MFA CONSULT

Active

Private limited companyfounded 20214 yrs activeVan Beverlaan 24, 1180 Ukkel, BelgiumKBO/BCE: BE 0777.378.487

Summary

MFA CONSULT has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €68k and a net result of €-2k. Equity is growing by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 17% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

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Checked score

Score 2025

48 / 100

Fair

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability31▼-34

Solvency36▲+1

Growth52=

Track record94

Bankruptcy probability, 12 months

0.8% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €3k at 30 days acceptable

Liquidity tight (current ratio 1.36 against 1.59 in 2024; short-term debt: 9.9% and cash: 0.2% of total assets), and 89.5% of the assets are financed with debt.

How do we compute the score and the probability?

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

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 70

Relative position

BE, all sectors

reference

Sector 70

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

10.5%

Return on assets

-0.3%

Age of the figures

9 mo

Persistent losses

Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2025

Net result per financial year

22232425

2022 to 2025 · latest year €-2k

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 31694 sector peers (2025).

NBB · sector comparison

Position among 31694 sector peers

Solvency

better than 17%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-08-2026, 10 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 4 filings

Deviation from the deadline

2025

10 d late

2024

41 d late

2023

30 d early

2022

51 d late

← before the deadline after the deadline →

Checked, nothing found (2)

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 months

Position in the running window

24-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€68k▼ 3.1%

2024 · €70k

2022: €51k 2023: €92k 2024: €70k

2022 → 2025

Total assets

€644k▼ 7.1%

2024 · €693k

2022: €101k 2023: €127k 2024: €693k

2022 → 2025

Net result

€-2k▲ 90.4%

2024 · €-23k

2022: €48k 2023: €41k 2024: €-23k

2022 → 2025

Working capital

€23k▼ 57.4%

2024 · €53k

2022: €53k 2023: €92k 2024: €53k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€51k-€92k▲ 79.8%€70k▼ 24.4%€68k▼ 3.1%

Operating result€65k-€55k▼ 14.2%€-23k€18k

Net result€48k-€41k▼ 15.2%€-23k€-2k▲ 90.4%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result returns to profit in 2025: €18k after a loss of €23k in 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €644k

86.6%

13.4%

Fixed assets €557k ▲ 1.7%

Current assets €86k ▼ 40.2%

Equity and liabilities €644k

11%

89.5%

Equity €68k ▼ 3.1%

Debt €576k ▼ 7.5%

Debt's share of the balance-sheet total falls from 89.9% to 89.5%. Equity and debt are lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€36k▼

