MDYmmo
ActiveSummary
The computed 12-month bankruptcy probability of MDYmmo is 2.4% (moderate). The 2025 annual accounts show equity of €81k and a net result of €-20k. Equity is growing by ~24.8% per year across the filed fiscal years. Its solvency ranks better than 56% of 7500 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability3▼-97
Solvency74▲+5
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 12.16 against 1.77 in 2024; short-term debt: 8.1% and cash: 21.4% of total assets), but 50.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
49.3%
Return on assets
-12.4%
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 30-07-2026, 1 day ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
1 d early
2024
31 d early
2023
13 d early
2022
10 d early
2021
11 d early
2020
23 d early
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€81k▼ 20.1%
2024 · €102k
2020: €10klowest in 6 years
2021: €35k▲ +236% vs 2020
2022: €37k▲ +6.1% vs 2021
2023: €90k▲ +141% vs 2022
2024: €102k▲ +13.6% vs 2023highest in 6 years
2025: €81k▼ -20.1% vs 2024
2020 → 2025
Total assets
€165k▼ 28.5%
2024 · €231k
2020: €18klowest in 6 years
2021: €69k▲ +284% vs 2020
2022: €217k▲ +215% vs 2021
2023: €210k▼ -3.2% vs 2022
2024: €231k▲ +10.0% vs 2023highest in 6 years
2025: €165k▼ -28.5% vs 2024
2020 → 2025
Net result
€-20k
2024 · €58k
2020: €458
2021: €25k▲ +5278% vs 2020
2022: €2k▼ -91.3% vs 2021
2023: €61k▲ +2739% vs 2022highest in 6 years
2024: €58k▼ -4.3% vs 2023
2025: €-20k▼ -135% vs 2024lowest in 6 years
2020 → 2025
Working capital
€149k▲ 51.7%
2024 · €99k
2020: €7klowest in 6 years
2021: €27k▲ +258% vs 2020
2022: €169k▲ +532% vs 2021highest in 6 years
2023: €83k▼ -50.7% vs 2022
2024: €99k▲ +18.6% vs 2023
2025: €149k▲ +51.7% vs 2024
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€35k-€37k▲ 6.1%€90k▲ 141%€102k▲ 13.6%€81k▼ 20.1%
2021: €35klowest in 5 years
2022: €37k▲ +6.1% vs 2021
2023: €90k▲ +141% vs 2022
2024: €102k▲ +13.6% vs 2023highest in 5 years
2025: €81k▼ -20.1% vs 2024
Operating result€32k-€5k▼ 83.9%€94k▲ 1,706%€81k▼ 13.7%€-21k
2021: €32k
2022: €5k▼ -83.9% vs 2021
2023: €94k▲ +1706% vs 2022highest in 5 years
2024: €81k▼ -13.7% vs 2023
2025: €-21k▼ -126% vs 2024lowest in 5 years
Net result€25k-€2k▼ 91.3%€61k▲ 2,739%€58k▼ 4.3%€-20k
2021: €25k
2022: €2k▼ -91.3% vs 2021
2023: €61k▲ +2739% vs 2022highest in 5 years
2024: €58k▼ -4.3% vs 2023
2025: €-20k▼ -135% vs 2024lowest in 5 years
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 €21k after €81k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €165k
Fixed assets
€2k ▼ 44.4%
Current assets
€163k ▼ 28.0%
Equity and liabilities €165k
Equity
€81k ▼ 20.1%
Debt
€84k ▼ 35.1%
Debt's share of the balance-sheet total falls from 55.9% to 50.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-19k▼
2024 · €86k
Cash flow
€-19k▼
2024 · €64k
Current ratio
12.16▲
2024 · 1.77
Quick ratio
3.02▲
2024 · 1.77
Debt to equity
1.03▼
2024 · 1.27
ROE
-25.1%▼
2024 · 57.2%
ROA
-12.4%▼
2024 · 25.2%
Interest coverage
-43.64▼
2024 · 22.22
Debt ≤ 1 year
€13k▼
2024 · €128k
Debt > 1 year
€70k
Income taxes
€0▼
2024 · €20k
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 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€231k€165k▼
Formation expenses20€466€0▼
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€2k€2k▲
Plant, machinery and equipment23-€762
Furniture and vehicles24€2k€2k▼
Financial fixed assets28€2k€0▼
Current assets29/58€226k€163k▼
Stocks and contracts in progress3€0€122k▲
Stocks30/36€0€122k▲
