MCVC
ActiveMCVC has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €46k and a net result of €-1k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 95% of 2043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability31▲+18
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
short-term debt: 0.9% and cash: 3.6% of total assets, and 0.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Sector 85
lower
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 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 · 8 filingsDeviation from the deadline
2025
5 d late
2024
39 d late
2023
55 d late
2021
192 d late
2020
144 d late
2019
174 d late
2018
92 d late
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€46k▼ 2.7%
2024 · €47k
2018: €25k
2019: €43k
2020: €65k
2021: €52k
2023: €50k
2024: €47k
2018 → 2025
Total assets
€47k▼ 1.9%
2024 · €47k
2018: €45k
2019: €63k
2020: €90k
2021: €85k
2023: €51k
2024: €47k
2018 → 2025
Net result
€-1k▲ 42.0%
2024 · €-2k
2018: €12k
2019: €25k
2020: €22k
2021: €-14k
2023: €-4k
2024: €-2k
2018 → 2025
Working capital
€46k▼ 6.2%
2023 · €49k
2018: €23k
2019: €42k
2020: €65k
2021: €51k
2023: €49k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202320242025Trend
Equity€65k-€52k▼ 20.7%€50k▼ 4.2%€47k▼ 4.5%€46k▼ 2.7%
Operating result€33k-€-10k€-3k▲ 69.8%€-2k▲ 32.9%€-1k▲ 46.5%
Net result€22k-€-14k€-4k▲ 70.3%€-2k▲ 44.5%€-1k▲ 42.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €1k in 2025 against €2k in 2024; the loss shrinks.
Balance-sheet composition
Equity and liabilities €47k
Equity
€46k
Debt
€400
Debt finances 0.9% of the balance-sheet total.
Key figures and ratios
Solvency
99.1%▼
2024 · 100.0%
Debt / equity
0.01
ROE
-2.8%▲
2024 · -4.7%
ROA
-2.8%▲
2024 · -4.7%
Debt
€400
Debt ≤ 1 year
€400
A ratio outside any meaningful range has been withheld (balance sheet total €47k, equity €46k).
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€47k€47k▼
Fixed assets21/28€0-
Tangible fixed assets22/27€0-
Furniture and vehicles24€0-
Current assets29/58€47k€47k▼
Amounts receivable within one year40/41€46k€45k▼
Other amounts receivable41€46k€45k▼
Cash at bank and in hand54/58€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€47k€47k▼
Equity10/15€47k€46k▼
Contributions10/11€11k€11k=
Reserves13€18k€18k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€16k€16k=
Profit (loss) carried forward14€18k€17k▼
Amounts payable17/49-€400
Amounts payable within one year42/48-€400
Trade debts44-€400
Suppliers440/4-€400
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€476-
Other operating charges640/8€184€214▲
Gross operating margin9900€-1k€-900▲
Operating profit (loss)9901€-2k€-1k▲
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€155€183▲
Recurring financial charges65€155€183▲
Profit (loss) for the period before taxes9903€-2k€-1k▲
Profit (loss) for the period9904€-2k€-1k▲
Profit (loss) for the period to be appropriated9905€-2k€-1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€17k▼
Profit (loss) brought forward from the previous period14P€21k€18k▼
The notes to these accounts (3 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
05-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
2025
08-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 39 days late
2024
24-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 55 days late
2023
31-12
Financial
Liquidity times 12current ratio 30.71
Current ratio from 2.56 to 30.71; short-term debt falls from €32k to €2k.
08-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 192 days late
2021
31-12
Financial
Weakest financial yearnet €-14k ▼161%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
22-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 144 days late
21-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 174 days late
2019
31-12
Financial
Highest result since 2018net €25k ▲103%
Net result €25k, the highest in the series.
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 92 days late
2018
20-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 142 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2016
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.
Place des Peintres 11348 Ottignies-Louvain-la-NeuveGround area
1,484 m²
Building footprint
377 m²
Volume, LiDAR
5,054 m³
Parcel 25386B0080/00M000, Wallonia · tallest building 17.1 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Place des Peintres 1, 1348 Ottignies-Louvain-la-Neuve
since 20162.252.239.634
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25386B0080/00M000 | Wallonia | 1,484 m² | 1 · 377 m² | 17.1 m · 5 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.
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Of 3,017 companies in sector 85592 we hold annual accounts for 987. 694 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded03-03-2016
Fiscal year end31-12
Activities, NACEBEL
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.