2024 · €57k

Cash flow

€16k▼

2024 · €58k

Current ratio

1.36▼

2024 · 1.59

Debt to equity

8.49▼

2024 · 8.90

ROE

-3.2%▲

2024 · -32.2%

ROA

-0.3%▲

2024 · -3.3%

Interest coverage

1.54▼

2024 · 25.28

Debt ≤ 1 year

€64k▼

2024 · €91k

Debt > 1 year

€512k▼

2024 · €531k

Income taxes

€61▼

2024 · €246

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 · 44 lines

Balance sheet Code20242025

Assets

Total assets20/58€693k€644k▼

Fixed assets21/28€548k€557k▲

Tangible fixed assets22/27€548k€557k▲

Land and buildings22€548k€557k▲

Other tangible fixed assets26€563€278▼

Current assets29/58€144k€86k▼

Amounts receivable after more than one year29€40k€41k▲

Other amounts receivable291€40k€41k▲

Amounts receivable within one year40/41€69k€43k▼

Trade receivables40€27k€1k▼

Other amounts receivable41€42k€42k▲

Cash at bank and in hand54/58€35k€1k▼

Deferred charges and accrued income490/1€1k€963▼

Equity and liabilities

Total equity and liabilities10/49€693k€644k▼

Equity10/15€70k€68k▼

Contributions10/11€3k€3k=

Profit (loss) carried forward14€67k€65k▼

Amounts payable17/49€623k€576k▼

Amounts payable after more than one year17€531k€512k▼

Financial debts170/4€531k€512k▼

Amounts payable within one year42/48€91k€64k▼

Current portion of amounts payable after more than one year42€19k€19k▲

Financial debts43€20€2k▲

Credit institutions430/8€20€2k▲

Trade debts44€58k€32k▼

Suppliers440/4€58k€32k▼

Taxes, remuneration and social security45€14k€10k▼

Taxes450/3€14k€10k▼

Accrued charges and deferred income492/3€68€0▼

Income statement Code20242025

Non-recurring operating income76A-€384

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€80k€18k▼

Other operating charges640/8€593€6k▲

Gross operating margin9900€58k€42k▼

Operating profit (loss)9901€-23k€18k▲

Financial income75/76B€3k€3k▲

Recurring financial income75€3k€3k▲

Financial charges65/66B€2k€23k▲

Recurring financial charges65€2k€23k▲

Profit (loss) for the period before taxes9903€-22k€-2k▲

Income taxes67/77€246€61▼

Profit (loss) for the period9904€-23k€-2k▲

Profit (loss) for the period to be appropriated9905€-23k€-2k▲

Appropriation of the result

Profit (loss) to be appropriated9906€67k€65k▼

Profit (loss) brought forward from the previous period14P€89k€67k▼

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 6Financial 1Gazette 1Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

24-09

State Gazette act Appointments: Hortense Pinte, Léopoldine Pinte and 3 others

Power of attorney10 facts ▸

General meeting, 01-09-2026
Director appointment, Hortense Pinte (director)
Director appointment, Léopoldine Pinte (director)
Director appointment, Eugénie Pinte (director)
Director appointment, Madeleine Fautré (director)
Director appointment, Guillaume Pinte (director)
Director appointment, Guillaume Pinte (administrateur délégué à la gestion courante)
Power of attorney, Olivier BOTTEQUIN
Power of attorney, Théo Riquet
Power of attorney

10-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 10 days late

2025

10-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 41 days late

2024

31-12

Financial Weakest financial yearnet €-23k ▼155%

Net result drops to €-23k, the lowest in the series; recovery starts the following year.

01-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

20-09

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 51 days late

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

under verification, no change since 2026

This board is reconstructed from a single act (26119508). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.

Eugénie Pinte

Director · since 01-09-2026

Current

Guillaume Pinte

Administrateur délégué à la gestion courante · since 01-09-2026

Current

Hortense Pinte

Director · since 01-09-2026

Current

Léopoldine Pinte

Director · since 01-09-2026

Current

Madeleine Fautré

Director · since 01-09-2026

Current

01-09-2026 Eugénie Pinte: Appointed as Director

01-09-2026 Guillaume Pinte: Appointed as Administrateur délégué à la gestion courante

01-09-2026 Guillaume Pinte: Appointed as Director

01-09-2026 Hortense Pinte: Appointed as Director

01-09-2026 Léopoldine Pinte: Appointed as Director

Full history in the Timeline (6 changes) →

Location & real-estate footprint

Registered office, Ukkel · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Van Beverlaan 241180 Ukkel

Ground area

3,805 m²

Building footprint

577 m²

Volume, LiDAR

8,117 m³

Parcel 21614H0009/00G010, Brussels · tallest building 18.3 m, ±5 floors. Linked by address, not a title deed.

1 establishment unit

MFA CONSULT

Van Beverlaan 24, 1180 UkkelHoldings

since 20212.326.938.344

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21614H0009/00G010	Brussels	3,805 m²	1 · 577 m²	18.3 m · 5 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.

Articles of association

Who signs

A managing director alone

“L'assemblée appelle aux fonctions d'administrateur: Madame Hortense Pinte; •Madame Léopoldine Pinte; -Madame Eugénie Pinte •Madame Madeleine Fautré. Les administrateurs sont nommés pour une durée indéterminée. Leur mandat est exercé à titre gratuit. Les administrateurs nommés peuvent agir…”

Full text

L'assemblée appelle aux fonctions d'administrateur: Madame Hortense Pinte; •Madame Léopoldine Pinte; -Madame Eugénie Pinte •Madame Madeleine Fautré. Les administrateurs sont nommés pour une durée indéterminée. Leur mandat est exercé à titre gratuit. Les administrateurs nommés peuvent agir conjointement à deux, au nom et pour le compte de la société. Leur mandat ne leur confère aucun pouvoir individuel.

according to the deed of 24-09-2026

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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 39,537 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

Founded16-11-2021

Fiscal year end31-12

Activities, NACEBEL 2025

70200Business and other management consultancy

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.