4 U Matibo
Active4 U Matibo has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €2.36M and a net result of €64k. Equity is growing by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 93% of 9713 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
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 = 2023
Profitability72▼-2
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €190k at 30 days acceptable
Liquidity ample (current ratio 22.34 against 13.51 in 2023; short-term debt: 2.2% and cash: 5.1% of total assets), and 5.2% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
94.8%
Return on assets
2.6%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
9 d early
2022
4 d early
2021
11 d early
2020
3 d early
2019
1 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€2.36M▲ 2.8%
2023 · €2.29M
2018: €1.63M
2019: €1.73M
2020: €1.83M
2021: €2.03M
2022: €2.19M
2023: €2.29M
2018 → 2024
Total assets
€2.49M▲ 1.3%
2023 · €2.46M
2018: €2.24M
2019: €2.24M
2020: €2.11M
2021: €2.27M
2022: €2.36M
2023: €2.46M
2018 → 2024
Net result
€64k▼ 38.1%
2023 · €103k
2018: €302k
2019: €142k
2020: €102k
2021: €197k
2022: €164k
2023: €103k
2018 → 2024
Working capital
€1.19M▲ 10.8%
2023 · €1.07M
2018: €820k
2019: €625k
2020: €693k
2021: €785k
2022: €949k
2023: €1.07M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€1.83M-€2.03M▲ 10.8%€2.19M▲ 8.1%€2.29M▲ 4.7%€2.36M▲ 2.8%
Operating result€130k-€225k▲ 72.4%€229k▲ 1.9%€142k▼ 37.9%€72k▼ 49.5%
Net result€102k-€197k▲ 93.9%€164k▼ 16.7%€103k▼ 37.3%€64k▼ 38.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 50% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.49M
Fixed assets
€1.24M▼ 4.2%
Current assets
€1.25M▲ 7.4%
Equity and liabilities €2.49M
Equity
€2.36M▲ 2.8%
Provisions
€73k▼ 4.8%
Debt
€57k▼ 33.5%
The debt ratio falls from 3.5% to 2.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€137k▼
2023 · €201k
Cash flow
€129k▼
2023 · €161k
Solvency
94.8%▲
2023 · 93.4%
Current ratio
22.34▲
2023 · 13.51
Quick ratio
22.34▲
2023 · 13.51
Debt / equity
0.02▼
2023 · 0.04
ROE
2.7%▼
2023 · 4.5%
ROA
2.6%▼
2023 · 4.2%
Interest coverage
76.01▲
2023 · 35.37
Debt
€57k▼
2023 · €86k
Debt ≤ 1 year
€56k▼
2023 · €86k
Income taxes
€37k▼
2023 · €53k
Staff costs
€582▼
2023 · €20k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€2.46M€2.49M▲
Fixed assets21/28€1.30M€1.24M▼
Tangible fixed assets22/27€1.30M€1.24M▼
Land and buildings22€1.20M€1.15M▼
Plant, machinery and equipment23€584€57▼
Furniture and vehicles24€101k€90k▼
Financial fixed assets28€19€19=
Current assets29/58€1.16M€1.25M▲
Amounts receivable within one year40/41€58k€20k▼
Trade receivables40€56k€20k▼
Other amounts receivable41€2k€711▼
Current investments50/53€1.01M€1.10M▲
Cash at bank and in hand54/58€91k€127k▲
Deferred charges and accrued income490/1€474€688▲
Equity and liabilities
Total equity and liabilities10/49€2.46M€2.49M▲
Equity10/15€2.29M€2.36M▲
Contributions10/11€296k€296k=
Capital10€296k€296k=
Issued capital100€296k€296k=
Reserves13€2.00M€2.06M▲
Non-distributable reserves130/1€30k€30k=
Legal reserve130€30k€30k=
Tax-exempt reserves132€231k€220k▼
Distributable reserves133€1.74M€1.81M▲
Provisions and deferred taxes16€77k€73k▼
Deferred taxes168€77k€73k▼
Amounts payable17/49€86k€57k▼
Amounts payable within one year42/48€86k€56k▼
Trade debts44€30k€5k▼
Suppliers440/4€30k€5k▼
Taxes, remuneration and social security45€37k€38k▲
Taxes450/3€36k€38k▲
Remuneration and social security454/9€1k€0▼
Other amounts payable47/48€19k€13k▼
Accrued charges and deferred income492/3€0€1k▲
Income statement
Code20232024
Remuneration, social security and pensions62€20k€582▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€58k€65k▲
Other operating charges640/8€10k€9k▼
Gross operating margin9900€231k€146k▼
Operating profit (loss)9901€142k€72k▼
Financial income75/76B€16k€27k▲
Recurring financial income75€16k€27k▲
Financial charges65/66B€6k€2k▼
Recurring financial charges65€6k€2k▼
Profit (loss) for the period before taxes9903€152k€97k▼
Transfer from deferred taxes780€4k€4k=
Income taxes67/77€53k€37k▼
Profit (loss) for the period9904€103k€64k▼
Transfer from tax-exempt reserves789€11k€11k=
Profit (loss) for the period to be appropriated9905€114k€75k▼
Appropriation of the result
Profit (loss) to be appropriated9906€114k€75k▼
Transfer to equity691/2€114k€75k▼
To other reserves6921€114k€75k▼
Social balance
Average headcount (FTE)90870.50.5=
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €64k ▼38.1%
Net result drops to €64k, the lowest in the series.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €2MEq €2.03M ▲10.8%
4 profitable years in a row build equity to €2.03M.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Liquidity doublescurrent ratio 8.38
Current ratio from 3.46 to 8.38; short-term debt falls from €254k to €94k.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
27-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 23 days late
2016
29-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Aalst · 1 establishment unit since 1998
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.
Dirk Martensstraat 249300 AalstGround area
356 m²
Building footprint
180 m²
Volume, LiDAR
1,872 m³
Parcel 41302C1047/00B010, Flanders · tallest building 15.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Conrad Elderson
since 19982.089.574.790
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41302C1047/00B010 | Flanders | 356 m² | 1 · 180 m² | 15.4 m · 4 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900GBKJBO0PGT2J12
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Of 11,754 companies in sector 68310 we hold annual accounts for 6,908. 2,559 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded09-12-1998
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
93053
62030Computer programming, consultancy and related activities
62200Computer consultancy and computer facilities management
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.