MCOGEST
ActiveMCOGEST has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.60M and a net result of €100k. Equity is growing by ~10.6% per year across the filed fiscal years. Its solvency ranks better than 92% of 529 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-7
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140k at 30 days acceptable
Liquidity ample (current ratio 5.98 against 6.66 in 2024; short-term debt: 15.5% and cash: 64.4% of total assets), and 15.5% 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 87
Relative position
BE, all sectors
reference
Sector 87
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
84.5%
Return on assets
5.3%
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
36 d early
2023
41 d early
2022
35 d early
2021
40 d early
2020
33 d early
2019
38 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€100k▼ 45.4%
2024 · €184k
2018: €105k
2019: €99k
2020: €144k
2021: €57k
2022: €70k
2023: €161k
2024: €184k
2018 → 2025
Working capital
€1.47M▲ 9.1%
2024 · €1.34M
2018: €505k
2019: €645k
2020: €838k
2021: €934k
2022: €1.02M
2023: €1.14M
2024: €1.34M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.09M-€1.16M▲ 6.5%€1.32M▲ 13.9%€1.50M▲ 14.0%€1.60M▲ 6.7%
Operating result€81k-€98k▲ 20.4%€218k▲ 124%€248k▲ 13.5%€131k▼ 47.1%
Net result€57k-€70k▲ 23.8%€161k▲ 129%€184k▲ 14.2%€100k▼ 45.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 47% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.89M
Fixed assets
€134k▼ 14.3%
Current assets
€1.76M▲ 11.4%
Equity and liabilities €1.89M
Equity
€1.60M▲ 6.7%
Debt
€294k▲ 24.0%
The debt ratio rises from 13.7% to 15.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€164k▼
2024 · €279k
Cash flow
€133k▼
2024 · €215k
Solvency
84.5%▼
2024 · 86.3%
Current ratio
5.98▼
2024 · 6.66
Quick ratio
5.98▼
2024 · 6.66
Debt / equity
0.18▲
2024 · 0.16
ROE
6.3%▼
2024 · 12.2%
ROA
5.3%▼
2024 · 10.6%
Interest coverage
64.78▼
2024 · 89.48
Debt
€294k▲
2024 · €237k
Debt ≤ 1 year
€294k▲
2024 · €237k
Income taxes
€38k▼
2024 · €69k
Staff costs
€927k▲
2024 · €916k
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€1.74M€1.89M▲
Fixed assets21/28€156k€134k▼
Tangible fixed assets22/27€153k€131k▼
Land and buildings22€70k€63k▼
Furniture and vehicles24€83k€67k▼
Financial fixed assets28€3k€3k=
Current assets29/58€1.58M€1.76M▲
Amounts receivable within one year40/41€7k€39k▲
Trade receivables40€7k€9k▲
Other amounts receivable41-€30k
Current investments50/53-€500k
Cash at bank and in hand54/58€1.56M€1.22M▼
Deferred charges and accrued income490/1€13k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.74M€1.89M▲
Equity10/15€1.50M€1.60M▲
Contributions10/11€25k€25k=
Reserves13€502k€572k▲
Distributable reserves133€502k€572k▲
Profit (loss) carried forward14€972k€1.00M▲
Amounts payable17/49€237k€294k▲
Amounts payable within one year42/48€237k€294k▲
Financial debts43€19k€19k▲
Credit institutions430/8€19k€19k▲
Trade debts44€51k€52k▲
Suppliers440/4€51k€52k▲
Advances received on contracts in progress46€20k€72k▲
Taxes, remuneration and social security45€140k€129k▼
Taxes450/3€7k-
Remuneration and social security454/9€134k€129k▼
Other amounts payable47/48€8k€22k▲
Income statement
Code20242025
Non-recurring operating income76A€582-
Remuneration, social security and pensions62€916k€927k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€32k▲
Other operating charges640/8€4k€6k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€1.20M€1.10M▼
Operating profit (loss)9901€248k€131k▼
Financial income75/76B€7k€10k▲
Recurring financial income75€7k€10k▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€252k€139k▼
Income taxes67/77€69k€38k▼
Profit (loss) for the period9904€184k€100k▼
Profit (loss) for the period to be appropriated9905€184k€100k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.06M€1.07M▲
Profit (loss) brought forward from the previous period14P€875k€972k▲
Transfer to equity691/2€87k€70k▼
To other reserves6921€87k€70k▼
Social balance
Average headcount (FTE)908713.113.2▲
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
15-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €184k ▲14.2%
Operating result €248k, net result €184k, both a record.
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Weakest financial yearnet €57k ▼60.8%
Net result drops to €57k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €1MEq €1.03M ▲16.3%
3 profitable years in a row build equity to €1.03M.
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 1991
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 Charles de Loupoigne 181348 Ottignies-Louvain-la-NeuveGround area
1,322 m²
Building footprint
409 m²
Volume, LiDAR
4,859 m³
Parcel 25385B0004/02H000, Wallonia · tallest building 15.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Résidence Lauzelle
since 19912.228.861.545
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25385B0004/02H000 | Wallonia | 1,322 m² | 1 · 409 m² | 15.3 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteOttignies-Louvain-la-Neuve2.228.861.545
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Of 601 companies in sector 87301 we hold annual accounts for 493. 390 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-07-1989
Fiscal year end31-12
Activities, NACEBEL
85315
87301Residential care activities
Sources
Crossroads Bank for EnterprisesNational Bank · 36 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.
Contact details
3 entriesE-mail:residencelauzelle@skynet.be
Phone:010 45 11 42
Fax:010 48 62 15