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Complete company report
Generated 05-09-2026
Active BE 0424.560.189Private limited company

MAC ROSS

Leie 3A ·9140 Temse, Belgium· 43 yrs active
Sector: Retail trade (47812)
Conclusion Checked

MAC ROSS has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €48k and a net result of €-32k. Equity is shrinking by ~29.8% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 25% of 17366 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).

Based on the State Gazette, CBE and 3 annual accounts.
Key figures
Equity €48k
Net result €-32k
Better than sector 25%
Active 43 yrs
Financial profile 5 of 5 axes measured · computed by Checked
Health20Profitability0Solvency3Growth32Stability100
31 / 100

Fragile profile, watch profitability in particular.

All 5 axes are computed from data Checked has read.

Health 20
Profitability 0
Solvency 3
Growth 32
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.5% Low
0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 1983, 43 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score FY 2025 · computed
20 / 100 Critical
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
No credit
negative equity or figures too weak
Score history
15 2023
12 2024
20 2025
purely financial, excl. current insolvency signals
Score components
Liquidity Current ratio 0.03 (< 1.0) -10
Quick ratio Quick ratio 0.03 (< 0.6) -5
Leverage Debt/equity 21.31 (> 3.0) -10
Profitability Negatieve ROE -67% -10
Interest coverage Interest coverage 314423.0× (≥ 3×) +8
Profit trend Net profit down YoY -3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview42 NBB filings
Annual accounts filed on 04-02-2026 with the NBB · fiscal year 2025 · micro schema
€-40k€-30k€-20k€-10k€0Operating result 2023: €-5k€-5kNet result 2023: €-4k€-4kOperating result 2024: €-16k€-16kNet result 2024: €-16k€-16kOperating result 2025: €-32k€-32kNet result 2025: €-32k€-32k202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining At this pace, equity would indicatively turn negative around fiscal year 2028, assuming unchanged policy.
€-50k€0€50k€100k2026: €24k (€20k - €28k)2027: €176 (€-4k - €4k)2028: €-24k (€-28k - €-20k)2023: €96k2024: €80k2025: €48k202320242025202620272028
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 4.5% 34.6%
better than 25% of 17366 sector peers
Net result €-32k €5k
better than 7% of 17348 sector peers
Equity €48k €44k
better than 52% of 17394 sector peers
Gross operating margin €30k €34k
better than 47% of 17313 sector peers
Total assets €1.07M €154k
better than 95% of 17371 sector peers
EBITDA
€9k
-16.8% 23-25
Net profit
€-32k
-106.2% 23-25
Cash flow
€9k
-16.8% 23-25
Total assets
€1.07M
-4.8% 23-25
Equity
€48k
-40.2% 23-25
Working capital
€-991k
+3.5% 23-25
Debt
€1.03M
-2.1% 23-25
Debt ≤ 1y
€1.03M
-2.2% 23-25
Debt > 1y
€250
0.0% 23-25
Current ratio
0.03
+65.9% 23-25
Quick ratio
0.03
+65.9% 23-25
Solvency
4.5%
-37.1% 23-25
Debt / equity
21.31
+63.5% 23-25
ROE
-67.1%
-244.6% 23-25
ROA
-3.0%
-116.7% 23-25
Interest coverage
314423.00
- 23-25
Figures by fiscal year and ratios
Fiscal year202520242023
Depositmicro schemamicro schemamicro schema
Revenue---
EBITDA€9k€11k€128
Net profit€-32k€-16k€-4k
Cash flow€9k€11k€328
Staff costs---
Income taxes---
Dividends---
Total assets€1.07M€1.13M€1.09M
Equity€48k€80k€96k
Debt€1.03M€1.05M€993k
of which ≤ 1y€1.03M€1.05M€964k
of which > 1y€250€250€30k
Working capital€-991k€-1.03M€-944k
Employees (FTE)---
Ratios (computed)
202520242023
Current ratio0.030.020.02
Quick ratio0.030.020.02
Working capital ratio-92.3%-91.0%-86.6%
Solvency4.5%7.1%8.8%
Debt / equity21.3113.0310.33
Long-term debt ratio0.010.000.31
Interest coverage314423.00--
Gross margin---
Net margin---
ROA-3.0%-1.4%-0.4%
ROE-67.1%-19.5%-4.7%
EBITDA margin---
Days sales outstanding---
Days payable outstanding---
Inventory turnover---
Days inventory (DSI)---
Balance-sheet composition 2025
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code202520242023
Balance sheet, Assets
TOTAL ASSETS 20/58€1.07M€1.13M€1.09M
Fixed assets 21/28€1.04M€1.11M€1.07M
Tangible fixed assets 22/27€1.04M€1.11M€1.07M
Current assets 29/58€34k€21k€20k
Amounts receivable within one year 40/41€19k€11k€7k
Cash & bank 54/58€12k€8k€11k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€1.07M€1.13M€1.09M
Equity 10/15€48k€80k€96k
Contributions / capital 10/11€19k€19k€19k
Reserves 13€30k€89k€89k
Accumulated profits (losses) 14-€-27k€-12k
Amounts payable 17/49€1.03M€1.05M€993k
Amounts payable after one year 17€250€250€30k
Amounts payable within one year 42/48€1.03M€1.05M€964k
Trade debts payable within one year 44€5k€8k€6k
Income statement
Gross operating margin 9900€30k€18k€11k
Operating result 9901€-32k€-16k€-5k
Financial income 75€1-€199
Financial charges 65€0--
Result before taxes 9903€-32k€-16k€-4k
Net result for the period 9904€-32k€-16k€-4k
Result to be appropriated 9905€-32k€-16k€-4k
Directors & mandates 4 directors
Current directors & mandates
  • Pauwels Marc
    Director
    State Gazette act 24351307 (02-02-2024)
    Current
    02-02-2024 → present
Former directors (3)
  • Bracke Stef
    Director
    State Gazette act 24351307 (02-02-2024)
    Former
    - → 02-02-2024
  • Pauwels Xenia
    Director
    State Gazette act 24351307 (02-02-2024)
    Former
    - → 02-02-2024
  • Pauwels Xeres
    Director
    State Gazette act 24351307 (02-02-2024)
    Former
    - → 02-02-2024
Legal Structure
NACE primary Retail trade(47812)
Legal form Private limited company(610)
Incorporation02-09-1983
StatusActive
Postal code9140
Establishment units 1 location
MAC ROSS
Jan Breydelstraat 14/16, 9100 Sint-NiklaasNACE 45193
since 19832.022.906.591
Real-estate footprint Source: CBE × cadastre
Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
46025B1358/00D000 Flanders 321 m² 1 · 240 m² -
46447B0406/00P002 Flanders 201 m² 1 · 133 m² 10.8 m · 3 fl.
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.
Updates 12 events
Next filing, fiscal year 2026, expected by 31-01-2027
2026
04-02
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
30-06
Financial Weakest financial yearnet €-32k
Net result drops to €-32k, the lowest in the series.
26-02
State Gazette act Registered-office change
04-02
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
29-02
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
02-02
State Gazette act Director changes
PHILIPPE VERLINDEN
2023
31-01
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
16-02
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
28-01
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
03-02
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 3 days late
2019
04-02
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 4 days late
2018
31-01
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2017
31-01
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage 0 of 9 acts read

