MCCL CONCEPT
ActiveMCCL CONCEPT has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23k and a net result of €12k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 31% of 4622 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
46
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▲+3
Solvency29▲+2
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.04 against 0.02 in 2024; short-term debt: 96.4% and cash: 3.2% of total assets), and 96.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
3.6%
Return on assets
1.9%
Age of the figures
15 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €23k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 07-01-2026, 24 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
24 d early
2024
23 d early
2023
15 d early
2022
19 d early
2021
12 d early
2020
24 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€23k▲ 111%
2024 · €11k
2020: €14k
2021: €14k
2022: €10k
2023: €13k
2024: €11k
2020 → 2025
Total assets
€649k▲ 1.5%
2024 · €639k
2020: €412k
2021: €406k
2022: €369k
2023: €355k
2024: €639k
2020 → 2025
Net result
€12k
2024 · €-2k
2020: €-4k
2021: €-316
2022: €-3k
2023: €3k
2024: €-2k
2020 → 2025
Working capital
€-600k▲ 1.9%
2024 · €-611k
2020: €-155k
2021: €-154k
2022: €-350k
2023: €-319k
2024: €-611k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€14k-€10k▼ 24.0%€13k▲ 27.9%€11k▼ 18.4%€23k▲ 111%
Operating result€-20k-€-5k▲ 77.0%€3k€-1k€14k
Net result€-316-€-3k▼ 949%€3k€-2k€12k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €14k after a loss of €1k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €649k
Fixed assets
€624k▼ 0.4%
Current assets
€25k▲ 93.9%
Equity and liabilities €649k
Equity
€23k▲ 111%
Debt
€626k▼ 0.4%
The debt ratio falls from 98.3% to 96.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€44k▲
2024 · €36k
Cash flow
€42k▲
2024 · €35k
Solvency
3.6%▲
2024 · 1.7%
Current ratio
0.04▲
2024 · 0.02
Quick ratio
0.04▲
2024 · 0.02
Debt / equity
27.11▼
2024 · 57.36
ROE
52.5%▲
2024 · -22.6%
ROA
1.9%▲
2024 · -0.4%
Interest coverage
36.86▲
2024 · 20.74
Debt
€626k▼
2024 · €628k
Debt ≤ 1 year
€625k▲
2024 · €624k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€639k€649k▲
Formation expenses20€0€0=
Fixed assets21/28€626k€624k▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€626k€624k▼
Land and buildings22€498k€477k▼
Plant, machinery and equipment23€19k€15k▼
Furniture and vehicles24€6k€6k▲
Assets under construction and advance payments27€103k€126k▲
Financial fixed assets28€250€250=
Current assets29/58€13k€25k▲
Stocks and contracts in progress3€625€275▼
Stocks30/36€625€275▼
Amounts receivable within one year40/41€2k€4k▲
Trade receivables40€2k€4k▲
Other amounts receivable41€83-
Cash at bank and in hand54/58€9k€21k▲
Deferred charges and accrued income490/1€2k€350▼
Equity and liabilities
Total equity and liabilities10/49€639k€649k▲
Equity10/15€11k€23k▲
Contributions10/11€19k€19k=
Reserves13-€2k
Distributable reserves133-€2k
Profit (loss) carried forward14€-8k€3k▲
Amounts payable17/49€628k€626k▼
Amounts payable after more than one year17€4k-
Financial debts170/4€4k-
Amounts payable within one year42/48€624k€625k▲
Current portion of amounts payable after more than one year42€15k€4k▼
Trade debts44€517€229▼
Suppliers440/4€517€229▼
Taxes, remuneration and social security45-€1k
Taxes450/3-€1k
Other amounts payable47/48€609k€620k▲
Accrued charges and deferred income492/3-€532
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€30k▼
Other operating charges640/8€3k€4k▲
Gross operating margin9900€40k€47k▲
Operating profit (loss)9901€-1k€14k▲
Financial income75/76B€605-
Recurring financial income75€605-
Non-recurring financial income76B€605-
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Non-recurring financial charges66B-€275
Profit (loss) for the period before taxes9903€-2k€12k▲
Profit (loss) for the period9904€-2k€12k▲
Profit (loss) for the period to be appropriated9905€-2k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€4k▲
Profit (loss) brought forward from the previous period14P€-5k€-8k▼
Transfer to equity691/2-€2k
To the legal reserve6920-€2k
The notes to these accounts (10 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
07-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
08-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
16-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Back to profitnet €3k
Net result €3k after 3 loss-making years.
12-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
19-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
07-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Amel · 1 establishment unit since 2019
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.
Montenau,Am Bahnhof 124770 Amel1 establishment unit
MCCL Concept
since 20192.286.558.234
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Of 6,711 companies in sector 96230 we hold annual accounts for 629. 468 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-03-2019
Fiscal year end30-06
Activities, NACEBEL
96040Personal service activities
96230Day spas, saunas and steam baths
68203Renting and operating of own or leased non-residential real estate, excluding land
86909Human health activities
86995Nutrition and dietetics services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filings
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.