MCL
ActiveMCL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (€-300k) and a net result of €-73k. Equity is shrinking by ~40.2% per year across the filed fiscal years. Its solvency ranks better than 5% of 8570 sector peers (fiscal year 2025). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 8570 sector peers (2025).
NBB · sector comparisonPosition among 8570 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 03-05-2026, 3 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
3 d late
2024
17 d late
2023
27 d early
2022
on the day
2021
30 d late
2020
on the day
2019
17 d early
← before the deadline
after the deadline →
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
11-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-300k▼ 32.1%
2024 · €-227k
2018: €10k
2019: €-78k
2020: €-79k
2021: €-88k
2022: €-102k
2023: €-173k
2024: €-227k
2018 → 2025
Net result
€-73k▼ 34.9%
2024 · €-54k
2018: €134k
2019: €-89k
2020: €-802
2021: €-10k
2022: €-13k
2023: €-71k
2024: €-54k
2018 → 2025
Total assets
€1.23M▼ 0.1%
2024 · €1.23M
2018: €1.03M
2019: €1.09M
2020: €1.25M
2021: €1.23M
2022: €1.28M
2023: €1.24M
2024: €1.23M
2018 → 2025
Solvency
-24.3%▼ 5.9pp
2024 · -18.4%
2018: 1.0%
2019: -7.2%
2020: -6.3%
2021: -7.2%
2022: -8.0%
2023: -13.9%
2024: -18.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-88k-€-102k▼ 15.1%€-173k▼ 69.8%€-227k▼ 31.2%€-300k▼ 32.1%
Operating result€-9k-€-11k▼ 14.0%€-69k▼ 538%€-52k▲ 24.1%€-19k▲ 62.8%
Net result€-10k-€-13k▼ 39.9%€-71k▼ 433%€-54k▲ 24.0%€-73k▼ 34.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €19k in 2025 against €52k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.23M
Fixed assets
€1.15M▲ 10.1%
Current assets
€78k▼ 57.7%
Key figures and ratios
Solvency
-24.3%▼
2024 · -18.4%
ROE
24.3%▲
2024 · 23.8%
ROA
-5.9%▼
2024 · -4.4%
Debt
€1.53M▲
2024 · €1.46M
Debt ≤ 1 year
€27k▼
2024 · €235k
Debt > 1 year
€1.50M▲
2024 · €1.22M
Staff costs
€34k▲
2024 · €33k
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€1.23M€1.23M▼
Fixed assets21/28€1.05M€1.15M▲
Tangible fixed assets22/27€3k€6k▲
Plant, machinery and equipment23€2k€2k▲
Furniture and vehicles24€1k€4k▲
Financial fixed assets28€1.04M€1.15M▲
Current assets29/58€186k€78k▼
Amounts receivable after more than one year29€130k-
Other amounts receivable291€130k-
Amounts receivable within one year40/41€40k€46k▲
Trade receivables40€40k€44k▲
Other amounts receivable41€34€2k▲
Cash at bank and in hand54/58€11k€28k▲
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€1.23M€1.23M▼
Equity10/15€-227k€-300k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-247k€-320k▼
Amounts payable17/49€1.46M€1.53M▲
Amounts payable after more than one year17€1.22M€1.50M▲
Other amounts payable178/9€1.22M€1.50M▲
Amounts payable within one year42/48€235k€27k▼
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€13k€16k▲
Taxes450/3€1k€2k▲
Remuneration and social security454/9€12k€14k▲
Other amounts payable47/48€219k€9k▼
Accrued charges and deferred income492/3€1k€4k▲
Income statement
Code20242025
Non-recurring operating income76A-€15k
Remuneration, social security and pensions62€33k€34k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€9k
Other operating charges640/8€2k€2k▼
Gross operating margin9900€-15k€27k▲
Operating profit (loss)9901€-52k€-19k▲
Financial income75/76B-€48
Recurring financial income75-€48
Financial charges65/66B€2k€53k▲
Recurring financial charges65€2k€1k▼
Non-recurring financial charges66B-€52k
Profit (loss) for the period before taxes9903€-54k€-73k▼
Profit (loss) for the period9904€-54k€-73k▼
Profit (loss) for the period to be appropriated9905€-54k€-73k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-247k€-320k▼
Profit (loss) brought forward from the previous period14P€-193k€-247k▼
Social balance
Average headcount (FTE)90870.80.8=
The notes to these accounts (15 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
03-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 3 days late
2025
30-09
Financial
Liquidity quadruplescurrent ratio 2.96
Current ratio from 0.79 to 2.96; short-term debt falls from €235k to €27k.
17-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 17 days late
2024
03-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
13-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Weakest financial yearnet €-89k ▼166%
Net result drops to €-89k, the lowest in the series; recovery starts the following year.
31-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
03-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 3 days late
03-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 368 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
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, Gent · 1 establishment unit since 2006
Ground area
132 m²
Building footprint
108 m²
Volume, LiDAR
784 m³
Parcel 44804D2718/00F026, Flanders · tallest building 10.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MCL
since 20062.151.506.916
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44804D2718/00F026 | Flanders | 131 m² | 1 · 107 m² | 10.9 m · 2 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.
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Of 24,639 companies in sector 64210 we hold annual accounts for 19,694. 5,207 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-11-2005
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
74142
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.