Maraud
ActiveSummary
Maraud has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €166,778 and a net result of €118,778. Equity is growing by ~8.1% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100=
Solvency100▲+61
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15,000 at 30 days acceptable
Liquidity ample (current ratio 10.41 against 1.18 in 2023; short-term debt: 9.4% and cash: 94.2% of total assets), and 16.2% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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 2024Solvency, return and age of the figures
Solvency
83.8%
Return on assets
59.7%
Age of the figures
21 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 29-06-2026, 32 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
32 d early
2024
43 d early
2023
42 d early
2022
25 d late
2021
40 d early
2020
39 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 29 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% 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 21 June (4 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
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Public money How does this company compare with its sector?Sector benchmark
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
Equity
€166,778▲ 247%
2023 · €48,000
Total assets
€199,036▼ 41.8%
2023 · €342,273
Net result
€118,778▲ 26.7%
2023 · €93,772
Working capital
€176,024▲ 243%
2023 · €51,253
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€107,256-€123,943▲ 15.6%€133,735▲ 7.9%€126,754▼ 5.2%€164,626▲ 29.9%
Net result€82,167above the sector's middle half-€90,955above the sector's middle half▲ 10.7%€103,089above the sector's middle half▲ 13.3%€93,772above the sector's middle half▼ 9.0%€118,778above the sector's middle half▲ 26.7%
Equity€84,367within the sector's middle half-€174,522within the sector's middle half▲ 107%€276,811above the sector's middle half▲ 58.6%€48,000within the sector's middle half▼ 82.7%€166,778within the sector's middle half▲ 247%
Total assets€121,842within the sector's middle half-€214,894within the sector's middle half▲ 76.4%€305,601within the sector's middle half▲ 42.2%€342,273within the sector's middle half▲ 12.0%€199,036within the sector's middle half▼ 41.8%
Debt€37,475-€40,372▲ 7.7%€28,790▼ 28.7%€294,273▲ 922%€32,258▼ 89.0%
Working capital€84,528within the sector's middle half-€174,060above the sector's middle half▲ 106%€277,492above the sector's middle half▲ 59.4%€51,253within the sector's middle half▼ 81.5%€176,024above the sector's middle half▲ 243%
Solvency69.2%within the sector's middle half-81.2%above the sector's middle half▲ 12.0pp90.6%above the sector's middle half▲ 9.4pp14.0%below the sector's middle half▼ 76.6pp83.8%above the sector's middle half▲ 69.8pp
Current ratio3.36within the sector's middle half-5.48above the sector's middle half▲ 2.1211.22above the sector's middle half▲ 5.741.18within the sector's middle half▼ 10.0510.41above the sector's middle half▲ 9.23
Return on assets (ROA)67.4%above the sector's middle half-42.3%above the sector's middle half▼ 25.1pp33.7%above the sector's middle half▼ 8.6pp27.4%within the sector's middle half▼ 6.3pp59.7%above the sector's middle half▲ 32.3pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 30% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €199,036
Fixed assets
€4,308 ▲ 45.9%
Current assets
€194,729 ▼ 42.6%
Equity and liabilities €199,036
Equity
€166,778 ▲ 247%
Debt
€32,258 ▼ 89.0%
Debt's share of the balance-sheet total falls from 86.0% to 16.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€166,260▲
2023 · €127,330
Cash flow
€120,412▲
2023 · €94,348
Debt to equity
0.19▼
2023 · 6.13
ROE
71.2%▼
2023 · 195.4%
Interest coverage
13.41▼
2023 · 24.12
Debt ≤ 1 year
€18,705▼
2023 · €288,069
Income taxes
€37,891▲
2023 · €27,709
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,975 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,592 | €598 | €711 | €576 | €1,634 | ▲ 184% |
| Other operating charges640/8 | - | €598 | €823 | €643 | €679 | ▲ 5.6% |
| Gross operating margin9900 | €110,441 | €125,138 | €135,269 | €127,972 | €166,939 | ▲ 30.4% |
| Operating profit (loss)9901 | €107,256 | €123,943 | €133,735 | €126,754 | €164,626 | ▲ 29.9% |
| Financial income75/76B | - | €10 | €9 | €6 | €4,437 | ▲ 79,992% |
| Recurring financial income75 | €50 | €10 | €9 | €6 | €4,437 | ▲ 79,992% |
| Financial charges65/66B | - | €1,151 | €1,007 | €5,278 | €12,394 | ▲ 135% |
| Recurring financial charges65 | €1,204 | €1,151 | €1,007 | €5,278 | €12,394 | ▲ 135% |
| Profit (loss) for the period before taxes9903 | €106,101 | €122,802 | €132,736 | €121,481 | €156,669 | ▲ 29.0% |
| Income taxes67/77 | €23,934 | €31,847 | €29,647 | €27,709 | €37,891 | ▲ 36.7% |
| Profit (loss) for the period9904 | €82,167 | €90,955 | €103,089 | €93,772 | €118,778 | ▲ 26.7% |
| Profit (loss) for the period to be appropriated9905 | €82,167 | €90,955 | €103,089 | €93,772 | €118,778 | ▲ 26.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €121,842 | €214,894 | €305,601 | €342,273 | €199,036 | ▼ 41.8% |
