muchO Bien
ActivemuchO Bien has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €73k and a net result of €22k. Equity is growing by ~20.7% per year across the filed fiscal years. Its solvency ranks better than 38% of 31697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▼-16
Solvency66▼-5
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.56 against 1.75 in 2024; short-term debt: 49.2% and cash: 62.2% of total assets), but 58.7% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
41.3%
Return on assets
12.2%
Age of the figures
9 mo
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 25-02-2026, 156 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
156 d early
2024
126 d early
2023
125 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€73k▼ 10.3%
2024 · €82k
2023: €43k
2024: €82k
2023 → 2025
Total assets
€177k▼ 1.0%
2024 · €179k
2023: €100k
2024: €179k
2023 → 2025
Net result
€22k▼ 74.2%
2024 · €84k
2023: €64k
2024: €84k
2023 → 2025
Working capital
€49k▼ 32.3%
2024 · €73k
2023: €29k
2024: €73k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€43k-€82k▲ 90.4%€73k▼ 10.3%
Operating result€83k-€107k▲ 29.4%€30k▼ 72.2%
Net result€64k-€84k▲ 31.1%€22k▼ 74.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 72% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €177k
Fixed assets
€41k▲ 350%
Current assets
€137k▼ 19.8%
Equity and liabilities €177k
Equity
€73k▼ 10.3%
Debt
€104k▲ 6.7%
The debt ratio rises from 54.4% to 58.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€39k▼
2024 · €114k
Cash flow
€31k▼
2024 · €91k
Solvency
41.3%▼
2024 · 45.6%
Current ratio
1.56▼
2024 · 1.75
Quick ratio
1.56▼
2024 · 1.75
Debt / equity
1.42▲
2024 · 1.19
ROE
29.5%▼
2024 · 102.5%
ROA
12.2%▼
2024 · 46.7%
Interest coverage
35.06▼
2024 · 274.35
Debt
€104k▲
2024 · €98k
Debt ≤ 1 year
€87k▼
2024 · €97k
Debt > 1 year
€17k
Income taxes
€10k▼
2024 · €24k
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€179k€177k▼
Fixed assets21/28€9k€41k▲
Tangible fixed assets22/27€9k€41k▲
Furniture and vehicles24€9k€41k▲
Current assets29/58€170k€137k▼
Amounts receivable within one year40/41€6k€26k▲
Trade receivables40€6k€26k▲
Current investments50/53€90k-
Cash at bank and in hand54/58€74k€110k▲
Deferred charges and accrued income490/1€755€567▼
Equity and liabilities
Total equity and liabilities10/49€179k€177k▼
Equity10/15€82k€73k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€79k€70k▼
Amounts payable17/49€98k€104k▲
Amounts payable after more than one year17-€17k
Financial debts170/4-€17k
Amounts payable within one year42/48€97k€87k▼
Current portion of amounts payable after more than one year42€2k€14k▲
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€60k€48k▼
Taxes450/3€60k€48k▼
Other amounts payable47/48€33k€22k▼
Accrued charges and deferred income492/3€128€45▼
Income statement
Code20242025
Non-recurring operating income76A-€957
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€9k▲
Other operating charges640/8€376-
Gross operating margin9900€114k€39k▼
Operating profit (loss)9901€107k€30k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€415€1k▲
Recurring financial charges65€415€1k▲
Profit (loss) for the period before taxes9903€108k€31k▼
Income taxes67/77€24k€10k▼
Profit (loss) for the period9904€84k€22k▼
Profit (loss) for the period to be appropriated9905€84k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€124k€100k▼
Profit (loss) brought forward from the previous period14P€40k€79k▲
Profit to be distributed694/7€45k€30k▼
Return on contributions (dividend)694€45k€30k▼
The notes to these accounts (8 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
25-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €22k ▼74.2%
Net result drops to €22k, the lowest in the series.
27-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €84k ▲31.1%
Operating result €107k, net result €84k, both a record.
28-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
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, Liège · 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.
Rue des Wallons 1384000 LiègeGround area
127 m²
Building footprint
40 m²
Volume, LiDAR
438 m³
Parcel 62804D0393/00R005, Wallonia · tallest building 11.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
muchO Bien
since 20232.342.460.423
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62804D0393/00R005 | Wallonia | 127 m² | 1 · 40 m² | 11.6 m · 4 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 82,569 companies in sector 70200 we hold annual accounts for 52,577. 39,829 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-02-2023
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.