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MFI HOLDING

Active Risk: not assessed
Private limited companyfounded 20233 yrs activeRue du Tronquoy, ZI, Nov. 9, 5380 Fernelmont, BelgiumKBO/BCE: BE 0805.935.188
Summary

MFI HOLDING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €345,348 and a net result of €119,261. Its solvency ranks better than 19% of 2444 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals

1 signal. The signal on the left, the evidence on the right.
○neutral
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 09-12-2025, 53 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
53 d early
2024
42 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 48 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.

Checked, nothing found (2)
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 months
Position in the running window
30-06-2026 close29-09-2026 today31-01-2027 deadline
neutral · 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

History

MFI HOLDING was incorporated on 18 September 2023 as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, full schema

Equity
€345,348▲ 52.7%
2024 · €226,088
Net result
€119,261▲ 28.8%
2024 · €92,588
Total assets
€1.5m▲ 4.0%
2024 · €1.4m
Solvency
23.5%▲ 7.5pp
2024 · 16.0%
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20242025
Operating result€27,442-€32,482▲ 18.4%
Net result€92,588within the sector's middle half-€119,261within the sector's middle half▲ 28.8%
Equity€226,088below the sector's middle half-€345,348below the sector's middle half▲ 52.7%
Total assets€1.4mbelow the sector's middle half-€1.5mbelow the sector's middle half▲ 4.0%
Debt€1.2m-€1.1m▼ 5.3%
Working capital-€9,299within the sector's middle half-€32,174within the sector's middle half
Solvency16.0%below the sector's middle half-23.5%below the sector's middle half▲ 7.5pp
Current ratio0.89within the sector's middle half-1.32within the sector's middle half▲ 0.43
Return on assets (ROA)6.6%within the sector's middle half-8.1%above the sector's middle half▲ 1.6pp
above within below the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
€0€50,000€100,000Operating result 2024: €27,442€27,442Net result 2024: €92,588€92,588Operating result 2025: €32,482€32,482Net result 2025: €119,261€119,26120242025€0€50,000€100,000Operating result 2024: €27,442€27,400Net result 2024: €92,588€92,600Operating result 2025: €32,482€32,500Net result 2025: €119,261€119,00020242025
The operating result rises in 2025; 2025 is 18% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.5m
Fixed assets €1.3m =
Current assets €132,690 ▲ 73.0%
Equity and liabilities €1.5m
Equity €345,348 ▲ 52.7%
Debt €1.1m ▼ 5.3%
Debt's share of the balance-sheet total falls from 84.0% to 76.5%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
ROE
34.5%▼
2024 · 41.0%
Debt ≤ 1 year
€100,515▲
2024 · €86,003
Debt > 1 year
€1.0m▼
2024 · €1.1m
Income taxes
€12,780▲
2024 · €9,709
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet Code20242025
Assets
Total assets20/58€1.4m€1.5m▲
Fixed assets21/28€1.3m€1.3m=
Financial fixed assets28€1.3m€1.3m=
Current assets29/58€76,704€132,690▲
Amounts receivable within one year40/41€24,614€71,140▲
Trade receivables40€11,598€11,598=
Other amounts receivable41€13,017€59,542▲
Cash at bank and in hand54/58€51,990€61,550▲
Deferred charges and accrued income490/1€100-
Equity and liabilities
Total equity and liabilities10/49€1.4m€1.5m▲
Equity10/15€226,088€345,348▲
Contributions10/11€133,500€133,500=
Reserves13€92,500€211,750▲
Distributable reserves133€92,500€211,750▲
Profit (loss) carried forward14€88€98▲
Amounts payable17/49€1.2m€1.1m▼
Amounts payable after more than one year17€1.1m€1.0m▼
Financial debts170/4€387,924€320,232▼
Other amounts payable178/9€701,500€691,500▼
Amounts payable within one year42/48€86,003€100,515▲
Current portion of amounts payable after more than one year42€65,012€67,691▲
Trade debts44-€9,363
Suppliers440/4-€9,363
Taxes, remuneration and social security45€20,991€23,461▲
Taxes450/3€20,991€23,461▲
