MCKS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €3k and a net result of €26k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 8018 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 8018 sector peers (2025).
NBB · sector comparisonPosition among 8018 sector peers
Solvency
better than 10%
← weakest
strongest →
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 27-02-2026, 154 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
154 d early
2024
125 d early
2023
159 d early
2022
157 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k▼ 95.2%
2024 · €63k
2022: €21k
2023: €41k
2024: €63k
2022 → 2025
Net result
€26k▲ 18.7%
2024 · €22k
2022: €18k
2023: €19k
2024: €22k
2022 → 2025
Total assets
€101k▲ 43.1%
2024 · €71k
2022: €35k
2023: €55k
2024: €71k
2022 → 2025
Solvency
3.0%▼ 85.9pp
2024 · 88.8%
2022: 60.2%
2023: 73.6%
2024: 88.8%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€21k-€41k▲ 92.0%€63k▲ 54.9%€3k▼ 95.2%
Operating result€24k-€25k▲ 5.9%€29k▲ 14.7%€34k▲ 17.9%
Net result€18k-€19k▲ 7.3%€22k▲ 14.5%€26k▲ 18.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 18% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €101k
Equity
€3k▼ 95.2%
Debt
€98k▲ 1,146%
The debt ratio rises from 11.2% to 97.0%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
3.0%▼
2024 · 88.8%
ROE
880.7%▲
2024 · 35.4%
ROA
26.1%▼
2024 · 31.5%
Debt
€98k▲
2024 · €8k
Debt ≤ 1 year
€98k▲
2024 · €8k
Income taxes
€7k▲
2024 · €6k
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€71k€101k▲
Fixed assets21/28€353-
Tangible fixed assets22/27€353-
Furniture and vehicles24€353-
Current assets29/58€70k€101k▲
Amounts receivable within one year40/41€11k€12k▲
Trade receivables40€11k€12k▲
Other amounts receivable41€490€101▼
Cash at bank and in hand54/58€59k€89k▲
Equity and liabilities
Total equity and liabilities10/49€71k€101k▲
Equity10/15€63k€3k▼
Contributions10/11€3k€3k=
Reserves13€60k-
Distributable reserves133€60k-
Amounts payable17/49€8k€98k▲
Amounts payable within one year42/48€8k€98k▲
Trade debts44€509€307▼
Suppliers440/4€509€307▼
Taxes, remuneration and social security45€6k€24k▲
Taxes450/3€6k€24k▲
Other amounts payable47/48€920€74k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€385€353▼
Other operating charges640/8€539€734▲
Gross operating margin9900€30k€35k▲
Operating profit (loss)9901€29k€34k▲
Financial charges65/66B€135€169▲
Recurring financial charges65€135€169▲
Profit (loss) for the period before taxes9903€29k€34k▲
Income taxes67/77€6k€7k▲
Profit (loss) for the period9904€22k€26k▲
Profit (loss) for the period to be appropriated9905€22k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€26k▲
Transfer from equity791/2-€60k
Transfer to equity691/2€22k-
To other reserves6921€22k-
Profit to be distributed694/7-€86k
Return on contributions (dividend)694-€86k
The notes to these accounts (4 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
27-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €26k ▲18.7%
Operating result €34k, net result €26k, both a record.
28-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 8.92
Current ratio from 3.73 to 8.92; short-term debt falls from €15k to €8k.
23-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-02
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Lennik · 1 establishment unit since 2021
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.
Dorekenstraat 151750 LennikGround area
472 m²
Building footprint
138 m²
Volume, LiDAR
525 m³
Parcel 23075F0273/00V000, Flanders · tallest building 6.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
MCKS
since 20212.338.689.992
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23075F0273/00V000 | Flanders | 472 m² | 1 · 138 m² | 6.3 m · 1 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.
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SFAR-ROUE
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Of 807 companies in sector 64999 we hold annual accounts for 484. 83 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-11-2021
Fiscal year end31-12
Activities, NACEBEL
64999Other financial services
47120Other non-specialised retail sale
47910Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.