MLF CONSULT 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 €746k and a net result of €70k. Equity is growing by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 74% of 8018 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
27 d late
2023
21 d late
2022
24 d late
2021
8 d late
2020
26 d late
2019
35 d late
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€746k▼ 16.5%
2024 · €894k
2018: €692k
2019: €870k
2020: €1.05M
2021: €1.25M
2022: €1.31M
2023: €1.37M
2024: €894k
2018 → 2025
Net result
€70k▼ 56.1%
2024 · €158k
2018: €139k
2019: €178k
2020: €179k
2021: €198k
2022: €64k
2023: €56k
2024: €158k
2018 → 2025
Total assets
€966k▲ 1.5%
2024 · €952k
2018: €899k
2019: €1.06M
2020: €1.22M
2021: €1.41M
2022: €1.44M
2023: €1.42M
2024: €952k
2018 → 2025
Solvency
77.2%▼ 16.7pp
2024 · 93.9%
2018: 77.0%
2019: 82.2%
2020: 86.1%
2021: 88.2%
2022: 91.0%
2023: 96.2%
2024: 93.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.25M-€1.31M▲ 5.1%€1.37M▲ 4.2%€894k▼ 34.6%€746k▼ 16.5%
Operating result€287k-€95k▼ 66.8%€67k▼ 29.5%€71k▲ 5.4%€56k▼ 21.5%
Net result€198k-€64k▼ 67.7%€56k▼ 13.1%€158k▲ 185%€70k▼ 56.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 21% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €966k
Fixed assets
€154k▼ 11.6%
Current assets
€812k▲ 4.4%
Equity and liabilities €966k
Equity
€746k▼ 16.5%
Debt
€220k▲ 278%
The debt ratio rises from 6.1% to 22.8%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
77.2%▼
2024 · 93.9%
ROE
9.3%▼
2024 · 17.7%
ROA
7.2%▼
2024 · 16.7%
Debt
€220k▲
2024 · €58k
Debt ≤ 1 year
€220k▲
2024 · €58k
Income taxes
€-1k▼
2024 · €77k
Staff costs
€55k▲
2024 · €15k
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€952k€966k▲
Fixed assets21/28€174k€154k▼
Tangible fixed assets22/27€172k€152k▼
Land and buildings22€94k€82k▼
Furniture and vehicles24€50k€39k▼
Other tangible fixed assets26€28k€32k▲
Financial fixed assets28€2k€2k=
Current assets29/58€778k€812k▲
Amounts receivable within one year40/41€47k€69k▲
Trade receivables40€28k€42k▲
Other amounts receivable41€20k€26k▲
Current investments50/53€675k€676k▲
Cash at bank and in hand54/58€50k€62k▲
Deferred charges and accrued income490/1€6k€6k▼
Equity and liabilities
Total equity and liabilities10/49€952k€966k▲
Equity10/15€894k€746k▼
Contributions10/11€19k€19k=
Reserves13€875k€727k▼
Tax-exempt reserves132€808€412▼
Distributable reserves133€874k€727k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€58k€220k▲
Amounts payable within one year42/48€58k€220k▲
Financial debts43€10€0▼
Credit institutions430/8€10€0▼
Trade debts44€4k€5k▲
Suppliers440/4€4k€5k▲
Taxes, remuneration and social security45€54k€29k▼
Taxes450/3€50k€21k▼
Remuneration and social security454/9€5k€8k▲
Other amounts payable47/48€0€186k▲
Accrued charges and deferred income492/3-€121
Income statement
Code20242025
Remuneration, social security and pensions62€15k€55k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€26k▲
Other operating charges640/8€972€1k▲
Gross operating margin9900€109k€137k▲
Operating profit (loss)9901€71k€56k▼
Financial income75/76B€165k€14k▼
Recurring financial income75€165k€14k▼
Financial charges65/66B€260€641▲
Recurring financial charges65€260€597▲
Non-recurring financial charges66B-€44
Profit (loss) for the period before taxes9903€235k€69k▼
Income taxes67/77€77k€-1k▼
Profit (loss) for the period9904€158k€70k▼
Transfer from tax-exempt reserves789-€397
Profit (loss) for the period to be appropriated9905€158k€70k▼
Appropriation of the result
Profit (loss) to be appropriated9906€158k€70k▼
Transfer from equity791/2€632k€217k▼
Transfer to equity691/2€158k€70k▼
To other reserves6921€158k€70k▼
Profit to be distributed694/7€632k€217k▼
Return on contributions (dividend)694€632k€217k▼
The notes to these accounts (16 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
31-12
Financial
Weakest financial yearnet €56k ▼13.1%
Net result drops to €56k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 24.22
Current ratio from 9.99 to 24.22; short-term debt falls from €130k to €54k.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 8 days late
2021
31-12
Financial
Highest result since 2018net €198k ▲10.7%
Operating result €287k, net result €198k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-12
Financial
Equity above €1MEq €1.05M ▲20.5%
3 profitable years in a row build equity to €1.05M.
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 35 days late
2019
06-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 6 days late
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
11-07
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
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, Pepinster · 1 establishment unit since 2007
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 Tribomont 474860 PepinsterGround area
3,610 m²
Building footprint
3,212 m²
Volume, LiDAR
30,078 m³
2 parcels, Wallonia · tallest building 12.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
MLF CONSULT
since 20072.164.000.318
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63022A0015/00T017 | Wallonia | 3,512 m² | 1 · 3,149 m² | 12.8 m · 3 fl. |
| 63083A0304/00C000 | Wallonia | 98 m² | 1 · 63 m² | 9.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,247 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-06-2007
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
74151
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:087/32.23.62