MD&D SERVICES
ActiveSummary
MD&D SERVICES has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €17k and a net result of €-7k. Equity is growing by ~16.7% per year across the filed fiscal years. Its solvency ranks better than 26% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability4▼-70
Solvency54▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.58 against 1.68 in 2024; short-term debt: 60.7% and cash: 4.4% of total assets), but 71.5% 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
28.5%
Return on assets
-11.6%
Age of the figures
9 mo
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
on the day
2023
25 d late
2022
2 d early
2021
7 d early
2020
29 d late
2019
91 d late
← 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
€17k▼ 28.9%
2024 · €23k
2018: €-3k
2019: €9k
2020: €-331
2021: €18k
2022: €21k
2023: €20k
2024: €23k
2018 → 2025
Total assets
€59k▼ 23.2%
2024 · €76k
2018: €63k
2019: €54k
2020: €82k
2021: €66k
2022: €54k
2023: €69k
2024: €76k
2018 → 2025
Net result
€-7k
2024 · €3k
2018: €-12k
2019: €12k
2020: €-9k
2021: €19k
2022: €3k
2023: €-685
2024: €3k
2018 → 2025
Working capital
€21k▼ 31.3%
2024 · €30k
2018: €-16k
2019: €1k
2020: €5k
2021: €27k
2022: €26k
2023: €27k
2024: €30k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€18k-€21k▲ 14.1%€20k▼ 3.3%€23k▲ 16.5%€17k▼ 28.9%
Operating result€25k-€6k▼ 75.6%€2k▼ 73.0%€7k▲ 345%€-6k
Net result€19k-€3k▼ 86.2%€-685€3k€-7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6k after €7k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €59k
Fixed assets
€2k ▲ 41.7%
Current assets
€56k ▼ 24.7%
Equity and liabilities €59k
Equity
€17k ▼ 28.9%
Debt
€42k ▼ 20.7%
Debt's share of the balance-sheet total rises from 69.2% to 71.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-5k▼
2024 · €8k
Cash flow
€-6k▼
2024 · €4k
Current ratio
1.58▼
2024 · 1.68
Debt to equity
2.51▲
2024 · 2.25
ROE
-40.7%▼
2024 · 14.2%
ROA
-11.6%▼
2024 · 4.4%
Interest coverage
-11.26▼
2024 · 28.10
Debt ≤ 1 year
€36k▼
2024 · €45k
Income taxes
€864▼
2024 · €4k
Staff costs
€54k▼
2024 · €57k
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 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€76k€59k▼
Fixed assets21/28€2k€2k▲
Tangible fixed assets22/27€1k€2k▲
Furniture and vehicles24€1k€2k▲
Financial fixed assets28€249€249=
Current assets29/58€75k€56k▼
Amounts receivable within one year40/41€65k€53k▼
Trade receivables40€63k€53k▼
Other amounts receivable41€2k€172▼
Cash at bank and in hand54/58€10k€3k▼
Deferred charges and accrued income490/1€119€172▲
Equity and liabilities
Total equity and liabilities10/49€76k€59k▼
Equity10/15€23k€17k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€3k€-3k▼
Amounts payable17/49€53k€42k▼
Amounts payable within one year42/48€45k€36k▼
Trade debts44€13k€14k▲
Suppliers440/4€13k€14k▲
Taxes, remuneration and social security45€31k€21k▼
Taxes450/3€23k€16k▼
Remuneration and social security454/9€8k€5k▼
Accrued charges and deferred income492/3€8k€6k▼
Income statement
Code20242025
Remuneration, social security and pensions62€57k€54k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€301€596▲
Other operating charges640/8€392€405▲
Gross operating margin9900€65k€49k▼
Operating profit (loss)9901€7k€-6k▼
Financial income75/76B€10€44▲
Recurring financial income75€10€44▲
Financial charges65/66B€271€439▲
Recurring financial charges65€271€439▲
Profit (loss) for the period before taxes9903€7k€-6k▼
Income taxes67/77€4k€864▼
Profit (loss) for the period9904€3k€-7k▼
Profit (loss) for the period to be appropriated9905€3k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€-3k▼
Profit (loss) brought forward from the previous period14P€49€3k▲
The notes to these accounts (8 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
25-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 25 days late
2023
29-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 29 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 17 days late
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 382 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Schaarbeek · 1 establishment unit since 2011
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.
Opaallaan 1201030 SchaarbeekGround area
172 m²
Building footprint
101 m²
Volume, LiDAR
1,225 m³
Parcel 21905C0094/02S002, Brussels · tallest building 15.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Opaallaan 120, 1030 Schaarbeek
since 20112.195.399.515
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21905C0094/02S002 | Brussels | 172 m² | 1 · 101 m² | 15.5 m · 4 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
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CHARLYGHISLAIN
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FemIT
BE 1012.215.091
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Of 16,884 companies in sector 62100 we hold annual accounts for 8,775. 5,454 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
Founded13-01-2011
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
70200Business and other management consultancy
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.