| Fixed assets21/28 | €1,507 | €1,978 | €967 | €2,952 | €4,308 | ▲ 45.9% |
| Tangible fixed assets22/27 | €1,207 | €1,678 | €967 | €2,952 | €4,308 | ▲ 45.9% |
| Furniture and vehicles24 | - | €1,678 | €967 | €2,952 | €4,308 | ▲ 45.9% |
| Financial fixed assets28 | €300 | €300 | - | - | - | - |
| Current assets29/58 | €120,335 | €212,916 | €304,634 | €339,322 | €194,729 | ▼ 42.6% |
| Amounts receivable after more than one year29 | - | - | - | €2,500 | €2,500 | = |
| Trade receivables290 | - | - | - | €2,500 | €2,500 | = |
| Amounts receivable within one year40/41 | €41,339 | €44,865 | €49,395 | €51,696 | €3,273 | ▼ 93.7% |
| Trade receivables40 | - | €44,863 | €49,184 | €48,400 | €351 | ▼ 99.3% |
| Other amounts receivable41 | - | €3 | €211 | €3,296 | €2,922 | ▼ 11.4% |
| Cash at bank and in hand54/58 | €76,488 | €167,715 | €253,275 | €283,637 | €187,455 | ▼ 33.9% |
| Deferred charges and accrued income490/1 | - | €336 | €1,964 | €1,488 | €1,500 | ▲ 0.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €121,842 | €214,894 | €305,601 | €342,273 | €199,036 | ▼ 41.8% |
| Equity10/15 | €84,367 | €174,522 | €276,811 | €48,000 | €166,778 | ▲ 247% |
| Contributions10/11 | - | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Reserves13 | €81,367 | €171,522 | €171,522 | €45,000 | €163,778 | ▲ 264% |
| Distributable reserves133 | - | €171,522 | €171,522 | €45,000 | €163,778 | ▲ 264% |
| Profit (loss) carried forward14 | - | - | €102,289 | - | - | - |
| Amounts payable17/49 | €37,475 | €40,372 | €28,790 | €294,273 | €32,258 | ▼ 89.0% |
| Amounts payable within one year42/48 | €35,807 | €38,856 | €27,142 | €288,069 | €18,705 | ▼ 93.5% |
| Financial debts43 | - | - | - | - | €2,071 | - |
| Credit institutions430/8 | - | - | - | - | €2,071 | - |
| Trade debts44 | €400 | €617 | €1,242 | €718 | €912 | ▲ 27.1% |
| Suppliers440/4 | - | €617 | €1,242 | €718 | €912 | ▲ 27.1% |
| Taxes, remuneration and social security45 | - | €34,778 | €24,137 | €14,097 | €15,472 | ▲ 9.8% |
| Taxes450/3 | - | €34,778 | €24,137 | €14,097 | €15,472 | ▲ 9.8% |
| Other amounts payable47/48 | - | €3,460 | €1,763 | €273,254 | €249 | ▼ 99.9% |
| Accrued charges and deferred income492/3 | - | €1,516 | €1,648 | €6,205 | €13,554 | ▲ 118% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €82,167 | €90,955 | €103,089 | €93,772 | €118,778 | ▲ 26.7% |
| + Depreciation and write-downs630 | €2,592 | €598 | €711 | €576 | €1,634 | ▲ 184% |
| Operating cash flow (approximation) | €84,759 | €91,553 | €103,800 | €94,348 | €120,412 | ▲ 27.6% |
| Investment in fixed assets (approximation) | - | -€1,069 | €300 | -€2,561 | -€2,990 | ▼ 16.8% |
| Change in cash | - | €91,227 | €85,560 | €30,362 | -€96,182 | ▼ 417% |
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
11-09
State Gazette act
Board meeting · Correction
Power of attorney · Permanent representative
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
22-05
State Gazette act
General meeting · Director resignation
Director appointment · Power of attorney
2025
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €118,778 ▲26.7%
Operating result €164,626, net result €118,778, both a record.
31-12
Financial
Liquidity times 9current ratio 10.41
Current ratio from 1.18 to 10.41; short-term debt falls from €288,069 to €18,705.
31-12
Financial
Equity above €150,000Eq €166,778 ▲247%
5 profitable years in a row build equity to €166,778.
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 11.22
Current ratio from 5.48 to 11.22; short-term debt falls from €38,856 to €27,142.
31-12
Financial
Equity above €200,000Eq €276,811 ▲58.6%
3 profitable years in a row build equity to €276,811.
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150,000Eq €174,522 ▲107%
2 profitable years in a row build equity to €174,522.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Nazareth-De Pinte · 1 establishment unit since 2019
Ground area
660 m²
Building footprint
143 m²
Volume, LiDAR
752 m³
Parcel 44012B0132/00N000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Maraud
since 20192.293.665.661
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44012B0132/00N000 | Flanders | 660 m² | 1 · 143 m² | 7.8 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 3,656 EUR awarded · 3,656 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 3,656 EUR | 3,656 EUR |
Similar companies · same sector, comparable size
TECH-TEAM
BE 1008.200.776
Brakel · Eq €166,779
Nextstep Innovation
BE 1003.744.617
Oostende · Eq €166,770
Yannick Schroeyen
BE 0790.513.079
Geel · Eq €166,767
TMC2
BE 0561.767.085
Leuven · Eq €166,803
FRAPPANT
BE 0834.237.117
Beringen · Eq €166,743
Of 82,641 companies in sector 70200 we hold annual accounts for 52,636. 40,732 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
Founded26-09-2019
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
82990Other business support services
Contact
E-mail
diederik.bracke@icloud.comNazareth-De Pinte
E-invoicing
Reachable via Peppol
Peppol ID
0208:0734929309
Also
9925:BE0734929309
Registered
30-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.