MNF Consult
ActiveSummary
MNF 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 negative equity (€-53k) and a net result of €-1k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 8023 sector peers (fiscal year 2025). The company has been active since 2017 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
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 8023 sector peers (2025).
NBB · sector comparisonPosition among 8023 sector peers
Solvency
better than 5%
← weakest
strongest →
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 23-03-2026, 130 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
130 d early
2024
15 d early
2023
78 d early
2022
70 d late
2021
304 d late
2020
31 d early
2019
28 d early
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-53k▼ 2.1%
2024 · €-51k
2018: €3k
2019: €-4k
2020: €-932
2021: €-11k
2022: €-22k
2023: €-37k
2024: €-51k
2018 → 2025
Net result
€-1k▲ 92.3%
2024 · €-14k
2018: €-15k
2019: €-7k
2020: €3k
2021: €-10k
2022: €-11k
2023: €-16k
2024: €-14k
2018 → 2025
Total assets
€6k▼ 16.1%
2024 · €7k
2018: €13k
2019: €5k
2020: €2k
2021: €2k
2022: €6k
2023: €2k
2024: €7k
2018 → 2025
Solvency
-888.5%▼ 158.9pp
2024 · -729.6%
2018: 21.3%
2019: -93.3%
2020: -49.9%
2021: -468.7%
2022: -349.8%
2023: -1857.1%
2024: -729.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-11k-€-22k▼ 96.1%€-37k▼ 71.4%€-51k▼ 37.9%€-53k▼ 2.1%
Operating result€-10k-€-11k▼ 11.4%€-16k▼ 38.0%€-14k▲ 8.0%€-1k▲ 90.6%
Net result€-10k-€-11k▼ 5.0%€-16k▼ 45.7%€-14k▲ 9.0%€-1k▲ 92.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €1k in 2025 against €14k in 2024; the loss shrinks.
Key figures and ratios
ROA
-18.5%▲
2024 · -200.5%
Debt
€59k▼
2024 · €59k
Debt ≤ 1 year
€59k▼
2024 · €59k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 27 lines
Balance sheet
Code20242025
Assets
Total assets20/58€7k€6k▼
Current assets29/58€7k€6k▼
Amounts receivable within one year40/41€5k€6k▲
Other amounts receivable41€5k€6k▲
Cash at bank and in hand54/58€2k€95▼
Equity and liabilities
Total equity and liabilities10/49€7k€6k▼
Equity10/15€-51k€-53k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-70k€-71k▼
Amounts payable17/49€59k€59k▼
Amounts payable within one year42/48€59k€59k▼
Trade debts44€44-
Suppliers440/4€44-
Other amounts payable47/48€59k€59k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€142-
Other operating charges640/8€118€120▲
Gross operating margin9900€-14k€-1k▲
Operating profit (loss)9901€-14k€-1k▲
Financial income75/76B€184€300▲
Recurring financial income75€184€300▲
Financial charges65/66B€15€45▲
Recurring financial charges65€15€45▲
Profit (loss) for the period before taxes9903€-14k€-1k▲
Profit (loss) for the period9904€-14k€-1k▲
Profit (loss) for the period to be appropriated9905€-14k€-1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-70k€-71k▼
Profit (loss) brought forward from the previous period14P€-56k€-70k▼
The notes to these accounts (3 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
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-16k
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 304 days late
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 91 days late
2018
29-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 90 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Essen · 1 establishment unit since 2017
Ground area
1,804 m²
Building footprint
254 m²
Volume, LiDAR
1,242 m³
Parcel 11642C0586/00M000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MNF Consult
since 20172.264.170.040
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11642C0586/00M000 | Flanders | 1,804 m² | 1 · 254 m² | 7.8 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.
Similar companies · same sector, comparable size
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Of 807 companies in sector 64999 we hold annual accounts for 484. 81 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded22-02-2017
Fiscal year end31-12
Activities, NACEBEL 2025
64999Other financial services
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.