MANO-HOLDING 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 €251k and a net result of €69k. Its solvency ranks better than 12% of 2385 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
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2024, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 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 · 2 filingsDeviation from the deadline
2025
7 d late
2024
77 d early
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€251k▲ 37.9%
2024 · €182k
2024: €182k
2024 → 2025
Net result
€69k
2024 · €-8k
2024: €-8k
2024 → 2025
Total assets
€2.13M▲ 3.9%
2024 · €2.05M
2024: €2.05M
2024 → 2025
Solvency
11.7%▲ 2.9pp
2024 · 8.9%
2024: 8.9%
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€182k-€251k▲ 37.9%
Operating result€7k-€159k▲ 2,108%
Net result€-8k-€69k
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 2,108% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.13M
Fixed assets
€1.94M=
Current assets
€183k▲ 82.1%
Equity and liabilities €2.13M
Equity
€251k▲ 37.9%
Debt
€1.88M▲ 0.6%
The debt ratio falls from 91.1% to 88.3%. Equity and debt are higher.
Key figures and ratios
Solvency
11.7%▲
2024 · 8.9%
ROE
27.5%▲
2024 · -4.5%
ROA
3.2%▲
2024 · -0.4%
Debt
€1.88M▲
2024 · €1.87M
Debt ≤ 1 year
€310k▲
2024 · €197k
Debt > 1 year
€1.57M▼
2024 · €1.67M
Income taxes
€22k
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€2.05M€2.13M▲
Formation expenses20€9k€7k▼
Fixed assets21/28€1.94M€1.94M=
Financial fixed assets28€1.94M€1.94M=
Current assets29/58€100k€183k▲
Amounts receivable after more than one year29€648€0▼
Other amounts receivable291€648€0▼
Amounts receivable within one year40/41€72k€127k▲
Trade receivables40€72k€127k▲
Other amounts receivable41€23€324▲
Cash at bank and in hand54/58€27k€56k▲
Equity and liabilities
Total equity and liabilities10/49€2.05M€2.13M▲
Equity10/15€182k€251k▲
Contributions10/11€190k€190k=
Capital10€190k€190k=
Issued capital100€190k€190k=
Reserves13-€61k
Non-distributable reserves130/1-€19k
Legal reserve130-€19k
Distributable reserves133-€42k
Profit (loss) carried forward14€-8k€0▲
Amounts payable17/49€1.87M€1.88M▲
Amounts payable after more than one year17€1.67M€1.57M▼
Financial debts170/4€1.50M€1.35M▼
Other amounts payable178/9€179k€224k▲
Amounts payable within one year42/48€197k€310k▲
Current portion of amounts payable after more than one year42€117k€149k▲
Financial debts43-€9k
Other loans439-€9k
Trade debts44€35k€125k▲
Suppliers440/4€35k€125k▲
Taxes, remuneration and social security45€584€27k▲
Taxes450/3€584€27k▲
Other amounts payable47/48€45k€0▼
Accrued charges and deferred income492/3-€3k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€736€2k▲
Other operating charges640/8€387€400▲
Gross operating margin9900€8k€161k▲
Operating profit (loss)9901€7k€159k▲
Financial income75/76B€79€111▲
Recurring financial income75€79€111▲
Financial charges65/66B€15k€68k▲
Recurring financial charges65€15k€68k▲
Profit (loss) for the period before taxes9903€-8k€91k▲
Income taxes67/77-€22k
Profit (loss) for the period9904€-8k€69k▲
Profit (loss) for the period to be appropriated9905€-8k€69k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€61k▲
Profit (loss) brought forward from the previous period14P-€-8k
Transfer to equity691/2-€61k
To the legal reserve6920-€19k
To other reserves6921-€42k
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (20 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
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 7 days late
2025
31-12
Financial
Back to profitnet €69k
Net result €69k after one loss-making year.
31-12
Financial
Equity above €200kEq €251k ▲37.9%
Equity rises from €182k to €251k.
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Estaimpuis · 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.
Rue Jules Vantieghem (EV) 37730 EstaimpuisGround area
4.7 ha
Building footprint
3,370 m²
Volume, LiDAR
24,609 m³
Parcel 57028A0489/00F000, Wallonia · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MANO-HOLDING
since 20242.360.596.651
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57028A0489/00F000 | Wallonia | 4.7 ha | 1 · 3,370 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
PILAX
BE 1000.687.830
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Diederik Van der Sijpe
BE 0558.854.612
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Decophyf
BE 0695.642.626
Ledegem · Eq €251k
NORKA
BE 0891.641.519
Kortrijk · Eq €251k
SJG MANAGEMENT
BE 1002.408.886
Mons · Eq €251k
Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 13,654 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded20-06-2024
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.