded in 2024 raises the probability for this profile
- Size: total assets €18,998 raises the probability for this profile
- Latest accounts 53 days late; 1 of the last 3 late raises the probability
- Sector Specialised construction activities (NACE 43) raises the probability
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.15; short-term debt: 46.5% and cash: 5.3% of total assets), and 46.5% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 58%, liquidity 22%, profitability 93%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-09-2026, 53 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 · 1 filingDeviation from the deadline
2025
53 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
- 22-09-2026Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Other specialised construction activitiesNACE 43990
- Founded
- 04-09-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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