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MADÉRIS

Active Risk: not assessed
Private limited companyfounded 20251 yr activeLes Couves 1, 4890 Thimister-Clermont, BelgiumKBO/BCE: BE 1027.182.092
Summary

MADÉRIS 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 €3,410 and a net result of €1,243. Its solvency ranks better than 11% of 66 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.

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MADÉRISActive
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Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals

Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 66 sector peers (2025).
NBB · sector comparison
Position among 66 sector peers
Solvency
better than 11%
← weakest strongest →
raises risk · Young company
Founded in 2025, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 filing
Deviation from the deadline
2025
28 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 3 September 2025, MADÉRIS was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€3,410
Net result
€1,243
Total assets
€65,018
Solvency
5.2%

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €65,018
Fixed assets €57,815
Current assets €7,203
Equity and liabilities €65,018
Equity €3,410
Debt €61,608
Debt finances 94.8% of the balance-sheet total.
Key figures and ratios
2025 value
ROE
36.4%
ROA
1.9%
Debt ≤ 1 year
€3,793
Debt > 1 year
€57,815
Income taxes
€1,418
Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 32 lines
Balance sheet Code2025
Assets
Total assets20/58€65,018
Fixed assets21/28€57,815
Financial fixed assets28€57,815
Current assets29/58€7,203
Amounts receivable within one year40/41€4,500
Trade receivables40€4,500
Cash at bank and in hand54/58€2,703
Equity and liabilities
Total equity and liabilities10/49€65,018
Equity10/15€3,410
Contributions10/11€3,000
Profit (loss) carried forward14€410
Amounts payable17/49€61,608
Amounts payable after more than one year17€57,815
Financial debts170/4€57,815
Amounts payable within one year42/48€3,793
Trade debts44€434
Suppliers440/4€434
Taxes, remuneration and social security45€2,525
Taxes450/3€2,525
Other amounts payable47/48€833
Income statement Code2025
Other operating charges640/8€804
Gross operating margin9900€3,488
Operating profit (loss)9901€2,684
Financial charges65/66B€24
Recurring financial charges65€24
Profit (loss) for the period before taxes9903€2,660
Income taxes67/77€1,418
Profit (loss) for the period9904€1,243
Profit (loss) for the period to be appropriated9905€1,243
Appropriation of the result
Profit (loss) to be appropriated9906€1,243
Profit to be distributed694/7€833
Return on contributions (dividend)694€833

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Other operating charges640/8€804
Gross operating margin9900€3,488
Operating profit (loss)9901€2,684
Financial charges65/66B€24
Recurring financial charges65€24
Profit (loss) for the period before taxes9903€2,660
Income taxes67/77€1,418
Profit (loss) for the period9904€1,243
Profit (loss) for the period to be appropriated9905€1,243
Line2025
Assets
Total assets20/58€65,018
Fixed assets21/28€57,815
Financial fixed assets28€57,815
Current assets29/58€7,203
Amounts receivable within one year40/41€4,500
Trade receivables40€4,500
Cash at bank and in hand54/58€2,703
Equity and liabilities
Total equity and liabilities10/49€65,018
Equity10/15€3,410
Contributions10/11€3,000
Profit (loss) carried forward14€410
Amounts payable17/49€61,608
Amounts payable after more than one year17€57,815
Financial debts170/4€57,815
Amounts payable within one year42/48€3,793
Trade debts44€434
Suppliers440/4€434
Taxes, remuneration and social security45€2,525
Taxes450/3€2,525
Other amounts payable47/48€833
Line2025
Profit (loss) for the period9904€1,243
Operating cash flow (approximation)€1,243

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
28-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
NBB filing

Directors · office · real estate

Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Thimister-Clermont · 1 establishment unit since 2025
seat establishment The establishment unit on the map
Ground area
2,647 m²
Building footprint
241 m²
Volume, LiDAR
1,638 m³
Parcel 63017B0420/00D000, Wallonia · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
MADÉRIS
Les Couves 1, 4890 Thimister-ClermontInsurance agents and brokers
since 20252.378.610.541
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
63017B0420/00D000 Wallonia 2,646 m² 1 · 241 m² 8.8 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Structure & network

Owners and holdings

1 holding

Owners 0

The accounts to 31-12-2025 list no shareholders, and no other source names one.

Holdings 1

According to the 2025 annual accounts of MADÉRIS and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

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Of 128 companies in sector 65122 we hold annual accounts for 59. 7 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded03-09-2025
Fiscal year end31-12
Activities, NACEBEL 2025
65122Insurance, reinsurance and pension funding, except compulsory social security
E-invoicing
Reachable via Peppol
Peppol ID 0208:1027182092
Registered 22-11-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

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