Summary
M’armori has a registered holding activity and consists mainly of financial fixed assets; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €179k and a net result of €51k. Equity is growing by ~42.4% per year across the filed fiscal years. Its solvency ranks better than 21% of 31694 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Holding: general score not applicable
The company has a registered holding activity and financial fixed assets account for more than half of its assets. The general operating-company model is unsuitable for this profile, so we show no financial axes either. Filed figures remain available.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 28-07-2026, 3 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
3 d early
2024
22 d late
2023
28 d late
2022
30 d late
← 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
€179k▲ 39.6%
2024 · €128k
2022: €43k
2023: €84k
2024: €128k
2022 → 2025
Total assets
€1.08M▲ 1.1%
2024 · €1.06M
2022: €393k
2023: €424k
2024: €1.06M
2022 → 2025
Net result
€51k▲ 14.3%
2024 · €44k
2022: €33k
2023: €41k
2024: €44k
2022 → 2025
Working capital
€-74k▲ 0.7%
2024 · €-75k
2022: €-45k
2023: €-68k
2024: €-75k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€43k-€84k▲ 96.1%€128k▲ 53.0%€179k▲ 39.6%
Operating result€52k-€61k▲ 17.0%€77k▲ 26.0%€107k▲ 39.1%
Net result€33k-€41k▲ 25.5%€44k▲ 8.1%€51k▲ 14.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 39% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.08M
Fixed assets
€1.04M ▼ 1.0%
Current assets
€35k ▲ 186%
Equity and liabilities €1.08M
Equity
€179k ▲ 39.6%
Debt
€897k ▼ 4.2%
Debt's share of the balance-sheet total falls from 88.0% to 83.4%. Equity is higher and debt is lower.
Key figures and ratios
ROE
28.4%▼
2024 · 34.6%
ROA
4.7%▲
2024 · 4.2%
Debt ≤ 1 year
€109k▲
2024 · €87k
Debt > 1 year
€788k▼
2024 · €849k
Income taxes
€26k▲
2024 · €21k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.06M€1.08M▲
Fixed assets21/28€1.05M€1.04M▼
Tangible fixed assets22/27€42k€31k▼
Plant, machinery and equipment23€560€337▼
Furniture and vehicles24€41k€31k▼
Financial fixed assets28€1.01M€1.01M=
Current assets29/58€12k€35k▲
Amounts receivable within one year40/41-€16k
Other amounts receivable41-€16k
Cash at bank and in hand54/58€12k€18k▲
Equity and liabilities
Total equity and liabilities10/49€1.06M€1.08M▲
Equity10/15€128k€179k▲
Contributions10/11€10k€10k=
Reserves13€118k€169k▲
Distributable reserves133€118k€169k▲
Profit (loss) carried forward14€405€118▼
Amounts payable17/49€936k€897k▼
Amounts payable after more than one year17€849k€788k▼
Financial debts170/4€849k€788k▼
Amounts payable within one year42/48€87k€109k▲
Current portion of amounts payable after more than one year42€61k€61k▲
Trade debts44€1k€217▼
Suppliers440/4€1k€217▼
Taxes, remuneration and social security45€25k€48k▲
Taxes450/3€23k€48k▲
Remuneration and social security454/9€3k-
Other amounts payable47/48€126-
Income statement
Code20242025
Remuneration, social security and pensions62€2k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▲
Other operating charges640/8€407€642▲
Gross operating margin9900€90k€119k▲
Operating profit (loss)9901€77k€107k▲
Financial income75/76B€11€64▲
Recurring financial income75€11€64▲
Financial charges65/66B€12k€30k▲
Recurring financial charges65€12k€30k▲
Profit (loss) for the period before taxes9903€65k€77k▲
Income taxes67/77€21k€26k▲
Profit (loss) for the period9904€44k€51k▲
Profit (loss) for the period to be appropriated9905€44k€51k▲
Appropriation of the result
Profit (loss) to be appropriated9906€44k€51k▲
Profit (loss) brought forward from the previous period14P€35€405▲
Transfer to equity691/2€44k€51k▲
To other reserves6921€44k€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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €51k ▲14.3%
Operating result €107k, net result €51k, both a record.
31-12
Financial
Equity above €150kEq €179k ▲39.6%
4 profitable years in a row build equity to €179k.
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
31-12
Financial
Equity above €100kEq €128k ▲53%
3 profitable years in a row build equity to €128k.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Beerse · 1 establishment unit since 2022
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.
Konijnenstraat 72340 BeerseGround area
2,804 m²
Building footprint
161 m²
Volume, LiDAR
771 m³
Parcel 13004E0001/00R064, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
M’armori
since 20222.327.657.728
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13004E0001/00R064 | Flanders | 2,804 m² | 1 · 161 m² | 8.8 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.
Similar companies · same sector, comparable size
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That's Y
BE 0741.687.536
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DELVAUX HOLDING
BE 0802.998.662
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,617 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-02-2022
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
23700Cutting, shaping and finishing of stone
43331Floor and wall tiling
63920Other information service activities
64210Activities of holding companies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.