Maison Marie-Louise
ActiveSummary
Maison Marie-Louise has been active since 1970 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €674k and a net result of €25k. Equity is shrinking by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 54% of 4157 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▲+2
Solvency64=
Growth32=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 1.86 against 1.69 in 2024; short-term debt: 39.7% and cash: 34.3% of total assets), but 60.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young 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 47
Relative position
BE, all sectors
reference
Sector 47
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
39.2%
Return on assets
1.4%
Age of the figures
9 mo
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 19-03-2026, 134 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
134 d early
2024
231 d late
2023
62 d early
2015
80 d early
2014
95 d late
2013
71 d early
2012
51 d early
← 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, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€25k▲ 185%
2024 · €9k
2023: €45k
2024: €9k
2023 → 2025
Working capital
€586k▲ 12.1%
2024 · €523k
2023: €761k
2024: €523k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€711k-€682k▼ 4.0%€674k▼ 1.2%
Operating result€-14k-€-44k▼ 216%€-16k▲ 64.1%
Net result€45k-€9k▼ 80.6%€25k▲ 185%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €16k in 2025 against €44k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.72M
Fixed assets
€452k ▼ 1.7%
Current assets
€1.27M ▼ 0.5%
Equity and liabilities €1.72M
Equity
€674k ▼ 1.2%
Provisions
€364k ▲ 21.1%
Debt
€684k ▼ 9.2%
Debt's share of the balance-sheet total falls from 43.4% to 39.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€58k▲
2024 · €24k
Cash flow
€99k▲
2024 · €76k
Current ratio
1.86▲
2024 · 1.69
Quick ratio
1.84▲
2024 · 1.67
Debt to equity
1.01▼
2024 · 1.10
ROE
3.7%▲
2024 · 1.3%
ROA
1.4%▲
2024 · 0.5%
Interest coverage
22.51▲
2024 · 6.13
Debt ≤ 1 year
€684k▼
2024 · €753k
Staff costs
€2.88M▼
2024 · €3.09M
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 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.74M€1.72M▼
Formation expenses20€0-
Fixed assets21/28€460k€452k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€454k€446k▼
Land and buildings22€347k€337k▼
Plant, machinery and equipment23€31k€12k▼
Furniture and vehicles24€77k€97k▲
Financial fixed assets28€6k€6k=
Current assets29/58€1.28M€1.27M▼
Stocks and contracts in progress3€17k€14k▼
Stocks30/36€17k€14k▼
Amounts receivable within one year40/41€341k€352k▲
Trade receivables40€910€2k▲
Other amounts receivable41€340k€350k▲
Current investments50/53€300k€300k=
Cash at bank and in hand54/58€618k€591k▼
Deferred charges and accrued income490/1€240€13k▲
Equity and liabilities
Total equity and liabilities10/49€1.74M€1.72M▼
Equity10/15€682k€674k▼
Contributions10/11€282k€335k▲
Capital10€282k€335k▲
Profit (loss) carried forward14€54k€25k▼
Investment grants15€347k€314k▼
Provisions and deferred taxes16€301k€364k▲
Provisions for liabilities and charges160/5€301k€364k▲
Major repairs and maintenance162€301k€364k▲
Amounts payable17/49€753k€684k▼
Amounts payable within one year42/48€753k€684k▼
Trade debts44€60k€53k▼
Suppliers440/4€60k€53k▼
Advances received on contracts in progress46€37k€37k▼
Taxes, remuneration and social security45€425k€378k▼
Taxes450/3€13k-
Remuneration and social security454/9€411k€378k▼
Accrued charges and deferred income492/3€30€140▲
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€1.08M€1.09M▲
Remuneration, social security and pensions62€3.09M€2.88M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€67k€74k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€2k€875▼
Other operating charges640/8€35k€31k▼
Non-recurring operating charges66A€5k€18▼
Gross operating margin9900€2.93M€3.04M▲
Operating profit (loss)9901€-44k€-16k▲
Financial income75/76B€56k€43k▼
Recurring financial income75€5k€15k▲
Non-recurring financial income76B€51k€28k▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€9k€25k▲
Profit (loss) for the period9904€9k€25k▲
Profit (loss) for the period to be appropriated9905€9k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€54k€25k▼
Profit (loss) brought forward from the previous period14P€45k-
Social balance
Average headcount (FTE)908739.839.4▼
The notes to these accounts (9 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
22-09
State Gazette act
General meeting · Director reappointment
Director resignation · Board composition
19-03
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
19-03
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 231 days late
2024
31-12
Financial
Weakest financial yearnet €9k ▼80.6%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
30-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2016
12-05
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
2015
03-11
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 95 days late
2014
21-05
NBB filing
Annual accounts filed
fiscal year 2013 · full schema
2013
10-06
NBB filing
Annual accounts filed
fiscal year 2012 · full schema
2012
24-04
NBB filing
Annual accounts filed
fiscal year 2011 · full schema
2011
21-06
NBB filing
Annual accounts filed
fiscal year 2010 · full schema
2010
27-05
NBB filing
Annual accounts filed
fiscal year 2009 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
18 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, Verviers · 1 establishment unit since 2006
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 Sainte-Anne 204800 VerviersGround area
1,197 m²
Building footprint
85 m²
Volume, LiDAR
1,197 m³
Parcel 63572B0115/00L003, Wallonia · tallest building 16.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Maison Marie-Louise
since 20062.154.954.770
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63572B0115/00L003 | Wallonia | 1,197 m² | 1 · 85 m² | 16.4 m · 5 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteVerviers2.154.954.770
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FOLLOW-UP
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Of 949 companies in sector 47792 we hold annual accounts for 184. 98 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 formNon-profit association
Founded03-09-1970
Fiscal year end31-12
Activities, NACEBEL 2025
47792Retail sale of second-hand clothing
87992Residential care activities
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.