Age5 yrs
Real estate1 parcel · 1,740 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of MCCM is 2.7% (moderate). The 2024 annual accounts show negative equity (€-18k) and a net result of €-15k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 6% of 2546 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 4 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone2.7%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Annual accounts: weaker financial profile
+Higher-failure-rate region
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidenceNegative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
View the annual accounts Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
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, 16 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 29-09-2025, 60 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 4 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 | 29-09-2025 | 60 d late | 2025-00509447 |
| 31-12-2023 | 31-07-2024 | 25-09-2024 | 56 d late | 2024-00471540 |
| 31-12-2022 | 31-07-2023 | 07-08-2023 | 7 d late | 2023-00317732 |
| 31-12-2021 | 31-07-2022 | 29-08-2022 | 29 d late | 2022-20336911 |
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 2020, 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.
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-15k-834.6%
Working capital€-35k-16.0%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 29-09-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 73, Advertising & market research · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -38.1% | 56.3% | |
| Net result | €-15k | €19k | |
| Equity | €-18k | €43k | |
| Gross operating margin | €3k | €37k | |
| Total assets | €46k | €93k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P6
Stable position over 2021-2024
· n=847-2546
P8
Weakening position over 2021-2024
· n=847-2548
P5
Stable position over 2021-2024
· n=848-2546
P17
Improving position over 2021-2024
· n=847-2545
Describes the position versus peers, not a forecast.
€2k
-87.4%
21-24
€-15k
-834.6%
21-24
€1k
-90.0%
21-24
€46k
-31.2%
21-24
€-18k
-607.7%
21-24
€-35k
-16.0%
21-24
€726
+222.7%
21-24
€64k
-8.3%
21-24
Show 9 other metrics
€63k
+0.5%
21-24
€1k
-85.5%
21-24
0.45
-14.2%
21-24
0.45
-14.2%
21-24
-38.1%
-928.4%
21-24
-3.62
+87.0%
21-24
85.9%
+32.1%
21-24
-32.7%
-1258.2%
21-24
3.68
-86.4%
21-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €2k |
| Net profit | €-15k |
| Cash flow | €1k |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €46k |
| Equity | €-18k |
| Debt | €64k |
| of which ≤ 1y | €63k |
| of which > 1y | €1k |
| Working capital | €-35k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.45 |
| Quick ratio | 0.45 |
| Working capital ratio | -75.1% |
| Solvency | -38.1% |
| Debt / equity | -3.62 |
| Long-term debt ratio | -0.06 |
| Interest coverage | 3.68 |
| Gross margin | - |
| Net margin | - |
| ROA | -32.7% |
| ROE | 85.9% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts (21 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €46k |
| Fixed assets | 21/28 | €18k |
| Tangible fixed assets | 22/27 | €18k |
| Current assets | 29/58 | €28k |
| Amounts receivable within one year | 40/41 | €2k |
| Cash & bank | 54/58 | €26k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €46k |
| Equity | 10/15 | €-18k |
| Contributions / capital | 10/11 | €3k |
| Accumulated profits (losses) | 14 | €-21k |
| Amounts payable | 17/49 | €64k |
| Amounts payable after one year | 17 | €1k |
| Amounts payable within one year | 42/48 | €63k |
| Trade debts payable within one year | 44 | €3k |
| Income statement | ||
| Gross operating margin | 9900 | €3k |
| Operating result | 9901 | €-15k |
| Financial income | 75 | €3 |
| Financial charges | 65 | €500 |
| Result before taxes | 9903 | €-15k |
| Net result for the period | 9904 | €-15k |
| Result to be appropriated | 9905 | €-15k |
This table shows the latest fiscal year. 3 prior years, with figures and ratios, belong to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed25
/ 100
Weak
