MARCOLAC
ActiveSummary
The annual accounts of MARCOLAC for fiscal year 2025 show a net loss of 91% of the equity at the start of that year. The 2025 annual accounts show equity of €826 and a net result of -€8,446. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 23% of 18606 sector peers (fiscal year 2025). The company has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability1▼-74
Solvency26▼-15
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.94 against 1.0 in 2024; short-term debt: 97% and cash: 4.3% of total assets), and 98.6% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
1.4%
Return on assets
-14.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 18606 sector peers (2025).
NBB · sector comparisonPosition among 18606 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 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
7 d late
2024
12 d late
2023
12 d late
2022
24 d late
2021
18 d late
2020
20 d late
2019
70 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 23 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 13 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, micro schema
In the rankings
#2 oldest company in Lens, Wholesale and retail trade sector
Equity
€826▼ 91.1%
2024 · €9,272
Total assets
€57,939▼ 2.3%
2024 · €59,324
Net result
-€8,446
2024 · €2,883
Working capital
-€3,641
2024 · €10
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€7,208-€6,957€6,377€3,633▼ 43.0%-€8,398
Net result€6,736within the sector's middle half-€7,143below the sector's middle half€6,277within the sector's middle half€2,883within the sector's middle half▼ 54.1%-€8,446below the sector's middle half
Equity€7,255within the sector's middle half▲ 1,296%€112below the sector's middle half▼ 98.5%€6,389within the sector's middle half▲ 5,608%€9,272within the sector's middle half▲ 45.1%€826below the sector's middle half▼ 91.1%
Total assets€72,069within the sector's middle half▲ 105%€67,574within the sector's middle half▼ 6.2%€71,435within the sector's middle half▲ 5.7%€59,324within the sector's middle half▼ 17.0%€57,939within the sector's middle half▼ 2.3%
Debt€64,813▲ 86.8%€67,463▲ 4.1%€65,045▼ 3.6%€50,052▼ 23.1%€57,112▲ 14.1%
Working capital-€16,507below the sector's middle half-€16,300below the sector's middle half▲ 1.3%-€5,179within the sector's middle half▲ 68.2%€10within the sector's middle half-€3,641within the sector's middle half
Solvency10.1%within the sector's middle half▲ 8.6pp0.2%below the sector's middle half▼ 9.9pp8.9%within the sector's middle half▲ 8.8pp15.6%within the sector's middle half▲ 6.7pp1.4%below the sector's middle half▼ 14.2pp
Current ratio0.73below the sector's middle half▼ 0.410.74below the sector's middle half▲ 0.010.91within the sector's middle half▲ 0.181.00within the sector's middle half▲ 0.090.94within the sector's middle half▼ 0.06
Return on assets (ROA)9.3%within the sector's middle half▲ 24.9pp-10.6%below the sector's middle half▼ 19.9pp8.8%within the sector's middle half▲ 19.4pp4.9%within the sector's middle half▼ 3.9pp-14.6%below the sector's middle half▼ 19.4pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8,398 after €3,633 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €57,939
Fixed assets
€5,372 ▼ 49.5%
Current assets
€52,566 ▲ 8.0%
Equity and liabilities €57,939
Equity
€826 ▼ 91.1%
Debt
€57,112 ▲ 14.1%
Debt's share of the balance-sheet total rises from 84.4% to 98.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€2,022▼
2024 · €9,812
Cash flow
-€2,069▼
2024 · €9,062
Quick ratio
0.82▼
2024 · 0.85
Interest coverage
-7.64▼
2024 · 39.85
Debt ≤ 1 year
€56,208▲
2024 · €48,673
Equity ratios withheld: equity of €826 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 541 companies that looked in July 2024 the way this one looks now, 4.4% went bankrupt within 24 months and 86% are still going.