Amounts receivable within one year40/41€2k€4k▲
Trade receivables40€1k€2k▲
Other amounts receivable41€917€2k▲
Cash at bank and in hand54/58€223k€35k▼
Deferred charges and accrued income490/1€1k€757▼
Equity and liabilities
Total equity and liabilities10/49€231k€165k▼
Equity10/15€102k€81k▼
Contributions10/11€10k€10k=
Reserves13€92k€71k▼
Distributable reserves133€92k€71k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€129k€84k▼
Amounts payable after more than one year17-€70k
Financial debts170/4-€70k
Amounts payable within one year42/48€128k€13k▼
Financial debts43€9k€0▼
Credit institutions430/8€9k€0▼
Trade debts44€3k€6k▲
Suppliers440/4€3k€6k▲
Taxes, remuneration and social security45€70k€7k▼
Taxes450/3€70k€7k▼
Other amounts payable47/48€47k€0▼
Accrued charges and deferred income492/3€2k€487▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€1k▼
Other operating charges640/8€536€3k▲
Gross operating margin9900€87k€-17k▼
Operating profit (loss)9901€81k€-21k▼
Financial income75/76B€1k€622▼
Recurring financial income75€1k€622▼
Financial charges65/66B€4k€439▼
Recurring financial charges65€4k€439▼
Profit (loss) for the period before taxes9903€78k€-20k▼
Income taxes67/77€20k€0▼
Profit (loss) for the period9904€58k€-20k▼
Profit (loss) for the period to be appropriated9905€58k€-20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€58k€-20k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€0€20k▲
Transfer to equity691/2€12k€0▼
To other reserves6921€12k€0▼
Profit to be distributed694/7€46k€0▼
Return on contributions (dividend)694€46k€0▼
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €4k | €5k | €5k | €1k | ▼ 73.6% |
| Other operating charges640/8 | €377 | €2k | €533 | €536 | €3k | ▲ 375% |
| Gross operating margin9900 | €34k | €11k | €100k | €87k | €-17k | ▼ 119% |
| Operating profit (loss)9901 | €32k | €5k | €94k | €81k | €-21k | ▼ 126% |
| Financial income75/76B | €914 | €614 | €1k | €1k | €622 | ▼ 39.7% |
| Recurring financial income75 | €914 | €614 | €1k | €1k | €622 | ▼ 39.7% |
| Financial charges65/66B | €283 | €3k | €12k | €4k | €439 | ▼ 88.7% |
| Recurring financial charges65 | €283 | €3k | €12k | €4k | €439 | ▼ 88.7% |
| Profit (loss) for the period before taxes9903 | €33k | €3k | €83k | €78k | €-20k | ▼ 126% |
| Income taxes67/77 | €8k | €528 | €22k | €20k | €0 | ▼ 100% |
| Profit (loss) for the period9904 | €25k | €2k | €61k | €58k | €-20k | ▼ 135% |
| Profit (loss) for the period to be appropriated9905 | €25k | €2k | €61k | €58k | €-20k | ▼ 135% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €69k | €217k | €210k | €231k | €165k | ▼ 28.5% |
| Formation expenses20 | €2k | €2k | €1k | €466 | €0 | ▼ 100% |
| Fixed assets21/28 | €9k | €8k | €6k | €4k | €2k | ▼ 44.4% |
| Tangible fixed assets22/27 | €9k | €6k | €4k | €2k | €2k | ▲ 0.9% |
| Plant, machinery and equipment23 | - | - | - | - | €762 | - |
| Furniture and vehicles24 | €818 | €468 | €4k | €2k | €2k | ▼ 30.1% |
| Leasing and similar rights25 | €9k | €5k | €0 | - | - | - |
| Financial fixed assets28 | - | €2k | €2k | €2k | €0 | ▼ 100% |
| Current assets29/58 | €57k | €207k | €202k | €226k | €163k | ▼ 28.0% |
| Stocks and contracts in progress3 | - | €182k | €68k | €0 | €122k | - |
| Stocks30/36 | - | €182k | €68k | €0 | €122k | - |
| Amounts receivable within one year40/41 | €15k | €6k | €12k | €2k | €4k | ▲ 109% |
| Trade receivables40 | €12k | €3k | €12k | €1k | €2k | ▲ 63.6% |
| Other amounts receivable41 | €3k | €3k | €0 | €917 | €2k | ▲ 164% |
