ML INVEST
ActiveML INVEST has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.66M and a net result of €112k. Equity is growing by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 64% of 3184 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▼-9
Solvency94▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €200k at 30 days acceptable
Liquidity short (current ratio 0.63 against 1.11 in 2024; short-term debt: 27.8% and cash: 2.6% of total assets), and 30.7% 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 70
Relative position
BE, all sectors
reference
Sector 70
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
69.3%
Return on assets
2.9%
Age of the figures
9 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
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 08-06-2026, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 d early
2024
30 d early
2023
28 d early
2022
26 d early
2021
10 d late
2020
32 d early
2019
42 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
21-09-2026 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
€112k▼ 87.4%
2024 · €888k
2018: €67k
2019: €987k
2020: €86k
2021: €82k
2022: €534k
2023: €89k
2024: €888k
2018 → 2025
Working capital
€-394k
2024 · €124k
2018: €-1.46M
2019: €-541k
2020: €-260k
2021: €-425k
2022: €-595k
2023: €-683k
2024: €124k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.24M-€2.17M▼ 2.9%€2.26M▲ 4.1%€3.15M▲ 39.3%€2.66M▼ 15.5%
Operating result€115k-€119k▲ 3.7%€138k▲ 15.7%€153k▲ 11.1%€176k▲ 15.3%
Net result€82k-€534k▲ 549%€89k▼ 83.4%€888k▲ 899%€112k▼ 87.4%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 15% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.84M
Fixed assets
€3.17M=
Current assets
€675k▼ 45.0%
Equity and liabilities €3.84M
Equity
€2.66M▼ 15.5%
Debt
€1.18M▼ 5.2%
The debt ratio rises from 28.4% to 30.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€177k▲
2024 · €153k
Cash flow
€112k▼
2024 · €889k
Solvency
69.3%▼
2024 · 71.6%
Current ratio
0.63▼
2024 · 1.11
Quick ratio
0.63▼
2024 · 1.11
Debt / equity
0.44▲
2024 · 0.40
ROE
4.2%▼
2024 · 28.2%
ROA
2.9%▼
2024 · 20.2%
Interest coverage
5.19▲
2024 · 3.68
Debt
€1.18M▼
2024 · €1.25M
Debt ≤ 1 year
€1.07M▼
2024 · €1.10M
Debt > 1 year
€112k▼
2024 · €143k
Income taxes
€31k▲
2024 · €23k
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€4.40M€3.84M▼
Fixed assets21/28€3.17M€3.17M=
Tangible fixed assets22/27€3k€2k▼
Furniture and vehicles24€3k€2k▼
Financial fixed assets28€3.17M€3.17M=
Current assets29/58€1.23M€675k▼
Amounts receivable within one year40/41€368k€575k▲
Trade receivables40€18k€61k▲
Other amounts receivable41€350k€514k▲
Cash at bank and in hand54/58€58k€98k▲
Deferred charges and accrued income490/1€801k€1k▼
Equity and liabilities
Total equity and liabilities10/49€4.40M€3.84M▼
Equity10/15€3.15M€2.66M▼
Contributions10/11€100k€100k=
Reserves13€125k€125k=
Distributable reserves133€125k€125k=
Profit (loss) carried forward14€2.92M€2.44M▼
Amounts payable17/49€1.25M€1.18M▼
Amounts payable after more than one year17€143k€112k▼
Financial debts170/4€143k€112k▼
Amounts payable within one year42/48€1.10M€1.07M▼
Current portion of amounts payable after more than one year42€82k€30k▼
Trade debts44€146€170▲
Suppliers440/4€146€170▲
Taxes, remuneration and social security45€22k€26k▲
Taxes450/3€22k€26k▲
Other amounts payable47/48€1,000k€1.01M▲
Accrued charges and deferred income492/3-€109
Income statement
Code20242025
Non-recurring operating income76A€10k-
Remuneration, social security and pensions62€-220-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€345€345=
Other operating charges640/8€25€25▼
Gross operating margin9900€153k€177k▲
Operating profit (loss)9901€153k€176k▲
Financial income75/76B€800k€370▼
Recurring financial income75€800k€370▼
Financial charges65/66B€42k€34k▼
Recurring financial charges65€42k€34k▼
Profit (loss) for the period before taxes9903€911k€143k▼
Income taxes67/77€23k€31k▲
Profit (loss) for the period9904€888k€112k▼
Profit (loss) for the period to be appropriated9905€888k€112k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2.92M€3.04M▲
Profit (loss) brought forward from the previous period14P€2.04M€2.92M▲
Profit to be distributed694/7-€600k
Return on contributions (dividend)694-€600k
The notes to these accounts (7 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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Liquidity triplescurrent ratio 1.11
Current ratio from 0.42 to 1.11; short-term debt falls from €1.17M to €1.10M.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
10-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 10 days late
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Highest result since 2018net €987k ▲1379%
Net result €987k, the highest in the series.
31-12
Financial
Equity above €2MEq €2.23M ▲79.4%
2 profitable years in a row build equity to €2.23M.
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
03-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Tournai · 1 establishment unit since 2015
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 de la Résistance(K) 1257540 TournaiGround area
1.3 ha
Building footprint
108 m²
Volume, LiDAR
1,323 m³
2 parcels, Wallonia · tallest building 13.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
ML INVEST
since 20152.238.907.676
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57042A0102/00_000 | Wallonia | 1.2 ha | - | - |
| 57462A0047/00A003 | Wallonia | 1,030 m² | 1 · 108 m² | 13.8 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
MANUTTI INVEST
BE 0478.148.434
Deerlijk · Eq €2.66M
YIMA
BE 0871.523.818
Liège · Eq €2.66M
MIDIVA
BE 0535.756.338
Malmedy · Eq €2.66M
WIVAN
BE 0440.671.592
Tielt-Winge · Eq €2.66M
SCALA INTERNATIONAL NV
BE 0477.978.287
Wetteren · Eq €2.66M
Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 17,032 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-2014
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.