MARAITE Lothar
InactiveNo longer registered with the KBO since 12-05-2026; last annual accounts for fiscal year 2025.
Signals
Three signals. 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 02-02-2026, 179 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
179 d early
2024
30 d early
2023
13 d late
2022
76 d early
2021
41 d early
2020
39 d early
2019
83 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, unclassified schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€804k▲ 202%
2024 · €266k
2018: €73k
2019: €58k
2020: €66k
2021: €184k
2022: €204k
2023: €200k
2024: €266k
2018 → 2025
Working capital
€2.01M▲ 83.4%
2024 · €1.10M
2018: €125k
2019: €203k
2020: €246k
2021: €425k
2022: €630k
2023: €832k
2024: €1.10M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€537k-€740k▲ 37.9%€939k▲ 26.8%€1.20M▲ 28.2%€2.01M▲ 66.7%
Operating result€256k-€300k▲ 17.2%€288k▼ 4.0%€368k▲ 27.7%€942k▲ 156%
Net result€184k-€204k▲ 10.8%€200k▼ 2.3%€266k▲ 33.3%€804k▲ 202%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 156% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €2.04M
Equity
€2.01M▲ 66.7%
Debt
€35k▼ 18.2%
The debt ratio falls from 3.5% to 1.7%: equity grows while debt is paid down.
Key figures and ratios
Solvency
98.3%▲
2024 · 96.5%
Current ratio
60.96▲
2024 · 26.81
Quick ratio
60.96▲
2024 · 26.81
Debt / equity
0.02▼
2024 · 0.04
ROE
40.1%▲
2024 · 22.1%
ROA
39.4%▲
2024 · 21.3%
Debt
€35k▼
2024 · €43k
Debt ≤ 1 year
€34k▼
2024 · €42k
Income taxes
€168k▲
2024 · €125k
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€1.25M€2.04M▲
Fixed assets21/28€109k-
Tangible fixed assets22/27€2k-
Furniture and vehicles24€2k-
Financial fixed assets28€107k-
Current assets29/58€1.14M€2.04M▲
Amounts receivable within one year40/41€247€20k▲
Other amounts receivable41€247€20k▲
Current investments50/53€75k€75k=
Cash at bank and in hand54/58€1.06M€1.94M▲
Deferred charges and accrued income490/1-€6k
Equity and liabilities
Total equity and liabilities10/49€1.25M€2.04M▲
Equity10/15€1.20M€2.01M▲
Contributions10/11€25k€25k=
Reserves13€1.18M€1.98M▲
Non-distributable reserves130/1€9k€9k=
Reserves not available under the articles1311€9k€9k=
Distributable reserves133€1.17M€1.97M▲
Amounts payable17/49€43k€35k▼
Amounts payable within one year42/48€42k€34k▼
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€18k€726▼
Taxes450/3€18k€726▼
Other amounts payable47/48€22k€31k▲
Accrued charges and deferred income492/3€779€2k▲
Income statement
Code20242025
Non-recurring operating income76A-€627k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€573-
Other operating charges640/8€1k€2k▲
Gross operating margin9900€370k€945k▲
Operating profit (loss)9901€368k€942k▲
Financial income75/76B€24k€36k▲
Recurring financial income75€24k€36k▲
Financial charges65/66B€873€6k▲
Recurring financial charges65€873€6k▲
Profit (loss) for the period before taxes9903€391k€972k▲
Income taxes67/77€125k€168k▲
Profit (loss) for the period9904€266k€804k▲
Profit (loss) for the period to be appropriated9905€266k€804k▲
Appropriation of the result
Profit (loss) to be appropriated9906€266k€804k▲
Transfer to equity691/2€265k€803k▲
To other reserves6921€265k€803k▲
Profit to be distributed694/7€950€950=
Return on contributions (dividend)694€950€950=
The notes to these accounts (4 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
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · unclassified schema
2025
31-12
Financial
Highest result since 2018net €804k ▲202%
Operating result €942k, net result €804k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 60.96
Current ratio from 26.81 to 60.96; short-term debt falls from €42k to €34k.
31-12
Financial
Equity above €2MEq €2.01M ▲66.7%
8 profitable years in a row build equity to €2.01M.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema
2024
31-12
Financial
Equity above €1MEq €1.20M ▲28.2%
7 profitable years in a row build equity to €1.20M.
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema · 13 days late
2023
31-12
Financial
Liquidity quadruplescurrent ratio 68.19
Current ratio from 15.45 to 68.19; short-term debt falls from €44k to €12k.
16-05
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema
2021
31-12
Financial
Liquidity quadruplescurrent ratio 12.81
Current ratio from 3.60 to 12.81; short-term debt falls from €95k to €36k.
31-12
Financial
Equity above €500kEq €537k ▲51.9%
4 profitable years in a row build equity to €537k.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · unclassified schema
2020
09-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €58k ▼20.5%
Net result drops to €58k, the lowest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
03-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 3 days late
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Recognitions · licences · registrations
Legal Entity Identifier
89450041NT41V4MPHM67
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded23-12-1996
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filings
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.