MCA PARTNERS CONCEPT
ActiveSummary
The computed 12-month bankruptcy probability of MCA PARTNERS CONCEPT is 1.8% (moderate). The 2025 annual accounts show equity of €115k and a net result of €26k. Equity is growing by ~33.1% per year across the filed fiscal years. Its solvency ranks better than 50% of 7500 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▲+5
Solvency68▲+18
Growth56=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Liquidity ample (current ratio 1.73 against 1.33 in 2024; short-term debt: 56.7% and cash: 0% of total assets), but 56.7% 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
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
43.3%
Return on assets
9.8%
Age of the figures
16 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-05-2025 was due by 31-12-2025 and was filed on 03-04-2026, 93 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 6 filingsDeviation from the deadline
2025
93 d late
2024
10 d late
2023
54 d late
2022
10 d early
2021
33 d late
2020
14 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 31-05-2026 and is due by 31-12-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-05-2026 close25-09-2026 today31-12-2026 deadline
Financials · fiscal year 2025, micro schema
Turnover
€454k▼ 6.5%
2020 · €486k
2020: €486k
2020 → 2021
EBIT margin
5.7%▲ 4.1pp
2020 · 1.6%
2020: 1.6%
2020 → 2021
Net result
€26k▲ 26.5%
2024 · €20k
2020: €5k
2021: €18k
2022: €24k
2023: €14k
2024: €20k
2020 → 2025
Working capital
€109k▲ 26.1%
2024 · €87k
2020: €11k
2021: €29k
2022: €53k
2023: €67k
2024: €87k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€454k-
Equity€30k-€54k▲ 79.5%€68k▲ 26.5%€89k▲ 30.0%€115k▲ 29.2%
Operating result€26k-€32k▲ 24.6%€19k▼ 41.1%€28k▲ 47.3%€39k▲ 39.1%
Net result€18k-€24k▲ 29.6%€14k▼ 40.2%€20k▲ 43.2%€26k▲ 26.5%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 39% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €265k
Fixed assets
€5k ▲ 157%
Current assets
€260k ▼ 26.2%
Equity and liabilities €265k
Equity
€115k ▲ 29.2%
Debt
€150k ▼ 43.3%
Debt's share of the balance-sheet total falls from 74.9% to 56.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€41k▲
2024 · €30k
Cash flow
€28k▲
2024 · €22k
Current ratio
1.73▲
2024 · 1.33
Debt to equity
1.31▼
2024 · 2.99
ROE
22.6%▼
2024 · 23.1%
ROA
9.8%▲
2024 · 5.8%
Interest coverage
12.72▼
2024 · 18.10
Debt ≤ 1 year
€150k▼
2024 · €265k
Income taxes
€10k▲
2024 · €6k
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€354k€265k▼
Fixed assets21/28€2k€5k▲
Tangible fixed assets22/27€2k€2k▼
Furniture and vehicles24€2k€2k▼
Financial fixed assets28-€4k
Current assets29/58€352k€260k▼
Amounts receivable within one year40/41€321k€260k▼
Trade receivables40€263k€201k▼
Other amounts receivable41€58k€59k▲
Cash at bank and in hand54/58€31k€40▼
Equity and liabilities
Total equity and liabilities10/49€354k€265k▼
Equity10/15€89k€115k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€81k€107k▲
Amounts payable17/49€265k€150k▼
Amounts payable within one year42/48€265k€150k▼
Financial debts43€2k€19k▲
Credit institutions430/8€2k€19k▲
Trade debts44€246k€115k▼
Suppliers440/4€37k€16k▼
Bills of exchange payable441€209k€100k▼
Taxes, remuneration and social security45€17k€16k▼
Taxes450/3€17k€16k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€791€516▼
Gross operating margin9900€30k€41k▲
Operating profit (loss)9901€28k€39k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€26k€36k▲
Income taxes67/77€6k€10k▲
Profit (loss) for the period9904€20k€26k▲
Profit (loss) for the period to be appropriated9905€20k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€81k€107k▲
Profit (loss) brought forward from the previous period14P€60k€81k▲
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
03-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 93 days late
2025
31-05
Financial
Highest result since 2020net €26k ▲26.5%
Operating result €39k, net result €26k, both a record.
31-05
Financial
Equity above €100kEq €115k ▲29.2%
6 profitable years in a row build equity to €115k.
10-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 10 days late
2024
23-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 54 days late
2022
21-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
02-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 33 days late
2021
14-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 14 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Asse · 1 establishment unit since 2020
Ground area
261 m²
Building footprint
201 m²
Volume, LiDAR
1,581 m³
Parcel 23002K0213/00F000, Flanders · tallest building 12.4 m, ±3 floors. Linked by address, not a title deed.
30
companies at this address
See who is registered here
1 establishment unit
MCA PARTNERS CONCEPT
since 20202.309.120.335
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23002K0213/00F000 | Flanders | 261 m² | 1 · 200 m² | 12.4 m · 3 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
IMMO BELLE
BE 0675.494.043
Bertrix · Eq €114,731
Allventi
BE 0749.862.359
Beerse · Eq €114,660
ZELE CONCEPT
BE 0733.979.501
Dilbeek · Eq €114,647
E.B. CONSTRUCTION
BE 0669.982.760
Anderlecht · Eq €114,751
FRERES SCHUL
BE 0824.972.429
Rendeux · Eq €114,751
Of 29,779 companies in sector 41001 we hold annual accounts for 16,044. 13,015 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
Founded26-12-2018
Fiscal year end31-05
Activities, NACEBEL 2025
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
81210General cleaning of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:feher.vasilecristian@yahoo.ro
Phone:0496806816