MVO
ActiveMVO has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €153k and a net result of €41k. Equity is growing by ~20.6% per year across the filed fiscal years. Its solvency ranks better than 60% of 31697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+7
Solvency91▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 3.55 against 3.9 in 2024; short-term debt: 23.7% and cash: 61% of total assets), and 34% 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○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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
66%
Return on assets
17.7%
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
29 d late
2023
on the day
2022
21 d early
2021
26 d early
2020
18 d early
2019
on the day
← 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
€153k▲ 34.5%
2024 · €113k
2018: €72k
2019: €29k
2020: €63k
2021: €64k
2022: €73k
2023: €92k
2024: €113k
2018 → 2025
Total assets
€231k▲ 25.7%
2024 · €184k
2018: €79k
2019: €38k
2020: €70k
2021: €112k
2022: €103k
2023: €177k
2024: €184k
2018 → 2025
Net result
€41k▲ 86.7%
2024 · €22k
2018: €-21k
2019: €-43k
2020: €34k
2021: €33k
2022: €19k
2023: €21k
2024: €22k
2018 → 2025
Working capital
€140k▲ 36.9%
2024 · €102k
2018: €71k
2019: €29k
2020: €60k
2021: €61k
2022: €68k
2023: €78k
2024: €102k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€64k-€73k▲ 13.5%€92k▲ 27.3%€113k▲ 22.8%€153k▲ 34.5%
Operating result€43k-€29k▼ 33.2%€31k▲ 7.5%€34k▲ 10.4%€60k▲ 77.3%
Net result€33k-€19k▼ 41.6%€21k▲ 7.3%€22k▲ 6.5%€41k▲ 86.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 77% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €231k
Fixed assets
€36k▼ 21.5%
Current assets
€195k▲ 41.6%
Equity and liabilities €231k
Equity
€153k▲ 34.5%
Debt
€78k▲ 11.5%
The debt ratio falls from 38.3% to 34.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€72k▲
2024 · €46k
Cash flow
€53k▲
2024 · €34k
Solvency
66.0%▲
2024 · 61.7%
Current ratio
3.55▼
2024 · 3.90
Quick ratio
3.55▼
2024 · 3.90
Debt / equity
0.51▼
2024 · 0.62
ROE
26.8%▲
2024 · 19.3%
ROA
17.7%▲
2024 · 11.9%
Interest coverage
23.58▲
2024 · 13.50
Debt
€78k▲
2024 · €70k
Debt ≤ 1 year
€55k▲
2024 · €35k
Debt > 1 year
€23k▼
2024 · €35k
Income taxes
€17k▲
2024 · €9k
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€184k€231k▲
Fixed assets21/28€46k€36k▼
Tangible fixed assets22/27€46k€36k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€44k€35k▼
Current assets29/58€137k€195k▲
Amounts receivable within one year40/41€21k€48k▲
Trade receivables40€20k€47k▲
Other amounts receivable41€1k€1k=
Cash at bank and in hand54/58€112k€141k▲
Deferred charges and accrued income490/1€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€184k€231k▲
Equity10/15€113k€153k▲
Contributions10/11€12k€12k=
Reserves13€102k€141k▲
Distributable reserves133€102k€141k▲
Amounts payable17/49€70k€78k▲
Amounts payable after more than one year17€35k€23k▼
Financial debts170/4€35k€23k▼
Amounts payable within one year42/48€35k€55k▲
Current portion of amounts payable after more than one year42€10k€12k▲
Trade debts44€769€3k▲
Suppliers440/4€769€3k▲
Taxes, remuneration and social security45€7k€20k▲
Taxes450/3€7k€18k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€18k€20k▲
Accrued charges and deferred income492/3-€876
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€12k▼
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A€215€330▲
Gross operating margin9900€49k€75k▲
Operating profit (loss)9901€34k€60k▲
Financial income75/76B€492€707▲
Recurring financial income75€492€707▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€31k€58k▲
Income taxes67/77€9k€17k▲
Profit (loss) for the period9904€22k€41k▲
Profit (loss) for the period to be appropriated9905€22k€41k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€41k▲
Transfer to equity691/2€21k€39k▲
To other reserves6921€21k€39k▲
Profit to be distributed694/7€830€2k▲
Return on contributions (dividend)694€830€833▲
Directors or managers695-€1k
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €41k ▲86.7%
Operating result €60k, net result €41k, both a record.
31-12
Financial
Equity above €150kEq €153k ▲34.5%
6 profitable years in a row build equity to €153k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Equity above €100kEq €113k ▲22.8%
5 profitable years in a row build equity to €113k.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €34k
Net result €34k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 9.66
Current ratio from 4.35 to 9.66; short-term debt falls from €9k to €7k.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-43k
Net result drops to €-43k, the lowest in the series; recovery starts the following year.
08-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 8 days late
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 7 days late
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, Antwerpen · 1 establishment unit since 2005
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.
Karel De Wintstraat 362180 AntwerpenGround area
195 m²
Building footprint
85 m²
Volume, LiDAR
682 m³
Parcel 11364F0009/00Z002, Flanders · tallest building 13.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
MVO
since 20052.146.918.420
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11364F0009/00Z002 | Flanders | 195 m² | 1 · 85 m² | 13.2 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.
Similar companies · same sector, comparable size
KOKKINO
BE 0822.708.567
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LAMBERT
BE 0800.231.192
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DE BACKER INVEST
BE 0864.623.653
Herselt · Eq €153k
Manipuro
BE 0729.642.809
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M3A Invest
BE 1021.497.694
Tongeren-Borgloon · Eq €153k
Of 5,700 companies in sector 70100 we hold annual accounts for 3,495. 2,352 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-04-2005
Fiscal year end31-12
Activities, NACEBEL
70100Activities of head offices
74152
Sources
Crossroads Bank for EnterprisesNational Bank · 20 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.