Frédéric MAURO
ActiveSummary
Frédéric MAURO has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-47k) and a net result of €-9k. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 5% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
38
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▼-22
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.07 against 0.12 in 2024; short-term debt: 176.4% and cash: 3.4% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Six 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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-76.4%
Return on assets
-14.9%
Age of the figures
9 mo
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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-47k
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
39 d early
2023
27 d early
2022
36 d early
2021
41 d early
2020
15 d early
2019
18 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-47k▼ 24.2%
2024 · €-38k
2018: €-32k
2019: €-44k
2020: €-72k
2021: €-74k
2022: €-66k
2023: €-39k
2024: €-38k
2018 → 2025
Total assets
€61k▼ 19.8%
2024 · €76k
2018: €87k
2019: €43k
2020: €33k
2021: €31k
2022: €5k
2023: €26k
2024: €76k
2018 → 2025
Net result
€-9k
2024 · €2k
2018: €-16k
2019: €-12k
2020: €-29k
2021: €-2k
2022: €8k
2023: €26k
2024: €2k
2018 → 2025
Working capital
€-100k▼ 0.1%
2024 · €-100k
2018: €-86k
2019: €-83k
2020: €-101k
2021: €-90k
2022: €-67k
2023: €-40k
2024: €-100k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-74k-€-66k▲ 11.4%€-39k▲ 40.1%€-38k▲ 4.9%€-47k▼ 24.2%
Operating result€-2k-€9k€30k▲ 232%€1k▼ 95.1%€-9k
Net result€-2k-€8k€26k▲ 212%€2k▼ 92.7%€-9k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €9k after €1k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €61k
Fixed assets
€53k ▼ 14.5%
Current assets
€8k ▼ 43.3%
Key figures and ratios
EBITDA
€8k▼
2024 · €11k
Cash flow
€8k▼
2024 · €11k
Solvency
-76.4%▼
2024 · -49.3%
Current ratio
0.07▼
2024 · 0.12
Debt to equity
-2.31▲
2024 · -3.03
ROA
-14.9%▼
2024 · 2.5%
Interest coverage
1349.65▼
2024 · 1050471.00
Debt
€108k▼
2024 · €114k
Debt ≤ 1 year
€108k▼
2024 · €114k
Income taxes
€204▲
2024 · €-434
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 31 lines
Balance sheet
Code20242025
Assets
Total assets20/58€76k€61k▼
Fixed assets21/28€62k€53k▼
Tangible fixed assets22/27€62k€53k▼
Furniture and vehicles24€62k€53k▼
Current assets29/58€14k€8k▼
Amounts receivable within one year40/41€8k€5k▼
Trade receivables40€6k-
Other amounts receivable41€2k€5k▲
Cash at bank and in hand54/58€5k€2k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€76k€61k▼
Equity10/15€-38k€-47k▼
Contributions10/11€13k€13k=
Profit (loss) carried forward14€-51k€-60k▼
Amounts payable17/49€114k€108k▼
Amounts payable within one year42/48€114k€108k▼
Trade debts44€609€1k▲
Suppliers440/4€609€1k▲
Other amounts payable47/48€113k€106k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€17k▲
Other operating charges640/8€589€501▼
Gross operating margin9900€11k€9k▼
Operating profit (loss)9901€1k€-9k▼
Financial charges65/66B€0€6▲
Recurring financial charges65€0€6▲
Profit (loss) for the period before taxes9903€1k€-9k▼
Income taxes67/77€-434€204▲
Profit (loss) for the period9904€2k€-9k▼
Profit (loss) for the period to be appropriated9905€2k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-51k€-60k▼
Profit (loss) brought forward from the previous period14P€-53k€-51k▲
The notes to these accounts (7 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €26k ▲212%
Operating result €30k, net result €26k, both a record.
25-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €8k
Net result €8k after 4 loss-making years.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-29k
Net result drops to €-29k, the lowest in the series; recovery starts the following year.
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
01-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Elsene · 1 establishment unit since 2014
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.
Louizalaan 4491050 ElseneGround area
2,240 m²
Building footprint
701 m²
Volume, LiDAR
22,845 m³
2 parcels, Brussels · tallest building 46.3 m, ±14 floors. Linked by address, not a title deed.
1 establishment unit
Messidorlaan 210, 1180 Ukkel
since 20142.234.821.503
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21618B0276/00V055 | Brussels | 1,296 m² | 1 · 339 m² | 28.2 m · 8 fl. |
| 21822R0223/00R004 | Brussels | 944 m² | 1 · 362 m² | 46.3 m · 14 fl. |
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector and region
21CC
BE 0743.676.729
Elsene
A.K. LEGAL SERVICES
BE 0899.677.176
Elsene
ACQUIS
BE 0739.590.158
Elsene
AF LEGAL
BE 0476.769.747
Elsene
AKD
BE 0463.349.796
Elsene
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 2,762 companies in sector 69109 we hold annual accounts for 1,208. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-09-2014
Fiscal year end31-12
Activities, NACEBEL 2025
69109Other legal services
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.