MCLI is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €60k and a net result of €3k. Its solvency ranks better than 69% of 2423 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2023, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-02-2026, 5 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 · 2 filingsDeviation from the deadline
2025
5 d late
2024
9 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 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€60k▲ 4.3%
2024 · €58k
2024: €58k
2024 → 2025
Net result
€3k▼ 95.6%
2024 · €57k
2024: €57k
2024 → 2025
Total assets
€86k▼ 19.0%
2024 · €106k
2024: €106k
2024 → 2025
Solvency
70.4%▲ 15.8pp
2024 · 54.6%
2024: 54.6%
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Turnover€90k-
Equity€58k-€60k▲ 4.3%
Operating result€72k-€10k▼ 86.0%
Net result€57k-€3k▼ 95.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 86% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €86k
Fixed assets
€4k▼ 87.8%
Current assets
€82k▲ 7.3%
Equity and liabilities €86k
Equity
€60k▲ 4.3%
Debt
€25k▼ 47.2%
The debt ratio falls from 45.4% to 29.6%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
70.4%▲
2024 · 54.6%
ROE
4.2%▼
2024 · 98.3%
ROA
2.9%▼
2024 · 53.7%
Debt
€25k▼
2024 · €48k
Debt ≤ 1 year
€10k▼
2024 · €28k
Debt > 1 year
€16k▼
2024 · €20k
Income taxes
€6k▼
2024 · €15k
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€106k€86k▼
Fixed assets21/28€29k€4k▼
Tangible fixed assets22/27€29k€4k▼
Furniture and vehicles24€29k€4k▼
Current assets29/58€77k€82k▲
Amounts receivable within one year40/41€59k€61k▲
Trade receivables40€59k€61k▲
Other amounts receivable41-€217
Cash at bank and in hand54/58€10k€21k▲
Deferred charges and accrued income490/1€7k-
Equity and liabilities
Total equity and liabilities10/49€106k€86k▼
Equity10/15€58k€60k▲
Contributions10/11€1k€1k=
Capital10€1k€1k=
Issued capital100€1k€1k=
Profit (loss) carried forward14€57k€59k▲
Amounts payable17/49€48k€25k▼
Amounts payable after more than one year17€20k€16k▼
Financial debts170/4€20k€16k▼
Amounts payable within one year42/48€28k€10k▼
Current portion of amounts payable after more than one year42€6k€6k▼
Trade debts44€1k€4k▲
Suppliers440/4€1k€4k▲
Taxes, remuneration and social security45€18k€0▼
Taxes450/3€18k€0▼
Other amounts payable47/48€2k-
Income statement
Code20242025
Turnover70€90k-
Goods, raw materials, services and sundry goods60/61€15k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k-
Other operating charges640/8€287€2k▲
Non-recurring operating charges66A-€3k
Gross operating margin9900€75k€14k▼
Operating profit (loss)9901€72k€10k▼
Financial charges65/66B€173€2k▲
Recurring financial charges65€173€2k▲
Profit (loss) for the period before taxes9903€72k€9k▼
Income taxes67/77€15k€6k▼
Profit (loss) for the period9904€57k€3k▼
Profit (loss) for the period to be appropriated9905€57k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€57k€59k▲
Profit (loss) brought forward from the previous period14P-€57k
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
05-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
2025
30-06
Financial
Liquidity triplescurrent ratio 8.52
Current ratio from 2.71 to 8.52; short-term debt falls from €28k to €10k.
22-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Anderlues · 1 establishment unit since 2023
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.
Rue de Chèvremont 126150 AnderluesGround area
303 m²
Building footprint
127 m²
Volume, LiDAR
1,010 m³
Parcel 56001A0253/00X000, Wallonia · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
MCLI
since 20232.354.129.523
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56001A0253/00X000 | Wallonia | 303 m² | 1 · 127 m² | 10.1 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.
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Of 1,509 companies in sector 66199 we hold annual accounts for 918. 575 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-12-2023
Fiscal year end30-06
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.