Summary
MCRM 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 €337k and a net result of €234k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 67% of 8023 sector peers (fiscal year 2025). The company has been active since 2019 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
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €337k
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 29-06-2026, 32 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
32 d early
2024
7 d early
2023
2 d early
2022
28 d early
2021
4 d early
2020
4 d late
2019
35 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, micro schema
Equity
€337k▲ 45.2%
2024 · €232k
2019: €76k
2020: €153k
2021: €337k
2022: €19k
2023: €19k
2024: €232k
2019 → 2025
Net result
€234k▲ 9.7%
2024 · €214k
2019: €58k
2020: €77k
2021: €184k
2022: €46k
2023: €136k
2024: €214k
2019 → 2025
Total assets
€474k▲ 9.5%
2024 · €433k
2019: €105k
2020: €204k
2021: €402k
2022: €235k
2023: €215k
2024: €433k
2019 → 2025
Solvency
71.2%▲ 17.5pp
2024 · 53.7%
2019: 71.8%
2020: 74.9%
2021: 83.7%
2022: 7.9%
2023: 8.6%
2024: 53.7%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€337k-€19k▼ 94.5%€19k=€232k▲ 1,148%€337k▲ 45.2%
Operating result€242k-€64k▼ 73.6%€188k▲ 195%€291k▲ 54.9%€328k▲ 12.7%
Net result€184k-€46k▼ 74.8%€136k▲ 192%€214k▲ 57.4%€234k▲ 9.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 13% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €474k
Fixed assets
€5k ▼ 17.5%
Current assets
€468k ▲ 9.9%
Equity and liabilities €474k
Equity
€337k ▲ 45.2%
Debt
€137k ▼ 31.9%
Debt's share of the balance-sheet total falls from 46.3% to 28.8%. Equity is higher and debt is lower.
Key figures and ratios
ROE
69.5%▼
2024 · 92.0%
ROA
49.5%▲
2024 · 49.4%
Debt ≤ 1 year
€130k▼
2024 · €200k
Income taxes
€82k▲
2024 · €74k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€433k€474k▲
Fixed assets21/28€6k€5k▼
Tangible fixed assets22/27€6k€5k▼
Furniture and vehicles24€808€308▼
Other tangible fixed assets26€5k€5k▼
Current assets29/58€426k€468k▲
Amounts receivable after more than one year29-€30k
Other amounts receivable291-€30k
Stocks and contracts in progress3€40k€40k=
Stocks30/36€40k€40k=
Amounts receivable within one year40/41€298k€270k▼
Trade receivables40€244k€209k▼
Other amounts receivable41€54k€61k▲
Cash at bank and in hand54/58€88k€107k▲
Deferred charges and accrued income490/1€667€22k▲
Equity and liabilities
Total equity and liabilities10/49€433k€474k▲
Equity10/15€232k€337k▲
Contributions10/11€19k€19k=
Reserves13€214k€318k▲
Tax-exempt reserves132€84k€84k=
Distributable reserves133€129k€234k▲
Amounts payable17/49€200k€137k▼
Amounts payable within one year42/48€200k€130k▼
Trade debts44€3k€6k▲
Suppliers440/4€3k€6k▲
Taxes, remuneration and social security45€44k€5k▼
Taxes450/3€44k€5k▼
Other amounts payable47/48€154k€119k▼
Accrued charges and deferred income492/3-€6k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€985€1k▲
Other operating charges640/8€126€128▲
Gross operating margin9900€292k€329k▲
Operating profit (loss)9901€291k€328k▲
Financial income75/76B€10€10▼
Recurring financial income75€10€10▼
Financial charges65/66B€3k€11k▲
Recurring financial charges65€3k€11k▲
Profit (loss) for the period before taxes9903€288k€316k▲
Income taxes67/77€74k€82k▲
Profit (loss) for the period9904€214k€234k▲
Transfer to tax-exempt reserves689€84k-
Profit (loss) for the period to be appropriated9905€129k€234k▲
Appropriation of the result
Profit (loss) to be appropriated9906€129k€234k▲
Transfer from equity791/2-€129k
Transfer to equity691/2€129k€234k▲
To other reserves6921€129k€234k▲
Profit to be distributed694/7-€129k
Return on contributions (dividend)694-€129k
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
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €234k ▲9.7%
Operating result €328k, net result €234k, both a record.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €232k ▲1148%
6 profitable years in a row build equity to €232k.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €46k ▼74.8%
Net result drops to €46k, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €337k ▲120%
3 profitable years in a row build equity to €337k.
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
31-12
Financial
Equity above €150kEq €153k ▲102%
2 profitable years in a row build equity to €153k.
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro 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, Jabbeke · 1 establishment unit since 2019
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.
Cathilleweg 98490 JabbekeGround area
1,019 m²
Building footprint
168 m²
Volume, LiDAR
853 m³
2 parcels, Flanders · tallest building 10.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MCRM
since 20192.288.158.041
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31032B0318/00P004 | Flanders | 757 m² | 1 · 168 m² | 10.9 m · 2 fl. |
| 31038B0029/00W015 | Flanders | 262 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 1,890 EUR awarded · 1,890 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 1,890 EUR | 1,890 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
L&C Beheer en handel
BE 0449.753.465
Mol · Eq €337,033
MaServe
BE 0806.250.538
Heusden-Zolder · Eq €336,890
BAKKERIJ LUC BRABANDERS
BE 0450.042.980
Hasselt · Eq €337,226
Bekaert Horeca Services
BE 0689.557.558
Geraardsbergen · Eq €337,230
Vliegen Leon Advies en Implementatie
BE 0840.047.615
Hasselt · Eq €337,302
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,768 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
Founded11-03-2019
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.