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MFin

Active
Private limited companyfounded 20206 yrs activeHoutsniplaan 13, 1970 Wezembeek-Oppem, BelgiumKBO/BCE: BE 0741.673.183
Summary

MFin has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €38,703 and a net result of €194,334. Equity is shrinking by ~26.1% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 17% of 8997 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
MFinActiveChecked score 89/100
Risk analysis ReportCompare

Overview

Activity
Office administrative and support services
NACE 82100NACE 82110
1 site
Size
€543,718total assets 2025
Equity
€38,703
Profit
€194,334
Turnover not published (abridged schema)
Financial health
89 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Accounts 85 d early0 of 1 deed read
Why 89- Equity €38,703 (7.1% of total assets)+ Sector Office administrative, office support and other business support activities (NACE 82)+ Size: total assets €543,718+ Liquidity: current ratio 0.59, cash €94,579, halvedShow the evidence

Checked score

Score 2025
89 / 100
Excellent
Probability in this band: under 0.55%
Better than 37% of its sector peers (NACE 82, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 32+3
equity 7.1% of total assets
Liquidity 30-17
short-term debt 76.6% · cash 17.4%
Profitability 100+7
return on assets 35.7%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (12,482 companies)
Last 24 months 11-2024: < 0.1%lowest value 12-2024: < 0.1%● 0.0% vs 11-2024lowest value 01-2025: < 0.1%▲ +4.7% vs 12-2024 02-2025: < 0.1%▲ +4.4% vs 01-2025 03-2025: 0.1%▲ +6.4% vs 02-2025 04-2025: 0.1%▲ +30.0% vs 03-2025 05-2025: 0.1%● 0.0% vs 04-2025 06-2025: 0.1%● 0.0% vs 05-2025 07-2025: 0.1%● 0.0% vs 06-2025 08-2025: 0.1%▲ +3.1% vs 07-2025 09-2025: 0.1%▲ +3.0% vs 08-2025 10-2025: 0.1%● 0.0% vs 09-2025 11-2025: 0.1%▲ +1.4% vs 10-2025 12-2025: 0.1%▲ +4.3% vs 11-2025 01-2026: 0.1%▲ +12.3% vs 12-2025 02-2026: 0.1%▲ +14.6% vs 01-2026 03-2026: 0.2%▲ +60.6% vs 02-2026 04-2026: 0.2%▲ +1.3% vs 03-2026highest value 05-2026: 0.2%● 0.0% vs 04-2026highest value 06-2026: 0.1%▼ -7.2% vs 05-2026 07-2026: 0.1%● 0.0% vs 06-2026 08-2026: 0.1%● 0.0% vs 07-2026 09-2026: 0.1%● 0.0% vs 08-2026 10-2026: 0.1%▼ -0.7% vs 09-2026
  • Sector Office administrative, office support and other business support activities (NACE 82) lowers the probability
  • Size: total assets €543,718 lowers the probability for this profile
  • Equity €38,703 (7.1% of total assets) raises the probability
  • Liquidity: current ratio 0.59, cash €94,579, halved lowers the probability
Credit up to €3,000 at 30 days acceptable
Liquidity short (current ratio 0.59 against 0.85 in 2024; short-term debt: 76.6% and cash: 17.4% of total assets), and 92.9% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 82, micro). Better than this share of them on solvency 19%, liquidity 17%, profitability 87%, growth against the median 25%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Sector Office administrative, office support and other business support activities (NACE 82)
In the bankruptcy model this factor lowers the probability.
KBO
lowers risk · Size: total assets €543,718
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Equity €38,703 (7.1% of total assets)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Liquidity: current ratio 0.59, cash €94,579, halved
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 8997 sector peers (2025).
NBB · sector comparison
Position among 8997 sector peers
Solvency
better than 17%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 04-02-2026, 85 days ahead of the deadline.
NBB · 5 filings
Deviation from the deadline
2025
85 d early
2024
58 d early
2023
4 d early
2022
12 d early
2021
31 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 38 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 30 March (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 close03-10-2026 today30-04-2027 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
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Weakest financial yearnet €194,334 ▼13.3%
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Positive: Among the best 5% on net resultsector median €16,253 · 8,989 companies €194,334 View
  • Positive: Always filed on timeaccounts within the deadline every year 5 years View
  • Positive: 5 profitable years in a rowprofit 2025: €194,334 5 years View

By topic

Financials

Fiscal year
2025
Total assets
€543,718
Profit
€194,334
Solvency
7.1%
Total assets▼ 53.0%
Net result
20212025
Go to Financials

Timeline

Events
8
Since
2022
Next accounts
by 30-04-2027
  1. 04-02-2026Annual accounts filed
  2. 30-09-2025Weakest financial year
  3. 03-03-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Office administrative and support servicesNACE 82100
Founded
16-01-2020
Year ends
30-09
Peppol
Reachable for e-invoices
Go to Company details

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