MARC VERSIECK
ActiveMARC VERSIECK has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €730k and a net result of €40k. Equity is growing by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 7376 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-10
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 11.44 against 5.23 in 2024; short-term debt: 8.1% and cash: 20.3% of total assets), and 8.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 41
Relative position
BE, all sectors
reference
Sector 41
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
91.9%
Return on assets
5%
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 11-08-2026, 11 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
11 d late
2024
on the day
2023
6 d late
2022
8 d late
2021
4 d early
2020
4 d late
2019
5 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€730k▲ 5.7%
2024 · €691k
2018: €414k
2019: €561k
2020: €650k
2021: €669k
2022: €689k
2023: €711k
2024: €691k
2018 → 2025
Total assets
€794k▼ 6.4%
2024 · €848k
2018: €630k
2019: €765k
2020: €763k
2021: €760k
2022: €764k
2023: €729k
2024: €848k
2018 → 2025
Net result
€40k▼ 63.1%
2024 · €108k
2018: €157k
2019: €192k
2020: €89k
2021: €18k
2022: €20k
2023: €22k
2024: €108k
2018 → 2025
Working capital
€673k▲ 0.8%
2024 · €668k
2018: €345k
2019: €494k
2020: €597k
2021: €631k
2022: €656k
2023: €682k
2024: €668k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€669k-€689k▲ 3.0%€711k▲ 3.2%€691k▼ 2.8%€730k▲ 5.7%
Operating result€27k-€36k▲ 33.7%€40k▲ 9.5%€170k▲ 326%€63k▼ 62.7%
Net result€18k-€20k▲ 8.0%€22k▲ 12.1%€108k▲ 388%€40k▼ 63.1%
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 falls in 2025; 2025 is 63% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €794k
Fixed assets
€57k▲ 146%
Current assets
€738k▼ 10.7%
Equity and liabilities €794k
Equity
€730k▲ 5.7%
Debt
€64k▼ 59.2%
The debt ratio falls from 18.6% to 8.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€71k▼
2024 · €176k
Cash flow
€48k▼
2024 · €114k
Solvency
91.9%▲
2024 · 81.4%
Current ratio
11.44▲
2024 · 5.23
Quick ratio
11.43▲
2024 · 5.22
Debt / equity
0.09▼
2024 · 0.23
ROE
5.5%▼
2024 · 15.7%
ROA
5.0%▼
2024 · 12.8%
Interest coverage
14.50▼
2024 · 23.04
Debt
€64k▼
2024 · €158k
Debt ≤ 1 year
€64k▼
2024 · €158k
Income taxes
€20k▼
2024 · €55k
Staff costs
€121k▲
2024 · €108k
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€848k€794k▼
Fixed assets21/28€23k€57k▲
Tangible fixed assets22/27€23k€57k▲
Land and buildings22€20k€16k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€351€39k▲
Current assets29/58€826k€738k▼
Amounts receivable after more than one year29€231k€231k=
Other amounts receivable291€231k€231k=
Stocks and contracts in progress3€1k€1k▼
Stocks30/36€1k€1k▼
Contracts in progress37€0-
Amounts receivable within one year40/41€154k€337k▲
Trade receivables40€138k€158k▲
Other amounts receivable41€16k€179k▲
Cash at bank and in hand54/58€429k€162k▼
Deferred charges and accrued income490/1€11k€8k▼
Equity and liabilities
Total equity and liabilities10/49€848k€794k▼
Equity10/15€691k€730k▲
Contributions10/11€19k€19k=
Reserves13€406k€445k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€404k€443k▲
Profit (loss) carried forward14€266k€266k=
Amounts payable17/49€158k€64k▼
Amounts payable within one year42/48€158k€64k▼
Current portion of amounts payable after more than one year42€4k€4k▼
Trade debts44€6k€12k▲
Suppliers440/4€6k€12k▲
Advances received on contracts in progress46€2k€2k=
Taxes, remuneration and social security45€45k€46k▲
Taxes450/3€42k€46k▲
Remuneration and social security454/9€3k€80▼
Other amounts payable47/48€100k€833▼
Income statement
Code20242025
Remuneration, social security and pensions62€108k€121k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€8k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€287k€195k▼
Operating profit (loss)9901€170k€63k▼
Financial income75/76B€799€1k▲
Recurring financial income75€799€1k▲
Financial charges65/66B€8k€5k▼
Recurring financial charges65€8k€5k▼
Profit (loss) for the period before taxes9903€163k€60k▼
Income taxes67/77€55k€20k▼
Profit (loss) for the period9904€108k€40k▼
Profit (loss) for the period to be appropriated9905€108k€40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€374k€306k▼
Profit (loss) brought forward from the previous period14P€266k€266k=
Transfer from equity791/2€128k€0▼
Transfer to equity691/2€108k€39k▼
To other reserves6921€108k€39k▼
Profit to be distributed694/7€128k€833▼
Return on contributions (dividend)694€128k€833▼
The notes to these accounts (9 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
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 11.44
Current ratio from 5.23 to 11.44; short-term debt falls from €158k to €64k.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 6 days late
2023
31-12
Financial
Liquidity quadruplescurrent ratio 37.53
Current ratio from 9.74 to 37.53; short-term debt falls from €75k to €19k.
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 8 days late
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €18k ▼79.5%
Net result drops to €18k, the lowest in the series; recovery starts the following year.
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 4 days late
2020
05-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 5 days late
2019
31-12
Financial
Highest result since 2018net €192k ▲22.4%
Operating result €276k, net result €192k, both a record.
31-12
Financial
Equity above €500kEq €561k ▲35.4%
2 profitable years in a row build equity to €561k.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 1 day late
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial 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, Maldegem · 1 establishment unit since 2000
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.
Lindestraat 49990 MaldegemGround area
1,454 m²
Building footprint
366 m²
Volume, LiDAR
2,015 m³
2 parcels, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MARC VERSIECK BVBA
since 20002.101.122.443
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43010C0250/00X000 | Flanders | 829 m² | 1 · 172 m² | 9.0 m · 2 fl. |
| 43010C0944/00H000 | Flanders | 624 m² | 1 · 194 m² | 10.6 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.
Similar companies · same sector, comparable size
HOEBEN BOUWPROJECTEN
BE 0475.537.550
Bocholt · Eq €730k
ArteziA group
BE 0716.652.727
Braine-l'Alleud · Eq €730k
BOUWONDERNEMING BECK
BE 0887.193.672
Sint-Niklaas · Eq €729k
DENYS
BE 0428.717.333
Ledegem · Eq €729k
VOSSELAARS BOUWBEDRIJF
BE 0807.628.334
Herentals · Eq €729k
Of 29,810 companies in sector 41001 we hold annual accounts for 16,041. 7,712 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-11-2000
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43990Other specialised construction activities
43999Specialised construction activities
45211
45250
43331Floor and wall tiling
47521Retail sale of hardware, building materials, paint and glass (general range)
52461
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.