MDL Halet
ActiveMDL Halet has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €555k and a net result of €75k. Equity is growing by ~12.3% per year across the filed fiscal years. Its solvency ranks better than 84% of 90 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
93
/ 100
Excellent▲ +15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▲+22
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 13.03 against 11.16 in 2024), and 8.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
6 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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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
91.8%
Return on assets
12.4%
Age of the figures
8 mo
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
raises risk · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
28 d late
2024
on the day
2023
9 d early
2022
on the day
← 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
04-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€555k▲ 15.6%
2024 · €480k
2023: €437k
2024: €480k
2023 → 2025
Total assets
€605k▲ 13.9%
2024 · €531k
2023: €470k
2024: €531k
2023 → 2025
Net result
€75k▲ 72.0%
2024 · €44k
2023: €120k
2024: €44k
2023 → 2025
Working capital
€542k▲ 16.0%
2024 · €467k
2023: €426k
2024: €467k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€437k-€480k▲ 10.0%€555k▲ 15.6%
Operating result€142k-€46k▼ 67.9%€81k▲ 78.7%
Net result€120k-€44k▼ 63.6%€75k▲ 72.0%
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 79% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €605k
Fixed assets
€18k▲ 1.8%
Current assets
€587k▲ 14.3%
Equity and liabilities €605k
Equity
€555k▲ 15.6%
Debt
€50k▼ 1.9%
The debt ratio falls from 9.5% to 8.2%: equity grows while debt is paid down.
Key figures and ratios
Solvency
91.8%▲
2024 · 90.5%
Current ratio
13.03▲
2024 · 11.16
Quick ratio
13.03▲
2024 · 11.16
Debt / equity
0.09▼
2024 · 0.11
ROE
13.5%▲
2024 · 9.1%
ROA
12.4%▲
2024 · 8.2%
Debt
€50k▼
2024 · €51k
Debt ≤ 1 year
€45k▼
2024 · €46k
Income taxes
€15k▲
2024 · €11k
Staff costs
€28k=
2024 · €28k
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
Balance sheet
Code2025
Total assets
20/58€605k
Fixed assets
21/28€18k
Financial fixed assets
28€18k
Current assets
29/58€587k
Amounts receivable within one year
40/41€180k
Cash & bank
54/58€187k
Total equity & liabilities
10/49€605k
Equity
10/15€555k
Contributions / capital
10/11€18k
Reserves
13€537k
Amounts payable
17/49€50k
Amounts payable within one year
42/48€45k
Income statement
Code2025
Gross operating margin
9900€109k
Operating result
9901€81k
Financial income
75€13k
Financial charges
65€4k
Result before taxes
9903€90k
Income taxes
67/77€15k
Net result for the period
9904€75k
Result to be appropriated
9905€75k
This is the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan.
See plans →
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-12
Financial
Equity above €500kEq €555k ▲15.6%
3 profitable years in a row build equity to €555k.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €44k ▼63.6%
Net result drops to €44k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 16,632 companies in sector 86220 we hold annual accounts for 7,875. 6,300 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-04-2011
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 26-07-2026. Scores and ratios are computed by Checked and are not a credit decision.