MLTC
ActiveSummary
MLTC has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €109k and a net result of €25k. Equity is growing by ~52.9% per year across the filed fiscal years. Its solvency ranks better than 23% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+3
Solvency51▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity short (current ratio 0.34 against 0.24 in 2024; short-term debt: 14.6% and cash: 4.2% of total assets), and 73.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
26.4%
Return on assets
6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 16546 sector peers (2025).
NBB · sector comparisonPosition among 16546 sector peers
Solvency
better than 23%
← weakest
strongest →
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 03-07-2026, 28 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
28 d early
2024
24 d early
2023
23 d late
2022
27 d early
2021
37 d early
2020
18 d early
2019
22 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€109k▲ 29.1%
2024 · €85k
2019: €7k
2020: €10k
2021: €8k
2022: €37k
2023: €69k
2024: €85k
2019 → 2025
Total assets
€415k▼ 0.2%
2024 · €416k
2019: €51k
2020: €460k
2021: €431k
2022: €418k
2023: €428k
2024: €416k
2019 → 2025
Net result
€25k▲ 56.5%
2024 · €16k
2019: €443
2020: €3k
2021: €16k
2022: €30k
2023: €32k
2024: €16k
2019 → 2025
Working capital
€-40k▲ 5.4%
2024 · €-42k
2019: €13k
2020: €-39k
2021: €-64k
2022: €-58k
2023: €-53k
2024: €-42k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€8k-€37k▲ 393%€69k▲ 84.8%€85k▲ 22.9%€109k▲ 29.1%
Operating result€28k-€50k▲ 76.7%€52k▲ 4.4%€30k▼ 42.1%€41k▲ 34.5%
Net result€16k-€30k▲ 82.2%€32k▲ 6.4%€16k▼ 50.1%€25k▲ 56.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 34% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €415k
Fixed assets
€395k ▼ 2.0%
Current assets
€21k ▲ 56.0%
Equity and liabilities €415k
Equity
€109k ▲ 29.1%
Debt
€306k ▼ 7.7%
Debt's share of the balance-sheet total falls from 79.6% to 73.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€49k▲
2024 · €40k
Cash flow
€33k▲
2024 · €26k
Current ratio
0.34▲
2024 · 0.24
Debt to equity
2.79▼
2024 · 3.91
ROE
22.6%▲
2024 · 18.6%
ROA
6.0%▲
2024 · 3.8%
Interest coverage
9.54▲
2024 · 6.19
Debt ≤ 1 year
€61k▲
2024 · €56k
Debt > 1 year
€231k▼
2024 · €261k
Income taxes
€11k▲
2024 · €8k
Staff costs
€85k▼
2024 · €111k
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€416k€415k▼
Fixed assets21/28€403k€395k▼
Tangible fixed assets22/27€23k€15k▼
Plant, machinery and equipment23€17k€11k▼
Furniture and vehicles24€5k€3k▼
Financial fixed assets28€380k€380k=
Current assets29/58€13k€21k▲
Amounts receivable within one year40/41€3k€3k=
Other amounts receivable41€3k€3k=
Cash at bank and in hand54/58€10k€18k▲
Equity and liabilities
Total equity and liabilities10/49€416k€415k▼
Equity10/15€85k€109k▲
Contributions10/11€6k€6k=
Reserves13€79k€103k▲
Distributable reserves133€79k€103k▲
Amounts payable17/49€331k€306k▼
Amounts payable after more than one year17€261k€231k▼
Financial debts170/4€261k€231k▼
Amounts payable within one year42/48€56k€61k▲
Current portion of amounts payable after more than one year42€29k€32k▲
Trade debts44€4k€4k▼
Suppliers440/4€4k€4k▼
Taxes, remuneration and social security45€20k€23k▲
Taxes450/3€8k€11k▲
Remuneration and social security454/9€13k€12k▼
Other amounts payable47/48€2k€2k▲
Accrued charges and deferred income492/3€14k€14k▼
Income statement
Code20242025
Remuneration, social security and pensions62€111k€85k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€8k▼
Other operating charges640/8€851€80▼
Gross operating margin9900€152k€133k▼
Operating profit (loss)9901€30k€41k▲
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€24k€35k▲
Income taxes67/77€8k€11k▲
Profit (loss) for the period9904€16k€25k▲
Profit (loss) for the period to be appropriated9905€16k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€25k▲
Transfer to equity691/2€16k€25k▲
To the legal reserve6920-€25k
To other reserves6921€16k-
The notes to these accounts (6 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €109k ▲29.1%
7 profitable years in a row build equity to €109k.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-12
Financial
Highest result since 2019net €32k ▲6.4%
Operating result €52k, net result €32k, both a record.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Schaarbeek · 1 establishment unit since 2018
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 Hamméestraat 171030 SchaarbeekGround area
542 m²
Building footprint
315 m²
Volume, LiDAR
3,403 m³
Parcel 21906D0088/00N003, Brussels · tallest building 18.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
MLTC
since 20182.281.718.132
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21906D0088/00N003 | Brussels | 542 m² | 1 · 315 m² | 18.9 m · 3 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.
Similar companies · same sector, comparable size
CABINET REMONT SABINE
BE 0705.992.625
Binche · Eq €109,446
LC Med
BE 0789.286.525
Ecaussinnes · Eq €109,581
DR VAN MIGEM VIRGINIE
BE 1004.490.527
Saint-Hubert · Eq €109,381
Dokter Pieter Steeno
BE 0551.840.027
Putte · Eq €109,381
DR NATHALIE THEUNISSEN
BE 0722.730.667
Kasterlee · Eq €109,379
Of 9,124 companies in sector 86210 we hold annual accounts for 6,337. 5,331 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
Founded02-10-2018
Fiscal year end31-12
Activities, NACEBEL 2025
86210General medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.