BRUNO MARECHAL
ActiveBRUNO MARECHAL has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €228k and a net result of €12k. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 63% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability44▲+43
Solvency94▲+13
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 56.15 against 35.04 in 2024; short-term debt: 1.6% and cash: 10.9% of total assets), and 31% 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 70
Relative position
BE, all sectors
reference
Sector 70
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 2025Solvency, return and age of the figures
Solvency
69%
Return on assets
3.6%
Age of the figures
9 mo
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
2 d early
2023
13 d early
2022
25 d early
2021
46 d early
2020
2 d early
2019
7 d late
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€228k▲ 5.5%
2024 · €216k
2018: €125k
2019: €224k
2020: €274k
2021: €307k
2022: €243k
2023: €272k
2024: €216k
2018 → 2025
Total assets
€330k▼ 14.9%
2024 · €388k
2018: €253k
2019: €348k
2020: €393k
2021: €340k
2022: €453k
2023: €469k
2024: €388k
2018 → 2025
Net result
€12k
2024 · €-56k
2018: €55k
2019: €90k
2020: €50k
2021: €33k
2022: €-64k
2023: €29k
2024: €-56k
2018 → 2025
Working capital
€297k▲ 12.5%
2024 · €264k
2018: €-7k
2019: €95k
2020: €145k
2021: €172k
2022: €111k
2023: €158k
2024: €264k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€307k-€243k▼ 20.8%€272k▲ 11.8%€216k▼ 20.6%€228k▲ 5.5%
Operating result€50k-€-60k€40k€-45k€18k
Net result€33k-€-64k€29k€-56k€12k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €18k after a loss of €45k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €330k
Fixed assets
€27k▼ 76.3%
Current assets
€302k▲ 11.2%
Equity and liabilities €330k
Equity
€228k▲ 5.5%
Debt
€102k▼ 40.5%
The debt ratio falls from 44.3% to 31.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€23k▲
2024 · €-36k
Cash flow
€17k▲
2024 · €-46k
Solvency
69.0%▲
2024 · 55.7%
Current ratio
56.15▲
2024 · 35.04
Quick ratio
56.15▲
2024 · 35.04
Debt / equity
0.45▼
2024 · 0.80
ROE
5.2%▲
2024 · -25.9%
ROA
3.6%▲
2024 · -14.4%
Interest coverage
2.51▲
2024 · -2.50
Debt
€102k▼
2024 · €172k
Debt ≤ 1 year
€5k▼
2024 · €8k
Debt > 1 year
€97k▼
2024 · €163k
Income taxes
€2k▲
2024 · €327
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€388k€330k▼
Fixed assets21/28€116k€27k▼
Tangible fixed assets22/27€96k€8k▼
Land and buildings22€90k€2k▼
Plant, machinery and equipment23€907€383▼
Furniture and vehicles24€5k€6k▲
Financial fixed assets28€19k€19k=
Current assets29/58€272k€302k▲
Amounts receivable after more than one year29€198k€262k▲
Other amounts receivable291€198k€262k▲
Amounts receivable within one year40/41€58k€2k▼
Trade receivables40€51k€2k▼
Other amounts receivable41€7k€307▼
Cash at bank and in hand54/58€13k€36k▲
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€388k€330k▼
Equity10/15€216k€228k▲
Contributions10/11€19k€19k=
Reserves13€207k€209k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€19k€19k=
Distributable reserves133€186k€188k▲
Profit (loss) carried forward14€-10k-
Amounts payable17/49€172k€102k▼
Amounts payable after more than one year17€163k€97k▼
Financial debts170/4€163k€97k▼
Amounts payable within one year42/48€8k€5k▼
Trade debts44€3k€800▼
Suppliers440/4€3k€800▼
Taxes, remuneration and social security45€4k€5k▲
Taxes450/3€4k€5k▲
Other amounts payable47/48€490€83▼
Accrued charges and deferred income492/3€750-
Income statement
Code20242025
Non-recurring operating income76A-€45k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€5k▼
Other operating charges640/8€1k€526▼
Gross operating margin9900€-34k€24k▲
Operating profit (loss)9901€-45k€18k▲
Financial income75/76B€4k€5k▲
Recurring financial income75€4k€5k▲
Financial charges65/66B€14k€9k▼
Recurring financial charges65€14k€9k▼
Profit (loss) for the period before taxes9903€-55k€13k▲
Income taxes67/77€327€2k▲
Profit (loss) for the period9904€-56k€12k▲
Transfer from tax-exempt reserves789€46k-
Profit (loss) for the period to be appropriated9905€-10k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-10k€2k▲
Profit (loss) brought forward from the previous period14P-€-10k
Transfer from equity791/2-€10k
Transfer to equity691/2-€12k
To other reserves6921-€12k
The notes to these accounts (9 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 19current ratio 35.04
Current ratio from 1.85 to 35.04; short-term debt falls from €186k to €8k.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-64k ▼294%
Net result drops to €-64k, the lowest in the series; recovery starts the following year.
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 7.17
Current ratio from 2.48 to 7.17; short-term debt falls from €98k to €28k.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
07-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 7 days late
2019
31-12
Financial
Highest result since 2018net €90k ▲62.7%
Operating result €146k, net result €90k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.11
Current ratio from 0.93 to 2.11; short-term debt falls from €94k to €86k.
31-12
Financial
Equity above €200kEq €224k ▲79.5%
2 profitable years in a row build equity to €224k.
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
2017
29-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
19-02-2026
Resigned as Director
Location & real-estate footprint
Registered office, Pepingen · 1 establishment unit since 2003
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.
Lenniksesteenweg(E) 571671 PepingenGround area
1,066 m²
Building footprint
189 m²
Volume, LiDAR
929 m³
Parcel 23019B0398/00H000, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BRUNO MARECHAL
since 20032.132.347.337
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23019B0398/00H000 | Flanders | 1,065 m² | 1 · 189 m² | 7.2 m · 2 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.
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Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 39,325 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-04-2003
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.