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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
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Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of M4F is 0.8% (low). The 2023 annual accounts show equity of €10k and a net result of €5k. The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 13 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 06-08-2025, 6 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 06-08-2025 | 6 d late | 2025-00376891 |
| 31-12-2023 | 31-07-2024 | 03-07-2024 | 28 d early | 2024-00208190 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.8%
Low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Young company
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€5k
Working capital€9k
Annual accounts & ratios
Source: NBB · 2023Annual accounts filed on 06-08-2025 with the NBB · fiscal year 2024 · volledig
| Fiscal year | 2023 |
|---|---|
| Deposit | volledig |
| Revenue | - |
| EBITDA | €8k |
| Net profit | €5k |
| Cash flow | €6k |
| Staff costs | €7k |
| Income taxes | €1k |
| Dividends | - |
| Total assets | €43k |
| Equity | €10k |
| Debt | €33k |
| of which ≤ 1y | €33k |
| of which > 1y | - |
| Working capital | €9k |
| Employees (FTE) | 1.0 |
Ratios (computed)
| 2023 | |
|---|---|
| Current ratio | 1.26 |
| Quick ratio | 1.26 |
| Working capital ratio | 20.0% |
| Solvency | 23.5% |
| Debt / equity | 3.26 |
| Long-term debt ratio | - |
| Interest coverage | 47.89 |
| Gross margin | - |
| Net margin | - |
| ROA | 11.8% |
| ROE | 50.1% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2023 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €43k |
| Fixed assets | 21/28 | €1k |
| Financial fixed assets | 28 | €1k |
| Current assets | 29/58 | €41k |
| Amounts receivable within one year | 40/41 | €38k |
| Cash & bank | 54/58 | €3k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €43k |
| Equity | 10/15 | €10k |
| Contributions / capital | 10/11 | €5k |
| Accumulated profits (losses) | 14 | €5k |
| Amounts payable | 17/49 | €33k |
| Amounts payable within one year | 42/48 | €33k |
| Trade debts payable within one year | 44 | €12k |
| Income statement | ||
| Gross operating margin | 9900 | €16k |
| Operating result | 9901 | €6k |
| Financial charges | 65 | €162 |
| Result before taxes | 9903 | €6k |
| Income taxes | 67/77 | €1k |
| Net result for the period | 9904 | €5k |
| Result to be appropriated | 9905 | €5k |
Ratios computed by Checked.
Health barometer
FY 2023 · computed68
/ 100
Healthy
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.
Directors
Directors & mandates
2 directorsCurrent directors & mandates
-
Sophie WATHELETDirectorState Gazette act 24084388 (04-06-2024)Current19-04-2024 → present
2 events
- 19-04-2024 Appointed· Director
- 01-02-2023 Resigned· Director
-
Philippe DUBOISDirectorState Gazette act 23036087 (13-03-2023)Current01-02-2023 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies(70200) |
| Legal form | Private limited company(610) |
| Incorporation | 23-01-2023 |
| Status | Active |
| Postal code | 6040 |
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationM4F
since 20232.358.851.938
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area9,994 m²
Buildings1
Building footprint3,265 m²
Volume (LiDAR)31,190 m³
Tallest building11.1 m · ±3 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52034B1039/00Z004 | Wallonia | 9,994 m² | 1 · 3,265 m² | 11.1 m · 3 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
3 acts Address history · 2
29-08-2025
Registered-office move
04-06-2024
Registered-office move
All acts · 3
updated 11 months ago
2025
29-08-2025 Registered office moved from Liège to Jumet
- 6040 Jumet, Zoning Industriel, 46me Rue 33
2024
04-06-2024 Registered office moved
2023
13-03-2023 2 directors appointed, 1 resigning
- Philippe DUBOIS, Bestuurder
- Julie Decelle, Dagelijks bestuur
- Sophie WATHELET, Bestuurder
Analysis
Snowflake analysis
financial profile on 5 axes72
/ 100
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
68
Profitability
100
Solvency
40
Growth
-
Stability
79
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Company registry
Company registry (CBE)
Crossroads BankActivities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220
Primary activity highlighted.
Names & trade names
| Legal nameFR | M4F |
Registered office
Zoning de Jumet,4ème rue 33
6040 Charleroi, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.