Summary
Manomat 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 €2.1m and a net result of -€47,394. Equity is growing by ~10.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 5585 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
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
1 signal. The signal on the left, the evidence on the right.
○neutral
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 16-07-2026, 15 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
15 d early
2024
23 d early
2023
26 d early
2022
20 d early
2021
25 d early
2020
32 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 24 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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. Usually files around 8 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€2.1m▼ 2.2%
2024 · €2.2m
Net result
-€47,394
2024 · €42,057
Total assets
€2.1m▼ 3.5%
2024 · €2.2m
Solvency
99.4%▲ 1.3pp
2024 · 98.0%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€1,265€136,636€55,805▼ 59.2%€55,462▼ 0.6%-€34,653
Net result€112,278within the sector's middle half▼ 91.7%€698,462above the sector's middle half▲ 522%€38,142within the sector's middle half▼ 94.5%€42,057within the sector's middle half▲ 10.3%-€47,394below the sector's middle half
Equity€1.4mwithin the sector's middle half▲ 8.9%€2.1mabove the sector's middle half▲ 50.8%€2.1mabove the sector's middle half▲ 1.8%€2.2mwithin the sector's middle half▲ 2.0%€2.1mabove the sector's middle half▼ 2.2%
Total assets€2.2mwithin the sector's middle half▼ 9.8%€2.6mwithin the sector's middle half▲ 20.9%€2.4mwithin the sector's middle half▼ 8.0%€2.2mwithin the sector's middle half▼ 9.0%€2.1mwithin the sector's middle half▼ 3.5%
Debt€793,524▼ 30.4%€548,908▼ 30.8%€301,990▼ 45.0%€42,979▼ 85.8%€13,673▼ 68.2%
Working capital-€60,763within the sector's middle half€383,073above the sector's middle half€161,787within the sector's middle half▼ 57.8%€203,844within the sector's middle half▲ 26.0%€156,449within the sector's middle half▼ 23.3%
Solvency63.4%within the sector's middle half▲ 10.9pp79.1%above the sector's middle half▲ 15.7pp87.5%above the sector's middle half▲ 8.4pp98.0%above the sector's middle half▲ 10.6pp99.4%above the sector's middle half▲ 1.3pp
Current ratio0.78within the sector's middle half▼ 0.422.32within the sector's middle half▲ 1.541.54within the sector's middle half▼ 0.795.74above the sector's middle half▲ 4.2112.44above the sector's middle half▲ 6.70
Return on assets (ROA)5.2%within the sector's middle half▼ 51.2pp26.6%above the sector's middle half▲ 21.5pp1.6%within the sector's middle half▼ 25.1pp1.9%within the sector's middle half▲ 0.3pp-2.2%below the sector's middle half▼ 4.1pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €34,653 after €55,462 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.1m
Fixed assets
€2.0m =
Current assets
€170,123 ▼ 31.1%
Equity and liabilities €2.1m
Equity
€2.1m ▼ 2.2%
Debt
€13,673 ▼ 68.2%
Debt's share of the balance-sheet total falls from 2.0% to 0.6%. Equity and debt are lower.
Key figures and ratios
ROE
-2.2%▼
2024 · 2.0%
Debt ≤ 1 year
€13,673▼
2024 · €42,979
Income taxes
€95▼
2024 · €10,308
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €479 | €994 | €1,092 | €1,108 | €1,143 | ▲ 3.1% |
| Gross operating margin9900 | -€787 | €137,630 | €56,897 | €56,570 | -€33,511 | ▼ 159% |
| Operating profit (loss)9901 | -€1,265 | €136,636 | €55,805 | €55,462 | -€34,653 | ▼ 162% |
| Financial income75/76B | €110,747 | €600,250 | €0 | €0 | €9,667 | ▲ 16,110,950% |
| Recurring financial income75 | €110,747 | €600,250 | €0 | €0 | €9,667 | ▲ 16,110,950% |
| Financial charges65/66B | -€2,944 | €12,676 | €7,965 | €3,097 | €22,312 | ▲ 620% |
| Recurring financial charges65 | -€2,944 | €12,676 | €7,965 | €3,097 | €22,312 | ▲ 620% |
| Profit (loss) for the period before taxes9903 | €112,426 | €724,210 | €47,840 | €52,365 | -€47,299 | ▼ 190% |
| Income taxes67/77 | €147 | €25,748 | €9,698 | €10,308 | €95 | ▼ 99.1% |
| Profit (loss) for the period9904 | €112,278 | €698,462 | €38,142 | €42,057 | -€47,394 | ▼ 213% |
