Mar-Jan
ActiveThe computed 12-month bankruptcy probability of Mar-Jan is 1.6% (moderate). The 2025 annual accounts show equity of €24k and a net result of €2k. Equity is growing by ~18.3% per year across the filed fiscal years. Its solvency ranks better than 78% of 18237 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+11
Solvency93▲+19
Growth82=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 6.36 against 2.46 in 2024; short-term debt: 15.1% and cash: 3% of total assets), and 32.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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
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
67.7%
Return on assets
7.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
3 d early
2023
24 d late
2022
8 d late
2021
26 d late
2020
30 d late
2019
31 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€185k▼ 9.7%
2021 · €204k
2018: €99k
2019: €158k
2020: €202k
2021: €204k
2018 → 2022
EBIT margin
0.9%▼ 1.3pp
2021 · 2.1%
2018: -3.1%
2019: -0.1%
2020: 0.8%
2021: 2.1%
2018 → 2022
Net result
€2k
2024 · €-500
2018: €-4k
2019: €-484
2020: €1k
2021: €4k
2022: €1k
2023: €1k
2024: €-500
2018 → 2025
Working capital
€28k▲ 22.2%
2024 · €23k
2018: €-1k
2019: €-2k
2020: €320
2021: €44
2022: €11k
2023: €21k
2024: €23k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€204k-€185k▼ 9.7%
Equity€19k-€20k▲ 5.6%€22k▲ 6.5%€21k▼ 3.1%€24k▲ 11.7%
Operating result€4k-€2k▼ 63.3%€2k▲ 17.6%€-455€3k
Net result€4k-€1k▼ 71.6%€1k▲ 23.3%€-500€2k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €3k after a loss of €455 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €35k
Fixed assets
€1k▼ 65.4%
Current assets
€33k▼ 14.0%
Equity and liabilities €35k
Equity
€24k▲ 11.7%
Debt
€11k▼ 48.4%
The debt ratio falls from 50.8% to 32.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€6k▲
2024 · €2k
Cash flow
€5k▲
2024 · €2k
Solvency
67.7%▲
2024 · 49.2%
Current ratio
6.36▲
2024 · 2.46
Quick ratio
0.20▲
2024 · 0.07
Debt / equity
0.48▼
2024 · 1.03
ROE
10.4%▲
2024 · -2.4%
ROA
7.1%▲
2024 · -1.2%
Interest coverage
74.67▲
2024 · 48.72
Debt
€11k▼
2024 · €22k
Debt ≤ 1 year
€5k▼
2024 · €16k
Debt > 1 year
€6k=
2024 · €6k
Income taxes
€615
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€43k€35k▼
Fixed assets21/28€4k€1k▼
Intangible fixed assets21€1k€1k=
Tangible fixed assets22/27€3k-
Plant, machinery and equipment23€664-
Furniture and vehicles24€2k-
Current assets29/58€39k€33k▼
Stocks and contracts in progress3€38k€32k▼
Stocks30/36€38k€32k▼
Cash at bank and in hand54/58€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€43k€35k▼
Equity10/15€21k€24k▲
Contributions10/11€16k€16k=
Reserves13€2k€2k=
Non-distributable reserves130/1€865€865=
Reserves not available under the articles1311€865€865=
Distributable reserves133€667€667=
Profit (loss) carried forward14€3k€6k▲
Amounts payable17/49€22k€11k▼
Amounts payable after more than one year17€6k€6k=
Financial debts170/4€6k€6k=
Amounts payable within one year42/48€16k€5k▼
Trade debts44€7k€814▼
Suppliers440/4€7k€814▼
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Other amounts payable47/48€6k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Other operating charges640/8€685€619▼
Gross operating margin9900€3k€6k▲
Operating profit (loss)9901€-455€3k▲
Financial charges65/66B€45€78▲
Recurring financial charges65€45€78▲
Profit (loss) for the period before taxes9903€-500€3k▲
Income taxes67/77-€615
Profit (loss) for the period9904€-500€2k▲
Profit (loss) for the period to be appropriated9905€-500€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€6k▲
Profit (loss) brought forward from the previous period14P€4k€3k▼
Profit to be distributed694/7€179-
Return on contributions (dividend)694€179-
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 6.36
Current ratio from 2.46 to 6.36; short-term debt falls from €16k to €5k.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 24 days late
2023
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Highest result since 2018net €4k ▲163%
Operating result €4k, net result €4k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €1k
Net result €1k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
25-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 86 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 28 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Watermaal-Bosvoorde · 2 establishment units since 2011
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.
La Brise(Dreef) 281170 Watermaal-BosvoordeGround area
176 m²
Building footprint
105 m²
Volume, LiDAR
1,054 m³
Parcel 21017D0054/00X004, Brussels · tallest building 14.1 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Mar-Jan
since 20112.202.315.912
Mar-Jan
since 20112.204.235.819
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21017D0054/00X004 | Brussels | 176 m² | 1 · 105 m² | 14.1 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via establishment units: 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 siteWatermaal-Bosvoorde2.204.235.819
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Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 4,264 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded04-05-2011
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.