MCDL CONSULT
ActiveMCDL CONSULT has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-31k) and a net result of €-4k. Equity is shrinking by ~59.9% per year across the filed fiscal years. Its solvency ranks better than 5% of 3263 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
31
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.29 against 0.19 in 2024; short-term debt: 346.5% and cash: 14% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
-246.5%
Return on assets
-34.8%
Age of the figures
9 mo
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-31k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
84 d late
2022
59 d late
2021
31 d late
2020
31 d late
2019
91 d late
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-4k▲ 66.9%
2024 · €-13k
2018: €-540
2019: €6k
2020: €-3k
2021: €-8k
2022: €-6k
2023: €-10k
2024: €-13k
2018 → 2025
Working capital
€-31k▼ 12.2%
2024 · €-28k
2018: €23k
2019: €15k
2020: €10k
2021: €-4k
2022: €-7k
2023: €-15k
2024: €-28k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3k-€-3k€-13k▼ 332%€-27k▼ 98.8%€-31k▼ 16.5%
Operating result€-7k-€-6k▲ 18.3%€-10k▼ 58.3%€-13k▼ 34.9%€-4k▲ 67.7%
Net result€-8k-€-6k▲ 21.2%€-10k▼ 58.5%€-13k▼ 28.6%€-4k▲ 66.9%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2025 against €13k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €13k
Fixed assets
€152▼ 86.7%
Current assets
€12k▲ 88.3%
Key figures and ratios
EBITDA
€-3k▲
2024 · €-12k
Cash flow
€-3k▲
2024 · €-12k
Solvency
-246.5%▲
2024 · -343.6%
Current ratio
0.29▲
2024 · 0.19
Quick ratio
0.29▲
2024 · 0.19
Debt / equity
-1.41▼
2024 · -1.29
ROA
-34.8%▲
2024 · -170.8%
Interest coverage
-15.10▲
2024 · -96.82
Debt
€43k▲
2024 · €34k
Debt ≤ 1 year
€43k▲
2024 · €34k
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€8k€13k▲
Fixed assets21/28€1k€152▼
Tangible fixed assets22/27€1k€152▼
Furniture and vehicles24€1k€152▼
Current assets29/58€7k€12k▲
Amounts receivable within one year40/41€4k€11k▲
Trade receivables40€2k€7k▲
Other amounts receivable41€2k€4k▲
Cash at bank and in hand54/58€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€8k€13k▲
Equity10/15€-27k€-31k▼
Contributions10/11€7k€7k=
Reserves13€6k€6k=
Non-distributable reserves130/1€800€800=
Reserves not available under the articles1311€800€800=
Distributable reserves133€5k€5k=
Profit (loss) carried forward14€-40k€-44k▼
Amounts payable17/49€34k€43k▲
Amounts payable within one year42/48€34k€43k▲
Trade debts44€10k€4k▼
Suppliers440/4€10k€4k▼
Taxes, remuneration and social security45€340€3k▲
Taxes450/3€340€3k▲
Other amounts payable47/48€24k€36k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€992€992=
Other operating charges640/8€81€266▲
Gross operating margin9900€-12k€-3k▲
Operating profit (loss)9901€-13k€-4k▲
Financial charges65/66B€123€209▲
Recurring financial charges65€123€209▲
Profit (loss) for the period before taxes9903€-13k€-4k▲
Income taxes67/77€175-
Profit (loss) for the period9904€-13k€-4k▲
Profit (loss) for the period to be appropriated9905€-13k€-4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-40k€-44k▼
Profit (loss) brought forward from the previous period14P€-27k€-40k▼
The notes to these accounts (4 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
23-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 84 days late
2023
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 59 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 91 days late
2019
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
15-11
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 107 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 59 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Sint-Lambrechts-Woluwe · 1 establishment unit since 2013
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.
J.F. Debeckerlaan 1141200 Sint-Lambrechts-Woluwe1 establishment unit
M.C. Debroux-Leddet &M.C. Debroux-Leddet &
since 20132.220.080.075
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Of 944 companies in sector 69203 we hold annual accounts for 660. 104 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-06-2013
Fiscal year end31-12
Activities, NACEBEL
69203Activities of company auditors
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filings
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.