MACORS FINANCES
ActiveMACORS FINANCES is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €407k and a net result of €20k. Equity is growing by ~20.9% per year across the filed fiscal years. Its solvency ranks better than 42% of 2410 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 25-02-2026, 25 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 · 10 filingsDeviation from the deadline
2025
25 d late
2024
26 d late
2023
on the day
2022
9 d late
2021
5 d early
2020
4 d early
2019
4 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€407k▼ 6.9%
2024 · €437k
2019: €169k
2020: €192k
2021: €232k
2022: €311k
2023: €432k
2024: €437k
2019 → 2025
Net result
€20k▼ 74.0%
2024 · €77k
2019: €22k
2020: €23k
2021: €41k
2022: €79k
2023: €121k
2024: €77k
2019 → 2025
Total assets
€975k▼ 11.5%
2024 · €1.10M
2019: €915k
2020: €917k
2021: €892k
2022: €865k
2023: €979k
2024: €1.10M
2019 → 2025
Solvency
41.7%▲ 2.1pp
2024 · 39.7%
2019: 18.5%
2020: 20.9%
2021: 26.1%
2022: 36.0%
2023: 44.1%
2024: 39.7%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€232k-€311k▲ 34.0%€432k▲ 38.8%€437k▲ 1.1%€407k▼ 6.9%
Operating result€69k-€115k▲ 66.3%€172k▲ 50.4%€113k▼ 34.2%€43k▼ 62.4%
Net result€41k-€79k▲ 94.7%€121k▲ 52.8%€77k▼ 36.3%€20k▼ 74.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 62% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €975k
Fixed assets
€781k▼ 9.3%
Current assets
€194k▼ 19.1%
Equity and liabilities €975k
Equity
€407k▼ 6.9%
Debt
€568k▼ 14.5%
The debt ratio falls from 60.3% to 58.3%: debt falls faster than equity shrinks.
Key figures and ratios
Solvency
41.7%▲
2024 · 39.7%
ROE
4.9%▼
2024 · 17.6%
ROA
2.0%▼
2024 · 7.0%
Debt
€568k▼
2024 · €664k
Debt ≤ 1 year
€181k▼
2024 · €186k
Debt > 1 year
€386k▼
2024 · €467k
Income taxes
€11k▼
2024 · €22k
Staff costs
€154k▲
2024 · €131k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.10M€975k▼
Fixed assets21/28€861k€781k▼
Tangible fixed assets22/27€860k€779k▼
Land and buildings22€717k€684k▼
Plant, machinery and equipment23€7k€5k▼
Furniture and vehicles24€136k€86k▼
Other tangible fixed assets26-€4k
Financial fixed assets28€1k€1k=
Current assets29/58€240k€194k▼
Amounts receivable within one year40/41€32k€33k▲
Trade receivables40€27k€708▼
Other amounts receivable41€5k€33k▲
Current investments50/53€50k-
Cash at bank and in hand54/58€109k€119k▲
Deferred charges and accrued income490/1€49k€42k▼
Equity and liabilities
Total equity and liabilities10/49€1.10M€975k▼
Equity10/15€437k€407k▼
Contributions10/11€19k€19k=
Reserves13€104k€104k=
Tax-exempt reserves132€28k€28k=
Distributable reserves133€77k€77k=
Profit (loss) carried forward14€314k€284k▼
Amounts payable17/49€664k€568k▼
Amounts payable after more than one year17€467k€386k▼
Financial debts170/4€467k€386k▼
Amounts payable within one year42/48€186k€181k▼
Current portion of amounts payable after more than one year42€83k€81k▼
Financial debts43€19k€7k▼
Credit institutions430/8€19k€7k▼
Trade debts44€239€239=
Suppliers440/4€239€239=
Taxes, remuneration and social security45€45k€58k▲
Taxes450/3€30k€31k▲
Remuneration and social security454/9€15k€27k▲
Other amounts payable47/48€39k€35k▼
Accrued charges and deferred income492/3€11k€304▼
Income statement
Code20242025
Remuneration, social security and pensions62€131k€154k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€104k€112k▲
Other operating charges640/8€13k€14k▲
Gross operating margin9900€361k€322k▼
Operating profit (loss)9901€113k€43k▼
Financial income75/76B€682€3k▲
Recurring financial income75€682€3k▲
Financial charges65/66B€15k€15k▼
Recurring financial charges65€15k€15k▼
Profit (loss) for the period before taxes9903€99k€31k▼
Income taxes67/77€22k€11k▼
Profit (loss) for the period9904€77k€20k▼
Profit (loss) for the period to be appropriated9905€77k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€386k€334k▼
Profit (loss) brought forward from the previous period14P€309k€314k▲
Profit to be distributed694/7€72k€50k▼
Return on contributions (dividend)694€72k€50k▼
The notes to these accounts (13 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
25-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
30-06
Financial
Weakest financial yearnet €20k ▼74%
Net result drops to €20k, the lowest in the series.
26-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Highest result since 2019net €121k ▲52.8%
Operating result €172k, net result €121k, both a record.
09-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
2022
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €200kEq €232k ▲21.1%
3 profitable years in a row build equity to €232k.
27-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
04-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 4 days late
2019
22-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
25-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
05-12
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Blégny · 2 establishment units since 2008
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.
Rue del'No 104671 BlégnyGround area
1,365 m²
Building footprint
185 m²
Volume, LiDAR
1,285 m³
2 parcels, Wallonia · tallest building 9.6 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
AGENT DELEGUE BEOBANK
since 20082.172.616.787
.
since 20162.251.017.434
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62056A0429/00M000 | Wallonia | 951 m² | 1 · 112 m² | 8.7 m · 2 fl. |
| 62009A1006/00N000 | Wallonia | 414 m² | 1 · 73 m² | 9.6 m · 3 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.
Similar companies · same sector, comparable size
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CAROLINE DENTURCK
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PIETERJAN LONGUEVILLE
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PHILIPPE VANDECAVEYE
BE 0870.178.387
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Of 1,679 companies in sector 66191 we hold annual accounts for 1,227. 1,034 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-07-2008
Fiscal year end30-06
Activities, NACEBEL
66191Agents and brokers in banking services
55203Holiday cottages, homes and apartments
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.