M.W. CONSEIL
ActiveM.W. CONSEIL has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €156k and a net result of €16k. Equity is growing by ~9.3% per year across the filed fiscal years. Its solvency ranks better than 64% of 12643 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
98
/ 100
Excellent▲ +4 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▲+8
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 3.26 against 8.59 in 2024), and 30.5% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
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
69.5%
Return on assets
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 15-06-2026, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 d early
2024
on the day
2023
29 d late
2022
2 d late
2021
31 d late
2020
3 d early
2019
3 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€156k▼ 15.6%
2024 · €185k
2018: €97k
2019: €113k
2020: €129k
2021: €145k
2022: €155k
2023: €169k
2024: €185k
2018 → 2025
Total assets
€224k▲ 7.9%
2024 · €208k
2018: €105k
2019: €139k
2020: €152k
2021: €193k
2022: €191k
2023: €207k
2024: €208k
2018 → 2025
Net result
€16k▲ 1.3%
2024 · €15k
2018: €6k
2019: €16k
2020: €16k
2021: €16k
2022: €10k
2023: €14k
2024: €15k
2018 → 2025
Working capital
€155k▼ 11.8%
2024 · €175k
2018: €96k
2019: €110k
2020: €125k
2021: €130k
2022: €140k
2023: €153k
2024: €175k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€145k-€155k▲ 6.6%€169k▲ 9.3%€185k▲ 9.1%€156k▼ 15.6%
Operating result€24k-€15k▼ 36.2%€23k▲ 50.8%€24k▲ 5.6%€24k▼ 0.3%
Net result€16k-€10k▼ 39.5%€14k▲ 50.2%€15k▲ 6.7%€16k▲ 1.3%
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 0% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €224k
Fixed assets
€1k▼ 87.0%
Current assets
€223k▲ 12.4%
Equity and liabilities €224k
Equity
€156k▼ 15.6%
Debt
€68k▲ 196%
The debt ratio rises from 11.1% to 30.5%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€32k▼
2024 · €32k
Cash flow
€24k▲
2024 · €24k
Solvency
69.5%▼
2024 · 88.9%
Current ratio
3.26▼
2024 · 8.59
Quick ratio
3.26▼
2024 · 8.59
Debt / equity
0.44▲
2024 · 0.12
ROE
10.0%▲
2024 · 8.3%
ROA
7.0%▼
2024 · 7.4%
Interest coverage
187.52▲
2024 · 87.34
Debt
€68k▲
2024 · €23k
Debt ≤ 1 year
€68k▲
2024 · €23k
Income taxes
€10k▲
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€208k€224k▲
Fixed assets21/28€9k€1k▼
Tangible fixed assets22/27€9k€1k▼
Furniture and vehicles24€9k€1k▼
Current assets29/58€198k€223k▲
Amounts receivable within one year40/41€93k€91k▼
Trade receivables40€71k€60k▼
Other amounts receivable41€23k€32k▲
Current investments50/53€100k€101k▲
Cash at bank and in hand54/58€4k€30k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€208k€224k▲
Equity10/15€185k€156k▼
Contributions10/11€6k€6k=
Reserves13€82k€53k▼
Distributable reserves133€82k€53k▼
Profit (loss) carried forward14€96k€97k▲
Amounts payable17/49€23k€68k▲
Amounts payable within one year42/48€23k€68k▲
Current portion of amounts payable after more than one year42€1k-
Trade debts44€6k-
Suppliers440/4€6k-
Taxes, remuneration and social security45€16k€26k▲
Taxes450/3€16k€26k▲
Other amounts payable47/48-€42k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k=
Other operating charges640/8€5k€2k▼
Gross operating margin9900€38k€35k▼
Operating profit (loss)9901€24k€24k▼
Financial income75/76B€955€2k▲
Recurring financial income75€955€2k▲
Financial charges65/66B€370€172▼
Recurring financial charges65€370€172▼
Profit (loss) for the period before taxes9903€25k€26k▲
Income taxes67/77€9k€10k▲
Profit (loss) for the period9904€15k€16k▲
Profit (loss) for the period to be appropriated9905€15k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€111k€112k▲
Profit (loss) brought forward from the previous period14P€96k€96k▲
Transfer from equity791/2-€45k
Transfer to equity691/2€15k€15k=
To other reserves6921€15k€15k=
Profit to be distributed694/7-€45k
Return on contributions (dividend)694-€45k
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
15-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
02-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
31-12
Financial
Equity above €150kEq €155k ▲6.6%
5 profitable years in a row build equity to €155k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €16k ▲4%
Net result €16k, the highest in the series.
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 3 days late
2019
31-12
Financial
Equity above €100kEq €113k ▲16.2%
2 profitable years in a row build equity to €113k.
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 9 days late
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Fleurus · 1 establishment unit since 1997
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.
Rue des Ecoles(WAG) 486223 FleurusGround area
1,555 m²
Building footprint
417 m²
Volume, LiDAR
1,974 m³
2 parcels, Wallonia · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Albert Ier(L) 33, 6220 Fleurus
since 19972.244.308.794
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52070B0229/00E000 | Wallonia | 1,248 m² | 1 · 213 m² | 7.5 m · 2 fl. |
| 52036A0309/00P004 | Wallonia | 307 m² | 1 · 203 m² | 4.2 m · 1 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.
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Fiscal Pax
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Of 12,122 companies in sector 69201 we hold annual accounts for 7,600. 6,481 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-07-1997
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
74122
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.