| Cash at bank and in hand54/58 | €42k | €19k | €114k | €223k | €35k | ▼ 84.1% |
| Deferred charges and accrued income490/1 | €194 | €44 | €9k | €1k | €757 | ▼ 37.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €69k | €217k | €210k | €231k | €165k | ▼ 28.5% |
| Equity10/15 | €35k | €37k | €90k | €102k | €81k | ▼ 20.1% |
| Contributions10/11 | €10k | €10k | €10k | €10k | €10k | = |
| Reserves13 | €25k | €27k | €80k | €92k | €71k | ▼ 22.3% |
| Distributable reserves133 | €25k | €27k | €80k | €92k | €71k | ▼ 22.3% |
| Profit (loss) carried forward14 | €592 | €235 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €34k | €180k | €120k | €129k | €84k | ▼ 35.1% |
| Amounts payable after more than one year17 | €3k | €139k | €0 | - | €70k | - |
| Financial debts170/4 | €3k | €139k | €0 | - | €70k | - |
| Amounts payable within one year42/48 | €30k | €39k | €119k | €128k | €13k | ▼ 89.5% |
| Current portion of amounts payable after more than one year42 | €5k | €3k | €0 | - | - | - |
| Financial debts43 | - | - | - | €9k | €0 | ▼ 100% |
| Credit institutions430/8 | - | - | - | €9k | €0 | ▼ 100% |
| Trade debts44 | €8k | €10k | €12k | €3k | €6k | ▲ 135% |
| Suppliers440/4 | €8k | €10k | €12k | €3k | €6k | ▲ 135% |
| Taxes, remuneration and social security45 | €8k | €9k | €91k | €70k | €7k | ▼ 89.3% |
| Taxes450/3 | €8k | €9k | €91k | €70k | €7k | ▼ 89.3% |
| Remuneration and social security454/9 | €0 | - | - | - | - | - |
| Other amounts payable47/48 | €9k | €17k | €16k | €47k | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | €448 | €2k | €933 | €2k | €487 | ▼ 69.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €25k | €2k | €61k | €58k | €-20k | ▼ 135% |
| + Depreciation and write-downs630 | €2k | €4k | €5k | €5k | €1k | ▼ 73.6% |
| Operating cash flow (approximation) | €26k | €6k | €66k | €64k | €-19k | ▼ 130% |
| Investment in fixed assets (approximation) | - | €-3k | €-4k | €-3k | €534 | ▲ 115% |
| Change in cash | - | €-22k | €94k | €109k | €-187k | ▼ 272% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-20k
Net result drops to €-20k, the lowest in the series.
31-12
Financial
Liquidity times 7current ratio 12.16
Current ratio from 1.77 to 12.16; short-term debt falls from €128k to €13k.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €102k ▲13.6%
5 profitable years in a row build equity to €102k.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2020net €61k ▲2,739%
Operating result €94k, net result €61k, both a record.
21-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 5.35
Current ratio from 1.88 to 5.35.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Malmedy · 1 establishment unit since 2020
Ground area
104 m²
Building footprint
51 m²
Volume, LiDAR
564 m³
Parcel 63049C0802/00B000, Wallonia · tallest building 11.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
MDYmmo
since 20202.308.379.175
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63049C0802/00B000 | Wallonia | 104 m² | 1 · 51 m² | 11.7 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
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 29,779 companies in sector 41001 we hold annual accounts for 16,044. 13,187 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded02-09-2020
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
25530Machining of metals
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
43230Insulation installation
43310Plastering work
Scores and ratios are computed by Checked and are not a credit decision.