Equity
€113,581 ▲ 80.9%
Equity rose in 2025 from €62,784 to €113,581.
MPacto
Overview
Lifetime
2 annual accounts with figures on one time axispeak €75,351 (2024)
€69,760▼ 7.4%
peak €58,784 (2024)
€50,793▼ 13.6%
peak €113,581 (2025)
€113,581▲ 80.9%
€48,750▲ 75.6%
Board1 name since 2024
1 directorPRIEM Mieke Diedelinde Hermine
Documentsfilings and deeds
16-07-202615 days before the deadline
2025micro format
Equity from €62,784 to €113,581Debts from €27,763 to €48,750Investments €7,486Cash from €55,132 to €133,785
Key points
from the 2025 annual accountsTurnover
≈ €140,000 estimated
The micro format states no turnover.
Investments
€8,266 2.3 × depreciation
Green is investment, beige is depreciation. Machinery stands 86.5% higher than in 2024.
Checked score
97
Excellent
Financially stronger than 79% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,572 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
05-2025: 0.4%highest value
06-2025: 0.4%● unchanged vs 05-2025highest value
07-2025: < 0.1%▼ -0.4 percentage points vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 3.18, cash €133,785
Sector: Activities of head offices; management consultancy activities (NACE 70)
Size: total assets €162,331
Equity €113,581 (70.0% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 66% of them on solvency, 81% on liquidity, 84% on profitability and 87% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as MPacto has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of MPacto itself is lower: < 0.1% within 12 months. It rests on far more data about MPacto than the profile alone.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for MPacto. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €11,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity is ample, with a current ratio of 3.18 (2.91 in 2024), above the usual 1.5. Short-term debt is 29% and cash 82.4% of total assets. 30% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Young company
Founded in 2024, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
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 16-07-2026, 15 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
15 days early
2024
34 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 25 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1008667465
Incorporation
Founder: PRIEM Mieke Diedelinde Hermine · 100 shares · Appointment: PRIEM Mieke Diedelinde Hermine (director) · published on 25-04-2024 · Gazette deed
First establishment
Korbeekstraat 25, Bertem
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| MPacto Bertem | €162,331 | €69,760 | 70.0% | - |
| LAVK Bertem | €126,698 | €71,569 | 79.8% | - |
| Quercus Aurealiz Lennik | €173,098 | €67,645 | 54.8% | - |
| DAVA CONSULTANCY Herent | €159,540 | €73,639 | 77.6% | - |
| SYMPOSIX Leuven | €176,058 | €69,207 | 88.7% | - |
| R.V. Real Estate Consulting & Development Grimbergen | €143,860 | €74,371 | 78.6% | - |
| HMRE ADVISORY Vilvoorde | €154,957 | €71,780 | 33.4% | - |
These companies have the same main activity as MPacto: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €127,000 and €176,000, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 22-04-2024Normal situation
- Activity
- Business and other management consultancyNACE 70200and 4 others
- Establishment unit
- 2.359.097.8043061 Bertem, since 22-04-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 19-12-2025
Annual accounts 2025
- €69,760▼ 7.4%
- €50,793▼ 13.6%
- €113,581▲ 80.9%
- €162,331▲ 79.3%
- Filing
- Filed on 16-07-2026, 15 days before the end of the filing period
Insights on MPacto
MPacto has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €113,581 and a net result of €50,793.
Its solvency ranks better than 65% of 39,376 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 16-07-2026, 15 days before the deadline€69,760
▼ 7.4%
€64,302
▼ 13.0%
€50,793
▼ 13.6%
€102,419
▲ 93.2%
70.0%
▲ 0.6 percentage points
3.18
▲ 0.27
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €140,000. Estimated: probably between €110,000 and €180,000.
Balance sheet
balance sheet total €162,331 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
70.0%
Higher than 65% of 39,376 companies in 2025.
3.18
Higher than 65% of 38,058 companies in 2025.
