MARBRE
ActiveMARBRE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.15M and a net result of €-33k. Equity is growing by ~20.3% per year across the filed fiscal years. Its solvency ranks better than 37% of 5474 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
30 d late
2022
31 d late
2021
30 d late
2020
31 d late
2019
27 d late
← 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
10-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.15M▼ 6.7%
2024 · €1.23M
2018: €410k
2019: €395k
2020: €454k
2021: €756k
2022: €1.26M
2023: €1.24M
2024: €1.23M
2018 → 2025
Net result
€-33k▼ 433%
2024 · €-6k
2018: €12k
2019: €-14k
2020: €58k
2021: €303k
2022: €506k
2023: €-24k
2024: €-6k
2018 → 2025
Total assets
€3.12M▼ 6.9%
2024 · €3.35M
2018: €3.54M
2019: €3.49M
2020: €3.49M
2021: €3.54M
2022: €3.48M
2023: €3.39M
2024: €3.35M
2018 → 2025
Solvency
36.9%▲ 0.1pp
2024 · 36.8%
2018: 11.6%
2019: 11.3%
2020: 13.0%
2021: 21.4%
2022: 36.2%
2023: 36.5%
2024: 36.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€756k-€1.26M▲ 66.8%€1.24M▼ 1.9%€1.23M▼ 0.5%€1.15M▼ 6.7%
Operating result€237k-€76k▼ 67.8%€35k▼ 54.0%€54k▲ 54.3%€18k▼ 66.6%
Net result€303k-€506k▲ 66.9%€-24k€-6k▲ 74.5%€-33k▼ 433%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 67% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.12M
Fixed assets
€2.95M▼ 3.1%
Current assets
€168k▼ 45.0%
Equity and liabilities €3.12M
Equity
€1.15M▼ 6.7%
Debt
€1.97M▼ 7.0%
The debt ratio falls from 63.2% to 63.1%: debt falls faster than equity shrinks.
Key figures and ratios
Solvency
36.9%▲
2024 · 36.8%
ROE
-2.8%▼
2024 · -0.5%
ROA
-1.0%▼
2024 · -0.2%
Debt
€1.97M▼
2024 · €2.12M
Debt ≤ 1 year
€1.02M▼
2024 · €1.04M
Debt > 1 year
€942k▼
2024 · €1.07M
Income taxes
€5k▼
2024 · €9k
Staff costs
€127k▲
2024 · €81k
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€3.35M€3.12M▼
Fixed assets21/28€3.04M€2.95M▼
Tangible fixed assets22/27€1.55M€1.45M▼
Land and buildings22€1.52M€1.44M▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€22k€9k▼
Financial fixed assets28€1.50M€1.50M=
Current assets29/58€305k€168k▼
Amounts receivable within one year40/41€97k€128k▲
Trade receivables40€82k€86k▲
Other amounts receivable41€15k€42k▲
Cash at bank and in hand54/58€201k€37k▼
Deferred charges and accrued income490/1€6k€3k▼
Equity and liabilities
Total equity and liabilities10/49€3.35M€3.12M▼
Equity10/15€1.23M€1.15M▼
Contributions10/11€625k€625k=
Reserves13€637k€524k▼
Distributable reserves133€637k€524k▼
Profit (loss) carried forward14€-30k€0▲
Amounts payable17/49€2.12M€1.97M▼
Amounts payable after more than one year17€1.07M€942k▼
Financial debts170/4€1.07M€942k▼
Amounts payable within one year42/48€1.04M€1.02M▼
Current portion of amounts payable after more than one year42€127k€127k=
Trade debts44€97k€139k▲
Suppliers440/4€97k€139k▲
Taxes, remuneration and social security45€42k€43k▲
Taxes450/3€29k€18k▼
Remuneration and social security454/9€13k€25k▲
Other amounts payable47/48€778k€709k▼
Accrued charges and deferred income492/3€4k€7k▲
Income statement
Code20242025
Remuneration, social security and pensions62€81k€127k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€94k€95k▲
Other operating charges640/8€35k€33k▼
Gross operating margin9900€264k€272k▲
Operating profit (loss)9901€54k€18k▼
Financial income75/76B€449€2k▲
Recurring financial income75€449€2k▲
Financial charges65/66B€52k€47k▼
Recurring financial charges65€52k€47k▼
Profit (loss) for the period before taxes9903€3k€-28k▼
Income taxes67/77€9k€5k▼
Profit (loss) for the period9904€-6k€-33k▼
Profit (loss) for the period to be appropriated9905€-6k€-33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-30k€-63k▼
Profit (loss) brought forward from the previous period14P€-24k€-30k▼
Transfer from equity791/2-€113k
Profit to be distributed694/7-€50k
Return on contributions (dividend)694-€50k
Social balance
Average headcount (FTE)90872.33.0▲
The notes to these accounts (20 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-33k
Net result drops to €-33k, the lowest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €506k ▲66.9%
Net result €506k, the highest in the series.
31-12
Financial
Equity above €1MEq €1.26M ▲66.8%
3 profitable years in a row build equity to €1.26M.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
31-12
Financial
Equity above €500kEq €756k ▲66.8%
2 profitable years in a row build equity to €756k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Back to profitnet €58k
Net result €58k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 27 days late
2019
09-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 40 days late
2018
03-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 3 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 acts for this company are 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, Maaseik · 1 establishment unit since 2010
Ground area
1,961 m²
Building footprint
297 m²
Volume, LiDAR
1,713 m³
2 parcels, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MARBRE
since 20102.192.844.851
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72024B0718/00K000 | Flanders | 1,088 m² | 1 · 106 m² | 9.7 m · 2 fl. |
| 72024B0679/00D000 | Flanders | 872 m² | 1 · 192 m² | 7.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,690. 12,318 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-10-2010
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 09-09-2026. Scores and ratios are computed by Checked and are not a credit decision.