MVEST
ActiveMVEST has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €563k and a net result of €16k. Equity is growing by ~12.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 7330 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
78
/ 100
Excellent▼ -16 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability14▼-86
Solvency100▲+12
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 25.52 against 7.73 in 2024), and 3.9% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
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
96.1%
Return on assets
2.7%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 10-12-2025, 52 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
52 d early
2024
59 d early
2023
43 d early
2022
63 d early
2021
66 d early
2020
68 d early
2019
6 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€563k▲ 2.9%
2024 · €547k
2019: €270k
2020: €280k
2021: €285k
2022: €306k
2023: €344k
2024: €547k
2019 → 2025
Total assets
€586k▼ 53.7%
2024 · €1.27M
2019: €981k
2020: €1.07M
2021: €1.06M
2022: €1.14M
2023: €1.09M
2024: €1.27M
2019 → 2025
Net result
€16k▼ 92.3%
2024 · €203k
2019: €194k
2020: €10k
2021: €5k
2022: €21k
2023: €38k
2024: €203k
2019 → 2025
Working capital
€563k▼ 48.9%
2024 · €1.10M
2019: €803k
2020: €-119k
2021: €-26k
2022: €30k
2023: €19k
2024: €1.10M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€285k-€306k▲ 7.5%€344k▲ 12.4%€547k▲ 59.0%€563k▲ 2.9%
Operating result€16k-€37k▲ 134%€62k▲ 67.0%€298k▲ 382%€33k▼ 88.9%
Net result€5k-€21k▲ 313%€38k▲ 78.8%€203k▲ 434%€16k▼ 92.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 89% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €586k
Fixed assets
€200=
Current assets
€586k▼ 53.7%
Equity and liabilities €586k
Equity
€563k▲ 2.9%
Debt
€23k▼ 96.8%
The debt ratio falls from 56.8% to 3.9%: equity grows while debt is paid down.
Key figures and ratios
Solvency
96.1%▲
2024 · 43.2%
Current ratio
25.52▲
2024 · 7.73
Quick ratio
25.52▲
2024 · 7.73
Debt / equity
0.04▼
2024 · 1.31
ROE
2.8%▼
2024 · 37.1%
ROA
2.7%▼
2024 · 16.0%
Debt
€23k▼
2024 · €719k
Debt ≤ 1 year
€23k▼
2024 · €164k
Debt > 1 year
€0▼
2024 · €555k
Income taxes
€5k▼
2024 · €73k
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€1.27M€586k▼
Fixed assets21/28€200€200=
Tangible fixed assets22/27€0-
Land and buildings22€0-
Financial fixed assets28€200€200=
Current assets29/58€1.27M€586k▼
Amounts receivable within one year40/41€594k€584k▼
Trade receivables40€908€17k▲
Other amounts receivable41€593k€567k▼
Current investments50/53€670k€0▼
Cash at bank and in hand54/58€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.27M€586k▼
Equity10/15€547k€563k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€527k€543k▲
Amounts payable17/49€719k€23k▼
Amounts payable after more than one year17€555k€0▼
Financial debts170/4€555k€0▼
Amounts payable within one year42/48€164k€23k▼
Current portion of amounts payable after more than one year42€84k€0▼
Financial debts43-€9k
Credit institutions430/8-€9k
Trade debts44€936€2k▲
Suppliers440/4€936€2k▲
Taxes, remuneration and social security45€75k€602▼
Taxes450/3€75k€602▼
Other amounts payable47/48€4k€11k▲
Income statement
Code20242025
Non-recurring operating income76A€283k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0-
Other operating charges640/8€1k€4k▲
Gross operating margin9900€299k€37k▼
Operating profit (loss)9901€298k€33k▼
Financial charges65/66B€22k€12k▼
Recurring financial charges65€22k€12k▼
Profit (loss) for the period before taxes9903€276k€21k▼
Income taxes67/77€73k€5k▼
Profit (loss) for the period9904€203k€16k▼
Profit (loss) for the period to be appropriated9905€203k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€527k€543k▲
Profit (loss) brought forward from the previous period14P€324k€527k▲
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
Next filing, fiscal year 2026, expected by
2025
10-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Liquidity triplescurrent ratio 25.52
Current ratio from 7.73 to 25.52; short-term debt falls from €164k to €23k.
2024
03-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Highest result since 2019net €203k ▲434%
Operating result €298k, net result €203k, both a record.
30-06
Financial
Liquidity times 7current ratio 7.73
Current ratio from 1.18 to 7.73.
30-06
Financial
Equity above €500kEq €547k ▲59%
6 profitable years in a row build equity to €547k.
2023
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
29-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Liquidity triplescurrent ratio 1.27
Current ratio from 0.50 to 1.27.
2021
26-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Weakest financial yearnet €5k ▼49.9%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
2020
24-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
06-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 6 days late
2018
03-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Brussel · 1 establishment unit since 2016
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.
Congresstraat 351000 BrusselGround area
120 m²
Building footprint
89 m²
Volume, LiDAR
1,408 m³
Parcel 21803C0244/00Y000, Brussels · tallest building 21.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Congresstraat 35, 1000 Brussel
since 20162.257.430.421
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21803C0244/00Y000 ProtectedSite or landscapeVrijheidsplein en omliggende gebouwen - Onze-Lieve-Vrouw-ter-Sneeuwwijk |
Brussels | 120 m² | 1 · 88 m² | 21.9 m · 5 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
Verhoeve Belgium
BE 0889.555.029
Antwerpen · Eq €564k
ALGEMENE DAK-& RENOVATIEWERKEN SCHIETTECATTE
BE 0841.906.748
Nazareth-De Pinte · Eq €562k
PIETER LAFAUT
BE 0849.349.222
Pittem · Eq €562k
THE WALLS
BE 0879.162.666
Antwerpen · Eq €564k
AMEYE IVAN
BE 0833.811.505
Houthulst · Eq €562k
Of 29,551 companies in sector 41001 we hold annual accounts for 15,877. 8,678 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded12-09-2016
Fiscal year end30-06
Activities, NACEBEL
41001General construction of residential buildings
68321Property management for co-owned buildings (syndics)
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.