Summary
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 €60,408 and a net result of €2,509. Its solvency ranks better than 70% of 3,058 sector peers (NACE 66, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 06-12-2023 Normal situation
- Activity
- Other activities auxiliary to financial services, excluding insurance and pension funding NACE 66199and 1 other
- Establishment unit
- 2.354.129.523 6150 Anderlues, since 06-12-2023
- Financial year end
- 30 June
- Peppol
- Reachable since 16-01-2024
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts to 30-06-2025
- Profit
- €2,509
- ▼ 95.6%
- Equity
- €60,408
- ▲ 4.3%
- Total assets
- €85,808
- ▼ 19.0%
- 2025 accounts filed 5 days after the deadline
Signalsraises riskYoung company2025 accounts filed 5 days lateShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Two signals.
raises risk
raises risk · Young company
Founded in 2023, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
raises risk · 2025 accounts filed 5 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filingsDeviation from the deadline
2025
5 days late
2024
9 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 2 days before the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end04-11-2026 today31-01-2027 deadline
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 5 days after the deadline Filed on 5 February 2026, deadline 31 January 2026 (7 months after the close on 30 June 2025, Companies Code art. 3:10). Source: NBB, 2026-00033170.
Annual accounts 2025 filed on 05-02-2026 PDF all 2 filings
Equity
€60,408▲ 4.3%
2024 · €57,899
Net result
€2,509▼ 95.6%
2024 · €56,899
Total assets
€85,808▼ 19.0%
2024 · €105,994
Solvency
70.4%▲ 15.8pp
2024 · 54.6%
Multi-year overview
2024 to 2025, 2 financial yearsTurnover
no figure
2025
20242025
Operating result
€10,099
▼ 86.0%
2025
20242025
Net result
€2,509
▼ 95.6%
2025
lowest quarter of the sector
20242025
Equity
€60,408
▲ 4.3%
2025
middle half of the sector
20242025
Total assets
€85,808
▼ 19.0%
2025
lowest quarter of the sector
20242025
Debt
€25,400
▼ 47.2%
2025
20242025
Working capital
€72,583
▲ 50.0%
2025
middle half of the sector
20242025
Solvency
70.4%
▲ 15.8pp
2025
middle half of the sector
20242025
Current ratio
8.52
▲ 5.81
2025
highest quarter of the sector
20242025
Return on assets (ROA)
2.9%
▼ 50.8pp
2025
middle half of the sector
20242025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line20242025
Turnover€90,191-
Operating result€72,015-€10,099▼ 86.0%
Net result€56,899within the sector's middle half-€2,509below the sector's middle half▼ 95.6%
Equity€57,899within the sector's middle half-€60,408within the sector's middle half▲ 4.3%
Total assets€105,994below the sector's middle half-€85,808below the sector's middle half▼ 19.0%
Debt€48,095-€25,400▼ 47.2%
Working capital€48,385within the sector's middle half-€72,583within the sector's middle half▲ 50.0%
Solvency54.6%within the sector's middle half-70.4%within the sector's middle half▲ 15.8pp
Current ratio2.71within the sector's middle half-8.52above the sector's middle half▲ 5.81
Return on assets (ROA)53.7%above the sector's middle half-2.9%within the sector's middle half▼ 50.8pp
above
within
below
The sector band is the middle half of the companies in Activities auxiliary to financial services and insurance activities (NACE 66). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is 86% lower than in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €85,808
Fixed assets
€3,574 ▼ 87.8%
Current assets
€82,234 ▲ 7.3%
Equity and liabilities €85,808
Equity
€60,408 ▲ 4.3%
Debt
€25,400 ▼ 47.2%
Debt's share of the balance-sheet total falls from 45.4% to 29.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
4.2%▼
