MCW
ActiveMCW has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €246k and a net result of €124k. Equity is shrinking by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 76% of 998 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+31
Solvency100=
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 2.59 against 2.44 in 2024), and 30.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young 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
69.8%
Return on assets
35.2%
Age of the figures
8 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €246k
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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
22 d late
2023
30 d late
2022
11 d early
2021
30 d late
2020
1 d early
2019
56 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
07-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€246k▲ 20.2%
2024 · €205k
2018: €256k
2019: €291k
2020: €280k
2021: €283k
2022: €258k
2023: €176k
2024: €205k
2018 → 2025
Total assets
€352k▲ 21.7%
2024 · €290k
2018: €357k
2019: €355k
2020: €386k
2021: €410k
2022: €339k
2023: €305k
2024: €290k
2018 → 2025
Net result
€124k▲ 342%
2024 · €28k
2018: €85k
2019: €36k
2020: €-12k
2021: €3k
2022: €44k
2023: €4k
2024: €28k
2018 → 2025
Working capital
€169k▲ 38.7%
2024 · €122k
2018: €191k
2019: €247k
2020: €241k
2021: €190k
2022: €125k
2023: €65k
2024: €122k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€283k-€258k▼ 8.9%€176k▼ 31.5%€205k▲ 15.9%€246k▲ 20.2%
Operating result€-4k-€48k€848▼ 98.2%€34k▲ 3,965%€170k▲ 393%
Net result€3k-€44k▲ 1,329%€4k▼ 90.9%€28k▲ 604%€124k▲ 342%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 393% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €352k
Fixed assets
€77k▼ 7.1%
Current assets
€276k▲ 33.1%
Equity and liabilities €352k
Equity
€246k▲ 20.2%
Debt
€106k▲ 25.2%
The debt ratio rises from 29.4% to 30.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€208k▲
2024 · €73k
Cash flow
€162k▲
2024 · €66k
Solvency
69.8%▼
2024 · 70.6%
Current ratio
2.59▲
2024 · 2.44
Quick ratio
2.59▲
2024 · 2.44
Debt / equity
0.43▲
2024 · 0.42
ROE
50.4%▲
2024 · 13.7%
ROA
35.2%▲
2024 · 9.7%
Interest coverage
351.18▲
2024 · 43.55
Debt
€106k▲
2024 · €85k
Debt ≤ 1 year
€106k▲
2024 · €85k
Income taxes
€52k▲
2024 · €12k
Staff costs
€228k▲
2024 · €205k
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€290k€352k▲
Fixed assets21/28€82k€77k▼
Tangible fixed assets22/27€82k€76k▼
Plant, machinery and equipment23€40k€28k▼
Furniture and vehicles24€34k€42k▲
Other tangible fixed assets26€9k€7k▼
Financial fixed assets28€161€161=
Current assets29/58€207k€276k▲
Amounts receivable within one year40/41€133k€179k▲
Trade receivables40€8k€8k▼
Other amounts receivable41€124k€171k▲
Cash at bank and in hand54/58€74k€97k▲
Equity and liabilities
Total equity and liabilities10/49€290k€352k▲
Equity10/15€205k€246k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€143k€184k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€136k€178k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€85k€106k▲
Amounts payable within one year42/48€85k€106k▲
Current portion of amounts payable after more than one year42€0€47k▲
Trade debts44€31k€18k▼
Suppliers440/4€31k€18k▼
Taxes, remuneration and social security45€42k€22k▼
Taxes450/3€36k€15k▼
Remuneration and social security454/9€6k€6k▲
Other amounts payable47/48€12k€20k▲
Income statement
Code20242025
Non-recurring operating income76A-€13k
Remuneration, social security and pensions62€205k€228k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€38k▲
Other operating charges640/8€5k€6k▲
Gross operating margin9900€283k€442k▲
Operating profit (loss)9901€34k€170k▲
Financial income75/76B€7k€7k▼
Recurring financial income75€7k€7k▼
Financial charges65/66B€2k€593▼
Recurring financial charges65€2k€593▼
Profit (loss) for the period before taxes9903€40k€176k▲
Income taxes67/77€12k€52k▲
Profit (loss) for the period9904€28k€124k▲
Profit (loss) for the period to be appropriated9905€28k€124k▲
Appropriation of the result
Profit (loss) to be appropriated9906€28k€124k▲
Transfer from equity791/2€0€83k▲
Transfer to equity691/2€28k€124k▲
To other reserves6921€28k€124k▲
Profit to be distributed694/7€0€83k▲
Return on contributions (dividend)694€0€83k▲
The notes to these accounts (12 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €124k ▲342%
Operating result €170k, net result €124k, both a record.
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
31-12
Financial
Equity above €200kEq €205k ▲15.9%
4 profitable years in a row build equity to €205k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-12k ▼133%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
25-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 56 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Similar companies · same sector, comparable size
ETABLISSEMENTS MOURIN
BE 0418.152.053
Ath · Eq €246k
DEPANNAGE VERMEULEN
BE 0469.271.845
Kontich · Eq €246k
CHRISTOPHE HASTIR
BE 0821.589.604
Vielsalm · Eq €246k
FLORI CARS
BE 0628.468.047
Tielt · Eq €246k
GARAGE REMY
BE 0450.325.072
Frasnes-lez-Anvaing · Eq €247k
Of 7,341 companies in sector 95311 we hold annual accounts for 2,913. 2,293 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded11-10-2000
Fiscal year end31-12
Activities, NACEBEL
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95316Washing and cleaning of motor vehicles
50200
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.