MT-Invest
ActiveMT-Invest has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18k and a net result of €-5k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 95% of 7760 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
short-term debt: 0.5% and cash: 97.6% of total assets, and 1.8% 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.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
98.2%
Return on assets
-26.6%
Age of the figures
12 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-5k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 12-02-2026, 77 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
77 d early
2024
30 d early
2023
19 d early
2022
41 d early
2021
4 d early
2020
13 d late
2019
36 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€18k▼ 21.3%
2024 · €23k
2018: €17k
2019: €16k
2020: €35k
2021: €29k
2022: €37k
2023: €29k
2024: €23k
2018 → 2025
Total assets
€19k▼ 22.6%
2024 · €24k
2018: €17k
2019: €17k
2020: €45k
2021: €30k
2022: €39k
2023: €31k
2024: €24k
2018 → 2025
Net result
€-5k▲ 8.8%
2024 · €-5k
2018: €-6k
2019: €-981
2020: €19k
2021: €-6k
2022: €8k
2023: €-8k
2024: €-5k
2018 → 2025
Working capital
€19k▼ 20.2%
2024 · €23k
2018: €17k
2019: €16k
2020: €35k
2021: €30k
2022: €38k
2023: €31k
2024: €23k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€29k-€37k▲ 26.6%€29k▼ 21.1%€23k▼ 18.9%€18k▼ 21.3%
Operating result€-6k-€9k€-8k€-5k▲ 28.6%€-5k▲ 9.0%
Net result€-6k-€8k€-8k€-5k▲ 29.4%€-5k▲ 8.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2025 against €5k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €19k
Equity
€18k▼ 21.3%
Debt
€338▼ 59.5%
The debt ratio falls from 3.4% to 1.8%. Equity and debt are lower.
Key figures and ratios
Solvency
98.2%▲
2024 · 96.6%
Debt / equity
0.02▼
2024 · 0.04
ROE
-27.1%▼
2024 · -23.4%
ROA
-26.6%▼
2024 · -22.5%
Debt
€338▼
2024 · €833
Debt ≤ 1 year
€90▼
2024 · €833
A ratio outside any meaningful range has been withheld (balance sheet total €19k, equity €18k).
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€24k€19k▼
Current assets29/58€24k€19k▼
Amounts receivable within one year40/41€403€450▲
Trade receivables40€136€326▲
Other amounts receivable41€267€124▼
Cash at bank and in hand54/58€24k€18k▼
Equity and liabilities
Total equity and liabilities10/49€24k€19k▼
Equity10/15€23k€18k▼
Contributions10/11€19k€19k=
Reserves13€17k€17k=
Distributable reserves133€17k€17k=
Profit (loss) carried forward14€-13k€-18k▼
Amounts payable17/49€833€338▼
Amounts payable within one year42/48€833€90▼
Trade debts44€744€0▼
Suppliers440/4€744€0▼
Other amounts payable47/48€90€90=
Accrued charges and deferred income492/3€0€248▲
Income statement
Code20242025
Other operating charges640/8€115€513▲
Gross operating margin9900€-5k€-4k▲
Operating profit (loss)9901€-5k€-5k▲
Financial charges65/66B€49€54▲
Recurring financial charges65€49€54▲
Profit (loss) for the period before taxes9903€-5k€-5k▲
Profit (loss) for the period9904€-5k€-5k▲
Profit (loss) for the period to be appropriated9905€-5k€-5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€-18k▼
Profit (loss) brought forward from the previous period14P€-7k€-13k▼
Transfer from equity791/2€0-
The notes to these accounts (1 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
12-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Liquidity times 7current ratio 209.33
Current ratio from 29.09 to 209.33; short-term debt falls from €833 to €90.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
11-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Weakest financial yearnet €-8k ▼201%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity times 5current ratio 128.72
Current ratio from 23.56 to 128.72; short-term debt falls from €2k to €241.
20-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
26-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Liquidity times 68current ratio 295.10
Current ratio from 4.33 to 295.10; short-term debt falls from €10k to €101.
13-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 13 days late
2020
30-09
Financial
Back to profitnet €19k
Net result €19k after 2 loss-making years.
25-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
27-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
19-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Middelkerke · 1 establishment unit since 2017
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.
Lombardsijdelaan 1188434 MiddelkerkeGround area
1,022 m²
Building footprint
268 m²
Volume, LiDAR
2,012 m³
Parcel 35022B0311/00D014, Flanders · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
MT-Invest
since 20172.261.225.594
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35022B0311/00D014 | Flanders | 1,022 m² | 1 · 268 m² | 11.7 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
BOGAERTS
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COVRR
BE 0776.432.738
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GROND- EN BETONWERKEN TDC
BE 0743.494.508
Zottegem · Eq €18k
S.A.D.
BE 0866.685.793
Messancy · Eq €18k
DRX BOUW
BE 0788.532.794
Sint-Pieters-Leeuw · Eq €18k
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 5,097 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-01-2017
Fiscal year end30-09
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
43910Bricklaying and masonry work
43994Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.