LUIGI MARRAZZA
ActiveLUIGI MARRAZZA has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €482k and a net result of €57k. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 95% of 6537 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability82=
Solvency100▲+2
Growth52▼-6
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 8.19 against 3.97 in 2023; short-term debt: 11.4% and cash: 67% of total assets), and 11.4% 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+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
88.6%
Return on assets
10.5%
Age of the figures
21 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
37 d early
2022
24 d early
2021
31 d early
2020
71 d early
2019
21 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€57k▼ 11.6%
2023 · €65k
2018: €64k
2019: €44k
2020: €66k
2021: €81k
2022: €51k
2023: €65k
2018 → 2024
Working capital
€445k▲ 5.8%
2023 · €421k
2018: €303k
2019: €276k
2020: €323k
2021: €393k
2022: €420k
2023: €421k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€422k-€439k▲ 3.9%€440k▲ 0.3%€445k▲ 1.1%€482k▲ 8.4%
Operating result€89k-€111k▲ 24.6%€72k▼ 35.5%€90k▲ 26.3%€77k▼ 15.3%
Net result€66k-€81k▲ 23.2%€51k▼ 37.0%€65k▲ 26.8%€57k▼ 11.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 15% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €544k
Fixed assets
€37k▼ 17.5%
Current assets
€507k▼ 9.8%
Equity and liabilities €544k
Equity
€482k▲ 8.4%
Debt
€62k▼ 61.9%
The debt ratio falls from 26.7% to 11.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€101k▼
2023 · €110k
Cash flow
€82k▼
2023 · €84k
Solvency
88.6%▲
2023 · 73.3%
Current ratio
8.19▲
2023 · 3.97
Quick ratio
6.53▲
2023 · 2.94
Debt / equity
0.13▼
2023 · 0.36
ROE
11.9%▼
2023 · 14.6%
ROA
10.5%▼
2023 · 10.7%
Interest coverage
69.50▲
2023 · 58.51
Debt
€62k▼
2023 · €162k
Debt ≤ 1 year
€62k▼
2023 · €141k
Income taxes
€22k▼
2023 · €24k
Staff costs
€85k▲
2023 · €82k
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€607k€544k▼
Fixed assets21/28€45k€37k▼
Tangible fixed assets22/27€45k€37k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€30k€27k▼
Other tangible fixed assets26€11k€7k▼
Financial fixed assets28€234€234=
Current assets29/58€562k€507k▼
Stocks and contracts in progress3€146k€103k▼
Stocks30/36€146k€103k▼
Amounts receivable within one year40/41€19k€39k▲
Trade receivables40€18k€39k▲
Other amounts receivable41€1k-
Cash at bank and in hand54/58€398k€365k▼
Deferred charges and accrued income490/1-€526
Equity and liabilities
Total equity and liabilities10/49€607k€544k▼
Equity10/15€445k€482k▲
Contributions10/11€34k€34k=
Reserves13€405k€445k▲
Distributable reserves133€405k€445k▲
Profit (loss) carried forward14€6k€3k▼
Amounts payable17/49€162k€62k▼
Amounts payable within one year42/48€141k€62k▼
Trade debts44€61k€16k▼
Suppliers440/4€61k€16k▼
Taxes, remuneration and social security45€20k€24k▲
Taxes450/3€13k€17k▲
Remuneration and social security454/9€8k€7k▼
Other amounts payable47/48€60k€23k▼
Accrued charges and deferred income492/3€21k-
Income statement
Code20232024
Non-recurring operating income76A-€19k
Remuneration, social security and pensions62€82k€85k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€25k▲
Other operating charges640/8€3k€5k▲
Non-recurring operating charges66A-€19k
Gross operating margin9900€194k€210k▲
Operating profit (loss)9901€90k€77k▼
Financial income75/76B€366€5k▲
Recurring financial income75€366€5k▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€89k€80k▼
Income taxes67/77€24k€22k▼
Profit (loss) for the period9904€65k€57k▼
Profit (loss) for the period to be appropriated9905€65k€57k▼
Appropriation of the result
Profit (loss) to be appropriated9906€66k€63k▼
Profit (loss) brought forward from the previous period14P€869€6k▲
Transfer to equity691/2-€40k
To other reserves6921-€40k
Profit to be distributed694/7€60k€20k▼
Return on contributions (dividend)694€60k€20k▼
Social balance
Average headcount (FTE)90872.62.4▼
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 · full schema
2024
31-12
Financial
Liquidity doublescurrent ratio 8.19
Current ratio from 3.97 to 8.19; short-term debt falls from €141k to €62k.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €81k ▲23.2%
Operating result €111k, net result €81k, both a record.
21-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €44k ▼30.5%
Net result drops to €44k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 27 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
2016
26-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Namur · 1 establishment unit since 1982
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.
Chaussée de Marche(EP) 6015101 NamurGround area
1.2 ha
Building footprint
1,103 m²
Volume, LiDAR
7,858 m³
Parcel 92039A0072/00W000, Wallonia · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Chaussée de Marche(EP) 601, 5101 Namur
since 19822.034.865.010
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92039A0072/00W000 | Wallonia | 1.2 ha | 1 · 1,103 m² | 9.9 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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Ollivier Halle
BE 0536.437.912
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GARAGE DE GROOTE
BE 0440.244.693
Onhaye · Eq €484k
Traen Noël
BE 0464.742.242
Jabbeke · Eq €481k
ETS GERMEAU
BE 0418.574.301
Awans · Eq €484k
AUTO'S KODA
BE 0846.934.912
Torhout · Eq €481k
Of 10,672 companies in sector 47811 we hold annual accounts for 5,222. 3,467 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-04-1982
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
50103
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47300Retail sale of automotive fuel
50200
Sources
Crossroads Bank for EnterprisesNational Bank · 42 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.