We know of 9 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 2 acts
Address history · 1
26-02-2025
Registered-office move
All acts · 2 updated 1 year ago
2025
26-02-2025 Registered office moved from Sint-Niklaas to Temse Registered-office change
  • Vermorgenstraat 69, bus 3, 9100 Sint-Niklaas → Leie 3A, 9140 Тemse
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Leie 3A, 9140 \u0422emse",
        "city": "Temse",
        "region": "vlaams_gewest",
        "street": "Leie",
        "country": "BE",
        "postcode": "9140",
        "box_number": "A",
        "street_number": "3",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Vermorgenstraat 69, bus 3, 9100 Sint-Niklaas",
        "city": "Sint-Niklaas",
        "region": "vlaams_gewest",
        "street": "Vermorgenstraat",
        "country": "BE",
        "postcode": "9100",
        "box_number": "3",
        "street_number": "69",
        "locality_suffix": null
      },
      "effective_date": "2024-12-03",
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "absolute",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2025-02-26",
    "filing_date": "2025-02-18",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "raad_van_bestuur",
    "date": "2024-12-03",
    "unanimous": null
  },
  "subject_company": {
    "kbo": "0424.560.189",
    "name_full": "Mac Ross",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Marc Pauwels",
    "org_rep_person_name": null,
    "person_role_at_subject": "Bestuurder"
  },
  "co_filed_documents": [
    "de notulen van de bestuursvergadering dd. 03/12/2024"
  ]
}
2024
02-02-2024 1 director appointed, 3 resigning Director changes·PHILIPPE VERLINDEN
  • Pauwels Marc, Bestuurder
  • Bracke Stef, Bestuurder
  • Pauwels Xeres, Bestuurder
  • Pauwels Xenia, Bestuurder
Notary: PHILIPPE VERLINDEN · Sint-Niklaas
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Bracke Stef",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Pauwels Xeres",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": "granted",
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      "rep_rotation_new_rep": null,
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    },
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Pauwels Xenia",
        "address": null,
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        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": "pending_next_agm",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Pauwels Marc",
        "address": null,
        "birth_date": null,
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        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": "niet_statutair",
      "compensated": false,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "decharge_granted",
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    },
    {
      "kind": "decharge_pending",
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    },
    {
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    },
    {
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    },
    {
      "kind": "board_snapshot",
      "role": "bestuurder",
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      "via_org": null,
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      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "substantive_delegation",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Raeymaekers Stefaan",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": {
        "kbo": "0771.575.018",
        "name": "Ster Accountancy",
        "address": "2880 Bornem, Klein-Mechelen 64",
        "country": "BE",
        "legal_form": "BV"
      },
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": "PHILIPPE VERLINDEN",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Sint-Niklaas",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-02-02",
    "filing_date": "2024-01-31",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2024-01-19",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0424.560.189",
    "name_full": "MAC ROSS",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Philippe Verlinden",
    "org_rep_person_name": null,
    "person_role_at_subject": "notaris"
  },
  "co_filed_documents": [
    "een expeditie van de akte",
    "geco\u00F6rdineerde statuten",
    "verslag bestuursorgaan inzake voorwerpwijziging"
  ],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount
Company registry (CBE) Crossroads Bank
Activities
Retail trade47812Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles95312Retail sale of motor vehicle parts and accessories47820Taxi operation49320On-demand passenger transport by chauffeured vehicle49330Renting and leasing of cars and light motor vehicles77110
Names & trade names
Legal nameNL MAC ROSS
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative