MVM
ActiveThe computed 12-month bankruptcy probability of MVM is 1.6% (moderate). The 2025 annual accounts show equity of €260k and a net result of €63k. Equity is growing by ~23.8% per year across the filed fiscal years. Its solvency ranks better than 51% of 7293 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
83
/ 100
Excellent▼ -3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency89▼-4
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 2.13 against 2.58 in 2024), but 55.5% 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○neutral
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 · 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
44.5%
Return on assets
10.8%
Age of the figures
8 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 07-07-2026, 24 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
24 d early
2024
31 d early
2023
29 d early
2022
11 d early
2021
12 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€260k▼ 20.1%
2024 · €325k
2021: €94k
2022: €135k
2023: €232k
2024: €325k
2021 → 2025
Total assets
€583k▼ 14.5%
2024 · €682k
2021: €462k
2022: €496k
2023: €579k
2024: €682k
2021 → 2025
Net result
€63k▼ 32.0%
2024 · €93k
2021: €89k
2022: €41k
2023: €98k
2024: €93k
2021 → 2025
Working capital
€118k▼ 38.3%
2024 · €191k
2021: €-182k
2022: €114k
2023: €185k
2024: €191k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€94k-€135k▲ 43.1%€232k▲ 72.5%€325k▲ 39.9%€260k▼ 20.1%
Operating result€120k-€63k▼ 47.8%€146k▲ 133%€135k▼ 7.1%€94k▼ 30.2%
Net result€89k-€41k▼ 54.5%€98k▲ 141%€93k▼ 5.2%€63k▼ 32.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 30% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €583k
Fixed assets
€360k▼ 2.6%
Current assets
€223k▼ 28.7%
Equity and liabilities €583k
Equity
€260k▼ 20.1%
Debt
€324k▼ 9.5%
The debt ratio rises from 52.4% to 55.5%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€116k▼
2024 · €155k
Cash flow
€84k▼
2024 · €112k
Solvency
44.5%▼
2024 · 47.6%
Current ratio
2.13▼
2024 · 2.58
Quick ratio
2.13▼
2024 · 2.58
Debt / equity
1.25▲
2024 · 1.10
ROE
24.2%▼
2024 · 28.5%
ROA
10.8%▼
2024 · 13.6%
Interest coverage
7.56▼
2024 · 11.81
Debt
€324k▼
2024 · €358k
Debt ≤ 1 year
€105k▼
2024 · €121k
Debt > 1 year
€219k▼
2024 · €237k
Income taxes
€26k▼
2024 · €42k
Staff costs
€104k▼
2024 · €114k
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€682k€583k▼
Fixed assets21/28€370k€360k▼
Tangible fixed assets22/27€370k€360k▼
Land and buildings22€356k€340k▼
Plant, machinery and equipment23€8k€14k▲
Furniture and vehicles24€7k€6k▼
Current assets29/58€312k€223k▼
Amounts receivable after more than one year29€140k€140k=
Other amounts receivable291€140k€140k=
Amounts receivable within one year40/41€155k€82k▼
Trade receivables40-€18k
Other amounts receivable41€155k€64k▼
Cash at bank and in hand54/58€16k€744▼
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€682k€583k▼
Equity10/15€325k€260k▼
Contributions10/11€5k€5k=
Reserves13€318k€255k▼
Distributable reserves133€318k€255k▼
Profit (loss) carried forward14€2k-
Amounts payable17/49€358k€324k▼
Amounts payable after more than one year17€237k€219k▼
Financial debts170/4€237k€219k▼
Amounts payable within one year42/48€121k€105k▼
Current portion of amounts payable after more than one year42€18k€18k▼
Financial debts43-€2k
Credit institutions430/8-€2k
Trade debts44€8k€4k▼
Suppliers440/4€8k€4k▼
Advances received on contracts in progress46€5k-
Taxes, remuneration and social security45€90k€82k▼
Taxes450/3€85k€77k▼
Remuneration and social security454/9€5k€4k▼
Income statement
Code20242025
Remuneration, social security and pensions62€114k€104k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€21k▲
Other operating charges640/8€7k€3k▼
Gross operating margin9900€275k€223k▼
Operating profit (loss)9901€135k€94k▼
Financial income75/76B€12k€10k▼
Recurring financial income75€12k€10k▼
Financial charges65/66B€13k€15k▲
Recurring financial charges65€13k€15k▲
Profit (loss) for the period before taxes9903€134k€89k▼
Income taxes67/77€42k€26k▼
Profit (loss) for the period9904€93k€63k▼
Profit (loss) for the period to be appropriated9905€93k€63k▼
Appropriation of the result
Profit (loss) to be appropriated9906€94k€65k▼
Profit (loss) brought forward from the previous period14P€2k€2k▲
Transfer from equity791/2-€128k
Transfer to equity691/2€93k€65k▼
To the legal reserve6920€93k€65k▼
Profit to be distributed694/7-€128k
Return on contributions (dividend)694-€128k
The notes to these accounts (6 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €98k ▲141%
Operating result €146k, net result €98k, both a record.
31-12
Financial
Equity above €200kEq €232k ▲72.5%
3 profitable years in a row build equity to €232k.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €41k ▼54.5%
Net result drops to €41k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 2.25
Current ratio from 0.51 to 2.25; short-term debt falls from €368k to €91k.
31-12
Financial
Equity above €100kEq €135k ▲43.1%
2 profitable years in a row build equity to €135k.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro 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, Scherpenheuvel-Zichem · 1 establishment unit since 2020
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.
Vinkenberg 163271 Scherpenheuvel-ZichemGround area
1.5 ha
Building footprint
274 m²
Volume, LiDAR
1,369 m³
Parcel 24129C0583/00R000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MVM
since 20202.301.490.393
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24129C0583/00R000 | Flanders | 1.5 ha | 1 · 274 m² | 8.6 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.
Similar companies · same sector, comparable size
SAPHIRA
BE 0479.605.711
Ninove · Eq €260k
SUERTE 2020
BE 0759.419.433
Holsbeek · Eq €260k
Entreprises B. Trévisani
BE 0419.813.624
Herstal · Eq €259k
VERBOUWINGSWERKEN BOUDOLF
BE 0444.779.345
Antwerpen · Eq €259k
ERIC PEETERS & C°
BE 0437.293.024
Brecht · Eq €259k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,863. 11,280 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-04-2020
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
43230Insulation installation
43291Specialised construction activities
43992Specialised construction activities
56220Contract catering and other food service activities
56290Food and beverage service activities
71111Activities of building architects
81220Other building cleaning and industrial cleaning
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.