MARBEMA
ActiveMARBEMA has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €724k and a net result of €48k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 95% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+65
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 39.71 against 3.16 in 2024; short-term debt: 1.8% and cash: 3.3% of total assets), and 4% 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○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
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
96%
Return on assets
6.3%
Age of the figures
15 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
1 d early
2023
68 d early
2022
53 d early
2021
22 d late
2020
28 d late
2019
44 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€724k▲ 4.7%
2024 · €692k
2019: €304k
2020: €966k
2021: €957k
2022: €1.08M
2023: €947k
2024: €692k
2019 → 2025
Total assets
€754k▼ 17.2%
2024 · €911k
2019: €1.48M
2020: €1.76M
2021: €1.68M
2022: €1.15M
2023: €997k
2024: €911k
2019 → 2025
Net result
€48k
2024 · €-51k
2019: €204k
2020: €662k
2021: €-8k
2022: €173k
2023: €-98k
2024: €-51k
2019 → 2025
Working capital
€514k▲ 9.3%
2024 · €470k
2019: €-260k
2020: €473k
2021: €397k
2022: €916k
2023: €787k
2024: €470k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€957k-€1.08M▲ 12.8%€947k▼ 12.4%€692k▼ 27.0%€724k▲ 4.7%
Operating result€-44k-€-167k▼ 283%€-98k▲ 41.2%€-61k▲ 37.8%€39k
Net result€-8k-€173k€-98k€-51k▲ 47.8%€48k
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 2025: €39k after a loss of €61k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €754k
Fixed assets
€227k▲ 1.9%
Current assets
€527k▼ 23.4%
Equity and liabilities €754k
Equity
€724k▲ 4.7%
Debt
€30k▼ 86.3%
The debt ratio falls from 24.1% to 4.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€52k▲
2024 · €-39k
Cash flow
€61k▲
2024 · €-29k
Solvency
96.0%▲
2024 · 75.9%
Current ratio
39.71▲
2024 · 3.16
Quick ratio
39.71▲
2024 · 3.16
Debt / equity
0.04▼
2024 · 0.32
ROE
6.6%▲
2024 · -7.4%
ROA
6.3%▲
2024 · -5.6%
Interest coverage
20.72▲
2024 · -17.61
Debt
€30k▼
2024 · €219k
Debt ≤ 1 year
€13k▼
2024 · €218k
Debt > 1 year
€16k
Income taxes
€5k▲
2024 · €213
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€911k€754k▼
Fixed assets21/28€223k€227k▲
Tangible fixed assets22/27€132k€136k▲
Land and buildings22€73k€89k▲
Plant, machinery and equipment23€1k€470▼
Furniture and vehicles24€58k€46k▼
Financial fixed assets28€91k€91k=
Current assets29/58€688k€527k▼
Amounts receivable within one year40/41€571k€414k▼
Trade receivables40-€17k
Other amounts receivable41€571k€397k▼
Current investments50/53€90k€86k▼
Cash at bank and in hand54/58€12k€25k▲
Deferred charges and accrued income490/1€15k€2k▼
Equity and liabilities
Total equity and liabilities10/49€911k€754k▼
Equity10/15€692k€724k▲
Contributions10/11€12k€12k=
Reserves13€679k€712k▲
Distributable reserves133€679k€712k▲
Amounts payable17/49€219k€30k▼
Amounts payable after more than one year17-€16k
Financial debts170/4-€16k
Amounts payable within one year42/48€218k€13k▼
Trade debts44€930€411▼
Suppliers440/4€930€411▼
Taxes, remuneration and social security45€10k€8k▼
Taxes450/3€10k€8k▼
Other amounts payable47/48€207k€5k▼
Accrued charges and deferred income492/3€2k€582▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€13k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€-36k€55k▲
Operating profit (loss)9901€-61k€39k▲
Financial income75/76B€12k€16k▲
Recurring financial income75€12k€16k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€-51k€53k▲
Income taxes67/77€213€5k▲
Profit (loss) for the period9904€-51k€48k▲
Profit (loss) for the period to be appropriated9905€-51k€48k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-157k€48k▲
Profit (loss) brought forward from the previous period14P€-106k-
Transfer from equity791/2€362k€15k▼
Transfer to equity691/2-€48k
To other reserves6921-€48k
Profit to be distributed694/7€204k€15k▼
Return on contributions (dividend)694€204k€15k▼
The notes to these accounts (8 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €48k
Net result €48k after 2 loss-making years.
30-06
Financial
Liquidity times 13current ratio 39.71
Current ratio from 3.16 to 39.71; short-term debt falls from €218k to €13k.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
24-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Weakest financial yearnet €-98k ▼157%
Net result drops to €-98k, the lowest in the series; recovery starts the following year.
2022
09-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Back to profitnet €173k
Net result €173k after one loss-making year.
30-06
Financial
Liquidity triplescurrent ratio 15.69
Current ratio from 5.40 to 15.69; short-term debt falls from €90k to €62k.
30-06
Financial
Equity above €1MEq €1.08M ▲12.8%
Equity rises from €957k to €1.08M.
22-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
28-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 28 days late
2020
30-06
Financial
Highest result since 2019net €662k ▲224%
Net result €662k, the highest in the series.
30-06
Financial
Liquidity times 28current ratio 5.98
Current ratio from 0.21 to 5.98; short-term debt falls from €330k to €95k.
30-06
Financial
Equity above €500kEq €966k ▲218%
2 profitable years in a row build equity to €966k.
2019
18-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
17-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
14-10
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.
Directors · office · real estate
Directors
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
27-11-2023
Resigned as Director
Location & real-estate footprint
Registered office, Brugge · 1 establishment unit since 2010
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.
Azalealaan 528200 BruggeGround area
1,340 m²
Building footprint
320 m²
Parcel 31027D0423/00V002, Flanders. Linked by address, not a title deed.
1 establishment unit
Marbema
since 20102.190.134.195
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31027D0423/00V002 | Flanders | 1,340 m² | 1 · 320 m² | - |
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
2023 · 1 entry · 570 EUR awarded · 570 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 570 EUR | 570 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 31,219 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-07-2010
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
64200Holdings
64210Activities of holding companies
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.
Contact details
1 entryE-mail:b.lauweres@telenet.be