MARCHAL Construction Holding 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 €410k and a net result of €311k. Its solvency ranks better than 34% of 8013 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2025, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
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 · 1 filingDeviation from the deadline
2025
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€410k
Net result
€311k
Total assets
€1.30M
Solvency
31.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €1.30M
Fixed assets
€982k
Current assets
€319k
Equity and liabilities €1.30M
Equity
€410k
Debt
€891k
Debt finances 68.5% of the balance-sheet total.
Key figures and ratios
Solvency
31.5%
ROE
75.8%
ROA
23.9%
Debt
€891k
Debt ≤ 1 year
€528k
Debt > 1 year
€362k
Income taxes
€3k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€1.30M
Fixed assets21/28€982k
Tangible fixed assets22/27€1k
Other tangible fixed assets26€1k
Financial fixed assets28€981k
Current assets29/58€319k
Amounts receivable within one year40/41€312k
Trade receivables40€3k
Other amounts receivable41€309k
Cash at bank and in hand54/58€6k
Equity and liabilities
Total equity and liabilities10/49€1.30M
Equity10/15€410k
Contributions10/11€100k
Profit (loss) carried forward14€310k
Amounts payable17/49€891k
Amounts payable after more than one year17€362k
Financial debts170/4€362k
Amounts payable within one year42/48€528k
Current portion of amounts payable after more than one year42€370k
Trade debts44€3k
Suppliers440/4€3k
Taxes, remuneration and social security45€29k
Taxes450/3€29k
Other amounts payable47/48€126k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k
Gross operating margin9900€36k
Operating profit (loss)9901€34k
Financial income75/76B€300k
Recurring financial income75€300k
Financial charges65/66B€20k
Recurring financial charges65€20k
Profit (loss) for the period before taxes9903€314k
Income taxes67/77€3k
Profit (loss) for the period9904€311k
Profit (loss) for the period to be appropriated9905€311k
Appropriation of the result
Profit (loss) to be appropriated9906€311k
Profit to be distributed694/7€833
Return on contributions (dividend)694€833
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Genappe · 1 establishment unit since 2025
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.
Rue Croisette 321470 GenappeGround area
1,171 m²
Building footprint
157 m²
Volume, LiDAR
791 m³
Parcel 25003E0136/00B000, Wallonia · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MARCHAL Construction Holding
since 20252.372.276.540
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25003E0136/00B000 | Wallonia | 1,171 m² | 1 · 157 m² | 6.9 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 24,728 companies in sector 64210 we hold annual accounts for 19,760. 13,726 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-01-2025
Fiscal year end31-12
Abbreviation FR
MCH
Activities, NACEBEL
64210Activities of holding companies
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.