2024 · 98.3%
Debt ≤ 1 year
€9,650▼
2024 · €28,229
Debt > 1 year
€15,749▼
2024 · €19,865
Income taxes
€6,000▼
2024 · €14,943
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 30-06-2024 | 30-06-2025 |
|---|---|---|
| Tangible fixed assets | €32,404 | - |
| Depreciation and write-downs of the year | €3,025 | - |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Turnover70 | €90,191 | - | - |
| Goods, raw materials, services and sundry goods60/61 | €14,864 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,025 | - | - |
| Other operating charges640/8 | €287 | €1,579 | ▲ 450% |
| Non-recurring operating charges66A | - | €2,805 | - |
| Gross operating margin9900 | €75,327 | €14,483 | ▼ 80.8% |
| Operating profit (loss)9901 | €72,015 | €10,099 | ▼ 86.0% |
| Financial charges65/66B | €173 | €1,590 | ▲ 822% |
| Recurring financial charges65 | €173 | €1,590 | ▲ 822% |
| Profit (loss) for the period before taxes9903 | €71,843 | €8,509 | ▼ 88.2% |
| Income taxes67/77 | €14,943 | €6,000 | ▼ 59.8% |
| Profit (loss) for the period9904 | €56,899 | €2,509 | ▼ 95.6% |
| Profit (loss) for the period to be appropriated9905 | €56,899 | €2,509 | ▼ 95.6% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €105,994 | €85,808 | ▼ 19.0% |
| Fixed assets21/28 | €29,380 | €3,574 | ▼ 87.8% |
| Tangible fixed assets22/27 | €29,380 | €3,574 | ▼ 87.8% |
| Furniture and vehicles24 | €29,380 | €3,574 | ▼ 87.8% |
| Current assets29/58 | €76,614 | €82,234 | ▲ 7.3% |
| Amounts receivable within one year40/41 | €59,180 | €61,319 | ▲ 3.6% |
| Trade receivables40 | €59,180 | €61,102 | ▲ 3.2% |
| Other amounts receivable41 | - | €217 | - |
| Cash at bank and in hand54/58 | €10,003 | €20,915 | ▲ 109% |
| Deferred charges and accrued income490/1 | €7,432 | - | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €105,994 | €85,808 | ▼ 19.0% |
| Equity10/15 | €57,899 | €60,408 | ▲ 4.3% |
| Contributions10/11 | €1,000 | €1,000 | = |
| Capital10 | €1,000 | €1,000 | = |
| Issued capital100 | €1,000 | €1,000 | = |
| Profit (loss) carried forward14 | €56,899 | €59,408 | ▲ 4.4% |
| Amounts payable17/49 | €48,095 | €25,400 | ▼ 47.2% |
| Amounts payable after more than one year17 | €19,865 | €15,749 | ▼ 20.7% |
| Financial debts170/4 | €19,865 | €15,749 | ▼ 20.7% |
| Amounts payable within one year42/48 | €28,229 | €9,650 | ▼ 65.8% |
| Current portion of amounts payable after more than one year42 | €6,448 | €5,648 | ▼ 12.4% |
| Trade debts44 | €1,460 | €4,002 | ▲ 174% |
| Suppliers440/4 | €1,460 | €4,002 | ▲ 174% |
| Taxes, remuneration and social security45 | €18,239 | €0 | ▼ 100.0% |
| Taxes450/3 | €18,239 | €0 | ▼ 100.0% |
| Other amounts payable47/48 | €2,083 | - | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €56,899 | €2,509 | ▼ 95.6% |
| + Depreciation and write-downs630 | €3,025 | - | - |
| Operating cash flow (approximation) | €59,924 | €2,509 | ▼ 95.8% |
| Investment in fixed assets (approximation) | - | €25,805 | - |
| Change in cash | - | €10,912 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Board & ownership
Directors
Directors
1 director, no change since 2023
MARONCELLI Julian
Current
Director (not named in the articles) · appointed in the act of 08-12-2023 · term without a fixed end
Owners and capital
Shareholders
At incorporation
act of 08-12-2023 ↗
- MARONCELLI Julian sole founder · 100% at incorporation
Capital transactions
Capital over time
- 08-12-2023 Incorporation · €1,000 · 100 shares
Articles of association
Board and representation
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Nommés avec ou sans limitation de durée, 1”
Capital, shares and profit
- Kind of sharesThe articles set which classes of shares exist and what rights each class carries.
