Equity
-€91,250
Debts exceed assets in financial year 2026.
McM
Lifetime
11 annual accounts with figures on one time axispeak €30,760 (2024)
-€58,679▼ €6,588
lowest -€66,760 (2026)
-€66,760▼ €9,228
peak €38,657 (2020)
-€91,250▼ €66,760
€344,224▲ 184%
Board1 name since 2015
1 directorVAN WAES Julie Dina Luc
Documentsfilings and deeds
29-10-20262 days before the deadline
2026micro format
Gross margin from -€52,091 to -€58,679Loss of €66,760Equity from -€24,490 to -€91,250Debts from €121,307 to €344,224Investments €208,000Cash from €48,386 to €12,735
Key points
from the 2026 annual accountsLosses
-€124,292 in two years
The 2025 and 2026 financial years closed with a loss. 2026 was the heaviest.
Debts
€344,224 136% of the balance sheet
Financial debts 27%Suppliers 3%Taxes and wages 0%Other 69%
Of this, €26,222 falls due within a year.
Investments
€208,000 30.8 × depreciation
Green is investment, beige is depreciation.
Liquidity
1.33 was 16.69 in 2025
Short-term debts rose from €4,794 to €26,222.
Position in the sector
-36.1%
Lower solvency than 95% of companies in head offices and management consultancy. Sector median 60.7% · 1,544 companies.
Turnover not published (micro format)
Checked score
53
Fair
Financially stronger than 14% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025lowest value
05-2025: < 0.1%● unchanged vs 04-2025lowest value
06-2025: < 0.1%● unchanged vs 05-2025lowest value
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: 0.4%▲ +0.4 percentage points vs 10-2025
12-2025: 0.4%● unchanged vs 11-2025
01-2026: 0.4%● unchanged vs 12-2025
02-2026: 0.4%● unchanged vs 01-2026
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.4%● unchanged vs 06-2026
08-2026: 0.4%● unchanged vs 07-2026
09-2026: 0.4%● unchanged vs 08-2026
10-2026: 0.7%▲ +0.3 percentage points vs 09-2026highest value
11-2026: 0.7%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€91,250
Loss of €66,760, the second in a row (financial year 2026)
lowers risk
Size: total assets €252,974
Sector: Activities of head offices; management consultancy activities (NACE 70)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 3% of them on solvency, 47% on liquidity, 4% on profitability and 1% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-03-2026.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,907 companies had the same profile as McM has now. Each dot stands for 18 companies, two years later.
85.4%
were still trading
8.1%
stopped another way
5.8%
went bankrupt
Another 0.7% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of McM itself is lower: 0.7% within 12 months. It rests on far more data about McM than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,907 companies, not a prediction for McM. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is tight, with a current ratio of 1.33 (16.69 in 2025), below the usual 1.5. Short-term debt is 10.4% and cash 5% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2026 annual accounts show negative equity and a net loss.
NBB · annual accounts 2026Equity per financial year
1920212223242526
2019 to 2026 · latest year -€91,250
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 29-10-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
2 days early
2025
10 days early
2024
10 days early
2023
1 day early
2022
10 days early
2021
10 days early
2020
9 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 7 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today. The company usually files around 21 October (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-03-2027 year end31-10-2027 deadline
Recent changes
Change of role: VAN WAES Julie Dina Luc, from manager to director
Director discharge: VAN WAES Julie Dina Luc · General meeting of 21-12-2023 · Gazette deed
Incorporation
published on 12-02-2015 · Gazette deed
First establishment
Voordelaan 26, Sint-Martens-Latem
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| McM Sint-Martens-Latem | €252,974 | -€58,679 | -36.1% | - |
| FESTCON Merelbeke-Melle | €228,867 | -€9,521 | 85.4% | - |
| MAG Buggenhout | €239,489 | -€28,696 | 97.6% | - |
| TOMDEGRO Ypres | €261,311 | -€19,175 | 34.9% | - |
| Aumaje Geel | €241,748 | -€20,976 | 93.2% | - |
| Kaupanda Putte | €263,537 | -€10,702 | 98.5% | - |
| Codatoz Kontich | €238,108 | -€5,659 | 89.7% | - |
These companies have the same main activity as McM: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €229,000 and €264,000, founded between 2013 and 2015.
Official details
Source: KBO- Status
- Active since 10-02-2015Normal situation
- Activity
- Business and other management consultancyNACE 70200
- Establishment unit
- 2.245.025.1119831 Sint-Martens-Latem, since 10-02-2015
- Financial year end
- 31 March
- Peppol
- Reachable
Annual accounts to 31-03-2026
- €252,974▲ 161%
- Filing
- Filed on 29-10-2026, 2 days before the end of the filing period
Insights on McM
McM files the micro format. That format states no turnover. The gross margin fell from -€5,528 in 2016 to -€58,679 in 2026.
The balance sheet grew most in 2026 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about McM
- What is the company number of McM?
- The company number of McM is 0597.853.362. The VAT number is the same number with BE in front: BE 0597.853.362.
- Where is McM based?
- The registered office is at Voordelaan 26, 9831 Sint-Martens-Latem.Company details
- What does McM do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of McM?
- McM is a private limited company (BV).
- When was McM founded?
- McM was founded on 10-02-2015.
- Is McM still active?
- Yes, McM is an active enterprise in the KBO register.
- What is the turnover of McM?
- The annual accounts for financial year 2026 state no turnover. The micro format does not require it. In financial year 2023 turnover was €136,889.Financials
- Is McM profitable?
- In financial year 2026, McM made a loss of €66,760.
- Where can I find the annual accounts of McM?
- McM filed 11 annual accounts with the National Bank of Belgium, the latest for financial year 2026.
- When are the next annual accounts of McM due?
- McM must file the annual accounts for financial year 2027 by 31-10-2027.Timeline
Next steps
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