MAR-OL SPRL
ActiveThe computed 12-month bankruptcy probability of MAR-OL SPRL is 2.4% (moderate). The 2024 annual accounts show equity of €99k and a net result of €78k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 71% of 18942 sector peers (fiscal year 2024). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+71
Solvency79▲+17
Growth78=
Track record100
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.06 against 0.91 in 2023; short-term debt: 45.6% and cash: 0.2% of total assets), and 45.6% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
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 · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €99k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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
not confirmed
2024
29 d late
2023
50 d late
2022
31 d late
2021
24 d late
2020
146 d late
2019
280 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€27k
EBIT margin
12.3%
Net result
€78k
2023 · €-2k
2018: €-11k
2019: €3k
2020: €3k
2021: €25k
2022: €144
2023: €-2k
2018 → 2024
Working capital
€88k
2023 · €-2k
2018: €-23k
2019: €-18k
2020: €-14k
2021: €-2k
2022: €-3k
2023: €-2k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€27k-
Equity€-13k-€12k€13k▲ 1.2%€10k▼ 17.0%€99k▲ 848%
Operating result€3k-€16k▲ 372%€1k▼ 92.8%€-1k€106k
Net result€3k-€25k▲ 709%€144▼ 99.4%€-2k€78k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €106k after a loss of €1k in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €181k
Fixed assets
€11k▼ 11.1%
Current assets
€171k▲ 962%
Equity and liabilities €181k
Equity
€99k▲ 848%
Debt
€83k▲ 366%
The debt ratio falls from 63.0% to 45.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€110k▲
2023 · €3k
Cash flow
€82k▲
2023 · €2k
Solvency
54.4%▲
2023 · 37.0%
Current ratio
2.06▲
2023 · 0.91
Quick ratio
2.04▲
2023 · 0.82
Debt / equity
0.84▼
2023 · 1.70
ROE
79.2%▲
2023 · -20.5%
ROA
43.1%▲
2023 · -7.6%
Interest coverage
28.05▲
2023 · 2.42
Debt
€83k▲
2023 · €18k
Debt ≤ 1 year
€83k▲
2023 · €18k
Income taxes
€31k▲
2023 · €200
Staff costs
€2k▲
2023 · €486
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€28k€181k▲
Fixed assets21/28€12k€11k▼
Tangible fixed assets22/27€11k€9k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€8k€7k▼
Other tangible fixed assets26-€752
Financial fixed assets28€1k€1k=
Current assets29/58€16k€171k▲
Amounts receivable after more than one year29-€167k
Other amounts receivable291-€167k
Stocks and contracts in progress3€2k€2k▲
Stocks30/36€2k€2k▲
Amounts receivable within one year40/41€6k€1k▼
Other amounts receivable41€6k€1k▼
Cash at bank and in hand54/58€7k€377▼
Deferred charges and accrued income490/1€1k€236▼
Equity and liabilities
Total equity and liabilities10/49€28k€181k▲
Equity10/15€10k€99k▲
Contributions10/11€6k€6k=
Reserves13€6k€92k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€4k€91k▲
Profit (loss) carried forward14€-2k-
Amounts payable17/49€18k€83k▲
Amounts payable within one year42/48€18k€83k▲
Trade debts44€2k€7k▲
Suppliers440/4€2k€7k▲
Taxes, remuneration and social security45€16k€76k▲
Taxes450/3€16k€76k▲
Income statement
Code20232024
Remuneration, social security and pensions62€486€2k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€4k€10k▲
Gross operating margin9900€7k€122k▲
Operating profit (loss)9901€-1k€106k▲
Financial income75/76B€327€7k▲
Recurring financial income75€327€7k▲
Financial charges65/66B€1k€4k▲
Recurring financial charges65€1k€4k▲
Profit (loss) for the period before taxes9903€-2k€109k▲
Income taxes67/77€200€31k▲
Profit (loss) for the period9904€-2k€78k▲
Profit (loss) for the period to be appropriated9905€-2k€78k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€78k▲
Transfer from equity791/2€469-
Transfer to equity691/2-€57k
To other reserves6921-€57k
Profit to be distributed694/7-€21k
Directors or managers695-€21k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €78k
Net result €78k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 2.06
Current ratio from 0.91 to 2.06.
19-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 50 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
24-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 146 days late
07-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 280 days late
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
06-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 37 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
2016
22-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Brussel · 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.
Vossenstraat 1C1000 BrusselGround area
5,261 m²
Building footprint
5,352 m²
Volume, LiDAR
75,252 m³
2 parcels, Brussels · tallest building 23.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
MAR-OL-SPRL
since 20062.173.624.894
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21809K0959/02B000 | Brussels | 5,064 m² | 1 · 5,183 m² | 23.4 m · 5 fl. |
| 21809K1126/00B000indicative | Brussels | 197 m² | 1 · 169 m² | 15.6 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels 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 siteBrussel2.173.624.894
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 7,845 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded06-12-2005
Fiscal year end31-12
Activities, NACEBEL
55302
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 19 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.