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MDC CONCEPT

Active
Private limited company·Algemene bouw van residentiële gebouwen· 5 yrs active
Bergensesteenweg 709 ·1600 Sint-Pieters-Leeuw, Belgium
KBO/BCE: BE 0758.951.259
Watch Print / PDF
Age5 yrs
Real estate1 parcel · 5,043 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of MDC CONCEPT is 2.9% (moderate). The 2023 annual accounts show equity of €66k and a net result of €24k. Its solvency ranks better than 80% of 3129 sector peers (fiscal year 2023). 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 2 annual accounts.

Signals

2 signals · with evidence
Strong solvency vs sector
Solvency is in the sector's strongest quartile: better than 80% of 3129 peers (2023). A comfortable equity buffer.
View the sector comparison
Consistently profitable
Positive net result in the two most recent financial years (2022 and 2023).
View the result trend

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-wide
Annual accounts not filed
The financial year that closed on 30-09-2024 was due at the National Bank by 30-04-2025. Nothing is on record today, 470 days later. 2 financial years are missing in total. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.
Filed more than 90 days late
The financial year that closed on 30-09-2023 was due by 30-04-2024 and was filed on 07-05-2026, 737 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 30-09. 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 30-09-2023, that is 30-04-2024.
Deadline per financial year
Year closed Due by Filed Variance Reference
30-09-2025 30-04-2026 nothing on record not filed -
30-09-2024 30-04-2025 nothing on record not filed -
30-09-2023 30-04-2024 07-05-2026 737 d late 2026-00105302
30-09-2022 30-04-2023 12-09-2023 135 d late 2023-00444828

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 signals
More 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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
2.9% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +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€24k-45.6%
Working capital€53k+90.7%

Annual accounts & ratios

Source: NBB · 2023
Annual accounts filed on 07-05-2026 with the NBB · fiscal year 2023 · micro
€0€20k€40k€60kOperating result 2022: €61k€61kNet result 2022: €45k€45kOperating result 2023: €25k€25kNet result 2023: €24k€24k20222023
Operating resultNet result
Sector comparison
Fiscal year 2023 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 65.2% 37.6%
better than 80% of 3129 sector peers
Net result €24k €9k
better than 73% of 3122 sector peers
Equity €66k €25k
better than 79% of 3134 sector peers
Gross operating margin €33k €27k
better than 57% of 3116 sector peers
Total assets €101k €80k
better than 58% of 3130 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€33k
-53.1% 22-23
Net profit
€24k
-45.6% 22-23
Cash flow
€33k
-39.9% 22-23
Total assets
€101k
+22.8% 22-23
Equity
€66k
+58.5% 22-23
Working capital
€53k
+90.7% 22-23
Income taxes
€15k
- 22-23
Dividends
€5k
- 22-23
Debt
€35k
-13.7% 22-23
Debt ≤ 1y
€35k
+2.8% 22-23
Debt > 1y
€7k
- 22-23
Current ratio
2.50
+38.2% 22-23
Quick ratio
1.91
+5.7% 22-23
Solvency
65.2%
+29.1% 22-23
Debt / equity
0.53
-45.6% 22-23
ROE
36.9%
-65.7% 22-23
ROA
24.1%
-55.7% 22-23
Interest coverage
110.86
+142.7% 22-23
Figures by fiscal year
Fiscal year2023
Depositmicro
Revenue-
EBITDA€33k
Net profit€24k
Cash flow€33k
Staff costs-
Income taxes-
Dividends-
Total assets€101k
Equity€66k
Debt€35k
of which ≤ 1y€35k
of which > 1y-
Working capital€53k
Employees (FTE)-
Ratios (computed)
2023
Current ratio2.50
Quick ratio1.91
Working capital ratio52.1%
Solvency65.2%
Debt / equity0.53
Long-term debt ratio-
Interest coverage110.86
Gross margin-
Net margin-
ROA24.1%
ROE36.9%
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 Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€101k
Fixed assets 21/28€13k
Tangible fixed assets 22/27€13k
Current assets 29/58€88k
Stocks & contracts in progress 3€21k
Amounts receivable within one year 40/41€59k
Cash & bank 54/58€5k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€101k
Equity 10/15€66k
Contributions / capital 10/11€2k
Reserves 13€25k
Accumulated profits (losses) 14€39k
Amounts payable 17/49€35k
Amounts payable within one year 42/48€35k
Income statement
Gross operating margin 9900€33k
Operating result 9901€25k
Financial charges 65€297
Result before taxes 9903€24k
Net result for the period 9904€24k
Result to be appropriated 9905€24k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2023 · computed
93 / 100 Excellent
050100
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.

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 directors
Former directors (2)
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary Algemene bouw van residentiële gebouwen(41001)
Legal form Private limited company(610)
Incorporation01-12-2020
StatusActive
Postal code1600

Locations & real estate

Registered office

from the Crossroads Bank
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.

Bergensesteenweg 7091600 Sint-Pieters-Leeuw
Parcels1
Ground area5,043 m²
Buildings1
Building footprint912 m²
Volume (LiDAR)4,755 m³
Tallest building7.2 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels 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.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23583F0543/00D002 Flanders 5,043 m² 1 · 911 m² 7.2 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

4 acts
Address history · 1
21-02-2023
v3.2
All acts · 4 updated 8 months ago
2025
11-12-2025 2 resigning Director changes
  • Diego Pereira Carvalho Cunha, Bestuurder
  • Celso Carvalho Cunha Junior, Bestuurder
Summary: v3.2
2023
24-02-2023 Articles of association amended Statutes amendment
Summary: v3.2
21-02-2023 Registered office moved from Saint-Gilles to Sint-Pieters-Leeuw Registered-office change
  • Avenue Fonsny 115, 1060 Saint-Gilles → Bergensesteenweg 709, 1600 Sint-Pieters-Leeuw
Summary: v3.2
2020
03-12-2020 Incorporation of a new SRL Incorporation
Summary: oprichting

Analysis

Snowflake analysis

financial profile on 5 axes
Health93Profitability100Solvency100Growth52Stability94
88 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 93
Profitability 100
Solvency 100
Growth 52
Stability 94

Ask AI about this company

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AI due-diligence brief

Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 5,317 of the 29,570 companies in this sector. 4,572 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Algemene bouw van residentiële gebouwen41001Algemene bouw van residentiële gebouwen41201Overige detailhandel in voedingsmiddelen, neg47279Overige detailhandel in voedingsmiddelen in gespecialiseerde winkels, n.e.g.47299Detailhandel in elektrische huishoudapparaten in gespecialiseerde winkels47540Detailhandel in elektrische huishoudapparaten47540
Primary activity highlighted.
Names & trade names
Legal nameFR MDC CONCEPT
Registered office
Bergensesteenweg 709 bus 13
1600 Sint-Pieters-Leeuw, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.