Projet-MC3
ActiveThe computed 12-month bankruptcy probability of Projet-MC3 is 1.9% (moderate). The 2025 annual accounts show equity of €58k and a net result of €20k. Its solvency ranks better than 80% of 18040 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency96▼-2
Growth52
Track record82
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 3.38 against 3.7 in 2024; short-term debt: 28.2% and cash: 72.9% of total assets), and 29% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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 47
Relative position
BE, all sectors
reference
Sector 47
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
71%
Return on assets
24.6%
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 26-02-2026, 155 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
155 d early
2024
142 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€58k▲ 49.8%
2024 · €39k
2024: €39k
2024 → 2025
Total assets
€82k▲ 54.0%
2024 · €53k
2024: €53k
2024 → 2025
Net result
€20k▼ 32.0%
2024 · €30k
2024: €30k
2024 → 2025
Working capital
€55k▲ 41.7%
2024 · €39k
2024: €39k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€39k-€58k▲ 49.8%
Operating result€37k-€29k▼ 21.5%
Net result€30k-€20k▼ 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 falls in 2025; 2025 is 22% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €82k
Fixed assets
€4k
Current assets
€78k
Equity and liabilities €82k
Equity
€58k▲ 49.8%
Debt
€24k▲ 65.4%
The debt ratio rises from 27.0% to 29.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€31k
Cash flow
€22k
Solvency
71.0%▼
2024 · 73.0%
Current ratio
3.38▼
2024 · 3.70
Quick ratio
3.38▼
2024 · 3.70
Debt / equity
0.41▲
2024 · 0.37
ROE
34.7%▼
2024 · 76.5%
ROA
24.6%▼
2024 · 55.8%
Interest coverage
68.62
Debt
€24k▲
2024 · €14k
Debt ≤ 1 year
€23k▲
2024 · €14k
Debt > 1 year
€646
Income taxes
€9k▲
2024 · €8k
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€53k€82k▲
Fixed assets21/28€0€4k▲
Intangible fixed assets21€0€0=
Tangible fixed assets22/27-€4k
Furniture and vehicles24-€4k
Current assets29/58€53k€78k▲
Amounts receivable within one year40/41€32k€17k▼
Trade receivables40€32k€17k▼
Other amounts receivable41-€409
Cash at bank and in hand54/58€21k€60k▲
Deferred charges and accrued income490/1€48€963▲
Equity and liabilities
Total equity and liabilities10/49€53k€82k▲
Equity10/15€39k€58k▲
Contributions10/11€10k€10k=
Reserves13-€20k
Distributable reserves133-€20k
Profit (loss) carried forward14€29k€28k▼
Amounts payable17/49€14k€24k▲
Amounts payable after more than one year17-€646
Financial debts170/4-€646
Amounts payable within one year42/48€14k€23k▲
Current portion of amounts payable after more than one year42-€2k
Trade debts44€754€4k▲
Suppliers440/4€754€4k▲
Taxes, remuneration and social security45€12k€16k▲
Taxes450/3€10k€16k▲
Remuneration and social security454/9€3k-
Other amounts payable47/48€1k€833▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€2k
Other operating charges640/8€387€1k▲
Non-recurring operating charges66A€3k€81▼
Gross operating margin9900€41k€32k▼
Operating profit (loss)9901€37k€29k▼
Financial charges65/66B€117€453▲
Recurring financial charges65€117€453▲
Profit (loss) for the period before taxes9903€37k€29k▼
Income taxes67/77€8k€9k▲
Profit (loss) for the period9904€30k€20k▼
Profit (loss) for the period to be appropriated9905€30k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€30k€49k▲
Profit (loss) brought forward from the previous period14P-€29k
Transfer to equity691/2-€20k
To other reserves6921-€20k
Profit to be distributed694/7€859€833▼
Return on contributions (dividend)694€859€833▼
The notes to these accounts (8 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
26-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Namur · 1 establishment unit since 2024
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.
Chaussée de Louvain(CH) 7405020 NamurGround area
765 m²
Building footprint
252 m²
Volume, LiDAR
842 m³
2 parcels, Brussels, Wallonia · tallest building 16.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
ECOLOGE
since 20242.357.093.664
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92024D0193/00D000 | Wallonia | 662 m² | 1 · 181 m² | - |
| 21673D0146/00M011 | Brussels | 102 m² | 1 · 70 m² | 16.5 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
DAINEFF Claude
BE 0547.830.165
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BRICO - LIENNE
BE 0471.695.855
Lierneux · Eq €58k
Brico Hafsa
BE 0894.046.921
Brussel · Eq €58k
BELGOBRI
BE 0633.674.373
Liège · Eq €58k
BASBARAS DISTRIBUTION
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Namur · Eq €58k
Of 1,722 companies in sector 47521 we hold annual accounts for 1,289. 697 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-01-2024
Fiscal year end31-12
Activities, NACEBEL
47521Retail sale of hardware, building materials, paint and glass (general range)
47120Other non-specialised retail sale
47525Retail trade
47910Retail trade
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
77221Rental and leasing activities
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.