MCGUY
ActiveSummary
MCGUY has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€1,658) and a net result of -€3,277. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 8% of 9511 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency13▼-20
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 2.0 against 1.66 in 2024; short-term debt: 41.3% and cash: 20.3% of total assets), but equity is negative.
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Signals
Five 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 71
Relative position
BE, all sectors
reference
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← 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
-12%
Return on assets
-23.6%
Age of the figures
12 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 -€1,658
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 17-03-2026, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
44 d early
2024
4 d early
2023
1 d early
2022
2 d early
2021
5 d early
2020
32 d early
2019
36 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 18 days before the deadline; the sector median for financial year 2024 is 8 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
26-09-2026 today30-09-2026 close30-04-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Financials · fiscal year 2025, micro schema
Equity
-€1,658
2024 · €1,620
Total assets
€13,867▼ 34.9%
2024 · €21,301
Net result
-€3,277▲ 27.4%
2024 · -€4,513
Working capital
€5,702▲ 12.4%
2024 · €5,072
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€18,502▲ 34.2%€2,149€2,976▲ 38.5%-€3,926-€2,728▲ 30.5%
Net result-€18,991▲ 33.5%€1,587€2,498▲ 57.4%-€4,513-€3,277▲ 27.4%
Equity€2,049▼ 90.3%€3,635▲ 77.5%€6,133▲ 68.7%€1,620▼ 73.6%-€1,658
Total assets€20,819▼ 45.0%€20,187▼ 3.0%€25,647▲ 27.0%€21,301▼ 16.9%€13,867▼ 34.9%
Debt€18,771▲ 11.8%€16,552▼ 11.8%€19,515▲ 17.9%€19,681▲ 0.9%€15,525▼ 21.1%
Working capital-€6,405-€1,535▲ 76.0%€4,012€5,072▲ 26.4%€5,702▲ 12.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2,728 in 2025 against €3,926 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €13,867
Fixed assets
€2,441 ▼ 71.2%
Current assets
€11,426 ▼ 10.8%
Key figures and ratios
EBITDA
-€2,055▼
2024 · -€1,490
Cash flow
-€2,604▼
2024 · -€2,076
Solvency
-12.0%▼
2024 · 7.6%
Current ratio
2.00▲
2024 · 1.66
Debt to equity
-9.37▼
2024 · 12.15
ROA
-23.6%▼
2024 · -21.2%
Interest coverage
-8.37▼
2024 · -4.21
Debt ≤ 1 year
€5,724▼
2024 · €7,741
Debt > 1 year
€9,801▼
2024 · €11,940
Income taxes
€307▲
2024 · €237
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,885 | €2,256 | €1,952 | €2,436 | €673 | ▼ 72.4% |
| Other operating charges640/8 | €1,353 | €2,002 | €1,901 | €1,962 | €3,578 | ▲ 82.4% |
| Gross operating margin9900 | -€10,264 | €6,407 | €6,829 | €472 | €1,523 | ▲ 223% |
| Operating profit (loss)9901 | -€18,502 | €2,149 | €2,976 | -€3,926 | -€2,728 | ▲ 30.5% |
| Financial income75/76B | €0 | - | - | €5 | €3 | ▼ 28.9% |
| Recurring financial income75 | €0 | - | - | €5 | €3 | ▼ 28.9% |
| Financial charges65/66B | €273 | €330 | €247 | €354 | €245 | ▼ 30.6% |
| Recurring financial charges65 | €273 | €330 | €247 | €354 | €245 | ▼ 30.6% |
| Profit (loss) for the period before taxes9903 | -€18,774 | €1,818 | €2,729 | -€4,275 | -€2,970 | ▲ 30.5% |
| Income taxes67/77 | €216 | €232 | €231 | €237 | €307 | ▲ 29.3% |
| Profit (loss) for the period9904 | -€18,991 | €1,587 | €2,498 | -€4,513 | -€3,277 | ▲ 27.4% |
| Profit (loss) for the period to be appropriated9905 | -€18,991 | €1,587 | €2,498 | -€4,513 | -€3,277 | ▲ 27.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €20,819 | €20,187 | €25,647 | €21,301 | €13,867 | ▼ 34.9% |
| Fixed assets21/28 | €12,511 | €10,255 | €10,925 | €8,488 | €2,441 | ▼ 71.2% |
| Tangible fixed assets22/27 | €12,401 | €10,145 | €10,815 | €8,378 | €2,331 | ▼ 72.2% |
| Land and buildings22 | €11,407 | €9,495 | €7,583 | €5,671 | €149 | ▼ 97.4% |
| Plant, machinery and equipment23 | - | - | €2,581 | €2,057 | €1,533 | ▼ 25.5% |
| Furniture and vehicles24 | €994 | €650 | €650 | €650 | €650 | = |
| Financial fixed assets28 | €110 | €110 | €110 | €110 | €110 | = |
| Current assets29/58 | €8,308 | €9,932 | €14,723 | €12,813 | €11,426 | ▼ 10.8% |
