MERCI 143

Active

Private limited companyfounded 20223 yrs activeRue de la Loi(L.L) 43, 7100 La Louvière, BelgiumKBO/BCE: BE 0793.563.829

The computed 12-month bankruptcy probability of MERCI 143 is 5.7% (elevated). The 2024 annual accounts show negative equity (€-7k) and a net result of €-7k. Its solvency ranks better than 16% of 26053 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

20 / 100

Critical

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability0▼-39

Solvency3▼-23

Growth54

Track record94

Bankruptcy probability, 12 months

5.7% Elevated

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity ample (current ratio 2.16 against 4.72 in 2023; short-term debt: 44.2% and cash: 5.1% of total assets), but equity is negative.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Eight signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 2024

Solvency, return and age of the figures

Solvency

-21.9%

Return on assets

-22.5%

Age of the figures

20 mo

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Negative equity

The 2024 annual accounts show negative equity and a net loss.

NBB · annual accounts 2024

Equity per financial year

2324

2023 to 2024 · latest year €-7k

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-08-2025, 4 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 · 2 filings

Deviation from the deadline

2025

not confirmed

2024

4 d late

2023

2 d late

← before the deadline after the deadline →

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

Financials · fiscal year 2024, micro schema

Turnover

€659k▲ 19.4%

2023 · €552k

2023: €552k

2023 → 2024

EBIT margin

-1.1%▼ 1.2pp

2023 · 0.0%

2023: 0.0%

2023 → 2024

Net result

€-7k

2023 · €187

2023: €187

2023 → 2024

Working capital

€17k▼ 30.5%

2023 · €24k

2023: €24k

2023 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20232024Trend

Turnover€552k-€659k▲ 19.4%

Equity€187-€-7k

Operating result€251-€-7k

Net result€187-€-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 2024: a loss of €7k after €251 in 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €33k

95.5%

Fixed assets €2k=

Current assets €32k▲ 2.1%

Key figures and ratios

2024 value · change against 2023

Solvency

-21.9%▼

2023 · 0.6%

Current ratio

2.16▼

2023 · 4.72

Quick ratio

0.14▼

2023 · 1.08

Debt / equity

-5.57

ROA

-22.5%▼

2023 · 0.6%

Debt

€40k▲

2023 · €32k

Debt ≤ 1 year

€15k▲

2023 · €7k

Debt > 1 year

€26k=

2023 · €26k

Staff costs

€52k▲

2023 · €34k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€33k€33k▲

Fixed assets21/28€2k€2k=

Financial fixed assets28€2k€2k=

Current assets29/58€31k€32k▲

Stocks and contracts in progress3€24k€30k▲

Stocks30/36€24k€30k▲

Amounts receivable within one year40/41€6k-

Other amounts receivable41€6k-

Cash at bank and in hand54/58€2k€2k▲

Deferred charges and accrued income490/1-€393

Equity and liabilities

Total equity and liabilities10/49€33k€33k▲

Equity10/15€187€-7k▼

Profit (loss) carried forward14€187€-7k▼

Amounts payable17/49€32k€40k▲

Amounts payable after more than one year17€26k€26k=

Other amounts payable178/9€26k€26k=

Amounts payable within one year42/48€7k€15k▲

Trade debts44€279€790▲

Suppliers440/4€279€790▲

Taxes, remuneration and social security45€6k€11k▲

Taxes450/3€1k€5k▲

Remuneration and social security454/9€5k€7k▲

Other amounts payable47/48-€2k

Income statement Code20232024

Turnover70€552k€659k▲

Goods, raw materials, services and sundry goods60/61€517k€629k▲

Remuneration, social security and pensions62€34k€52k▲

Other operating charges640/8-€406

Gross operating margin9900€35k€45k▲

Operating profit (loss)9901€251€-7k▼

Financial income75/76B€96-

Recurring financial income75€96-

Financial charges65/66B€114€92▼

Recurring financial charges65€114€92▼

Profit (loss) for the period before taxes9903€233€-7k▼

Income taxes67/77€47-

Profit (loss) for the period9904€187€-7k▼

Profit (loss) for the period to be appropriated9905€187€-7k▼

Appropriation of the result

Profit (loss) to be appropriated9906€187€-7k▼

Profit (loss) brought forward from the previous period14P-€187

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

2025

04-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 4 days late

2024

02-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 2 days late

NBB filing

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, La Louvière · 2 establishment units since 2023

establishment All 2 establishment units on the map

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.

Rue de la Loi(L.L) 437100 La Louvière

Ground area

343 m²

Building footprint

224 m²

Volume, LiDAR

2,322 m³

3 parcels, Wallonia · tallest building 16.1 m, ±5 floors. Linked by address, not a title deed.

2 establishment units

Rue de Nalinnes 57, 6001 Charleroi

Retail trade

since 20232.342.636.805

Rue des Wayins 3-1, 6044 Charleroi

Retail trade

since 20232.342.637.595

3 parcels

Wallonia 3 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
52392D0063/00F002	Wallonia	139 m²	1 · 63 m²	10.1 m · 3 fl.
55372D0033/00B017	Wallonia	109 m²	1 · 73 m²	16.1 m · 5 fl.
52061B0790/00A002	Wallonia	95 m²	1 · 88 m²	12.2 m · 3 fl.