MV-CONSULT
ActiveMV-CONSULT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show negative equity (€-9k) and a net result of €-30k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 3322 sector peers (fiscal year 2024). The company has been active since 2008 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
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 3322 sector peers (2024).
NBB · sector comparisonPosition among 3322 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-06-2025, 41 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
41 d early
2023
33 d early
2022
157 d early
2021
93 d early
2020
36 d early
2019
21 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-9k
2023 · €21k
2018: €4k
2019: €5k
2020: €26k
2021: €71k
2022: €59k
2023: €21k
2018 → 2024
Net result
€-30k▲ 20.8%
2023 · €-38k
2018: €8k
2019: €669
2020: €21k
2021: €46k
2022: €-13k
2023: €-38k
2018 → 2024
Total assets
€39k▼ 20.5%
2023 · €49k
2018: €55k
2019: €71k
2020: €93k
2021: €130k
2022: €68k
2023: €49k
2018 → 2024
Solvency
-23.7%▼ 66.2pp
2023 · 42.5%
2018: 7.5%
2019: 6.7%
2020: 27.6%
2021: 55.1%
2022: 86.3%
2023: 42.5%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€26k-€71k▲ 177%€59k▼ 17.7%€21k▼ 64.6%€-9k
Operating result€25k-€65k▲ 165%€-5k€-36k▼ 586%€-30k▲ 17.7%
Net result€21k-€46k▲ 118%€-13k€-38k▼ 201%€-30k▲ 20.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €30k in 2024 against €36k in 2023; the loss shrinks.
Key figures and ratios
Solvency
-23.7%▼
2023 · 42.5%
ROA
-77.2%▲
2023 · -77.5%
Debt
€48k▲
2023 · €28k
Debt ≤ 1 year
€14k▲
2023 · €2k
Debt > 1 year
€34k▲
2023 · €26k
Income taxes
€107▼
2023 · €2k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€49k€39k▼
Current assets29/58€49k€39k▼
Stocks and contracts in progress3€17k€17k=
Stocks30/36€17k€17k=
Amounts receivable within one year40/41€27k€15k▼
Trade receivables40€13k€14k▲
Other amounts receivable41€13k€473▼
Cash at bank and in hand54/58€6k€8k▲
Deferred charges and accrued income490/1€101-
Equity and liabilities
Total equity and liabilities10/49€49k€39k▼
Equity10/15€21k€-9k▼
Contributions10/11€19k€19k=
Reserves13€53k€53k=
Distributable reserves133€53k€53k=
Profit (loss) carried forward14€-51k€-81k▼
Amounts payable17/49€28k€48k▲
Amounts payable after more than one year17€26k€34k▲
Financial debts170/4€26k€34k▲
Amounts payable within one year42/48€2k€14k▲
Trade debts44€231€185▼
Suppliers440/4€231€185▼
Taxes, remuneration and social security45€1k€13k▲
Taxes450/3€1k€694▼
Remuneration and social security454/9-€12k
Other amounts payable47/48€760€1k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k-
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A€109-
Gross operating margin9900€-26k€-29k▼
Operating profit (loss)9901€-36k€-30k▲
Financial income75/76B€11-
Recurring financial income75€11-
Financial charges65/66B€68€64▼
Recurring financial charges65€68€64▼
Profit (loss) for the period before taxes9903€-36k€-30k▲
Income taxes67/77€2k€107▼
Profit (loss) for the period9904€-38k€-30k▲
Profit (loss) for the period to be appropriated9905€-38k€-30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-51k€-81k▼
Profit (loss) brought forward from the previous period14P€-13k€-51k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-38k
Net result drops to €-38k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 22.38
Current ratio from 6.31 to 22.38; short-term debt falls from €9k to €2k.
24-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 6.31
Current ratio from 3.05 to 6.31; short-term debt falls from €36k to €9k.
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €46k ▲118%
Operating result €65k, net result €46k, both a record.
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
27-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated 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, Aalst · 1 establishment unit since 2008
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.
Kapittelstraat 619310 AalstGround area
1,270 m²
Building footprint
149 m²
Volume, LiDAR
814 m³
Parcel 41042C0662/00B000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MV-CONSULT
since 20082.174.534.518
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41042C0662/00B000 | Flanders | 1,270 m² | 1 · 149 m² | 7.8 m · 2 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 1,507 companies in sector 66199 we hold annual accounts for 917. 420 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-10-2008
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 16 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.