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MD Assurances

Active
Private limited companyfounded 200223 yrs activeRue du Commerce 93, 5590 Ciney, BelgiumKBO/BCE: BE 0478.556.626
Summary

MD Assurances has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €336,829 and a net result of €322,569. Equity is growing by ~14.2% per year across the filed fiscal years. The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
MD AssurancesActiveChecked score 97/100
Risk analysis ReportCompare

Overview

Activity
Activity not known1 site
Size
€558,160total assets 2025
Staff
3 FTE
Equity
€336,829
Profit
€322,569
Turnover not published (abridged schema)
Financial health
97 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Parent
BOURTON CONSULTING GROUP · 75%
Accounts filed 3 d late0 of 12 deeds read
Why 97+ Size: total assets €558,160+ Liquidity: current ratio 3.43, cash €173,981+ Equity €336,829 (60.3% of total assets)+ Figures for FY 2025 (filed 10-02-2026)Show the evidence

Checked score

Score 2025
97 / 100
Excellent
Probability in this band: under 0.55%
Better than 78% of its sector peers (no NACE code, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 85+55
equity 60.3% of total assets
Liquidity 78+64
short-term debt 28.3% · cash 31.2%
Profitability 100+55
return on assets 57.8%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 1.0% 12-2024: 1.2%▲ +21.5% vs 11-2024 01-2025: 1.3%▲ +7.7% vs 12-2024 02-2025: 1.8%▲ +38.2% vs 01-2025 03-2025: 2.4%▲ +32.3% vs 02-2025 04-2025: 0.9%▼ -64.8% vs 03-2025 05-2025: 0.9%● 0.0% vs 04-2025 06-2025: 0.9%● 0.0% vs 05-2025 07-2025: 1.0%▲ +11.6% vs 06-2025 08-2025: 1.0%● 0.0% vs 07-2025 09-2025: 1.0%▲ +8.2% vs 08-2025 10-2025: 1.0%▼ -0.8% vs 09-2025 11-2025: 1.3%▲ +29.2% vs 10-2025 12-2025: 1.6%▲ +19.2% vs 11-2025 01-2026: 1.7%▲ +8.3% vs 12-2025 02-2026: 2.6%▲ +50.8% vs 01-2026highest value 03-2026: 0.1%▼ -95.0% vs 02-2026 04-2026: 0.1%● 0.0% vs 03-2026 05-2026: 0.1%● 0.0% vs 04-2026 06-2026: < 0.1%▼ -71.5% vs 05-2026lowest value 07-2026: < 0.1%▲ +5.4% vs 06-2026 08-2026: < 0.1%● 0.0% vs 07-2026 09-2026: < 0.1%▲ +2.6% vs 08-2026 10-2026: < 0.1%▼ -2.5% vs 09-2026
  • Size: total assets €558,160 lowers the probability for this profile
  • Liquidity: current ratio 3.43, cash €173,981 lowers the probability
  • Equity €336,829 (60.3% of total assets) lowers the probability
  • Figures for FY 2025 (filed 10-02-2026) lowers the probability
Credit up to €30,000 at 30 days acceptable
Liquidity ample (current ratio 3.43 against 1.3 in 2024; short-term debt: 28.3% and cash: 31.2% of total assets), and 39.7% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (no NACE code, micro). Better than this share of them on solvency 51%, liquidity 71%, profitability 90%, growth against the median 99%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Size: total assets €558,160
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 3.43, cash €173,981
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Equity €336,829 (60.3% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 10-02-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 03-02-2026, 3 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 · 10 filings
Deviation from the deadline
2025
3 d late
2024
28 d late
2023
27 d late
2022
28 d late
2021
on the day
2020
12 d late
2019
20 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 17 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 27 February (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-06-2026 close05-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Back to profitnet €322,569
  3. Liquidity triplescurrent ratio 3.43

Key points

  • Positive: Equity rose in 2025from €14,260 to €336,829 ▲ 2,262% View
  • Controlled by BOURTON CONSULTING GROUPultimately: LB Concept 75% View
  • Total assets 20256 fiscal years filed €558,160 View

By topic

Financials

Fiscal year
2025
Total assets
€558,160
Profit
€322,569
Solvency
60.3%
Total assets▲ 85.1%
Net result
20192025
Go to Financials

Timeline

Events
16
Since
2017
Next accounts
by 31-01-2027
  1. 03-02-2026Annual accounts filed
  2. 30-06-2025Back to profit
  3. 30-06-2025Liquidity triples
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Founded
14-10-2002
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

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