Age5 yrs
Real estate1 parcel · 1,517 m²
Summary
Conclusion
the dossier summarised in one paragraphMVCK is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show negative equity (€-9k) and a net result of €-22k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 3139 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 4 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneThis is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
Signals
1 signal · with evidenceWeak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 3139 sector peers (2024).
View the sector comparison Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 11 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 05-06-2025, 56 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 05-06-2025 | 56 d early | 2025-00123031 |
| 31-12-2023 | 31-07-2024 | 05-06-2024 | 56 d early | 2024-00111550 |
| 31-12-2022 | 31-07-2023 | 07-06-2023 | 54 d early | 2023-00111620 |
| 31-12-2021 | 31-07-2022 | 03-08-2022 | 3 d late | 2022-20266262 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
Equity€-9k
Net result€-22k-1717.4%
Total assets€90k+167.5%
Solvency-9.7%-48.0pp
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 05-06-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 64, Financial services · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -9.7% | 52.5% | |
| Net result | €-22k | €32k | |
| Equity | €-9k | €75k | |
| Gross operating margin | €-14k | €52k | |
| Total assets | €90k | €192k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P5
Stable position over 2021-2024
· n=928-3139
P5
Weakening position over 2021-2024
· n=930-3135
P5
Stable position over 2021-2024
· n=930-3140
P5
Weakening position over 2021-2024
· n=923-3132
Describes the position versus peers, not a forecast.
€-22k
-1717.4%
21-24
€90k
+167.5%
21-24
€-9k
-
21-24
€1k
-61.4%
21-24
€99k
+375.4%
21-24
€64k
+206.3%
21-24
€35k
-
21-24
-9.7%
-
21-24
247.1%
-
21-24
-24.0%
-579.3%
21-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €-22k |
| Cash flow | n/a |
| Staff costs | - |
| Income taxes | €1k |
| Dividends | - |
| Total assets | €90k |
| Equity | €-9k |
| Debt | €99k |
| of which ≤ 1y | €64k |
| of which > 1y | €35k |
| Working capital | n/a |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | -9.7% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | -24.0% |
| ROE | 247.1% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €90k |
| Fixed assets | 21/28 | €63k |
| Tangible fixed assets | 22/27 | €63k |
| Current assets | 29/58 | €28k |
| Amounts receivable within one year | 40/41 | €11k |
| Cash & bank | 54/58 | €14k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €90k |
| Equity | 10/15 | €-9k |
| Contributions / capital | 10/11 | €4k |
| Accumulated profits (losses) | 14 | €-13k |
| Amounts payable | 17/49 | €99k |
| Amounts payable after one year | 17 | €35k |
| Amounts payable within one year | 42/48 | €64k |
| Trade debts payable within one year | 44 | €11k |
| Income statement | ||
| Gross operating margin | 9900 | €-14k |
| Operating result | 9901 | €-20k |
| Financial charges | 65 | €549 |
| Result before taxes | 9903 | €-20k |
| Income taxes | 67/77 | €1k |
| Net result for the period | 9904 | €-22k |
| Result to be appropriated | 9905 | €-22k |
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computedModel not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.
Structure & network
Locations & real estate
Establishment units
1 locationMVCK
since 20212.312.107.242
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,517 m²
Buildings1
Building footprint168 m²
Volume (LiDAR)785 m³
Tallest building6.9 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11682H0338/00D000 | Flanders | 1,517 m² | 1 · 168 m² | 6.9 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
3 acts Capital history · 1
24-12-2024
v3.2
Address history · 1
29-01-2026
v3.2
All acts · 3
updated 6 months ago
2026
29-01-2026 Registered office moved within Wuustwezel
- Berkendreef 3, 2990 Wuustwezel → Noordheuvel 33, 2990 Wuustwezel
Summary:
v3.2
2024
24-12-2024 Transaction in capital or shares
Summary:
v3.2
2021
06-01-2021 Incorporation of a new BV
Summary:
oprichting
Analysis
Snowflake analysis
financial profile on 5 axes65
/ 100
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
Health
-
Profitability
100
Solvency
33
Growth
32
Stability
94
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Company registry (CBE)
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Primary activity highlighted.
Names & trade names
| Legal nameNL | MVCK |
Registered office
Noordheuvel 33
2990 Wuustwezel, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.