Summary
MCLS HOLDING 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 €2.73M and a net result of €12k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 95% of 5527 sector peers (fiscal year 2025). The company has been active since 2013 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
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
28 d early
2023
29 d early
2022
31 d early
2021
31 d early
2020
26 d early
2019
28 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.73M▼ 0.1%
2024 · €2.74M
2018: €2.45M
2019: €2.57M
2020: €2.65M
2021: €2.70M
2022: €2.73M
2023: €2.74M
2024: €2.74M
2018 → 2025
Net result
€12k▲ 107%
2024 · €6k
2018: €333k
2019: €119k
2020: €128k
2021: €56k
2022: €45k
2023: €6k
2024: €6k
2018 → 2025
Total assets
€2.75M▼ 0.1%
2024 · €2.75M
2018: €2.82M
2019: €2.83M
2020: €2.79M
2021: €2.77M
2022: €2.76M
2023: €2.76M
2024: €2.75M
2018 → 2025
Solvency
99.3%=
2024 · 99.4%
2018: 87.0%
2019: 90.8%
2020: 94.7%
2021: 97.5%
2022: 99.1%
2023: 99.4%
2024: 99.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.70M-€2.73M▲ 1.2%€2.74M▲ 0.2%€2.74M▼ 0.2%€2.73M▼ 0.1%
Operating result€27k-€61k▲ 128%€20k▼ 67.1%€8k▼ 58.9%€17k▲ 101%
Net result€56k-€45k▼ 19.0%€6k▼ 85.7%€6k▼ 8.8%€12k▲ 107%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 101% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.75M
Fixed assets
€2.72M =
Current assets
€31k ▼ 4.9%
Equity and liabilities €2.75M
Equity
€2.73M ▼ 0.1%
Debt
€19k ▲ 6.4%
Debt's share of the balance-sheet total stays at 0.7%.
Key figures and ratios
ROE
0.4%▲
2024 · 0.2%
ROA
0.4%▲
2024 · 0.2%
Debt ≤ 1 year
€4k▲
2024 · €3k
Income taxes
€4k▲
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.75M€2.75M▼
Fixed assets21/28€2.72M€2.72M=
Financial fixed assets28€2.72M€2.72M=
Current assets29/58€33k€31k▼
Amounts receivable after more than one year29€10k€11k▲
Other amounts receivable291€10k€11k▲
Amounts receivable within one year40/41€18k€17k▼
Trade receivables40€3k€9k▲
Other amounts receivable41€16k€8k▼
Cash at bank and in hand54/58€3k€1k▼
Deferred charges and accrued income490/1€2k€2k=
Equity and liabilities
Total equity and liabilities10/49€2.75M€2.75M▼
Equity10/15€2.74M€2.73M▼
Contributions10/11€220k€220k=
Reserves13€2.52M€2.51M▼
Distributable reserves133€2.52M€2.51M▼
Amounts payable17/49€18k€19k▲
Amounts payable within one year42/48€3k€4k▲
Current portion of amounts payable after more than one year42€850€253▼
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€871€2k▲
Taxes450/3€871€2k▲
Accrued charges and deferred income492/3€15k€15k=
Income statement
Code20242025
Other operating charges640/8€249€255▲
Gross operating margin9900€9k€17k▲
Operating profit (loss)9901€8k€17k▲
Financial charges65/66B€373€225▼
Recurring financial charges65€373€225▼
Profit (loss) for the period before taxes9903€8k€16k▲
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€6k€12k▲
Profit (loss) for the period to be appropriated9905€6k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€12k▲
Transfer from equity791/2€11k€15k▲
Transfer to equity691/2€6k€12k▲
To other reserves6921€6k€12k▲
Profit to be distributed694/7€11k€15k▲
Return on contributions (dividend)694€11k€15k▲
The notes to these accounts (2 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €6k ▼8.8%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity times 7current ratio 26.34
Current ratio from 3.83 to 26.34; short-term debt falls from €10k to €1k.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity quadruplescurrent ratio 3.83
Current ratio from 0.92 to 3.83; short-term debt falls from €53k to €10k.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-06
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.
Directors · office · real estate
Directors
3 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, Lier · 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.
Ringenhofweg 912500 LierGround area
1.0 ha
Building footprint
451 m²
Volume, LiDAR
164 m³
Parcel 12393F0761/00A000, Flanders · tallest building 7.5 m. Linked by address, not a title deed.
1 establishment unit
MCLS HOLDING
since 20132.220.482.725
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12393F0761/00A000 | Flanders | 1.0 ha | 1 · 451 m² | 7.5 m |
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.
Similar companies · same sector, comparable size
PASCUAL GROUP
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MANTEA
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M. GRUYTERS HOLDING
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ISABELLE COOREMAN
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 9,955 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-05-2013
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.