MK28
ActiveSummary
MK28 has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €59,172 and a net result of €1,565. Equity is shrinking by ~10.3% per year across the filed fiscal years. Its solvency ranks better than 66% of 4564 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability41▲+41
Solvency81▼-19
Growth32=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,500 at 30 days acceptable
Liquidity tight (current ratio 1.2 against 12.72 in 2024; short-term debt: 44% and cash: 27% of total assets), and 44% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Services to buildings and landscape activities (NACE 81)
about 79% more bankruptcies
← 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
56%
Return on assets
1.5%
Age of the figures
9 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 · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
30 d late
2024
31 d early
2023
28 d early
2022
31 d early
2021
37 d early
2020
28 d early
2019
25 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 21 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 43% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€59,172▲ 2.7%
2024 · €57,608
Total assets
€105,645▲ 69.0%
2024 · €62,515
Net result
€1,565
2024 · -€26,901
Working capital
€9,172▼ 84.1%
2024 · €57,514
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 81, Services to buildings and landscape activities, 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
Line20212022202320242025
Operating result-€31,485€2,075€2,532▲ 22.1%-€26,985€1,160
Net result-€31,218below the sector's middle half€557within the sector's middle half€2,325within the sector's middle half▲ 317%-€26,901below the sector's middle half€1,565within the sector's middle half
Equity€121,627above the sector's middle half▼ 20.4%€122,184above the sector's middle half▲ 0.5%€84,509within the sector's middle half▼ 30.8%€57,608within the sector's middle half▼ 31.8%€59,172within the sector's middle half▲ 2.7%
Total assets€133,183within the sector's middle half▼ 22.4%€123,098within the sector's middle half▼ 7.6%€125,832within the sector's middle half▲ 2.2%€62,515within the sector's middle half▼ 50.3%€105,645within the sector's middle half▲ 69.0%
Debt€11,556▼ 38.8%€914▼ 92.1%€41,324▲ 4,422%€4,908▼ 88.1%€46,473▲ 847%
Working capital€113,645▼ 20.2%€116,831▲ 2.8%€81,786▼ 30.0%€57,514▼ 29.7%€9,172▼ 84.1%
Solvency91.3%above the sector's middle half▲ 2.3pp99.3%above the sector's middle half▲ 7.9pp67.2%above the sector's middle half▼ 32.1pp92.1%above the sector's middle half▲ 25.0pp56.0%within the sector's middle half▼ 36.1pp
Staff (FTE)
above
within
below
the middle half (P25 to P75) of NACE 81, Services to buildings and landscape activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €1,160 after a loss of €26,985 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €105,645
Fixed assets
€50,000 ▲ 53,502%
Current assets
€55,645 ▼ 10.9%
Equity and liabilities €105,645
Equity
€59,172 ▲ 2.7%
Debt
€46,473 ▲ 847%
Debt's share of the balance-sheet total rises from 7.9% to 44.0%. Equity and debt are higher.
Key figures and ratios
Current ratio
1.20▼
2024 · 12.72
Debt to equity
0.79▲
2024 · 0.09
ROE
2.6%▲
2024 · -46.7%
ROA
1.5%▲
2024 · -43.0%
Debt ≤ 1 year
€46,473▲
2024 · €4,908
Income taxes
€142▼
2024 · €191
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 10,891 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.6%
went bankrupt
4.0%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.0% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 10,891 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €560 | €2,630 | €2,630 | €560 | - | - |
| Other operating charges640/8 | €3,619 | €1,186 | €1,160 | €676 | €643 | ▼ 4.9% |
| Gross operating margin9900 | -€27,306 | €5,890 | €6,322 | -€25,749 | €1,803 | ▲ 107% |
| Operating profit (loss)9901 | -€31,485 | €2,075 | €2,532 | -€26,985 | €1,160 | ▲ 104% |
| Financial income75/76B | €648 | €24 | €140 | €300 | €676 | ▲ 125% |
| Recurring financial income75 | €648 | €24 | €140 | €300 | €676 | ▲ 125% |
| Financial charges65/66B | €202 | €1,355 | €160 | €26 | €129 | ▲ 395% |
| Recurring financial charges65 | €202 | €1,355 | €160 | €26 | €129 | ▲ 395% |
| Profit (loss) for the period before taxes9903 | -€31,038 | €743 | €2,513 | -€26,710 | €1,707 | ▲ 106% |
| Income taxes67/77 | €180 | €186 | €188 | €191 | €142 | ▼ 25.5% |
| Profit (loss) for the period9904 | -€31,218 | €557 | €2,325 | -€26,901 | €1,565 | ▲ 106% |