31.3%
Higher than 72% of 38,530 companies in 2025.
MPacto
Middle half of the sector
80% of the sector
Micro accounts in head offices and management consultancy (NACE 70)
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
162,331 | 90,546 | |
20 |
- | 898 | |
21/28 |
12,824 | 8,879 | |
22/27 |
12,824 | 8,879 | |
23 |
4,956 | 2,657 | |
24 |
5,549 | 6,222 | |
26 |
2,319 | - | |
29/58 |
149,507 | 80,770 | |
40/41 |
15,371 | 25,321 | |
40 |
15,367 | 23,422 | |
41 |
5 | 1,899 | |
54/58 |
133,785 | 55,132 | |
490/1 |
351 | 317 | |
| Balance sheet: equity and liabilities | |||
10/49 |
162,331 | 90,546 | |
10/15 |
113,581 | 62,784 | |
10/11 |
4,005 | 4,000 | |
14 |
109,576 | 58,784 | |
17/49 |
48,750 | 27,763 | |
42/48 |
47,087 | 27,763 | |
43 |
306 | - | |
430/8 |
306 | - | |
44 |
2,332 | 4,101 | |
440/4 |
2,332 | 4,101 | |
45 |
37,294 | 20,703 | |
450/3 |
37,294 | 20,703 | |
47/48 |
7,155 | 2,959 | |
492/3 |
1,662 | - | |
| Income statement | |||
9900 |
69,760 | 75,351 | |
630 |
3,540 | 1,248 | |
640/8 |
239 | 195 | |
66A |
1,678 | - | |
9901 |
64,302 | 73,908 | |
65/66B |
55 | 15 | |
65 |
55 | 15 | |
9903 |
64,247 | 73,893 | |
67/77 |
13,454 | 15,109 | |
9904 |
50,793 | 58,784 | |
9905 |
50,793 | 58,784 | |
| Appropriation of the result | |||
9906 |
109,576 | 58,784 | |
14P |
58,784 | - | |
| Document | |||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 16-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankSubsidies and aid
Flemish government 2024 to 2025, 2 entries, €154 awarded, €154 paid
| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2025 | 1 | €107 | €107 |
| 2024 | 1 | €47 | €47 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 67,842 | 75,156 | ||
| 54,333 | 60,032 | ||
| 8,266 | 9,525 | ||
| 78,652 | - | ||
| 102,419 | 53,007 | ||
| 70.0% | 69.3% | ||
| 3.18 | 2.91 | ||
| 0.43 | 0.44 | ||
| 44.7% | 93.6% | ||
| 31.3% | 64.9% | ||
| over 100 | over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 |
|---|---|---|
| Tangible fixed assets | €8,266 | €9,525 |
| €3,540 | €1,248 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on MPacto
The operating result for 2025 is 13% lower than in 2024.
Debt's share of the balance-sheet total falls from 30.7% to 30.0%. Equity and debt are higher.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 25-04-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 16-07-2026
Mandates through the years
1 name, the dashed line is todayPRIEM Mieke Diedelinde Hermine
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- PRIEM Mieke Diedelinde Hermine
- Director (not named in the articles), appointed by deed of 25-04-2024, still in office
Control
Capital
- Contribution
- €4,004.60
- Shares
- 100
- Contribution per share
- €40.05
- Equity per share
- €1,136 in 2025
- Source
- 2025 annual accounts
Articles of association
deed of 25-04-2024 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Friday of June at 16:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 25-04-2024 ↗
- PRIEM Mieke Diedelinde Hermine 100 shares (100%) · €4,000 in cash
Network & group
No group
MPacto has no parent and no holdings in its annual accounts. PRIEM Mieke Diedelinde Hermine is the only director. MPacto shares no director with another company.
