MDC ALGEMENE BOUWONDERNEMING
ActiveSummary
MDC ALGEMENE BOUWONDERNEMING has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.56M and a net result of €301k. Equity is growing by ~5.6% per year across the filed fiscal years. Its solvency ranks better than 69% of 2179 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+1
Solvency82▼-14
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity ample (current ratio 1.85 against 3.46 in 2024; short-term debt: 32.6% and cash: 2.3% of total assets), and 42.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
57.4%
Return on assets
11.1%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 18-12-2025, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
44 d early
2024
50 d early
2023
58 d early
2022
68 d early
2021
46 d early
2020
53 d early
2019
60 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.56M▲ 23.9%
2024 · €1.26M
2019: €958k
2020: €1.20M
2021: €1.14M
2022: €1.12M
2023: €1.27M
2024: €1.26M
2019 → 2025
Total assets
€2.72M▲ 53.9%
2024 · €1.76M
2019: €1.34M
2020: €1.28M
2021: €1.60M
2022: €2.12M
2023: €2.11M
2024: €1.76M
2019 → 2025
Net result
€301k▲ 65.3%
2024 · €182k
2019: €367k
2020: €241k
2021: €48k
2022: €119k
2023: €266k
2024: €182k
2019 → 2025
Working capital
€752k▲ 61.2%
2024 · €466k
2019: €749k
2020: €1.06M
2021: €714k
2022: €552k
2023: €949k
2024: €466k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.14M-€1.12M▼ 1.8%€1.27M▲ 13.4%€1.26M▼ 0.6%€1.56M▲ 23.9%
Operating result€67k-€167k▲ 149%€390k▲ 134%€253k▼ 35.3%€420k▲ 66.4%
Net result€48k-€119k▲ 147%€266k▲ 124%€182k▼ 31.6%€301k▲ 65.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 66% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.72M
Fixed assets
€1.08M ▼ 2.5%
Current assets
€1.64M ▲ 149%
Equity and liabilities €2.72M
Equity
€1.56M ▲ 23.9%
Provisions
€25k =
Debt
€1.13M ▲ 135%
Debt's share of the balance-sheet total rises from 27.3% to 41.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€468k▲
2024 · €284k
Cash flow
€349k▲
2024 · €214k
Current ratio
1.85▼
2024 · 3.46
Quick ratio
0.85▼
2024 · 3.46
Debt to equity
0.73▲
2024 · 0.38
ROE
19.3%▲
2024 · 14.5%
ROA
11.1%▲
2024 · 10.3%
Interest coverage
32.28▼
2024 · 72.50
Debt ≤ 1 year
€884k▲
2024 · €190k
Debt > 1 year
€240k▼
2024 · €286k
Income taxes
€136k▲
2024 · €78k
Staff costs
€142k▲
2024 · €134k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 60 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.76M€2.72M▲
Fixed assets21/28€1.11M€1.08M▼
Tangible fixed assets22/27€1.11M€1.08M▼
Land and buildings22€1.01M€995k▼
Plant, machinery and equipment23€7k€12k▲
Furniture and vehicles24€93k€71k▼
Other tangible fixed assets26€741€2k▲
Financial fixed assets28€167€135▼
Current assets29/58€656k€1.64M▲
Stocks and contracts in progress3€55€885k▲
Stocks30/36€55€845k▲
Contracts in progress37-€41k
Amounts receivable within one year40/41€410k€663k▲
Trade receivables40€204k€13k▼
Other amounts receivable41€206k€650k▲
Cash at bank and in hand54/58€237k€63k▼
Deferred charges and accrued income490/1€9k€24k▲
Equity and liabilities
Total equity and liabilities10/49€1.76M€2.72M▲
Equity10/15€1.26M€1.56M▲
Contributions10/11€12k€12k=
Reserves13€1.25M€1.55M▲
Distributable reserves133€1.25M€1.55M▲
Provisions and deferred taxes16€25k€25k=
Provisions for liabilities and charges160/5€25k€25k=
Pensions and similar obligations160€25k€25k=
Amounts payable17/49€482k€1.13M▲
Amounts payable after more than one year17€286k€240k▼
Financial debts170/4€286k€240k▼
Amounts payable within one year42/48€190k€884k▲
Current portion of amounts payable after more than one year42€46k€47k▲
Financial debts43-€700k
Credit institutions430/8-€700k
Trade debts44€114k€44k▼
Suppliers440/4€114k€44k▼
Taxes, remuneration and social security45€30k€94k▲
Taxes450/3€22k€88k▲
Remuneration and social security454/9€7k€6k▼
Accrued charges and deferred income492/3€6k€9k▲
Income statement
Code20242025
Non-recurring operating income76A-€18k
Remuneration, social security and pensions62€134k€142k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€48k▲
Other operating charges640/8€7k€3k▼
Non-recurring operating charges66A-€210
Gross operating margin9900€425k€614k▲
Operating profit (loss)9901€253k€420k▲
Financial income75/76B€11k€31k▲
Recurring financial income75€11k€31k▲
Financial charges65/66B€4k€15k▲
Recurring financial charges65€4k€15k▲
Profit (loss) for the period before taxes9903€260k€437k▲
Income taxes67/77€78k€136k▲
Profit (loss) for the period9904€182k€301k▲
Profit (loss) for the period to be appropriated9905€182k€301k▲
Appropriation of the result
Profit (loss) to be appropriated9906€182k€301k▲
Transfer from equity791/2€189k-
Transfer to equity691/2€182k€301k▲
To other reserves6921€182k€301k▲
Profit to be distributed694/7€189k-
Return on contributions (dividend)694€189k-
Social balance
Average headcount (FTE)90872.22.2=
The notes to these accounts (20 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
2025
18-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
12-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
04-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
30-06
Financial
Liquidity times 5current ratio 8.57
Current ratio from 1.83 to 8.57; short-term debt falls from €666k to €125k.
2022
24-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
16-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
30-06
Financial
Weakest financial yearnet €48k ▼80%
Net result drops to €48k, the lowest in the series; recovery starts the following year.
2020
09-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
30-06
Financial
Liquidity times 6current ratio 20.15
Current ratio from 3.13 to 20.15; short-term debt falls from €351k to €55k.
30-06
Financial
Equity above €1MEq €1.20M ▲25.1%
2 profitable years in a row build equity to €1.20M.
2019
02-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
27-11
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
29-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
05-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Sint-Niklaas · 1 establishment unit since 2000
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.
Kemzekestraat 119111 Sint-NiklaasGround area
3,295 m²
Building footprint
186 m²
Volume, LiDAR
992 m³
Parcel 46002A0171/00N000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MDC ALGEMENE BOUWONDERNEMING
since 20002.101.106.409
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46002A0171/00N000 | Flanders | 3,295 m² | 1 · 186 m² | 8.0 m · 2 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 228 EUR awarded · 228 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 228 EUR | 228 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 4,825 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-11-2000
Fiscal year end30-06
Activities, NACEBEL 2025
41001General construction of residential buildings
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryWebsite:info@decauwer.eu