MLB INVEST
ActiveMLB INVEST has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6.75M and a net result of €4.22M. Equity is growing by ~17.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 635 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▲+25
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €550k at 30 days acceptable
Liquidity ample (current ratio 66.9 against 3.23 in 2024; short-term debt: 1% and cash: 4% of total assets), and 1% 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 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
99%
Return on assets
61.9%
Age of the figures
12 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 · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 04-05-2026, 4 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 · 10 filingsDeviation from the deadline
2025
4 d late
2024
6 d late
2023
2 d late
2022
103 d late
2021
62 d late
2020
59 d early
2019
56 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, full schema
Source amounts without an identifiable currency are assumed to be EUR.
Turnover
€0
EBIT margin
Not included in this filing
Net result
€4.22M▲ 1,666%
2024 · €239k
2018: €99k
2019: €99k
2020: €146k
2021: €352k
2022: €180k
2023: €205k
2024: €239k
2018 → 2025
Working capital
€4.47M▲ 2,214%
2024 · €193k
2018: €-29k
2019: €111k
2020: €71k
2021: €77k
2022: €207k
2023: €79k
2024: €193k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.66M-€1.84M▲ 10.9%€2.04M▲ 11.1%€2.28M▲ 11.7%€6.75M▲ 196%
Operating result€3k-€-5k€23k€3k▼ 84.9%€12k▲ 235%
Net result€352k-€180k▼ 48.8%€205k▲ 13.5%€239k▲ 16.7%€4.22M▲ 1,666%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 235% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.82M
Fixed assets
€2.28M▼ 13.7%
Current assets
€4.54M▲ 1,521%
Equity and liabilities €6.82M
Equity
€6.75M▲ 196%
Debt
€68k▼ 89.3%
The debt ratio falls from 22.0% to 1.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€22k▲
2024 · €14k
Cash flow
€4.23M▲
2024 · €249k
Solvency
99.0%▲
2024 · 78.0%
Current ratio
66.90▲
2024 · 3.23
Quick ratio
66.90▲
2024 · 3.23
Debt / equity
0.01▼
2024 · 0.28
ROE
62.5%▲
2024 · 10.5%
ROA
61.9%▲
2024 · 8.2%
Interest coverage
0.93▲
2024 · 0.54
Debt
€68k▼
2024 · €642k
Debt ≤ 1 year
€68k▼
2024 · €87k
Debt > 1 year
€0▼
2024 · €538k
Income taxes
€6k▼
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€2.92M€6.82M▲
Fixed assets21/28€2.64M€2.28M▼
Tangible fixed assets22/27€187k€176k▼
Land and buildings22€167k€161k▼
Plant, machinery and equipment23€16k€12k▼
Furniture and vehicles24€4k€3k▼
Financial fixed assets28€2.46M€2.11M▼
Current assets29/58€280k€4.54M▲
Amounts receivable after more than one year29-€498k
Other amounts receivable291-€498k
Amounts receivable within one year40/41€4k€252k▲
Trade receivables40€0€3k▲
Other amounts receivable41€4k€249k▲
Current investments50/53-€3.50M
Cash at bank and in hand54/58€271k€270k▼
Deferred charges and accrued income490/1€5k€16k▲
Equity and liabilities
Total equity and liabilities10/49€2.92M€6.82M▲
Equity10/15€2.28M€6.75M▲
Contributions10/11€750k€1.00M▲
Reserves13€580k€580k=
Non-distributable reserves130/1€50k€50k=
Reserves not available under the articles1311€50k€50k=
Distributable reserves133€530k€530k=
Profit (loss) carried forward14€952k€5.17M▲
Amounts payable17/49€642k€68k▼
Amounts payable after more than one year17€538k€0▼
Financial debts170/4€538k€0▼
Amounts payable within one year42/48€87k€68k▼
Current portion of amounts payable after more than one year42€63k€0▼
Trade debts44€259€0▼
Suppliers440/4€259€0▼
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Other amounts payable47/48€23k€68k▲
Accrued charges and deferred income492/3€18k€651▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€11k▲
Other operating charges640/8€1k€891▼
Gross operating margin9900€15k€23k▲
Operating profit (loss)9901€3k€12k▲
Financial income75/76B€284k€4.24M▲
Recurring financial income75€284k€49k▼
Non-recurring financial income76B-€4.19M
Financial charges65/66B€25k€24k▼
Recurring financial charges65€25k€24k▼
Profit (loss) for the period before taxes9903€262k€4.22M▲
Income taxes67/77€23k€6k▼
Profit (loss) for the period9904€239k€4.22M▲
Profit (loss) for the period to be appropriated9905€239k€4.22M▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.18M€5.17M▲
Profit (loss) brought forward from the previous period14P€943k€952k▲
Transfer to equity691/2€230k€0▼
To other reserves6921€230k€0▼
The notes to these accounts (13 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
04-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 4 days late
2025
30-09
Financial
Highest result since 2018net €4.22M ▲1666%
Net result €4.22M, the highest in the series.
30-09
Financial
Liquidity times 21current ratio 66.90
Current ratio from 3.23 to 66.90; short-term debt falls from €87k to €68k.
30-09
Financial
Equity above €5MEq €6.75M ▲196%
8 profitable years in a row build equity to €6.75M.
06-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 6 days late
2024
02-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
30-09
Financial
Equity above €2MEq €2.04M ▲11.1%
6 profitable years in a row build equity to €2.04M.
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 103 days late
2022
30-09
Financial
Liquidity quadruplescurrent ratio 6.09
Current ratio from 1.43 to 6.09; short-term debt falls from €180k to €41k.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 62 days late
2021
02-03
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-09
Financial
Equity above €1MEq €1.31M ▲43.5%
3 profitable years in a row build equity to €1.31M.
05-03
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
30-09
Financial
Liquidity triplescurrent ratio 1.95
Current ratio from 0.77 to 1.95; short-term debt falls from €127k to €116k.
27-02
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
27-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
10-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Stavelot · 1 establishment unit since 2013
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.
Francheville 16/C4970 StavelotGround area
258 m²
Building footprint
208 m²
Parcel 63073E1000/00K000, Wallonia. Linked by address, not a title deed.
1 establishment unit
MLB INVEST
since 20132.219.727.907
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63073E1000/00K000 | Wallonia | 258 m² | 1 · 208 m² | - |
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.
Similar companies · same sector, comparable size
ALTRIO THUISVERPLEGING
BE 0478.769.828
Antwerpen · Eq €6.66M
L'ELIXIR
BE 0475.697.304
Frameries · Eq €6.95M
ConnectGroep Thuisverpleging
BE 0470.283.813
Temse · Eq €6.40M
Aide et Soins à Domicile en Province de Namur
BE 0410.333.160
Namur · Eq €9.09M
Thuiszorg Brussel - Soins Domicile Bruxelles
BE 0443.361.264
Brussel · Eq €4.41M
Of 5,984 companies in sector 86940 we hold annual accounts for 1,809. 62 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-05-2013
Fiscal year end30-09
Activities, NACEBEL
86906Human health activities
86940Nursing and midwifery
46190Agents in non-specialised wholesale trade
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.