MARC KRICK
Active2 interim measuresThe file of MARC KRICK contains 2 interim measures, as published in the Belgian State Gazette. The computed 12-month bankruptcy probability is 0.7% (low). The 2025 annual accounts show equity of €424k and a net result of €436k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 76% of 7778 sector peers (fiscal year 2025).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+12
Solvency91▲+68
Growth78▲+20
Track record80
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days only on tighter terms
Liquidity ample (current ratio 2.0 against 0.39 in 2024; short-term debt: 28.1% and cash: 40.2% of total assets), and 33.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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 · 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
66.4%
Return on assets
68.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
20 d late
2023
23 d late
2022
23 d late
2021
24 d late
2020
53 d late
2019
122 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€424k
2024 · €-12k
2018: €188k
2019: €-16k
2020: €-219k
2021: €-297k
2022: €-194k
2023: €-90k
2024: €-12k
2018 → 2025
Total assets
€639k▲ 23.7%
2024 · €516k
2018: €1.07M
2019: €814k
2020: €630k
2021: €556k
2022: €402k
2023: €420k
2024: €516k
2018 → 2025
Net result
€436k▲ 456%
2024 · €78k
2018: €-44k
2019: €-204k
2020: €-203k
2021: €-78k
2022: €103k
2023: €104k
2024: €78k
2018 → 2025
Working capital
€180k
2024 · €-321k
2018: €-176k
2019: €-359k
2020: €-560k
2021: €-568k
2022: €-431k
2023: €-323k
2024: €-321k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-297k-€-194k▲ 34.7%€-90k▲ 53.4%€-12k▲ 86.8%€424k
Operating result€-51k-€118k€123k▲ 3.7%€96k▼ 21.4%€598k▲ 521%
Net result€-78k-€103k€104k▲ 0.7%€78k▼ 24.3%€436k▲ 456%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 521% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €639k
Fixed assets
€280k▼ 9.5%
Current assets
€359k▲ 73.4%
Equity and liabilities €639k
Equity
€424k
Debt
€214k
Debt finances 33.6% of the balance-sheet total.
Key figures and ratios
EBITDA
€655k▲
2024 · €135k
Cash flow
€494k▲
2024 · €117k
Solvency
66.4%▲
2024 · -2.3%
Current ratio
2.00▲
2024 · 0.39
Quick ratio
1.80▲
2024 · 0.23
Debt / equity
0.51▲
2024 · -44.19
ROE
102.8%
ROA
68.3%▲
2024 · 15.2%
Interest coverage
61.21▲
2024 · 7.46
Debt
€214k▼
2024 · €528k
Debt ≤ 1 year
€179k▼
2024 · €528k
Debt > 1 year
€35k
Income taxes
€152k▲
2024 · €818
Staff costs
€197k▼
2024 · €207k
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€516k€639k▲
Fixed assets21/28€309k€280k▼
Tangible fixed assets22/27€309k€280k▼
Land and buildings22€181k€127k▼
Plant, machinery and equipment23€31k€31k▼
Furniture and vehicles24€97k€121k▲
Financial fixed assets28€271€271=
Current assets29/58€207k€359k▲
Stocks and contracts in progress3€88k€36k▼
Stocks30/36€76k€27k▼
Contracts in progress37€12k€10k▼
Amounts receivable within one year40/41€81k€50k▼
Trade receivables40€70k€40k▼
Other amounts receivable41€11k€9k▼
Cash at bank and in hand54/58€34k€257k▲
Deferred charges and accrued income490/1€4k€16k▲
Equity and liabilities
Total equity and liabilities10/49€516k€639k▲
Equity10/15€-12k€424k▲
Contributions10/11€20k€20k=
Reserves13€9k€404k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€7k€7k=
Distributable reserves133-€395k
Profit (loss) carried forward14€-41k€524▲
Amounts payable17/49€528k€214k▼
Amounts payable after more than one year17-€35k
Financial debts170/4-€35k
Amounts payable within one year42/48€528k€179k▼
Current portion of amounts payable after more than one year42-€10k
Financial debts43€200k€0▼
Other loans439€200k€0▼
Trade debts44€29k€10k▼
Suppliers440/4€29k€10k▼
Taxes, remuneration and social security45€12k€155k▲
Taxes450/3€6k€155k▲
Remuneration and social security454/9€6k€0▼
Other amounts payable47/48€288k€4k▼
Income statement
Code20242025
Non-recurring operating income76A-€598k
Remuneration, social security and pensions62€207k€197k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€57k▲
Other operating charges640/8€15k€16k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€357k€868k▲
Operating profit (loss)9901€96k€598k▲
Financial income75/76B€1k€658▼
Recurring financial income75€1k€658▼
Financial charges65/66B€18k€11k▼
Recurring financial charges65€18k€11k▼
Profit (loss) for the period before taxes9903€79k€588k▲
Income taxes67/77€818€152k▲
Profit (loss) for the period9904€78k€436k▲
Profit (loss) for the period to be appropriated9905€78k€436k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-41k€396k▲
Profit (loss) brought forward from the previous period14P€-119k€-41k▲
Transfer to equity691/2-€395k
To other reserves6921-€395k
Social balance
Average headcount (FTE)90873.93.2▼
The notes to these accounts (19 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
31-12
Financial
Highest result since 2018net €436k ▲456%
Operating result €598k, net result €436k, both a record.
31-12
Financial
Liquidity times 5current ratio 2.00
Current ratio from 0.39 to 2.00; short-term debt falls from €528k to €179k.
31-12
Financial
Equity above €200kEq €424k
4 profitable years in a row build equity to €424k.
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 20 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 23 days late
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 23 days late
2022
31-12
Financial
Back to profitnet €103k
Net result €103k after 4 loss-making years.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 24 days late
14-06
Interim measure
Provisional administrator
Ondernemingsrechtbank Gent · event 23-05-2022
2021
09-11
Interim measure
Provisional administrator
Ondernemingsrechtbank Gent
22-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 53 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 122 days late
2019
31-12
Financial
Weakest financial yearnet €-204k
Net result drops to €-204k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 24 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Laarne · 1 establishment unit since 1990
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.
Brugstraat 479270 LaarneGround area
2,577 m²
Building footprint
186 m²
Volume, LiDAR
848 m³
Parcel 42009E0546/00L000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Brugstraat 47, 9270 Laarne
since 19902.050.032.543
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42009E0546/00L000 | Flanders | 2,577 m² | 1 · 186 m² | 7.8 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 1,564 EUR awarded · 1,564 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 143 EUR | 143 EUR |
| 2024 | 1 | 187 EUR | 187 EUR |
| 2023 | 1 | 674 EUR | 674 EUR |
| 2022 | 1 | 560 EUR | 560 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 8,563 companies in sector 43410 we hold annual accounts for 4,358. 3,029 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded01-10-1990
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
45220
43230Insulation installation
43291Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 35 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.