MONDIAL LOC
ActiveThe computed 12-month bankruptcy probability of MONDIAL LOC is 1.6% (moderate). The 2025 annual accounts show equity of €171k and a net result of €72k. Equity is growing by ~91.2% per year across the filed fiscal years. Its solvency ranks better than 52% of 1512 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-7
Solvency58=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 1.74 against 2.33 in 2024; short-term debt: 57.2% and cash: 39.4% of total assets), but 67.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Sector 77
higher
← 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
32.8%
Return on assets
13.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
1 d early
2023
on the day
2022
106 d late
2021
152 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€171k▲ 73.1%
2024 · €99k
2021: €12k
2022: €30k
2023: €40k
2024: €99k
2021 → 2025
Total assets
€522k▲ 74.0%
2024 · €300k
2021: €93k
2022: €138k
2023: €63k
2024: €300k
2021 → 2025
Net result
€72k▲ 23.1%
2024 · €59k
2021: €22k
2022: €19k
2023: €10k
2024: €59k
2021 → 2025
Working capital
€222k▲ 29.9%
2024 · €171k
2021: €11k
2022: €30k
2023: €40k
2024: €171k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12k-€30k▲ 162%€40k▲ 32.7%€99k▲ 146%€171k▲ 73.1%
Operating result€29k-€25k▼ 14.0%€12k▼ 52.6%€81k▲ 593%€103k▲ 26.6%
Net result€22k-€19k▼ 13.4%€10k▼ 47.0%€59k▲ 494%€72k▲ 23.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 27% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €522k
Fixed assets
€1k▲ 244%
Current assets
€520k▲ 73.8%
Equity and liabilities €522k
Equity
€171k▲ 73.1%
Debt
€350k▲ 74.5%
The debt ratio rises from 67.0% to 67.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€103k▲
2024 · €82k
Cash flow
€73k▲
2024 · €59k
Solvency
32.8%▼
2024 · 33.0%
Current ratio
1.74▼
2024 · 2.33
Quick ratio
1.60▲
2024 · 1.55
Debt / equity
2.05▲
2024 · 2.03
ROE
42.2%▼
2024 · 59.4%
ROA
13.9%▼
2024 · 19.6%
Interest coverage
22.72▼
2024 · 31.38
Debt
€350k▲
2024 · €201k
Debt ≤ 1 year
€298k▲
2024 · €128k
Debt > 1 year
€52k▼
2024 · €72k
Income taxes
€27k▲
2024 · €22k
Staff costs
€173k▲
2024 · €116k
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€300k€522k▲
Fixed assets21/28€375€1k▲
Tangible fixed assets22/27€375€1k▲
Plant, machinery and equipment23-€1k
Furniture and vehicles24€375€268▼
Current assets29/58€299k€520k▲
Stocks and contracts in progress3€100k€43k▼
Stocks30/36€100k€43k▼
Amounts receivable within one year40/41€163k€272k▲
Trade receivables40€159k€258k▲
Other amounts receivable41€4k€14k▲
Cash at bank and in hand54/58€37k€206k▲
Equity and liabilities
Total equity and liabilities10/49€300k€522k▲
Equity10/15€99k€171k▲
Contributions10/11€2k€2k=
Reserves13€87k€160k▲
Distributable reserves133€87k€160k▲
Profit (loss) carried forward14€10k€10k=
Amounts payable17/49€201k€350k▲
Amounts payable after more than one year17€72k€52k▼
Financial debts170/4€72k€52k▼
Amounts payable within one year42/48€128k€298k▲
Current portion of amounts payable after more than one year42€19k€20k▲
Trade debts44€26k€218k▲
Suppliers440/4€26k€218k▲
Taxes, remuneration and social security45€83k€54k▼
Taxes450/3€75k€50k▼
Remuneration and social security454/9€8k€4k▼
Other amounts payable47/48€182€7k▲
Accrued charges and deferred income492/3€500-
Income statement
Code20242025
Remuneration, social security and pensions62€116k€173k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€107€235▲
Other operating charges640/8€70€959▲
Gross operating margin9900€198k€277k▲
Operating profit (loss)9901€81k€103k▲
Financial income75/76B€2k€460▼
Recurring financial income75€2k€460▼
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€81k€99k▲
Income taxes67/77€22k€27k▲
Profit (loss) for the period9904€59k€72k▲
Profit (loss) for the period to be appropriated9905€59k€72k▲
Appropriation of the result
Profit (loss) to be appropriated9906€68k€82k▲
Profit (loss) brought forward from the previous period14P€10k€10k=
Transfer to equity691/2€59k€72k▲
To other reserves6921€59k€72k▲
The notes to these accounts (6 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2021net €72k ▲23.1%
Operating result €103k, net result €72k, both a record.
31-12
Financial
Equity above €150kEq €171k ▲73.1%
5 profitable years in a row build equity to €171k.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €10k ▼47%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 2.75
Current ratio from 1.28 to 2.75; short-term debt falls from €107k to €23k.
14-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 106 days late
2022
30-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 152 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Oupeye · 1 establishment unit since 2020
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 du Moulin 2074684 OupeyeGround area
1,340 m²
Building footprint
50 m²
Volume, LiDAR
460 m³
Parcel 62048B1748/02E003, Wallonia · tallest building 9.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
MONDIAL LOC
since 20202.304.988.630
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62048B1748/02E003 | Wallonia | 1,340 m² | 1 · 50 m² | 9.9 m · 3 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
IMMO JECO
BE 0425.646.985
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BE 0659.795.780
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RIBA ASSE
BE 0451.109.485
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MATRENT
BE 0466.455.677
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RG LOCATION
BE 0795.276.373
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Of 667 companies in sector 77320 we hold annual accounts for 492. 366 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-07-2020
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
77320Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.