Summary
MPH FINANCE 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 €1.10M and a net result of €32k. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 88% of 5527 sector peers (fiscal year 2025). The company has been active since 2011 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
1 signal. 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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
30 d early
2023
54 d early
2022
55 d early
2021
60 d early
2020
53 d early
2019
84 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, abbreviated schema
Equity
€1.10M▲ 3.0%
2024 · €1.06M
2018: €970k
2019: €946k
2020: €982k
2021: €987k
2022: €1.10M
2023: €1.07M
2024: €1.06M
2018 → 2025
Net result
€32k
2024 · €-9k
2018: €231k
2019: €175k
2020: €37k
2021: €4k
2022: €-24k
2023: €-32k
2024: €-9k
2018 → 2025
Total assets
€1.18M=
2024 · €1.18M
2018: €1.18M
2019: €1.16M
2020: €998k
2021: €1.11M
2022: €1.21M
2023: €1.18M
2024: €1.18M
2018 → 2025
Solvency
93.0%▲ 2.7pp
2024 · 90.3%
2018: 82.0%
2019: 81.5%
2020: 98.4%
2021: 89.3%
2022: 91.3%
2023: 90.7%
2024: 90.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€170k-€193k▲ 13.1%
Equity€987k-€1.10M▲ 12.0%€1.07M▼ 2.9%€1.06M▼ 0.8%€1.10M▲ 3.0%
Operating result€7k-€-26k€-62k▼ 139%€-9k▲ 85.9%€-18k▼ 111%
Net result€4k-€-24k€-32k▼ 32.2%€-9k▲ 71.7%€32k
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €18k in 2025 against €9k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.18M
Fixed assets
€1.15M =
Current assets
€25k ▲ 0.8%
Equity and liabilities €1.18M
Equity
€1.10M ▲ 3.0%
Debt
€83k ▼ 27.6%
Debt's share of the balance-sheet total falls from 9.7% to 7.0%. Equity is higher and debt is lower.
Key figures and ratios
ROE
2.9%▲
2024 · -0.8%
ROA
2.7%▲
2024 · -0.8%
Debt ≤ 1 year
€83k▼
2024 · €114k
Staff costs
€62k▲
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 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.18M€1.18M=
Fixed assets21/28€1.15M€1.15M=
Tangible fixed assets22/27€2k€2k=
Furniture and vehicles24€2k€2k=
Financial fixed assets28€1.15M€1.15M=
Current assets29/58€25k€25k▲
Amounts receivable within one year40/41€3k€4▼
Trade receivables40€3k-
Other amounts receivable41€5€4▼
Current investments50/53€2k€2k▲
Cash at bank and in hand54/58€20k€23k▲
Deferred charges and accrued income490/1€31-
Equity and liabilities
Total equity and liabilities10/49€1.18M€1.18M=
Equity10/15€1.06M€1.10M▲
Contributions10/11€161k€161k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€901k€933k▲
Amounts payable17/49€114k€83k▼
Amounts payable within one year42/48€114k€83k▼
Trade debts44€1k€56▼
Suppliers440/4€1k€56▼
Taxes, remuneration and social security45€37k€32k▼
Taxes450/3€24k€22k▼
Remuneration and social security454/9€13k€10k▼
Other amounts payable47/48€76k€51k▼
Income statement
Code20242025
Remuneration, social security and pensions62€59k€62k▲
Other operating charges640/8€1k€986▼
Gross operating margin9900€51k€45k▼
Operating profit (loss)9901€-9k€-18k▼
Financial income75/76B€14€50k▲
Recurring financial income75€14€50k▲
Profit (loss) for the period before taxes9903€-9k€32k▲
Income taxes67/77€349-
Profit (loss) for the period9904€-9k€32k▲
Profit (loss) for the period to be appropriated9905€-9k€32k▲
Appropriation of the result
Profit (loss) to be appropriated9906€901k€933k▲
Profit (loss) brought forward from the previous period14P€910k€901k▼
Social balance
Average headcount (FTE)90871.01.0=
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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €32k
Net result €32k after 3 loss-making years.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €-32k
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €1MEq €1.10M ▲12%
Equity rises from €987k to €1.10M.
01-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Liquidity times 5current ratio 5.57
Current ratio from 1.17 to 5.57; short-term debt falls from €215k to €16k.
08-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
17-04
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
04-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
27-04
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Brussel · 1 establishment unit since 2011
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.
Raketstraat 641130 BrusselGround area
2.0 ha
Building footprint
4,415 m²
Volume, LiDAR
94,400 m³
Parcel 21821C0080/00X004, Brussels · tallest building 30.8 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
MPH Finance
since 20112.200.105.597
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21821C0080/00X004 | Brussels | 2.0 ha | 1 · 4,415 m² | 30.8 m · 7 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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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 12,463 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)
Founded10-06-2011
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:02/726.84.14