  We report the XMM-Newton detection of a moderately bright X-ray source
superimposed on the outer arms of the inactive spiral galaxy MCG-03-34-63
(z=0.0213). It is clearly offset from the nucleus (by about 19'') but well
within the D25 ellipse of the galaxy, just along its bar axis. The field has
also been observed with the HST enabling us to compute a lower limit of > 94 on
the X-ray to optical flux ratio which, together with the X-ray spectrum of the
source, argues against a background AGN. On the other hand, the detection of
excess X-ray absorption and the lack of a bright optical counterpart argue
against foreground contamination. Short-timescale variability is observed,
ruling out the hypothesis of a particularly powerful supernova. If it is
associated with the apparent host galaxy, the source is the most powerful ULX
detected so far with a peak luminosity of 1.35x10^41 erg/s in the 0.5-7 keV
band. If confirmed by future multi-wavelength observations, the inferred
bolometric luminosity (about 3x10^41 erg/s) requires a rather extreme beaming
factor (larger than 115) to accommodate accretion onto a stellar-mass black
hole of 20 solar masses and the source could represent instead one of the best
intermediate-mass black hole candidate so far. If beaming is excluded, the
Eddington limit implies a mass of >2300 solar masses for the accreting compact
object.
