Fiduciaire Marchoise
ActiveFiduciaire Marchoise has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €96k and a net result of €19k. Equity is growing by ~9.5% per year across the filed fiscal years. Its solvency ranks better than 77% of 12501 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability97▲+55
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 4.75 against 4.33 in 2024), and 20% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 69
Relative position
BE, all sectors
reference
Sector 69
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
80%
Return on assets
15.6%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
27 d late
2024
26 d late
2023
2 d late
2022
31 d late
2021
30 d late
2020
31 d late
2019
19 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
07-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€96k▲ 24.2%
2024 · €78k
2019: €67k
2020: €64k
2021: €55k
2022: €64k
2023: €71k
2024: €78k
2019 → 2025
Total assets
€120k▲ 21.9%
2024 · €99k
2019: €137k
2020: €151k
2021: €130k
2022: €128k
2023: €115k
2024: €99k
2019 → 2025
Net result
€19k▲ 186%
2024 · €7k
2019: €44k
2020: €41k
2021: €-9k
2022: €9k
2023: €7k
2024: €7k
2019 → 2025
Working capital
€90k▲ 28.1%
2024 · €70k
2019: €62k
2020: €42k
2021: €33k
2022: €46k
2023: €59k
2024: €70k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€55k-€64k▲ 16.1%€71k▲ 11.2%€78k▲ 9.2%€96k▲ 24.2%
Operating result€-7k-€17k€13k▼ 22.7%€13k▲ 0.5%€28k▲ 106%
Net result€-9k-€9k€7k▼ 19.7%€7k▼ 7.9%€19k▲ 186%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 106% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €120k
Fixed assets
€6k▼ 14.0%
Current assets
€114k▲ 24.7%
Equity and liabilities €120k
Equity
€96k▲ 24.2%
Debt
€24k▲ 13.7%
The debt ratio falls from 21.4% to 20.0%: equity grows faster than debt.
Key figures and ratios
EBITDA
€28k▲
2024 · €23k
Cash flow
€20k▲
2024 · €16k
Solvency
80.0%▲
2024 · 78.6%
Current ratio
4.75▲
2024 · 4.33
Quick ratio
4.75▲
2024 · 4.33
Debt / equity
0.25▼
2024 · 0.27
ROE
19.5%▲
2024 · 8.5%
ROA
15.6%▲
2024 · 6.7%
Interest coverage
47.07▲
2024 · 22.90
Debt
€24k▲
2024 · €21k
Debt ≤ 1 year
€24k▲
2024 · €21k
Income taxes
€8k▲
2024 · €6k
Staff costs
€2k▼
2024 · €34k
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€99k€120k▲
Fixed assets21/28€7k€6k▼
Tangible fixed assets22/27€4k€3k▼
Plant, machinery and equipment23€4k€3k▼
Financial fixed assets28€3k€3k▼
Current assets29/58€91k€114k▲
Amounts receivable within one year40/41€81k€100k▲
Trade receivables40€73k€96k▲
Other amounts receivable41€8k€4k▼
Cash at bank and in hand54/58€10k€12k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€99k€120k▲
Equity10/15€78k€96k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€57k€76k▲
Amounts payable17/49€21k€24k▲
Amounts payable within one year42/48€21k€24k▲
Trade debts44€13k€18k▲
Suppliers440/4€13k€18k▲
Taxes, remuneration and social security45€6k€6k▲
Taxes450/3€6k€6k▲
Remuneration and social security454/9€84-
Other amounts payable47/48€3k-
Income statement
Code20242025
Remuneration, social security and pensions62€34k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€955▼
Other operating charges640/8€12k€8k▼
Gross operating margin9900€69k€39k▼
Operating profit (loss)9901€13k€28k▲
Financial charges65/66B€994€605▼
Recurring financial charges65€994€605▼
Profit (loss) for the period before taxes9903€12k€27k▲
Income taxes67/77€6k€8k▲
Profit (loss) for the period9904€7k€19k▲
Profit (loss) for the period to be appropriated9905€7k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€57k€76k▲
Profit (loss) brought forward from the previous period14P€51k€57k▲
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €-9k ▼123%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 19 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
02-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 2 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2024
Marie-Astrid ÉTIENNE
CurrentDirector · since 19-07-2024
19-07-2024
Resigned as Gérant
19-07-2024
Appointed as Director
Not every act has been read: a resignation may be missing here
4 of this company's 4 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Marche-en-Famenne · 1 establishment unit since 1997
Ground area
752 m²
Building footprint
334 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
FIDUCIAIRE MARCHOISE
since 19972.080.328.217
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83034B0226/00Z000 | Wallonia | 420 m² | 1 · 241 m² | - |
| 83034A0636/00T003 | Wallonia | 332 m² | 1 · 93 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
D & A
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Herent · Eq €96k
ADMINISTRATIE EN FISCALITEIT WILLEMS
BE 0425.891.069
Herentals · Eq €96k
SMAIL CONSULTING
BE 0764.875.781
Halle · Eq €96k
ECMW
BE 0652.932.338
Sombreffe · Eq €96k
ADS CONSULT
BE 0895.335.041
Sint-Jans-Molenbeek · Eq €96k
Of 12,122 companies in sector 69201 we hold annual accounts for 7,591. 6,425 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-02-1997
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 31-08-2026. Scores and ratios are computed by Checked and are not a credit decision.