Losses
-€36,706 in four years
Every financial year from 2022 to 2025 closed with a loss. 2024 was the heaviest.
MARC DE KEYREL
Lifetime
19 annual accounts with figures on one time axis, 28 filings since 1998peak €296,676 (2021)
€25,575▲ 53.3%
lowest -€17,112 (2024)
-€4,942▲ €12,170
peak €497,839 (2021)
€403,624▼ 1.2%
€65,291▼ 7.7%
peak 1 FTE (2010)
-not published
Board2 names since 2022
1 directorDE KEYREL Marc Oscar Richard Cornelius
Documentsfilings and deeds
30-01-20261 day before the deadline
2025micro format
Gross margin from €16,684 to €25,575Loss of €4,942Cash from €122,989 to €54,062
Key points
from the 2025 annual accountsChecked score
95
Excellent
Financially stronger than 56% of micro companies without a NACE code
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%lowest value
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: 0.1%▲ +0.1 percentage points vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026highest value
Financial strengthStrong
Score breakdown
lowers risk
Size: total assets €520,884
Equity €403,624 (77.5% of total assets)
No main activity registered
Founded in 1997
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 81% of them on solvency, 58% on liquidity, 45% on profitability and 40% on growth.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 8,617 companies had the same profile as MARC DE KEYREL has now. Each dot stands for 22 companies, two years later.
94.2%
were still trading
5.2%
stopped another way
0.4%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of MARC DE KEYREL itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 8,617 companies, not a prediction for MARC DE KEYREL. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €35,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.98 (1.74 in 2024), above the usual 1.5. Short-term debt is 12.5% and cash 10.4% of total assets. 22.5% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€4,942
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 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 day early
2024
3 days early
2023
3 days early
2022
4 days early
2021
on the day
2020
3 days early
2019
16 days early
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 7 accounts on average 4 days before the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 28 January (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end08-11-2026 today31-01-2027 deadline
Recent changes
Capital decrease of €57,510
Appointment: DE KEYEREL Marc (statutory director) · “Het optreden als bemiddelaar van verzekeringen; Het verlenen van dienstprestaties van administratieve en…” (deed in Dutch) · General meeting of 24-05-2023 · Gazette deed
First establishment
DVV MARC DE KEYREL, Grauwe Broedersstraat 43, Diksmuide
Incorporation
published on 16-07-1997 · Gazette deed
Official details
Source: KBO- Status
- Active since 03-07-1997Normal situation
- Activity
- “Het optreden als bemiddelaar van verzekeringen.” (deed in Dutch)From the articles, 11 activitiesNo NACE code in the KBO yet
- Joint committee
- 307Insurance brokers and agencies · annual accounts 30-06-2023
- Establishment unit
- 2.083.164.8728600 Diksmuide, since 01-09-1997
- Financial year end
- 30 June
- Peppol
- Reachable
Annual accounts to 30-06-2025
- €520,884▼ 2.3%
- Filing
- Filed on 30-01-2026, 1 day before the end of the filing period
Insights on MARC DE KEYREL
MARC DE KEYREL files the micro format. That format states no turnover. The gross margin fell from €80,702 in 2007 to €25,575 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about MARC DE KEYREL
- What is the company number of MARC DE KEYREL?
- The company number of MARC DE KEYREL is 0461.035.654. The VAT number is the same number with BE in front: BE 0461.035.654.
- Where is MARC DE KEYREL based?
- The registered office is at Grauwe Broedersstraat 43, 8600 Diksmuide.Company details
- What is the legal form of MARC DE KEYREL?
- MARC DE KEYREL is a private limited company (BV).
- When was MARC DE KEYREL founded?
- MARC DE KEYREL was founded on 03-07-1997.
- Is MARC DE KEYREL still active?
- Yes, MARC DE KEYREL is an active enterprise in the KBO register.
- How many employees does MARC DE KEYREL have?
- MARC DE KEYREL had an average of 1 full-time equivalents in financial year 2023, according to the filed annual accounts.Financials
- Which joint committee does MARC DE KEYREL fall under?
- In its 30-06-2023 annual accounts, MARC DE KEYREL states joint committee 307 (Insurance brokers and agencies).
- What is the turnover of MARC DE KEYREL?
- The turnover in financial year 2025 is ≈ €100,000. This figure is estimated from the gross margin of €25,575 and 2,940 comparable companies of the same size. It probably lies between €62,000 and €190,000. It is a rough estimate.
- Is MARC DE KEYREL profitable?
- In financial year 2025, MARC DE KEYREL made a loss of €4,942.
- Where can I find the annual accounts of MARC DE KEYREL?
- MARC DE KEYREL filed 28 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of MARC DE KEYREL due?
- MARC DE KEYREL must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
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