MS Detailing & Construction
ActiveThe computed 12-month bankruptcy probability of MS Detailing & Construction is 2.0% (moderate). The 2025 annual accounts show equity of €27k and a net result of €28k. Equity is growing by ~74.8% per year across the filed fiscal years. Its solvency ranks better than 42% of 1887 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
89
/ 100
Excellent▲ +23 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency61▲+19
Growth78=
Stability94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.12 against 0.74 in 2024), and 62.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 25
Relative position
BE, all sectors
reference
Sector 25
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
37.7%
Return on assets
39%
Age of the figures
8 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 12-08-2026, 12 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 · 3 filingsDeviation from the deadline
2025
12 d late
2024
31 d late
2023
31 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€38k
EBIT margin
65.9%
Net result
€28k▲ 5.5%
2024 · €26k
2023: €24k
2024: €26k
2023 → 2025
Working capital
€5k
2024 · €-9k
2023: €-21k
2024: €-9k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Turnover€38k-
Equity€4k-€15k▲ 239%€27k▲ 79.1%
Operating result€25k-€30k▲ 21.3%€32k▲ 7.4%
Net result€24k-€26k▲ 11.5%€28k▲ 5.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 7% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €72k
Fixed assets
€27k▲ 11.4%
Current assets
€45k▲ 75.4%
Equity and liabilities €72k
Equity
€27k▲ 79.1%
Debt
€45k▲ 29.0%
The debt ratio falls from 69.6% to 62.3%: equity grows faster than debt.
Key figures and ratios
EBITDA
€44k▲
2024 · €40k
Cash flow
€40k▲
2024 · €37k
Solvency
37.7%▲
2024 · 30.4%
Current ratio
1.12▲
2024 · 0.74
Quick ratio
1.12▲
2024 · 0.74
Debt / equity
1.65▼
2024 · 2.29
ROE
103.3%▼
2024 · 175.3%
ROA
39.0%▼
2024 · 53.3%
Interest coverage
56.13▼
2024 · 128.94
Debt
€45k▲
2024 · €35k
Debt ≤ 1 year
€40k▲
2024 · €35k
Debt > 1 year
€5k
Income taxes
€3k▲
2024 · €3k
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€50k€72k▲
Fixed assets21/28€24k€27k▲
Tangible fixed assets22/27€24k€27k▲
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€19k€24k▲
Current assets29/58€26k€45k▲
Amounts receivable within one year40/41€16k€26k▲
Trade receivables40€16k€26k▲
Other amounts receivable41€559-
Cash at bank and in hand54/58€9k€16k▲
Deferred charges and accrued income490/1€139€2k▲
Equity and liabilities
Total equity and liabilities10/49€50k€72k▲
Equity10/15€15k€27k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€14k€26k▲
Amounts payable17/49€35k€45k▲
Amounts payable after more than one year17-€5k
Financial debts170/4-€5k
Amounts payable within one year42/48€35k€40k▲
Current portion of amounts payable after more than one year42-€3k
Trade debts44€3k€1k▼
Suppliers440/4€3k€1k▼
Taxes, remuneration and social security45€15k€18k▲
Taxes450/3€12k€15k▲
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€16k€17k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€12k▲
Other operating charges640/8€150€810▲
Non-recurring operating charges66A€984€483▼
Gross operating margin9900€41k€46k▲
Operating profit (loss)9901€30k€32k▲
Financial income75/76B€55€37▼
Recurring financial income75€55€37▼
Financial charges65/66B€310€792▲
Recurring financial charges65€310€792▲
Profit (loss) for the period before taxes9903€30k€31k▲
Income taxes67/77€3k€3k▲
Profit (loss) for the period9904€26k€28k▲
Profit (loss) for the period to be appropriated9905€26k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€29k€42k▲
Profit (loss) brought forward from the previous period14P€3k€14k▲
Profit to be distributed694/7€16k€16k▲
Return on contributions (dividend)694€833€1k▲
Directors or managers695€15k€15k=
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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
31-12
Financial
Highest result since 2023net €28k ▲5.5%
Operating result €32k, net result €28k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 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, Scherpenheuvel-Zichem · 1 establishment unit since 2023
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.
Groenhoef 1243270 Scherpenheuvel-ZichemGround area
118 m²
Building footprint
118 m²
Parcel 24098B0340/00C000, Flanders. Linked by address, not a title deed.
1 establishment unit
MS Detailing & Construction
since 20232.351.108.764
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24098B0340/00C000 | Flanders | 118 m² | 1 · 118 m² | - |
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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CLASSIC CHROME
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Manage · Eq €26k
ARENA INOS
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DWS Industry
BE 1010.722.479
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DEMAJO
BE 0752.915.582
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Of 708 companies in sector 25510 we hold annual accounts for 407. 188 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-08-2023
Fiscal year end31-12
Activities, NACEBEL
25510Coating of metals
25610Manufacture of fabricated metal products, except machinery and equipment
25401Forging of metal
25999Manufacture of fabricated metal products, except machinery and equipment
33110Repair and maintenance of fabricated metal products
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.