Fonteni - Maroye
ActiveFonteni - Maroye has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €536k and a net result of €6k. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 84% of 4502 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability5▲+2
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 7.09 against 6.24 in 2024), and 14.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 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 2025Solvency, return and age of the figures
Solvency
85.9%
Return on assets
0.9%
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 31-08-2026, 31 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
31 d late
2024
22 d late
2023
58 d late
2022
31 d late
2021
30 d late
2020
30 d late
2019
109 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€6k▲ 92.4%
2024 · €3k
2018: €-14k
2019: €-15k
2020: €2k
2021: €10k
2022: €2k
2023: €5k
2024: €3k
2018 → 2025
Working capital
€535k▲ 1.1%
2024 · €529k
2018: €510k
2019: €504k
2020: €507k
2021: €518k
2022: €520k
2023: €526k
2024: €529k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€522k-€523k▲ 0.3%€528k▲ 0.9%€531k▲ 0.5%€536k▲ 1.0%
Operating result€4k-€2k▼ 52.0%€5k▲ 163%€3k▼ 28.9%€6k▲ 69.4%
Net result€10k-€2k▼ 84.2%€5k▲ 178%€3k▼ 37.1%€6k▲ 92.4%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 69% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €624k
Fixed assets
€1k▼ 25.0%
Current assets
€623k▼ 1.1%
Equity and liabilities €624k
Equity
€536k▲ 1.0%
Debt
€88k▼ 12.8%
The debt ratio falls from 16.0% to 14.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€6k▲
2024 · €4k
Cash flow
€6k▲
2024 · €3k
Solvency
85.9%▲
2024 · 84.0%
Current ratio
7.09▲
2024 · 6.24
Quick ratio
7.08▲
2024 · 6.23
Debt / equity
0.16▼
2024 · 0.19
ROE
1.0%▲
2024 · 0.5%
ROA
0.9%▲
2024 · 0.5%
Interest coverage
36.61▲
2024 · 7.89
Debt
€88k▼
2024 · €101k
Debt ≤ 1 year
€88k▼
2024 · €101k
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€631k€624k▼
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Land and buildings22€2k€1k▼
Current assets29/58€630k€623k▼
Stocks and contracts in progress3€1k€1k=
Stocks30/36€1k€1k=
Amounts receivable within one year40/41€623k€614k▼
Trade receivables40€4k€745▼
Other amounts receivable41€619k€614k▼
Cash at bank and in hand54/58€2k€1k▼
Deferred charges and accrued income490/1€3k€6k▲
Equity and liabilities
Total equity and liabilities10/49€631k€624k▼
Equity10/15€531k€536k▲
Contributions10/11€527k€527k=
Capital10€527k€527k=
Issued capital100€527k€527k=
Reserves13€67k€67k=
Non-distributable reserves130/1€53k€53k=
Legal reserve130€53k€53k=
Tax-exempt reserves132€14k€14k=
Profit (loss) carried forward14€-63k€-57k▲
Amounts payable17/49€101k€88k▼
Amounts payable within one year42/48€101k€88k▼
Trade debts44€8k€8k▼
Suppliers440/4€8k€8k▼
Taxes, remuneration and social security45€13-
Taxes450/3€13-
Other amounts payable47/48€92k€80k▼
Income statement
Code20242025
Non-recurring operating income76A-€0
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€495€495=
Other operating charges640/8€581€632▲
Non-recurring operating charges66A-€797
Gross operating margin9900€4k€8k▲
Operating profit (loss)9901€3k€6k▲
Financial charges65/66B€489€169▼
Recurring financial charges65€489€169▼
Profit (loss) for the period before taxes9903€3k€6k▲
Profit (loss) for the period9904€3k€6k▲
Profit (loss) for the period to be appropriated9905€3k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-63k€-57k▲
Profit (loss) brought forward from the previous period14P€-66k€-63k▲
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 22 days late
2024
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 58 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Highest result since 2018net €10k ▲502%
Net result €10k, the highest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
17-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 109 days late
2019
31-12
Financial
Weakest financial yearnet €-15k
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Similar companies · same sector, comparable size
Dego Rental
BE 0729.907.083
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VDMobility
BE 0784.545.403
Knokke-Heist · Eq €535k
P&V Immo
BE 0429.065.543
Alken · Eq €534k
LES BIENS COMMUNAUX
BE 0666.687.433
Liège · Eq €534k
ALVERINVEST
BE 0782.347.164
Sint-Martens-Latem · Eq €538k
Of 11,974 companies in sector 68203 we hold annual accounts for 5,947. 4,379 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded04-10-1983
Fiscal year end31-12
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
74109Other professional, scientific and technical activities
74140Other specialised design activities
Sources
Crossroads Bank for EnterprisesNational Bank · 42 filings
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.