MARCO & VESPUCCI
ActiveMARCO & VESPUCCI has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13k and a net result of €3k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 87% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▼-9
Solvency100▲+3
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 4.56 against 3.5 in 2024; short-term debt: 20% and cash: 30.7% of total assets), and 20% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
80%
Return on assets
17.8%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €13k
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
34 d early
2023
23 d early
2022
35 d early
2021
30 d early
2020
32 d early
2019
28 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€13k▲ 28.6%
2024 · €10k
2018: €24k
2019: €5k
2020: €3k
2021: €4k
2022: €-3k
2023: €2k
2024: €10k
2018 → 2025
Total assets
€16k▲ 15.3%
2024 · €14k
2018: €35k
2019: €17k
2020: €11k
2021: €9k
2022: €9k
2023: €6k
2024: €14k
2018 → 2025
Net result
€3k▼ 63.4%
2024 · €8k
2018: €9k
2019: €-19k
2020: €-3k
2021: €2k
2022: €-7k
2023: €5k
2024: €8k
2018 → 2025
Working capital
€12k▲ 16.5%
2024 · €10k
2018: €21k
2019: €3k
2020: €-439
2021: €2k
2022: €-3k
2023: €2k
2024: €10k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4k-€-3k€2k€10k▲ 359%€13k▲ 28.6%
Operating result€2k-€-7k€5k€8k▲ 64.9%€2k▼ 69.7%
Net result€2k-€-7k€5k€8k▲ 63.2%€3k▼ 63.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 70% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €16k
Fixed assets
€1k▲ 631%
Current assets
€15k▲ 6.5%
Equity and liabilities €16k
Equity
€13k▲ 28.6%
Debt
€3k▼ 18.4%
The debt ratio falls from 28.2% to 20.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€3k
Cash flow
€3k
Solvency
80.0%▲
2024 · 71.8%
Current ratio
4.56▲
2024 · 3.50
Quick ratio
4.56▲
2024 · 3.50
Debt / equity
0.25▼
2024 · 0.39
ROE
22.2%▼
2024 · 78.2%
ROA
17.8%▼
2024 · 56.2%
Interest coverage
21.35
Debt
€3k▼
2024 · €4k
Debt ≤ 1 year
€3k▼
2024 · €4k
Income taxes
€1▲
2024 · €0
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€14k€16k▲
Fixed assets21/28€200€1k▲
Tangible fixed assets22/27-€1k
Furniture and vehicles24-€1k
Financial fixed assets28€200€200=
Current assets29/58€14k€15k▲
Amounts receivable within one year40/41€12k€10k▼
Trade receivables40€5k€2k▼
Other amounts receivable41€7k€7k▼
Cash at bank and in hand54/58€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€14k€16k▲
Equity10/15€10k€13k▲
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-12k€-9k▲
Amounts payable17/49€4k€3k▼
Amounts payable within one year42/48€4k€3k▼
Financial debts43€623€1k▲
Credit institutions430/8€623€1k▲
Trade debts44€1k€535▼
Suppliers440/4€1k€535▼
Taxes, remuneration and social security45€2k€1k▼
Taxes450/3€2k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€52
Other operating charges640/8€387€400▲
Gross operating margin9900€9k€3k▼
Operating profit (loss)9901€8k€2k▼
Financial income75/76B€325€551▲
Recurring financial income75€325€551▲
Financial charges65/66B€529€118▼
Recurring financial charges65€529€118▼
Profit (loss) for the period before taxes9903€8k€3k▼
Income taxes67/77€0€1▲
Profit (loss) for the period9904€8k€3k▼
Profit (loss) for the period to be appropriated9905€8k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€-9k▲
Profit (loss) brought forward from the previous period14P€-20k€-12k▲
The notes to these accounts (6 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 3.50
Current ratio from 1.60 to 3.50.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.60
Current ratio from 0.76 to 1.60; short-term debt falls from €12k to €3k.
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-19k ▼315%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
10-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
08-06
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Eghezée · 1 establishment unit since 2013
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 Ernest Feron,Bolinne 645310 EghezéeGround area
1,835 m²
Building footprint
61 m²
Parcel 92015B0101/00L000, Wallonia. Linked by address, not a title deed.
1 establishment unit
MARCO & VESPUCCI
since 20132.217.695.063
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92015B0101/00L000 | Wallonia | 1,835 m² | 1 · 61 m² | - |
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 12,959 companies in sector 47120 we hold annual accounts for 2,190. 1,295 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded18-03-2013
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
01240Growing of pome and stone fruits
01250Crop and animal production, hunting and related service activities
02100Forestry and logging
18130Pre-press and pre-media services
58190Other publishing activities, excluding software publishing
62010Computer programming, consultancy and related activities
62100Computer programming
70200Business and other management consultancy
70220Business consulting
73120Media representation
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.