- Micro
- 20 years or older
- solvency under 10%
- a loss of 10% of the balance sheet or more
4.4%
went bankrupt
8.5%
stopped otherwise
86%
still going
A further 1.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 541 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,096 | €6,135 | €6,183 | €6,179 | €6,376 | ▲ 3.2% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €1,479 | - | €1,338 | - | - |
| Other operating charges640/8 | €249 | €149 | €74 | €149 | €386 | ▲ 159% |
| Non-recurring operating charges66A | €423 | - | - | - | - | - |
| Gross operating margin9900 | €10,976 | €805 | €12,635 | €11,299 | -€1,636 | ▼ 114% |
| Operating profit (loss)9901 | €7,208 | -€6,957 | €6,377 | €3,633 | -€8,398 | ▼ 331% |
| Financial income75/76B | €0 | €6 | €126 | €120 | €217 | ▲ 80.5% |
| Recurring financial income75 | €0 | €6 | €6 | €0 | €1 | ▲ 354% |
| Non-recurring financial income76B | - | - | €120 | €120 | €216 | ▲ 80.0% |
| Financial charges65/66B | €473 | €192 | €226 | €246 | €265 | ▲ 7.5% |
| Recurring financial charges65 | €473 | €192 | €226 | €246 | €265 | ▲ 7.5% |
| Profit (loss) for the period before taxes9903 | €6,736 | -€7,143 | €6,277 | €3,507 | -€8,446 | ▼ 341% |
| Income taxes67/77 | - | - | - | €624 | - | - |
| Profit (loss) for the period9904 | €6,736 | -€7,143 | €6,277 | €2,883 | -€8,446 | ▼ 393% |
| Profit (loss) for the period to be appropriated9905 | €6,736 | -€7,143 | €6,277 | €2,883 | -€8,446 | ▼ 393% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €72,069 | €67,574 | €71,435 | €59,324 | €57,939 | ▼ 2.3% |
| Fixed assets21/28 | €28,392 | €22,258 | €16,396 | €10,642 | €5,372 | ▼ 49.5% |
| Tangible fixed assets22/27 | €27,392 | €21,258 | €15,396 | €9,642 | €4,372 | ▼ 54.7% |
| Plant, machinery and equipment23 | €392 | €309 | €227 | €144 | €302 | ▲ 109% |
| Furniture and vehicles24 | €27,001 | €20,949 | €15,169 | €9,497 | €4,070 | ▼ 57.1% |
| Financial fixed assets28 | €1,000 | €1,000 | €1,000 | €1,000 | €1,000 | = |
| Current assets29/58 | €43,676 | €45,317 | €55,039 | €48,683 | €52,566 | ▲ 8.0% |
| Stocks and contracts in progress3 | €2,734 | €5,685 | €4,695 | €7,473 | €6,555 | ▼ 12.3% |
| Stocks30/36 | €2,734 | €5,685 | €4,695 | €7,473 | €6,555 | ▼ 12.3% |
| Amounts receivable within one year40/41 | €20,041 | €22,789 | €29,559 | €21,116 | €42,782 | ▲ 103% |
| Trade receivables40 | €19,722 | €22,220 | €29,471 | €20,808 | €41,292 | ▲ 98.4% |
| Other amounts receivable41 | €319 | €569 | €89 | €308 | €1,489 | ▲ 383% |
| Cash at bank and in hand54/58 | €20,496 | €16,842 | €20,191 | €19,425 | €2,509 | ▼ 87.1% |
| Deferred charges and accrued income490/1 | €406 | - | €594 | €669 | €721 | ▲ 7.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €72,069 | €67,574 | €71,435 | €59,324 | €57,939 | ▼ 2.3% |
| Equity10/15 | €7,255 | €112 | €6,389 | €9,272 | €826 | ▼ 91.1% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Profit (loss) carried forward14 | -€13,196 | -€20,339 | -€14,062 | -€11,179 | -€19,625 | ▼ 75.5% |
| Amounts payable17/49 | €64,813 | €67,463 | €65,045 | €50,052 | €57,112 | ▲ 14.1% |
| Amounts payable after more than one year17 | €4,000 | €4,000 | €4,000 | - | - | - |
| Financial debts170/4 | €4,000 | €4,000 | €4,000 | - | - | - |
| Amounts payable within one year42/48 | €60,183 | €61,616 | €60,218 | €48,673 | €56,208 | ▲ 15.5% |
| Trade debts44 | €37,126 | €43,332 | €49,305 | €43,106 | €52,699 | ▲ 22.3% |
| Suppliers440/4 | €36,426 | €43,332 | €49,305 | €43,106 | €52,699 | ▲ 22.3% |
| Bills of exchange payable441 | €700 | - | - | - | - | - |
| Taxes, remuneration and social security45 | €94 | - | €168 | €624 | €624 | = |
| Taxes450/3 | €94 | - | €168 | €624 | €624 | = |
| Other amounts payable47/48 | €22,963 | €18,284 | €10,744 | €4,943 | €2,884 | ▼ 41.7% |
| Accrued charges and deferred income492/3 | €630 | €1,846 | €828 | €1,379 | €905 | ▼ 34.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6,736 | -€7,143 | €6,277 | €2,883 | -€8,446 | ▼ 393% |
| + Depreciation and write-downs630 | €3,096 | €6,135 | €6,183 | €6,179 | €6,376 | ▲ 3.2% |
| Operating cash flow (approximation) | €9,832 | -€1,009 | €12,460 | €9,062 | -€2,069 | ▼ 123% |
| Investment in fixed assets (approximation) | - | €0 | -€321 | -€424 | -€1,107 | ▼ 161% |
| Change in cash | - | -€3,654 | €3,349 | -€766 | -€16,915 | ▼ 2,107% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 7 days late
2025
31-12
Financial
Weakest financial yearnet -€8,446
Net result drops to -€8,446, the lowest in the series.
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
2024
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
31-12
Financial
Back to profitnet €6,277
Net result €6,277 after one loss-making year.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
31-12
Financial
Back to profitnet €6,736
Net result €6,736 after 2 loss-making years.
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 70 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Lens (Hainaut) · 1 establishment unit since 1988
Ground area
1,019 m²
Building footprint
164 m²
Parcel 53016A0999/00Y000, Wallonia. Linked by address, not a title deed.
1 establishment unit
MARCOLAC
since 19882.040.253.953
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53016A0999/00Y000 | Wallonia | 1,019 m² | 1 · 164 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLens2.040.253.953
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Of 396 companies in sector 47271 we hold annual accounts for 154. 14 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded10-09-1988
Fiscal year end31-12
Activities, NACEBEL 2025
47271Retail trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0435231377
Also
9925:BE0435231377
Registered
16-05-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.