Accrued charges and deferred income492/3€10,190€10,094▼
Income statement Code20242025
Other operating charges640/8-€781
Gross operating margin9900€27,442€33,263▲
Operating profit (loss)9901€27,442€32,482▲
Financial income75/76B€100,000€130,000▲
Recurring financial income75€100,000€130,000▲
Financial charges65/66B€25,145€30,442▲
Recurring financial charges65€25,145€30,442▲
Profit (loss) for the period before taxes9903€102,297€132,040▲
Income taxes67/77€9,709€12,780▲
Profit (loss) for the period9904€92,588€119,261▲
Profit (loss) for the period to be appropriated9905€92,588€119,261▲
Appropriation of the result
Profit (loss) to be appropriated9906€92,588€119,348▲
Profit (loss) brought forward from the previous period14P-€88
Transfer to equity691/2€92,500€119,250▲
To other reserves6921€92,500€119,250▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20242025Change
Other operating charges640/8-€781-
Gross operating margin9900€27,442€33,263▲ 21.2%
Operating profit (loss)9901€27,442€32,482▲ 18.4%
Financial income75/76B€100,000€130,000▲ 30.0%
Recurring financial income75€100,000€130,000▲ 30.0%
Financial charges65/66B€25,145€30,442▲ 21.1%
Recurring financial charges65€25,145€30,442▲ 21.1%
Profit (loss) for the period before taxes9903€102,297€132,040▲ 29.1%
Income taxes67/77€9,709€12,780▲ 31.6%
Profit (loss) for the period9904€92,588€119,261▲ 28.8%
Profit (loss) for the period to be appropriated9905€92,588€119,261▲ 28.8%
Line20242025Change
Assets
Total assets20/58€1.4m€1.5m▲ 4.0%
Fixed assets21/28€1.3m€1.3m=
Financial fixed assets28€1.3m€1.3m=
Current assets29/58€76,704€132,690▲ 73.0%
Amounts receivable within one year40/41€24,614€71,140▲ 189%
Trade receivables40€11,598€11,598=
Other amounts receivable41€13,017€59,542▲ 357%
Cash at bank and in hand54/58€51,990€61,550▲ 18.4%
Deferred charges and accrued income490/1€100--
Equity and liabilities
Total equity and liabilities10/49€1.4m€1.5m▲ 4.0%
Equity10/15€226,088€345,348▲ 52.7%
Contributions10/11€133,500€133,500=
Reserves13€92,500€211,750▲ 129%
Distributable reserves133€92,500€211,750▲ 129%
Profit (loss) carried forward14€88€98▲ 12.1%
Amounts payable17/49€1.2m€1.1m▼ 5.3%
Amounts payable after more than one year17€1.1m€1.0m▼ 7.1%
Financial debts170/4€387,924€320,232▼ 17.4%
Other amounts payable178/9€701,500€691,500▼ 1.4%
Amounts payable within one year42/48€86,003€100,515▲ 16.9%
Current portion of amounts payable after more than one year42€65,012€67,691▲ 4.1%
Trade debts44-€9,363-
Suppliers440/4-€9,363-
Taxes, remuneration and social security45€20,991€23,461▲ 11.8%
Taxes450/3€20,991€23,461▲ 11.8%
Accrued charges and deferred income492/3€10,190€10,094▼ 0.9%
Line20242025Change
Profit (loss) for the period9904€92,588€119,261▲ 28.8%
Operating cash flow (approximation)€92,588€119,261▲ 28.8%
Investment in fixed assets (approximation)-€0-
Change in cash-€9,560-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-01-2027
2025
09-12
NBB filing Annual accounts filed
fiscal year 2025 · full schema
2024
20-12
NBB filing Annual accounts filed
fiscal year 2024 · full schema
NBB filing
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, Fernelmont · 1 establishment unit since 2023
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 du Tronquoy, ZI, Nov. 95380 Fernelmont
1 establishment unit
MFI HOLDING
Rue du Tronquoy, ZI, Nov. 9, 5380 FernelmontHoldings
since 20232.349.654.556

Structure & network

Owners and holdings

1 holding

Owners 0

The accounts to 30-06-2025 list no shareholders, and no other source names one.

Holdings 1

According to the annual accounts to 30-06-2025 of MFI HOLDING and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Similar companies · same sector, comparable size

Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 13,782 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
Founded18-09-2023
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
Contact
E-mail sophie@mfisoudure.be
Phone +32494843268
E-invoicing
Reachable via Peppol
Peppol ID 0208:0805935188
Registered 27-03-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.