MMB CONCEPT
ActiveMMB CONCEPT has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €179k and a net result of €34k. Equity is growing by ~28.7% per year across the filed fiscal years. Its solvency ranks better than 51% of 36373 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
74
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability80▼-14
Solvency72▼-5
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 2.57 against 2.28 in 2023; short-term debt: 34.7% and cash: 57.6% of total assets), but 52.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-09-2025, 54 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
54 d late
2023
37 d late
2022
31 d late
2021
78 d late
2020
94 d late
2019
181 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€299k
EBIT margin
10.8%
Net result
€34k▼ 40.9%
2023 · €57k
2019: €28k
2020: €-20k
2021: €50k
2022: €14k
2023: €57k
2019 → 2024
Working capital
€206k▲ 60.4%
2023 · €128k
2019: €43k
2020: €30k
2021: €76k
2022: €95k
2023: €128k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€35k-€84k▲ 143%€98k▲ 16.8%€145k▲ 48.0%€179k▲ 23.2%
Operating result€-17k-€59k€32k▼ 46.4%€80k▲ 149%€51k▼ 35.9%
Net result€-20k-€50k€14k▼ 71.4%€57k▲ 304%€34k▼ 40.9%
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 2024; 2024 is 36% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €377k
Fixed assets
€41k▼ 24.3%
Current assets
€337k▲ 47.5%
Equity and liabilities €377k
Equity
€179k▲ 23.2%
Debt
€198k▲ 44.9%
The debt ratio rises from 48.5% to 52.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€64k▼
2023 · €88k
Cash flow
€47k▼
2023 · €65k
Solvency
47.4%▼
2023 · 51.5%
Current ratio
2.57▲
2023 · 2.28
Quick ratio
2.57▲
2023 · 2.28
Debt / equity
1.11▲
2023 · 0.94
ROE
18.8%▼
2023 · 39.3%
ROA
8.9%▼
2023 · 20.2%
Interest coverage
19.55▼
2023 · 59.87
Debt
€198k▲
2023 · €137k
Debt ≤ 1 year
€131k▲
2023 · €100k
Debt > 1 year
€67k▲
2023 · €37k
Income taxes
€14k▼
2023 · €21k
Staff costs
€3k▲
2023 · €-2k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€282k€377k▲
Fixed assets21/28€54k€41k▼
Tangible fixed assets22/27€54k€41k▼
Furniture and vehicles24€54k€41k▼
Financial fixed assets28€126€126=
Current assets29/58€228k€337k▲
Amounts receivable within one year40/41€71k€118k▲
Trade receivables40€68k€118k▲
Other amounts receivable41€4k€24▼
Cash at bank and in hand54/58€157k€218k▲
Deferred charges and accrued income490/1-€979
Equity and liabilities
Total equity and liabilities10/49€282k€377k▲
Equity10/15€145k€179k▲
Contributions10/11€13k€13k=
Reserves13€43k€73k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€27k€20k▼
Distributable reserves133€14k€51k▲
Profit (loss) carried forward14€90k€94k▲
Amounts payable17/49€137k€198k▲
Amounts payable after more than one year17€37k€67k▲
Financial debts170/4€37k€67k▲
Amounts payable within one year42/48€100k€131k▲
Current portion of amounts payable after more than one year42€14k€19k▲
Trade debts44€43k€68k▲
Suppliers440/4€43k€68k▲
Advances received on contracts in progress46-€7k
Taxes, remuneration and social security45€33k€36k▲
Taxes450/3€30k€34k▲
Remuneration and social security454/9€3k€2k▼
Other amounts payable47/48€10k€1k▼
Income statement
Code20232024
Remuneration, social security and pensions62€-2k€3k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€13k▲
Other operating charges640/8€0€645▲
Non-recurring operating charges66A€74-
Gross operating margin9900€86k€67k▼
Operating profit (loss)9901€80k€51k▼
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€78k€48k▼
Income taxes67/77€21k€14k▼
Profit (loss) for the period9904€57k€34k▼
Profit (loss) for the period to be appropriated9905€57k€34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€100k€124k▲
Profit (loss) brought forward from the previous period14P€43k€90k▲
Transfer to equity691/2-€30k
To other reserves6921-€30k
Profit to be distributed694/7€10k-
Return on contributions (dividend)694€10k-
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 54 days late
2024
31-12
Financial
Equity above €150kEq €179k ▲23.2%
4 profitable years in a row build equity to €179k.
06-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 37 days late
2023
31-12
Financial
Highest result since 2019net €57k ▲304%
Operating result €80k, net result €57k, both a record.
31-12
Financial
Equity above €100kEq €145k ▲48%
3 profitable years in a row build equity to €145k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
2021
31-12
Financial
Back to profitnet €50k
Net result €50k after one loss-making year.
02-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 94 days late
28-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 181 days late
2020
31-12
Financial
Weakest financial yearnet €-20k ▼169%
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
2019
10-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 344 days late
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, Kortenberg · 1 establishment unit since 2017
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.
Kapellestraat 473070 KortenbergGround area
236 m²
Building footprint
145 m²
Volume, LiDAR
717 m³
Parcel 24055B0033/00P000, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MMB CONCEPT
since 20172.279.823.068
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24055B0033/00P000 | Flanders | 236 m² | 1 · 145 m² | 7.6 m · 2 fl. |
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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SCHRIJNWERK DRIEGHE
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MENUISERIE CAMACHO
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DE COCK FRANÇOIS
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Of 20,026 companies in sector 43320 we hold annual accounts for 9,137. 7,521 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-01-2017
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.