Active BE 0666.412.170Private limited company (pre-2019)

Marble'us Europe

Noendreef 9A ·8730 Beernem, Belgium· 9 yrs active

Sector: Agents in the wholesale of timber and building materials (46130)

Conclusion Checked

Marble'us Europe has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-32k) and a net result of €-4k. Its solvency ranks better than 16% of 875 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

Based on the State Gazette, CBE and 2 annual accounts.

Key figures

Equity	€-32k
Net result	€-4k
Better than sector	16%
Active	9 yrs

Financial profile 5 of 5 axes measured · computed by Checked

55 / 100

Mixed profile: strong on stability, weaker on health.

All 5 axes are computed from data Checked has read.

Health 15

Profitability 60

Solvency 42

Growth 58

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

1.0% Low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2016, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2025 · computed

15 / 100 Critical

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Indicative credit limit

No credit

negative equity or figures too weak

Score history

25 2023

15 2025

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 0.91 (< 1.0) -10

Quick ratio Quick ratio 0.42 (< 0.6) -5

Equity Negative equity -25

Profitability ROE 12% (≥ 10%) +10

Interest coverage Interest coverage 1.0× (< 1.5×) -10

Profit trend Net profit up YoY +5

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview7 NBB filings

Annual accounts filed on 25-08-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Sector comparison

Fiscal year 2025 · NACE 46, Wholesale trade · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	-11.5%	35.1%	better than 16% of 875 sector peers
Net result	€-4k	€10k	better than 22% of 874 sector peers
Equity	€-32k	€40k	better than 9% of 876 sector peers
Gross operating margin	€14k	€32k	better than 35% of 873 sector peers
Total assets	€279k	€131k	better than 71% of 875 sector peers

EBITDA

€13k

- 23-25

Net profit

€-4k

+93.0% 23-25

Cash flow

€-294

+99.4% 23-25

Total assets

€279k

-30.9% 23-25

Equity

€-32k

- 23-25

Working capital

€-28k

- 23-25

Income taxes

€0

-100.0% 23-25

Debt

€311k

-16.0% 23-25

Debt ≤ 1y

€303k

+0.5% 23-25

Debt > 1y

€8k

-88.8% 23-25

Current ratio

0.91

-26.5% 23-25

Quick ratio

0.42

-38.4% 23-25

Solvency

-11.5%

- 23-25

Debt / equity

-9.71

- 23-25

ROE

12.0%

- 23-25

ROA

-1.4%

+89.8% 23-25

Interest coverage

0.98

- 23-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2023
Deposit	micro schema	micro schema
Revenue	-	-
EBITDA	€13k	€-18k
Net profit	€-4k	€-54k
Cash flow	€-294	€-48k
Staff costs	-	-
Income taxes	€0	€14k
Dividends	-	-
Total assets	€279k	€403k
Equity	€-32k	€33k
Debt	€311k	€370k
of which ≤ 1y	€303k	€302k
of which > 1y	€8k	€67k
Working capital	€-28k	€71k
Employees (FTE)	-	-

Ratios (computed)

	2025	2023
Current ratio	0.91	1.24
Quick ratio	0.42	0.68
Working capital ratio	-9.9%	17.7%
Solvency	-11.5%	8.2%
Debt / equity	-9.71	11.14
Long-term debt ratio	-0.23	2.01
Interest coverage	0.98	-1.16
Gross margin	-	-
Net margin	-	-
ROA	-1.4%	-13.5%
ROE	12.0%	-163.7%
EBITDA margin	-	-
Days sales outstanding	-	-
Days payable outstanding	-	-
Inventory turnover	-	-
Days inventory (DSI)	-	-

Balance-sheet composition 2025

Assets

Fixed assets €3k · 1.1% Current assets €275k · 98.9%

Full annual accounts (24 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2023
Balance sheet, Assets
TOTAL ASSETS	20/58	€279k	€403k
Fixed assets	21/28	€3k	€30k
Tangible fixed assets	22/27	€3k	€30k
Current assets	29/58	€275k	€373k
Stocks & contracts in progress	3	€148k	€167k
Amounts receivable within one year	40/41	€123k	€191k
Cash & bank	54/58	€5k	€14k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€279k	€403k
Equity	10/15	€-32k	€33k
Contributions / capital	10/11	€19k	€19k
Reserves	13	€15k	€15k
Accumulated profits (losses)	14	€-65k	-
Amounts payable	17/49	€311k	€370k
Amounts payable after one year	17	€8k	€67k
Amounts payable within one year	42/48	€303k	€302k
Trade debts payable within one year	44	€86k	€48k
Income statement
Gross operating margin	9900	€14k	€-18k
Operating result	9901	€9k	€-25k
Financial income	75	€3	€1
Financial charges	65	€13k	€16k
Result before taxes	9903	€-4k	€-41k
Income taxes	67/77	€0	€14k
Net result for the period	9904	€-4k	€-54k
Result to be appropriated	9905	€-4k	€-54k

Legal Structure

NACE primary	Agents in the wholesale of timber and building materials(46130)
Legal form	Private limited company (pre-2019)(015)
Incorporation	16-11-2016
Status	Active
Postal code	8730

Establishment units 1 location

Marble'us Europe

Noendreef 9A, 8730 BeernemAgents in the wholesale of timber and building materials

since 20162.258.587.293

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
31003D0921/00A000	Flanders	4,993 m²	1 · 159 m²	6.0 m · 1 fl.

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.

Updates 7 events

All 7Filings 7

Next filing, fiscal year 2026, expected by 31-07-2027

2026

25-08