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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 du Vieux fermier(WD) 345100 NamurEstablishment units
1 locationMCCM SRL
since 20212.313.835.723
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,740 m²
Buildings1
Building footprint176 m²
Volume (LiDAR)972 m³
Tallest building7.6 m · ±2 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. |
|---|---|---|---|---|
| 92136A0190/00Z000 | Wallonia | 1,740 m² | 1 · 176 m² | 7.6 m · 2 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 All acts · 3
updated 3 months ago
2026
06-05-2026 Notarial deed · General meeting · Merger · Dissolution
- Filing: 2026-04-17 · MCCM
- Notarial deed: 2026-03-10 · MCCM
- Registration event: 2026-03-17 · MCCM
- General meeting: 2026-03-10 · MCCM
- Merger: date: 2026-03-10, type: fusion par absorption, condition: condition suspensive du vote de la fusion par l'autre société concernée par l'opération · MCCM
- Dissolution: date: 2026-03-10, type: sans liquidation, condition: condition suspensive du vote de la fusion par l'autre société concernée par l'opération · MCCM
- Accounting effect: 2026-01-01 · MCCM
- Share distribution: action: annulation, shares: cent (100) actions, exchange: aucune action de la société absorbante ne sera attribuée en échange · MCCM
- Approval: projet de fusion · MCCM
- Power of attorney: purpose: exécution des présentes et aux fins de représenter la société absorbée aux opérations de fusion et de veiller au déroulement des opérations de transfert, granted_to: l'administrateur de la présente société à responsabilité limitée « МССМ » · MCCM
- Filing: 2025-11-13 · MCCM
- Filing: 2025-11-24 · MCCM
- Approval: projet de fusion · MCCM
- Approval: dissolution sans liquidation et fusion · MCCM
- Approval: transfert de l'intégralité du patrimoine actif et passif · MCCM
- Approval: annulation des actions · MCCM
- Approval: condition suspensive · MCCM
- Approval: caractère non idoine de l'objet social · MCCM
- Approval: aucun avantage particulier · MCCM
- Approval: transfert du patrimoine à la date d'approbation par la société absorbante · MCCM
- Approval: dispense de reprise de la situation comptable · MCCM
- Approval: transfert des éléments incorporels · MCCM
- Approval: conditions générales du transfert · MCCM
- Approval: transfert des dettes · MCCM
- Approval: transfert des contrats · MCCM
- Approval: transfert des litiges · MCCM
- Approval: transfert des archives · MCCM
- Approval: pouvoirs de rectification · MCCM
- Approval: établissement des comptes annuels · MCCM
- Approval: approbation des comptes et décharge · MCCM
- Approval: constatation de la disparition · MCCM
- Publication: 2026-05-06
- Act object: Mod DOC 19.01
Summary:
Notarial deed · General meeting · Merger · Dissolution
2025
24-11-2025 Publication in the Belgian Official Gazette, Miscellaneous
Summary:
Fusion proposal
2020
23-12-2020 Incorporation of a new SRL
Summary:
oprichting
Analysis
Financial profile
5 of 5 axes measured57
/ 100
Mixed profile: strong on profitability, weaker on health.
All 5 axes are computed from data Checked has read.
Health
25
Profitability
100
Solvency
33
Growth
32
Stability
94
Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector and regionBE 0730.925.583 · Namur
BE 0627.829.035 · Namur
BE 0793.756.839 · Namur
BE 0643.986.265 · Namur
BE 0667.984.164 · Namur
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 2,267 of the 13,478 companies in this sector.
Company registry
Company registry (CBE)
Crossroads BankActivities
Adviesbureaus op het gebied van public relations en communicatie70210Activiteiten van adviesbureaus op het gebied van public relations en communicatie73300Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Administratieve en ondersteunende activiteiten ten behoeve van kantoren82100Diverse administratieve activiteiten ten behoeve van kantoren82110Beroepsopleiding85592Beroepsopleiding85592
Primary activity highlighted.
Names & trade names
| Legal nameFR | MCCM |
Registered office
Rue du Vieux fermier(WD) 34
5100 Namur, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.