MARBRERIE DELOBEL
ActiveMARBRERIE DELOBEL has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €507k and a net result of €-5k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 95% of 265 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▼-5
Solvency100=
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 8.35 against 9.73 in 2024; short-term debt: 8.2% and cash: 43.8% of total assets), and 8.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 23
Relative position
BE, all sectors
reference
Sector 23
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
91.8%
Return on assets
-0.8%
Age of the figures
9 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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
24 d early
2023
19 d early
2022
33 d early
2021
16 d early
2020
20 d late
2019
18 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€507k▼ 4.7%
2024 · €532k
2018: €518k
2019: €508k
2020: €522k
2021: €519k
2022: €513k
2023: €511k
2024: €532k
2018 → 2025
Total assets
€553k▼ 3.6%
2024 · €573k
2018: €548k
2019: €536k
2020: €571k
2021: €583k
2022: €573k
2023: €582k
2024: €573k
2018 → 2025
Net result
€-5k
2024 · €21k
2018: €18k
2019: €-992
2020: €39k
2021: €-3k
2022: €-5k
2023: €16k
2024: €21k
2018 → 2025
Working capital
€332k▼ 2.8%
2024 · €342k
2018: €354k
2019: €332k
2020: €356k
2021: €345k
2022: €306k
2023: €313k
2024: €342k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€519k-€513k▼ 1.1%€511k▼ 0.4%€532k▲ 4.1%€507k▼ 4.7%
Operating result€10k-€-4k€21k€29k▲ 37.2%€-6k
Net result€-3k-€-5k▼ 96.2%€16k€21k▲ 30.1%€-5k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6k after €29k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €553k
Fixed assets
€175k▼ 8.8%
Current assets
€378k▼ 0.9%
Equity and liabilities €553k
Equity
€507k▼ 4.7%
Debt
€45k▲ 11.1%
The debt ratio rises from 7.1% to 8.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€13k▼
2024 · €48k
Cash flow
€14k▼
2024 · €40k
Solvency
91.8%▼
2024 · 92.9%
Current ratio
8.35▼
2024 · 9.73
Quick ratio
6.78▼
2024 · 7.98
Debt / equity
0.09▲
2024 · 0.08
ROE
-0.9%▼
2024 · 4.0%
ROA
-0.8%▼
2024 · 3.7%
Interest coverage
36.46▼
2024 · 108.77
Debt
€45k▲
2024 · €41k
Debt ≤ 1 year
€45k▲
2024 · €39k
Income taxes
€276▼
2024 · €9k
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€573k€553k▼
Fixed assets21/28€192k€175k▼
Tangible fixed assets22/27€192k€175k▼
Land and buildings22€132k€128k▼
Plant, machinery and equipment23€12k€9k▼
Furniture and vehicles24€48k€38k▼
Current assets29/58€381k€378k▼
Stocks and contracts in progress3€68k€71k▲
Stocks30/36€68k€71k▲
Amounts receivable within one year40/41€69k€60k▼
Trade receivables40€51k€49k▼
Other amounts receivable41€18k€11k▼
Cash at bank and in hand54/58€240k€242k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€573k€553k▼
Equity10/15€532k€507k▼
Contributions10/11€70k€70k=
Capital10€70k€70k=
Issued capital100€70k€70k=
Outside capital11€74€74=
Share premium1100/10€74€74=
Reserves13€460k€436k▼
Non-distributable reserves130/1€7k€7k=
Legal reserve130€7k€7k=
Distributable reserves133€453k€429k▼
Investment grants15€2k€1k▼
Amounts payable17/49€41k€45k▲
Amounts payable after more than one year17€2k-
Financial debts170/4€2k-
Amounts payable within one year42/48€39k€45k▲
Current portion of amounts payable after more than one year42€9k€2k▼
Trade debts44€664€3k▲
Suppliers440/4€664€3k▲
Advances received on contracts in progress46€14k€14k=
Taxes, remuneration and social security45€4k€4k=
Taxes450/3€4k€4k=
Other amounts payable47/48€11k€22k▲
Income statement
Code20242025
Non-recurring operating income76A-€1k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€19k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€5k
Other operating charges640/8€3k€3k▲
Gross operating margin9900€51k€22k▼
Operating profit (loss)9901€29k€-6k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€440€364▼
Recurring financial charges65€440€364▼
Profit (loss) for the period before taxes9903€30k€-4k▼
Income taxes67/77€9k€276▼
Profit (loss) for the period9904€21k€-5k▼
Profit (loss) for the period to be appropriated9905€21k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€-5k▼
Transfer from equity791/2-€25k
Transfer to equity691/2€21k-
To other reserves6921€21k-
Profit to be distributed694/7-€20k
Return on contributions (dividend)694-€20k
The notes to these accounts (5 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €16k
Net result €16k after 2 loss-making years.
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-5k
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
31-12
Financial
Back to profitnet €39k
Net result €39k after one loss-making year.
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 9 days late
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Gedinne · 1 establishment unit since 2002
Ground area
815 m²
Building footprint
61 m²
Volume, LiDAR
461 m³
Parcel 91054C0074/00P002, Wallonia · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Raymond-Gridlet 78, 5575 Gedinne
since 20022.094.703.617
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91054C0074/00P002 | Wallonia | 815 m² | 1 · 61 m² | 9.2 m · 2 fl. |
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.
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Of 738 companies in sector 23700 we hold annual accounts for 491. 397 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded29-03-2002
Fiscal year end31-12
Activities, NACEBEL
23700Cutting, shaping and finishing of stone
26700
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.