Marai Liesbeth
ActiveSummary
Marai Liesbeth has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €42k and a net result of €27k. Equity is growing by ~18.5% per year across the filed fiscal years. Its solvency ranks better than 33% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency66▼-34
Growth52=
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 1.66 against 11.1 in 2024; short-term debt: 59% and cash: 76% of total assets), but 59% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
41%
Return on assets
26.5%
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 18-03-2026, 135 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
135 d early
2024
24 d early
2023
30 d early
2022
26 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, micro schema
Equity
€42k▼ 42.0%
2024 · €73k
2022: €38k
2023: €54k
2024: €73k
2022 → 2025
Total assets
€103k▲ 28.9%
2024 · €80k
2022: €52k
2023: €61k
2024: €80k
2022 → 2025
Net result
€27k▲ 37.3%
2024 · €20k
2022: €32k
2023: €17k
2024: €20k
2022 → 2025
Working capital
€40k▼ 44.7%
2024 · €72k
2022: €38k
2023: €53k
2024: €72k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€38k-€54k▲ 43.3%€73k▲ 35.6%€42k▼ 42.0%
Operating result€41k-€23k▼ 43.6%€27k▲ 16.3%€39k▲ 43.6%
Net result€32k-€17k▼ 47.3%€20k▲ 17.1%€27k▲ 37.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 44% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €103k
Fixed assets
€2k ▲ 256%
Current assets
€101k ▲ 27.1%
Equity and liabilities €103k
Equity
€42k ▼ 42.0%
Debt
€61k ▲ 752%
Debt's share of the balance-sheet total rises from 8.9% to 59.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€39k▲
2024 · €27k
Cash flow
€28k▲
2024 · €20k
Current ratio
1.66▼
2024 · 11.10
Debt to equity
1.44▲
2024 · 0.10
ROE
64.8%▲
2024 · 27.4%
ROA
26.5%▲
2024 · 24.9%
Interest coverage
21.27▲
2024 · 12.81
Debt ≤ 1 year
€61k▲
2024 · €7k
Income taxes
€10k▲
2024 · €6k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€80k€103k▲
Fixed assets21/28€642€2k▲
Tangible fixed assets22/27€642€2k▲
Plant, machinery and equipment23€642€431▼
Furniture and vehicles24-€2k
Current assets29/58€79k€101k▲
Amounts receivable within one year40/41€19k€14k▼
Trade receivables40€6k€0▼
Other amounts receivable41€13k€14k▲
Cash at bank and in hand54/58€58k€78k▲
Deferred charges and accrued income490/1€2k€9k▲
Equity and liabilities
Total equity and liabilities10/49€80k€103k▲
Equity10/15€73k€42k▼
Contributions10/11€6k€6k=
Reserves13€67k€36k▼
Distributable reserves133€67k€36k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€7k€61k▲
Amounts payable within one year42/48€7k€61k▲
Trade debts44€6k€2k▼
Suppliers440/4€6k€2k▼
Taxes, remuneration and social security45€162€590▲
Taxes450/3€162€590▲
Remuneration and social security454/9€0-
Other amounts payable47/48€833€58k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€211€632▲
Other operating charges640/8€351€1k▲
Gross operating margin9900€27k€40k▲
Operating profit (loss)9901€27k€39k▲
Financial income75/76B€834€871▲
Recurring financial income75€834€871▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€26k€38k▲
Income taxes67/77€6k€10k▲
Profit (loss) for the period9904€20k€27k▲
Profit (loss) for the period to be appropriated9905€20k€27k▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€27k▲
Transfer from equity791/2-€31k
Transfer to equity691/2€19k€0▼
To other reserves6921€19k€0▼
Profit to be distributed694/7€833€58k▲
Return on contributions (dividend)694€833€58k▲
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
Next filing, fiscal year 2026, expected by
2026
18-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €17k ▼47.3%
Net result drops to €17k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 8.24
Current ratio from 3.68 to 8.24; short-term debt falls from €14k to €7k.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Hasselt · 1 establishment unit since 2021
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.
Oude Truierbaan 753500 HasseltGround area
485 m²
Building footprint
105 m²
Volume, LiDAR
508 m³
Parcel 71052B0062/02B002, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Marai Liesbeth
since 20212.322.962.037
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71052B0062/02B002 | Flanders | 485 m² | 1 · 105 m² | 8.1 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 551 EUR awarded · 551 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 89 EUR | 89 EUR |
| 2024 | 1 | 186 EUR | 186 EUR |
| 2022 | 1 | 276 EUR | 276 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,686 companies in sector 86951 we hold annual accounts for 2,142. 1,951 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 formPrivate limited company
Founded14-10-2021
Fiscal year end31-12
Activities, NACEBEL 2025
86951Physiotherapy
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.