| Amounts receivable within one year40/41 | €605 | €2,528 | €6,793 | €5,698 | €6,963 | ▲ 22.2% |
| Trade receivables40 | €605 | €1,390 | €2,914 | €1,584 | €4,270 | ▲ 170% |
| Other amounts receivable41 | €0 | €1,138 | €3,879 | €4,114 | €2,693 | ▼ 34.6% |
| Cash at bank and in hand54/58 | €6,396 | €5,952 | €6,498 | €5,624 | €2,810 | ▼ 50.0% |
| Deferred charges and accrued income490/1 | €1,306 | €1,451 | €1,432 | €1,491 | €1,653 | ▲ 10.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €20,819 | €20,187 | €25,647 | €21,301 | €13,867 | ▼ 34.9% |
| Equity10/15 | €2,049 | €3,635 | €6,133 | €1,620 | -€1,658 | ▼ 202% |
| Contributions10/11 | €12,397 | €12,397 | €12,397 | €12,397 | €12,397 | = |
| Reserves13 | €8,642 | €8,642 | €8,642 | €8,642 | €8,642 | = |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €1,859 | €0 | - | - |
| Reserves not available under the articles1311 | €1,859 | €1,859 | €1,859 | €0 | - | - |
| Tax-exempt reserves132 | €5,000 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Distributable reserves133 | €1,783 | €1,783 | €1,783 | €3,642 | €3,642 | = |
| Profit (loss) carried forward14 | -€18,991 | -€17,404 | -€14,906 | -€19,419 | -€22,697 | ▼ 16.9% |
| Amounts payable17/49 | €18,771 | €16,552 | €19,515 | €19,681 | €15,525 | ▼ 21.1% |
| Amounts payable after more than one year17 | €4,058 | €5,085 | €8,803 | €11,940 | €9,801 | ▼ 17.9% |
| Financial debts170/4 | €0 | - | - | - | - | - |
| Other amounts payable178/9 | €4,058 | €5,085 | €8,803 | €11,940 | €9,801 | ▼ 17.9% |
| Amounts payable within one year42/48 | €14,712 | €11,466 | €10,711 | €7,741 | €5,724 | ▼ 26.1% |
| Current portion of amounts payable after more than one year42 | €3,047 | €0 | €3,344 | €509 | €505 | ▼ 0.8% |
| Financial debts43 | €0 | - | - | - | - | - |
| Credit institutions430/8 | €0 | - | - | - | - | - |
| Trade debts44 | €5,059 | €4,770 | €7,367 | €7,084 | €5,010 | ▼ 29.3% |
| Suppliers440/4 | €5,059 | €4,770 | €7,367 | €7,084 | €5,010 | ▼ 29.3% |
| Taxes, remuneration and social security45 | €6,606 | €6,697 | €0 | €148 | €209 | ▲ 41.0% |
| Taxes450/3 | €1,443 | €232 | €0 | €148 | €209 | ▲ 41.0% |
| Remuneration and social security454/9 | €5,163 | €6,465 | €0 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€18,991 | €1,587 | €2,498 | -€4,513 | -€3,277 | ▲ 27.4% |
| + Depreciation and write-downs630 | €6,885 | €2,256 | €1,952 | €2,436 | €673 | ▼ 72.4% |
| Operating cash flow (approximation) | -€12,106 | €3,843 | €4,450 | -€2,076 | -€2,604 | ▼ 25.4% |
| Investment in fixed assets (approximation) | - | €0 | -€2,622 | -€0 | €5,374 | ▲ 26,869,250% |
| Change in cash | - | -€444 | €545 | -€873 | -€2,814 | ▼ 222% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Back to profitnet €1,587
Net result €1,587 after 3 loss-making years.
25-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet -€28,561
Net result drops to -€28,561, the lowest in the series; recovery starts the following year.
25-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
18-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
15-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Ronse · 1 establishment unit since 1999
Ground area
886 m²
Building footprint
344 m²
Volume, LiDAR
3,317 m³
Parcel 45423E0863/00F000, Flanders · tallest building 13.9 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Spillegem 20, 9600 Ronse
since 19992.091.671.871
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45423E0863/00F000 | Flanders | 886 m² | 1 · 344 m² | 13.9 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
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
AVEC STUDIO D'ARCHITECTURE
BE 1010.933.505
Liège · Eq €1,604
ARCHILAB SOCIETE CIVILE D'ARCHITECTURE
BE 0682.847.930
Saint-Nicolas · Eq €1,639
BUREAU D'ARCHITECTURE Vincent GEERINCK
BE 0885.859.824
Ouffet · Eq €1,685
BUREAU D'ARCHITECTURE VERSCHUERE
BE 0844.866.733
Ottignies-Louvain-la-Neuve · Eq €1,703
T.D. ARCHITECTURE AND AMENAGEMENT GROUP
BE 0898.927.308
Evere · Eq €1,540
Of 18,249 companies in sector 71111 we hold annual accounts for 6,320. 882 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded07-06-1999
Fiscal year end30-09
Activities, NACEBEL 2025
71111Activities of building architects
Scores and ratios are computed by Checked and are not a credit decision.