MA-TECH
ActiveThe computed 12-month bankruptcy probability of MA-TECH is 2.1% (moderate). The 2025 annual accounts show equity of €22k and a net result of €20k. Its solvency ranks better than 36% of 7376 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency55
Growth-
Track record67
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.02; short-term debt: 46% and cash: 0.2% of total assets), and 69.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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 41
Relative position
BE, all sectors
reference
Sector 41
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 2025Solvency, return and age of the figures
Solvency
30.3%
Return on assets
27.6%
Age of the figures
9 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 19-08-2026, 19 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 · 1 filingDeviation from the deadline
2025
19 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€22k
Total assets
€74k
Net result
€20k
Working capital
€655
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €74k
Fixed assets
€39k
Current assets
€35k
Equity and liabilities €74k
Equity
€22k
Debt
€52k
Debt finances 69.7% of the balance-sheet total.
Key figures and ratios
EBITDA
€41k
Cash flow
€32k
Solvency
30.3%
Current ratio
1.02
Quick ratio
1.02
Debt / equity
2.30
ROE
91.1%
ROA
27.6%
Interest coverage
21.53
Debt
€52k
Debt ≤ 1 year
€34k
Debt > 1 year
€18k
Income taxes
€6k
Staff costs
€44k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€74k
Fixed assets21/28€39k
Tangible fixed assets22/27€39k
Plant, machinery and equipment23€6k
Furniture and vehicles24€34k
Current assets29/58€35k
Amounts receivable within one year40/41€33k
Trade receivables40€12k
Other amounts receivable41€21k
Cash at bank and in hand54/58€150
Deferred charges and accrued income490/1€2k
Equity and liabilities
Total equity and liabilities10/49€74k
Equity10/15€22k
Contributions10/11€2k
Profit (loss) carried forward14€20k
Amounts payable17/49€52k
Amounts payable after more than one year17€18k
Financial debts170/4€18k
Amounts payable within one year42/48€34k
Current portion of amounts payable after more than one year42€18k
Trade debts44€3k
Suppliers440/4€3k
Taxes, remuneration and social security45€6k
Taxes450/3€6k
Other amounts payable47/48€7k
Income statement
Code2025
Remuneration, social security and pensions62€44k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k
Other operating charges640/8€467
Gross operating margin9900€85k
Operating profit (loss)9901€29k
Financial charges65/66B€2k
Recurring financial charges65€2k
Profit (loss) for the period before taxes9903€27k
Income taxes67/77€6k
Profit (loss) for the period9904€20k
Profit (loss) for the period to be appropriated9905€20k
Appropriation of the result
Profit (loss) to be appropriated9906€20k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
NBB filing
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, Sint-Niklaas · 1 establishment unit since 2024
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.
Driekoningenstraat 259100 Sint-NiklaasGround area
146 m²
Building footprint
67 m²
Volume, LiDAR
368 m³
Parcel 46447B0442/00L002, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MA-TECH
since 20242.356.967.168
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46447B0442/00L002 | Flanders | 146 m² | 1 · 67 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
MIREC & CO
BE 0793.516.418
Drogenbos · Eq €22k
DELIU CONSTRUCT
BE 0784.391.488
Dilbeek · Eq €22k
VAN COMPANY
BE 0787.421.848
Willebroek · Eq €22k
MORREALE CONSTRUCTIONS
BE 0894.451.054
Modave · Eq €22k
WE-GROUP
BE 0790.388.662
Halle · Eq €22k
Of 29,810 companies in sector 41001 we hold annual accounts for 16,041. 11,820 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-03-2024
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43211General electrical installation work
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43230Insulation installation
43240Other construction installation
43291Specialised construction activities
43299Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.