MDV FINANCE
ActiveMDV FINANCE has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €105k and a net result of €190k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 39% of 346 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2026
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability100▲+11
Solvency76▲+7
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 3.51 against 2.72 in 2025; short-term debt: 28.3% and cash: 12.1% of total assets), and 48.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 2026Solvency, return and age of the figures
Solvency
51.1%
Return on assets
92.5%
Age of the figures
5 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-04-2026 was due by 30-11-2026 and was filed on 09-07-2026, 144 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2026
144 d early
2025
137 d early
2024
10 d early
2023
on the day
2022
5 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-04-2027 and is due by 30-11-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today30-04-2027 close30-11-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€105k▼ 50.6%
2025 · €213k
2022: €76k
2023: €174k
2024: €427k
2025: €213k
2022 → 2026
Total assets
€206k▼ 57.3%
2025 · €482k
2022: €396k
2023: €517k
2024: €701k
2025: €482k
2022 → 2026
Net result
€190k▲ 138%
2025 · €80k
2022: €74k
2023: €97k
2024: €253k
2025: €80k
2022 → 2026
Working capital
€146k▼ 51.9%
2025 · €303k
2022: €-28k
2023: €-44k
2024: €567k
2025: €303k
2022 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€76k-€174k▲ 127%€427k▲ 146%€213k▼ 50.2%€105k▼ 50.6%
Operating result€105k-€126k▲ 20.4%€325k▲ 158%€91k▼ 72.0%€247k▲ 171%
Net result€74k-€97k▲ 31.7%€253k▲ 160%€80k▼ 68.4%€190k▲ 138%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2026; 2026 is 171% above 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €206k
Fixed assets
€1k▼ 19.8%
Current assets
€204k▼ 57.5%
Equity and liabilities €206k
Equity
€105k▼ 50.6%
Debt
€100k▼ 62.7%
The debt ratio falls from 55.9% to 48.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€248k▲
2025 · €92k
Cash flow
€191k▲
2025 · €80k
Solvency
51.1%▲
2025 · 44.1%
Current ratio
3.51▲
2025 · 2.72
Quick ratio
3.51▲
2025 · 2.72
Debt / equity
0.96▼
2025 · 1.27
ROE
181.0%▲
2025 · 37.6%
ROA
92.5%▲
2025 · 16.6%
Interest coverage
167.58▲
2025 · 27.97
Debt
€100k▼
2025 · €269k
Debt ≤ 1 year
€58k▼
2025 · €176k
Debt > 1 year
€42k▼
2025 · €93k
Income taxes
€60k▲
2025 · €22k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€482k€206k▼
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€1k€888▼
Plant, machinery and equipment23€1k€888▼
Financial fixed assets28€500€500=
Current assets29/58€480k€204k▼
Amounts receivable within one year40/41€410€4k▲
Trade receivables40€0-
Other amounts receivable41€410€4k▲
Current investments50/53€350k€175k▼
Cash at bank and in hand54/58€127k€25k▼
Deferred charges and accrued income490/1€2k€0▼
Equity and liabilities
Total equity and liabilities10/49€482k€206k▼
Equity10/15€213k€105k▼
Contributions10/11€3k€3k=
Reserves13€210k€103k▼
Distributable reserves133€210k€103k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€269k€100k▼
Amounts payable after more than one year17€93k€42k▼
Financial debts170/4€93k€42k▼
Amounts payable within one year42/48€176k€58k▼
Current portion of amounts payable after more than one year42€50k€50k▲
Financial debts43€0€3k▲
Credit institutions430/8€0€3k▲
Trade debts44€7k€4k▼
Suppliers440/4€7k€4k▼
Taxes, remuneration and social security45€2k€2k=
Taxes450/3€2k€2k=
Other amounts payable47/48€118k€173▼
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€343€343=
Other operating charges640/8€825€1k▲
Gross operating margin9900€92k€249k▲
Operating profit (loss)9901€91k€247k▲
Financial income75/76B€14k€4k▼
Recurring financial income75€14k€4k▼
Financial charges65/66B€3k€1k▼
Recurring financial charges65€3k€1k▼
Profit (loss) for the period before taxes9903€102k€250k▲
Income taxes67/77€22k€60k▲
Profit (loss) for the period9904€80k€190k▲
Profit (loss) for the period to be appropriated9905€80k€190k▲
Appropriation of the result
Profit (loss) to be appropriated9906€80k€190k▲
Transfer from equity791/2€214k€118k▼
Transfer to equity691/2€0€10k▲
To other reserves6921€0€10k▲
Profit to be distributed694/7€294k€298k▲
Return on contributions (dividend)694€294k€298k▲
The notes to these accounts (10 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 2027, expected by
2026
09-07
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
20-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-04
Financial
Highest result since 2022net €253k ▲160%
Operating result €325k, net result €253k, both a record.
30-04
Financial
Liquidity times 7current ratio 5.29
Current ratio from 0.71 to 5.29; short-term debt falls from €152k to €132k.
30-04
Financial
Equity above €200kEq €427k ▲146%
3 profitable years in a row build equity to €427k.
2023
30-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-04
Financial
Equity above €150kEq €174k ▲127%
2 profitable years in a row build equity to €174k.
2022
25-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Mechelen · 1 establishment unit since 2020
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.
Stuivenbergbaan 172800 MechelenGround area
596 m²
Building footprint
108 m²
Volume, LiDAR
707 m³
Parcel 12404F0584/00N000, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Stuivenbergbaan 17, 2800 Mechelen
since 20202.312.689.341
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12404F0584/00N000 | Flanders | 596 m² | 1 · 108 m² | 10.4 m · 2 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
DESTREBECQ CONSUTING
BE 0543.359.752
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GDSDD Consulting
BE 1007.928.780
Schaarbeek · Eq €105k
JLCP Management
BE 1009.921.537
Sprimont · Eq €105k
ExOpe
BE 0755.570.513
Esneux · Eq €105k
SUMMIT INVEST
BE 1003.485.289
Antwerpen · Eq €105k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 40,677 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-2020
Fiscal year end30-04
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.