- “100, droit égal dans la répartition des bénéfices et des produits de la liquidation”
Audit, dissolution and liquidation
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Pour quelque cause et à quelque moment que ce soit, assemblée générale peut désigner un ou plusieurs liquidateurs et déterminer pouvoirs et…”
Articles of association, deed of 08-12-2023 (in French)
Network & group
MCLI shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of MCLI. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
05-02
micro format · 5 days late
2025
30-06
Financial
Liquidity more than triplescurrent ratio 8.52
The current ratio rises from 2.71 to 8.52. Short-term debt falls from €28,229 to €9,650.
22-01
micro format · 9 days before the deadline
2023
08-12
Gazette deed
IncorporationStarting capital €1,000 · Appointment: MARONCELLI Julian (director) · Founder9 points ▸
Gazette deed
Incorporation
Starting capital €1,000 · Appointment: MARONCELLI Julian (director) · Founder9 points ▸
- Incorporation, 22-11-2023
- Founder, MARONCELLI Julian (comparant)
- Founding capital, €1,000
- General meeting, “conformément à la loi, actionnaire unique agissant en lieu et place de l'assemblée générale” (deed in French)
- Registered office clause, “6150 Anderlues, rue de Chèvremont”, 12 (deed in French)
- Other provision, “site internet et adresse électronique, ne pas déterminer de site internet ni d'adresse électronique” (deed in French)
- Board rule, 1
- Director appointment, MARONCELLI Julian (director (not named in the articles))
- Pre-incorporation commitments, “takeover, tous les engagements ainsi que les obligations qui en résultent et toutes les activités entreprises au nom et pour compte de la société en formation” (deed in French)
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
MCLI in French
Enterprise number
1003.057.501
Legal form
Private limited company
Status
Active, normale toestand
Founded
06-12-2023
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 08-12-2023 (in French)Registered office and establishments
Registered office
Rue de Chèvremont 12, 6150 Anderlues, Belgium
Establishment unit
MCLI, Rue de Chèvremont 12, 6150 Anderlues since 06-12-2023 · unit number 2.354.129.52346190 Agents in non-specialised wholesale trade
Activities
NACEBEL 202566199
Other activities auxiliary to financial services, excluding insurance and pension funding main activity
47811
Retail sale of cars and light vans (up to 3.5 tonnes)
Codes under NACEBEL 2008
66199
Activities auxiliary to financial services and insurance activities main activity
45113
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 08-12-2023 (in French)
“L’achat, l’installation, la réparation, la vente, la location de toutes installations de panneaux solaires thermiques et/ou photovoltaiques…”
7 activities
- L’achat, l’installation, la réparation, la vente, la location de toutes installations de panneaux solaires thermiques et/ou photovoltaiques, de sondes géothermiques, d’éoliennes ou de toutes autres installations de chauffage, de ventilation ou de climatisation utilisant des procédés techniques connus ou à développer au départ d’énergie renouvelable, ainsi que toute installation d’appareils connexes ou complémentaires
- Le commerce en gros et en détail, physiquement ou sur internet de tous produits commercialisables relatif à son objet dans son sens le plus large
- L’achat, la vente, la transformation de tous objets, meubles ou matériels, en tous métaux divers
- Toutes opérations généralement quelconques se rattachant à l’achat, la vente, l’échange, l’administration, la mise en valeur, la prise ou la mise en location d’immeubles et notamment leur entretien, leur réparation, leur transformation, leur aménagement, leur restauration, leur démolition, ainsi que tous travaux d’expertise, de lotissements, de terrassements et de voirie
- Activité d’intermédiaire commercial en tous domaines et toutes matières non réglementées à ce jour
- Achat et vente de véhicules neufs et ou d’occasion
- Achat et vente de toutes pièces et accessoires ayant un rapport avec l’automobile en générale, motos y compris
Invoicing and payment
VAT number
BE 1003.057.501
Financial year and general meeting
Accounts at the NBBFinancial year end
30-06
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Second Tuesday of December at 18:00
deed of 08-12-2023 (in French)Sites & property
Location
Buildings and parcels at the address
Ground area
303 m²
Building footprint
127 m²
Building volume
1,010 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 56001A0253/00X000 | Wallonia | 303 m² | 1 · 127 m² | 10.1 m · 3 |