At the same address
Korbeekstraat 25, 3061 Bertem · 1 other company| A&A CONSULT
establishment since 06-10-2014 · founded in 2014 |
total assets €119,573 (2025) 0562.906.044 |
Timeline
Timeline
6 events since 2024Filings
Financial
Establishments
202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 15 days before the deadline
2025
Equity above €100,000 equity €113,581 ▲80.9% With a profit in every financial year since 2024, equity grows to €113,581.
Registered in the Peppol Directory Reachable for e-invoices through 0208:1008667465
Annual accounts 2024 filed PDFmicro format · 34 days before the deadline
2024
IncorporationFounder: PRIEM Mieke Diedelinde Hermine · 100 shares · Appointment: PRIEM Mieke Diedelinde Hermine (director) · published on 25-04-20244 points ▸
- Founder, PRIEM Mieke Diedelinde Hermine
- 100 shares
- Registered office clause, 3061 Bertem (Leefdaal) Korbeekstraat 25
- Director appointment, PRIEM Mieke Diedelinde Hermine (director (not named in the articles))
- The deed holds 1 more point.
First establishment Korbeekstraat 25, Bertem
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
MPacto was incorporated on 22 April 2024 as a private limited company by one natural person.12 PRIEM Mieke Diedelinde Hermine is director of the company, appointed by deed of 25-04-2024.2 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Company details
Identity
- Enterprise number
- 1008.667.465
- VAT number
- BE 1008.667.465
- Peppol ID
- 0208:1008667465
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 22-04-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Friday of June at 16:00deed of 25-04-2024 (in Dutch)
- Peppol
- Reachable since 19-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- MPacto in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 25-04-2024 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 25-04-2024 (in Dutch)
Activities
NACEBEL 202570200
Business and other management consultancy main activity
69109
Other legal services
Codes under NACEBEL 2008
70220
Business consulting main activity
63990
Computing infrastructure, data processing, hosting and other information service activities
69109
Other legal services
74201
Photography, excluding press photography
82990
Other business support services
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Het verlenen van diensten en adviezen aan ondernemingen op het vlak van het beleid en de rapportering betreffende de ecologische, sociale en…”deed of 25-04-2024 (in Dutch)
15 activities
- Het verlenen van diensten en adviezen aan ondernemingen op het vlak van het beleid en de rapportering betreffende de ecologische, sociale en governance risico’s.
- Het optreden als consultant en diensten verlenen inzake commercieel, strategisch, financieel en administratief management, inzake de implementatie van bedrijfsprocessen.
- Adviesbureau op het gebied van bedrijfsbeheer.
- De activiteiten van juridische adviseurs.
- De activiteiten van fotografen.
- Dit behelst waar nodig en/of nuttig de aankoop, verkoop, verhuur, onderverhuur, leasing, renting, ontwerp, productie, handel, groothandel, herstelling, levering, plaatsing, montage, demontage, integratie, ontmanteling, vervoer, invoer, uitvoer, export, al dan niet in hoofdaanneming en/of onderaanneming en/of als tussenpersoon (opsomming ten exemplatieve en niet-limitatieve titel) van de voormelde activiteiten, diensten en goederen en van alle activiteiten, diensten en goederen die de vennootschap hiervoor nuttig en/of nodig acht.
- Het verrichten, in het algemeen, van alle roerende, onroerende, commerciële, industriële, financiële, handelingen die in rechtstreeks of onrechtstreeks verband staan met de rest van het maatschappelijk voorwerp, of die van aard zijn, zouden zijn of zouden kunnen zijn om de verwezenlijking van het voorwerp geheel of gedeeltelijk te vergemakkelijken en bevorderen.
- Het verrichten van alle vormen van handelsbemiddeling, het optreden als agent en als zelfstandig vertegenwoordiger in diverse sectoren en voor diverse producten en diensten.
- Het ontwikkelen, kopen, verkopen, beheren, in waarde stellen, in licentie nemen of geven van licenties, brevetten, octrooien, knowhow en andere intellectuele rechten.