| Profit (loss) for the period to be appropriated9905 | -€31,218 | €557 | €2,325 | -€26,901 | €1,565 | ▲ 106% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €133,183 | €123,098 | €125,832 | €62,515 | €105,645 | ▲ 69.0% |
| Fixed assets21/28 | €7,982 | €5,353 | €2,723 | €93 | €50,000 | ▲ 53,502% |
| Tangible fixed assets22/27 | €7,982 | €5,353 | €2,723 | €93 | - | - |
| Plant, machinery and equipment23 | €1,772 | €1,213 | €653 | €93 | - | - |
| Furniture and vehicles24 | €6,210 | €4,140 | €2,070 | - | - | - |
| Financial fixed assets28 | - | - | - | - | €50,000 | - |
| Current assets29/58 | €125,201 | €117,745 | €123,109 | €62,422 | €55,645 | ▼ 10.9% |
| Amounts receivable within one year40/41 | €2,607 | €238 | €9,163 | €6,822 | €26,987 | ▲ 296% |
| Trade receivables40 | - | - | €3,482 | €3,482 | €26,780 | ▲ 669% |
| Other amounts receivable41 | €2,607 | €238 | €5,681 | €3,340 | €207 | ▼ 93.8% |
| Cash at bank and in hand54/58 | €120,819 | €115,650 | €111,804 | €55,488 | €28,547 | ▼ 48.6% |
| Deferred charges and accrued income490/1 | €1,775 | €1,857 | €2,143 | €112 | €111 | ▼ 1.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €133,183 | €123,098 | €125,832 | €62,515 | €105,645 | ▲ 69.0% |
| Equity10/15 | €121,627 | €122,184 | €84,509 | €57,608 | €59,172 | ▲ 2.7% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €111,860 | €111,860 | €71,860 | €71,860 | €73,280 | ▲ 2.0% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €110,000 | €110,000 | €70,000 | €70,000 | €71,420 | ▲ 2.0% |
| Profit (loss) carried forward14 | €3,567 | €4,124 | €6,449 | -€20,452 | -€20,308 | ▲ 0.7% |
| Amounts payable17/49 | €11,556 | €914 | €41,324 | €4,908 | €46,473 | ▲ 847% |
| Amounts payable within one year42/48 | €11,556 | €914 | €41,324 | €4,908 | €46,473 | ▲ 847% |
| Trade debts44 | €702 | €97 | €999 | €1,710 | €1,920 | ▲ 12.3% |
| Suppliers440/4 | €702 | €97 | €999 | €1,710 | €1,920 | ▲ 12.3% |
| Taxes, remuneration and social security45 | €10,854 | €817 | €325 | €2,352 | €40 | ▼ 98.3% |
| Taxes450/3 | €10,854 | €817 | €325 | €2,352 | €40 | ▼ 98.3% |
| Other amounts payable47/48 | - | - | €40,000 | €845 | €44,513 | ▲ 5,165% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€31,218 | €557 | €2,325 | -€26,901 | €1,565 | ▲ 106% |
| + Depreciation and write-downs630 | €560 | €2,630 | €2,630 | €560 | - | - |
| Operating cash flow (approximation) | -€30,658 | €3,187 | €4,954 | -€26,341 | €1,565 | ▲ 106% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €2,070 | -€49,907 | ▼ 2,511% |
| Change in cash | - | -€5,169 | -€3,847 | -€56,316 | -€26,941 | ▲ 52.2% |
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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Back to profitnet €1,565
Net result €1,565 after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity quadruplescurrent ratio 12.72
Current ratio from 2.98 to 12.72; short-term debt falls from €41,324 to €4,908.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €557
Net result €557 after one loss-making year.
31-12
Financial
Liquidity times 12current ratio 128.85
Current ratio from 10.83 to 128.85; short-term debt falls from €11,556 to €914.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet -€31,218
Net result drops to -€31,218, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €24,205
Net result €24,205 after one loss-making year.
Show earlier events
31-12
Financial
Liquidity triplescurrent ratio 8.54
Current ratio from 3.38 to 8.54; short-term debt falls from €41,082 to €18,889.
31-12
Financial
Equity above €150,000Eq €152,845 ▲18.8%
Equity rises from €128,639 to €152,845.
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-06
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.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Binche · 1 establishment unit since 2014
Ground area
129 m²
Building footprint
43 m²
Volume, LiDAR
447 m³
Parcel 56011C0056/00H000, Wallonia · tallest building 11.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
MK28
since 20142.231.701.368
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56011C0056/00H000 | Wallonia | 129 m² | 1 · 43 m² | 11.6 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 6,996 companies in sector 81220 we hold annual accounts for 2,414. 2,011 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
Founded06-05-2014
Fiscal year end31-12
Activities, NACEBEL 2025
81220Other building cleaning and industrial cleaning
43230Insulation installation
E-invoicing
Reachable via Peppol
Peppol ID
0208:0551955041
Also
9925:BE0551955041
Registered
10-04-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.