| Profit (loss) for the period to be appropriated9905 | €112,278 | €698,462 | €38,142 | €42,057 | -€47,394 | ▼ 213% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.2m | €2.6m | €2.4m | €2.2m | €2.1m | ▼ 3.5% |
| Fixed assets21/28 | €2.0m | €2.0m | €2.0m | €2.0m | €2.0m | = |
| Financial fixed assets28 | €2.0m | €2.0m | €2.0m | €2.0m | €2.0m | = |
| Current assets29/58 | €218,706 | €672,553 | €463,777 | €246,823 | €170,123 | ▼ 31.1% |
| Amounts receivable within one year40/41 | €186,641 | €655,402 | €453,192 | €214,359 | €158,781 | ▼ 25.9% |
| Trade receivables40 | €0 | - | €300 | €9,600 | €6,086 | ▼ 36.6% |
| Other amounts receivable41 | €186,641 | €655,402 | €452,892 | €204,759 | €152,695 | ▼ 25.4% |
| Current investments50/53 | €39 | €31 | €0 | - | - | - |
| Cash at bank and in hand54/58 | €28,276 | €17,120 | €10,586 | €32,464 | €11,342 | ▼ 65.1% |
| Deferred charges and accrued income490/1 | €3,750 | €0 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.2m | €2.6m | €2.4m | €2.2m | €2.1m | ▼ 3.5% |
| Equity10/15 | €1.4m | €2.1m | €2.1m | €2.2m | €2.1m | ▼ 2.2% |
| Contributions10/11 | €100,000 | €100,000 | €100,000 | €100,000 | €100,000 | = |
| Reserves13 | €1.3m | €2.0m | €2.0m | €2.1m | €2.0m | ▼ 2.3% |
| Distributable reserves133 | €1.3m | €2.0m | €2.0m | €2.1m | €2.0m | ▼ 2.3% |
| Profit (loss) carried forward14 | €0 | - | - | - | - | - |
| Amounts payable17/49 | €793,524 | €548,908 | €301,990 | €42,979 | €13,673 | ▼ 68.2% |
| Amounts payable after more than one year17 | €514,055 | €259,429 | €0 | - | - | - |
| Financial debts170/4 | €514,055 | €259,429 | €0 | - | - | - |
| Amounts payable within one year42/48 | €279,469 | €289,480 | €301,990 | €42,979 | €13,673 | ▼ 68.2% |
| Current portion of amounts payable after more than one year42 | €249,913 | €254,626 | €259,429 | €0 | - | - |
| Financial debts43 | €0 | - | - | - | - | - |
| Credit institutions430/8 | €0 | - | - | - | - | - |
| Trade debts44 | €9,286 | €194 | €8 | €507 | €1,261 | ▲ 149% |
| Suppliers440/4 | €9,286 | €194 | €8 | €507 | €1,261 | ▲ 149% |
| Taxes, remuneration and social security45 | €20,264 | €12,896 | €12,443 | €22,696 | €1,495 | ▼ 93.4% |
| Taxes450/3 | €11,721 | €4,318 | €12,443 | €13,837 | €1,495 | ▼ 89.2% |
| Remuneration and social security454/9 | €8,543 | €8,579 | €0 | €8,859 | €0 | ▼ 100% |
| Other amounts payable47/48 | €6 | €21,762 | €30,111 | €19,776 | €10,917 | ▼ 44.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €112,278 | €698,462 | €38,142 | €42,057 | -€47,394 | ▼ 213% |
| Operating cash flow (approximation) | €112,278 | €698,462 | €38,142 | €42,057 | -€47,394 | ▼ 213% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€11,155 | -€6,535 | €21,879 | -€21,122 | ▼ 197% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet -€47,394
Net result drops to -€47,394, the lowest in the series.
31-12
Financial
Liquidity doublescurrent ratio 12.44
Current ratio from 5.74 to 12.44; short-term debt falls from €42,979 to €13,673.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity quadruplescurrent ratio 5.74
Current ratio from 1.54 to 5.74; short-term debt falls from €301,990 to €42,979.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity triplescurrent ratio 2.32
Current ratio from 0.78 to 2.32.
31-12
Financial
Equity above €2mEq €2.1m ▲50.8%
3 profitable years in a row build equity to €2.1m.
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2019
Ground area
7,849 m²
Building footprint
218 m²
Volume, LiDAR
1,311 m³
Parcel 46009C0201/00G000, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Manomat
since 20192.298.122.911
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46009C0201/00G000 | Flanders | 7,849 m² | 1 · 218 m² | 9.6 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 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
100%
According to the 2025 annual accounts of Manomat 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 24,728 companies in sector 64210 we hold annual accounts for 19,805. 10,786 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
Founded12-12-2019
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0739516716
Also
9925:BE0739516716
Registered
04-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.