- Het organiseren en/of geven van seminaries, opleidingen en presentaties. Het schrijven, verzorgen, begeleiden en uitgeven van literaire werken en bijdragen, handboeken van diverse bijdragen in diverse vormen.
- Het waarnemen van opdrachten als bestuurder of vereffenaar in andere vennootschappen. Het optreden als managementvennootschap, het beheren van vennootschappen, het optreden als holding, het verrichten van alle managementactiviteiten van holdings: het deelnemen, onder gelijk welke vorm, aan de oprichting, uitbreiding, omzetting, fusie, opslorping, het bestuur en controle van ondernemingen. Het nemen van belangen, hetzij door deelneming, inbreng of elke andere wijze in alle vennootschappen, ondernemingen of groeperingen, bestaande of op te richten, zowel in België als in het buitenland, die een aanvullend of soortgelijk voorwerp nastreven, of van die aard zijn de ontwikkeling van haar onderneming te bevorderen of de afzet van haar producten of diensten kunnen vergemakkelijken.
- Het aanleggen, het oordeelkundig uitbouwen en beheren van een onroerend vermogen; alle verrichtingen met betrekking tot onroerende goederen en onroerende zakelijke rechten (vruchtgebruik, recht van opstal, erfpacht, …), zoals de huurfinanciering van onroerend goederen aan derden, het aankopen, verkopen, ruilen, bouwen, verbouwen, onderhouden, verhuren, huren, verkavelen, prospecteren en uitbaten van onroerende goederen, het ontwerpen en opvolgen van projecten, en het maken van studies met betrekking tot immobiliën; de aan- en verkoop, huur en verhuur van roerende goederen betreffende de inrichting en uitrusting van onroerende goederen, alsmede alle handelingen die rechtstreeks of onrechtstreeks met dit voorwerp in verband staan en die van aard zijn de opbrengst van de onroerende goederen te bevorderen; alsmede zich borg stellen voor het goede verloop van verbintenissen, door derde personen aangegaan, die het genot zouden hebben van voormelde roerende en onroerende goederen.
- Het verlenen van diensten inzake het onderzoek, de ontwikkeling en de productie van digitale platformen en websites;
- Het aanleggen, het oordeelkundig uitbouwen en beheren van een roerend vermogen; alle verrichtingen met betrekking tot roerende goederen en rechten, van welke aard ook, zoals het verwerven door inschrijving of aankoop, het beheren van aandelen, aandelenopties, obligaties, kasbons, afgeleide producten of andere roerende waarden, van welke vorm ook, uitgegeven door Belgische of buitenlandse emittenten.
- Het toestaan van leningen en kredietopeningen aan rechtspersonen en ondernemingen of particulieren, in eender welke vorm; het zich borg stellen of aval verlenen, in de meest ruime zin; alle handelsoperaties en financiële operaties verrichten, behalve deze die wettelijk voorbehouden zijn aan depositobanken, houders van deposito’s op korte termijn, spaarkassen, hypotheekmaatschappijen en kapitalisatieondernemingen. Het aangaan van leningen of schulden bij derden (met inbegrip van haar aandeelhouders en haar bestuurders) en het maken van alle kosten en doen van alle investeringen die zij nodig of wenselijk acht. Het zich borg stellen en/of het verlenen van zakelijke en/of persoonlijke zekerheden tot waarborg van eigen verbintenissen of tot waarborg van verbintenissen van derden, onder meer door haar goederen in hypotheek of in pand te geven, inclusief de eigen handelszaak.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Korbeekstraat 25 registered office 3061 Bertem | 22-04-2024 | 2.359.097.804 |
Buildings and parcels at the address
- Ground area
- 1,261 m²
- Buildings
- 284 m²
- Volume, LiDAR
- 1,327 m³
- Tallest building
- 9.6 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 24061E0065/00C000 | 1,261 m² | 1 · 284 m² | 9.6 m · 2 |