Mernier Management et Construction
ActiveMernier Management et Construction has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €335k and a net result of €70k. Equity is growing by ~22.2% per year across the filed fiscal years. Its solvency ranks better than 28% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
83
/ 100
Excellent▼ -3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency43▼-10
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.12 against 1.48 in 2024), and 73.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
26.3%
Return on assets
5.5%
Age of the figures
15 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
23 d late
2022
4 d early
2021
18 d early
2020
19 d early
2019
2 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
30-06-2026 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€335k▼ 2.4%
2024 · €343k
2019: €62k
2020: €98k
2021: €176k
2022: €239k
2023: €274k
2024: €343k
2019 → 2025
Total assets
€1.27M▲ 2.0%
2024 · €1.25M
2019: €75k
2020: €886k
2021: €874k
2022: €930k
2023: €1.22M
2024: €1.25M
2019 → 2025
Net result
€70k▲ 1.9%
2024 · €68k
2019: €16k
2020: €35k
2021: €78k
2022: €63k
2023: €35k
2024: €68k
2019 → 2025
Working capital
€16k▼ 42.8%
2024 · €29k
2019: €44k
2020: €-594k
2021: €12k
2022: €25k
2023: €-11k
2024: €29k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€176k-€239k▲ 36.1%€274k▲ 14.8%€343k▲ 25.0%€335k▼ 2.4%
Operating result€116k-€98k▼ 15.8%€64k▼ 34.2%€116k▲ 79.2%€117k▲ 1.2%
Net result€78k-€63k▼ 18.7%€35k▼ 44.4%€68k▲ 94.1%€70k▲ 1.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 1% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.27M
Fixed assets
€1.12M▼ 3.4%
Current assets
€153k▲ 72.7%
Equity and liabilities €1.27M
Equity
€335k▼ 2.4%
Debt
€938k▲ 3.7%
The debt ratio rises from 72.5% to 73.7%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€158k▲
2024 · €157k
Cash flow
€111k▲
2024 · €110k
Solvency
26.3%▼
2024 · 27.5%
Current ratio
1.12▼
2024 · 1.48
Quick ratio
1.12▼
2024 · 1.48
Debt / equity
2.80▲
2024 · 2.64
ROE
20.9%▲
2024 · 20.0%
ROA
5.5%▼
2024 · 5.5%
Interest coverage
8.68▲
2024 · 8.21
Debt
€938k▲
2024 · €905k
Debt ≤ 1 year
€137k▲
2024 · €60k
Debt > 1 year
€800k▼
2024 · €844k
Income taxes
€29k▲
2024 · €28k
Staff costs
€16k▲
2024 · €10k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.25M€1.27M▲
Fixed assets21/28€1.16M€1.12M▼
Tangible fixed assets22/27€1.16M€1.12M▼
Land and buildings22€1.13M€1.10M▼
Furniture and vehicles24€25k€17k▼
Financial fixed assets28€344€355▲
Current assets29/58€89k€153k▲
Amounts receivable within one year40/41€33k€2k▼
Trade receivables40€25k€2k▼
Other amounts receivable41€8k€116▼
Cash at bank and in hand54/58€54k€148k▲
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€1.25M€1.27M▲
Equity10/15€343k€335k▼
Contributions10/11€6k€6k=
Reserves13€247k€239k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€245k€237k▼
Profit (loss) carried forward14€90k€90k=
Amounts payable17/49€905k€938k▲
Amounts payable after more than one year17€844k€800k▼
Financial debts170/4€844k€800k▼
Amounts payable within one year42/48€60k€137k▲
Current portion of amounts payable after more than one year42€44k€46k▲
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€8k€15k▲
Taxes450/3€8k€15k▲
Other amounts payable47/48€5k€74k▲
Accrued charges and deferred income492/3€43€895▲
Income statement
Code20242025
Remuneration, social security and pensions62€10k€16k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€42k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€169k€176k▲
Operating profit (loss)9901€116k€117k▲
Financial charges65/66B€19k€18k▼
Recurring financial charges65€19k€18k▼
Profit (loss) for the period before taxes9903€96k€99k▲
Income taxes67/77€28k€29k▲
Profit (loss) for the period9904€68k€70k▲
Profit (loss) for the period to be appropriated9905€68k€70k▲
Appropriation of the result
Profit (loss) to be appropriated9906€158k€159k▲
Profit (loss) brought forward from the previous period14P€90k€90k=
Transfer from equity791/2-€78k
Transfer to equity691/2€68k€70k▲
To other reserves6921€68k€70k▲
Profit to be distributed694/7-€78k
Return on contributions (dividend)694-€78k
The notes to these accounts (11 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Equity above €200kEq €239k ▲36.1%
4 profitable years in a row build equity to €239k.
13-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Highest result since 2019net €78k ▲121%
Net result €78k, the highest in the series.
30-06
Financial
Liquidity times 5current ratio 1.23
Current ratio from 0.25 to 1.23; short-term debt falls from €788k to €51k.
30-06
Financial
Equity above €150kEq €176k ▲80%
3 profitable years in a row build equity to €176k.
12-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
10-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
09-01
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Fernelmont · 1 establishment unit since 2013
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 Massart, Nov. 265380 FernelmontGround area
1,563 m²
Building footprint
136 m²
Parcel 92096A0175/00N000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue Massart, Nov. 26, 5380 Fernelmont
since 20132.217.809.087
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92096A0175/00N000 | Wallonia | 1,563 m² | 1 · 136 m² | - |
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.
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Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 37,368 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-02-2013
Fiscal year end30-06
Abbreviation FR
MMC
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.