MCV Service
ActiveSummary
The computed 12-month bankruptcy probability of MCV Service is 1.6% (moderate). The 2025 annual accounts show equity of €20k and a net result of €20k. Its solvency ranks better than 27% of 27786 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency51
Growth-
Track record67
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.78; short-term debt: 59% and cash: 42.1% of total assets), and 74.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
25.7%
Return on assets
25.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-09-2026, 48 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 · 1 filingDeviation from the deadline
2025
48 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€20k
Total assets
€78k
Net result
€20k
Working capital
€-10k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €78k
Fixed assets
€42k
Current assets
€36k
Equity and liabilities €78k
Equity
€20k
Debt
€58k
Debt finances 74.3% of the balance-sheet total.
Key figures and ratios
EBITDA
€36k
Cash flow
€27k
Current ratio
0.78
Debt to equity
2.90
ROE
99.2%
ROA
25.5%
Interest coverage
18.77
Debt ≤ 1 year
€46k
Debt > 1 year
€12k
Income taxes
€7k
Filed annual accounts As filed with the NBB · 2025 · 43 lines
Balance sheet
Code2025
Assets
Total assets20/58€78k
Fixed assets21/28€42k
Tangible fixed assets22/27€42k
Plant, machinery and equipment23€8k
Furniture and vehicles24€34k
Current assets29/58€36k
Amounts receivable within one year40/41€3k
Trade receivables40€393
Other amounts receivable41€3k
Cash at bank and in hand54/58€33k
Deferred charges and accrued income490/1€117
Equity and liabilities
Total equity and liabilities10/49€78k
Equity10/15€20k
Contributions10/11€1k
Reserves13€19k
Distributable reserves133€19k
Amounts payable17/49€58k
Amounts payable after more than one year17€12k
Financial debts170/4€12k
Amounts payable within one year42/48€46k
Current portion of amounts payable after more than one year42€4k
Trade debts44€30k
Suppliers440/4€30k
Taxes, remuneration and social security45€7k
Taxes450/3€7k
Other amounts payable47/48€5k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k
Other operating charges640/8€612
Gross operating margin9900€36k
Operating profit (loss)9901€29k
Financial income75/76B€0
Recurring financial income75€0
Financial charges65/66B€2k
Recurring financial charges65€2k
Profit (loss) for the period before taxes9903€27k
Income taxes67/77€7k
Profit (loss) for the period9904€20k
Profit (loss) for the period to be appropriated9905€20k
Appropriation of the result
Profit (loss) to be appropriated9906€20k
Transfer to equity691/2€19k
To other reserves6921€19k
Profit to be distributed694/7€833
Return on contributions (dividend)694€833
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
17-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 48 days late
NBB filing
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, Scherpenheuvel-Zichem · 1 establishment unit since 2025
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.
Hoeve 43272 Scherpenheuvel-ZichemGround area
386 m²
Building footprint
135 m²
Volume, LiDAR
636 m³
Parcel 24105B0166/00V000, Flanders · tallest building 8.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
MCV Service
since 20252.375.052.324
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24105B0166/00V000 | Flanders | 386 m² | 1 · 134 m² | 8.4 m · 1 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.
Similar companies · same sector, comparable size
CARODEL
BE 0478.057.273
Braives · Eq €20,018
NYS RAPHAEL CHAUFFAGE
BE 1003.695.523
Andenne · Eq €20,020
BKW-Heating
BE 0645.651.992
Heist-op-den-Berg · Eq €20,000
Neotherm
BE 1022.262.610
Zaventem · Eq €20,034
ARMARE CONSTRUCTION
BE 0781.455.160
Lanaken · Eq €19,985
Of 9,530 companies in sector 43222 we hold annual accounts for 5,662. 3,515 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
Founded29-04-2025
Fiscal year end31-12
Activities, NACEBEL 2025
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.