MV & CO CONSULT
ActiveSummary
MV & CO CONSULT has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €58k and a net result of €20k. Equity is growing by ~124% per year across the filed fiscal years. Its solvency ranks better than 14% of 20782 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. The figures in the accounts for fiscal year 2024 give a score of 59 on their own. A confirmed filing finding caps the score. Each of these causes sets the same score on its own. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability62▼-29
Solvency38▼-5
Growth78=
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days only on tighter terms
Liquidity tight (current ratio 1.25 against 3.03 in 2023; short-term debt: 18.2% and cash: 0.2% of total assets), and 86.5% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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
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 2024Solvency, return and age of the figures
Solvency
13.5%
Return on assets
4.6%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 20782 sector peers (2024).
NBB · sector comparisonPosition among 20782 sector peers
Solvency
better than 14%
← weakest
strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 05-11-2025, 97 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
97 d late
2023
34 d early
2022
79 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€58k▲ 52.7%
2023 · €38k
2022: €-39k
2023: €38k
2022 → 2024
Total assets
€432k▲ 106%
2023 · €210k
2022: €112k
2023: €210k
2022 → 2024
Net result
€20k▼ 45.4%
2023 · €37k
2022: €-42k
2023: €37k
2022 → 2024
Working capital
€20k▼ 51.0%
2023 · €41k
2022: €-37k
2023: €41k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€-39k-€38k€58k▲ 52.7%
Operating result€-41k-€41k€30k▼ 25.9%
Net result€-42k-€37k€20k▼ 45.4%
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 2024; 2024 is 26% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €432k
Fixed assets
€333k ▲ 124%
Current assets
€98k ▲ 61.8%
Equity and liabilities €432k
Equity
€58k ▲ 52.7%
Debt
€374k ▲ 117%
Debt's share of the balance-sheet total rises from 81.9% to 86.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€45k▼
2023 · €46k
Cash flow
€35k▼
2023 · €42k
Current ratio
1.25▼
2023 · 3.03
Debt to equity
6.43▲
2023 · 4.52
ROE
34.5%▼
2023 · 96.5%
ROA
4.6%▼
2023 · 17.5%
Interest coverage
4.47▼
2023 · 10.58
Debt ≤ 1 year
€78k▲
2023 · €20k
Debt > 1 year
€292k▲
2023 · €152k
Staff costs
€38k▼
2023 · €70k
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 · 2024 against 2023 · 46 lines
Balance sheet
Code20232024
Assets
Total assets20/58€210k€432k▲
Fixed assets21/28€149k€333k▲
Intangible fixed assets21-€183k
Tangible fixed assets22/27€146k€147k▲
Land and buildings22€146k€146k▲
Other tangible fixed assets26-€1k
Financial fixed assets28€4k€4k=
Current assets29/58€61k€98k▲
Amounts receivable within one year40/41€48k€96k▲
Trade receivables40€30k€96k▲
Other amounts receivable41€18k€55▼
Cash at bank and in hand54/58-€1k
Deferred charges and accrued income490/1€13k€2k▼
Equity and liabilities
Total equity and liabilities10/49€210k€432k▲
Equity10/15€38k€58k▲
Contributions10/11€3k€3k=
Revaluation surpluses12€39k€38k▼
Reserves13€1k€3k▲
Distributable reserves133€1k€3k▲
Profit (loss) carried forward14€-6k€14k▲
Amounts payable17/49€172k€374k▲
Amounts payable after more than one year17€152k€292k▲
Financial debts170/4€152k€292k▲
Amounts payable within one year42/48€20k€78k▲
Current portion of amounts payable after more than one year42€6k€26k▲
Financial debts43€90-
Credit institutions430/8€90-
Taxes, remuneration and social security45€14k€30k▲
Taxes450/3€11k€27k▲
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48-€23k
Accrued charges and deferred income492/3-€3k
Income statement
Code20232024
Remuneration, social security and pensions62€70k€38k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€15k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€117k€85k▼
Operating profit (loss)9901€41k€30k▼
Financial income75/76B€426€20▼
Recurring financial income75€426€20▼
Financial charges65/66B€4k€10k▲
Recurring financial charges65€4k€10k▲
Profit (loss) for the period before taxes9903€37k€20k▼
Profit (loss) for the period9904€37k€20k▼
Profit (loss) for the period to be appropriated9905€37k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€14k▲
Profit (loss) brought forward from the previous period14P€-42k€-6k▲
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
05-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 97 days late
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €37k
Net result €37k after one loss-making year.
31-12
Financial
Liquidity times 9current ratio 3.03
Current ratio from 0.34 to 3.03; short-term debt falls from €56k to €20k.
18-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 79 days late
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, Courcelles · 1 establishment unit since 2022
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.
Place Franklin D. Roosevelt(CO) 66180 CourcellesGround area
401 m²
Building footprint
69 m²
Volume, LiDAR
601 m³
Parcel 52015B0944/00E000, Wallonia · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
MV & CO CONSULT
since 20222.328.328.018
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52015B0944/00E000 | Wallonia | 401 m² | 1 · 69 m² | 11.8 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.
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Of 16,884 companies in sector 62100 we hold annual accounts for 8,775. 6,881 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
Founded04-01-2022
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
62100Computer programming
56111Full-service restaurants
62200Computer consultancy and computer facilities management
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:mvandcoconsult@gmail.com