MARDAI

Active

Private limited companyfounded 20241 yr activeRode Kruisstraat 39, 3930 Hamont-Achel, BelgiumKBO/BCE: BE 1015.711.546

MARDAI has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52k and a net result of €48k. Its solvency ranks better than 41% of 11282 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).

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Checked score

Score 2025

70 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes

Profitability100

Solvency55

Growth-

Track record67

Bankruptcy probability, 12 months

1.3% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €3.5k at 30 days acceptable

Liquidity ample (current ratio 2.04; short-term debt: 34.3% and cash: 20.6% of total assets), but 69.8% of the assets are financed with debt.

How do we compute the score and the probability?

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

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 46

Relative position

BE, all sectors

reference

Sector 46

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

30.2%

Return on assets

28.2%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-07-2026, 16 days ahead of the deadline.

NBB · 1 filing

Deviation from the deadline

2025

16 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€52k

Total assets

€171k

Net result

€48k

Working capital

€61k

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition

Assets €171k

30.3%

69.7%

Fixed assets €52k

Current assets €119k

Equity and liabilities €171k

30.2%

69.8%

Equity €52k

Debt €119k

Debt finances 69.8% of the balance-sheet total.

Key figures and ratios

2025 value

EBITDA

€70k

Cash flow

€55k

Solvency

30.2%

Current ratio

2.04

Quick ratio

0.94

Debt / equity

2.31

ROE

93.5%

ROA

28.2%

Interest coverage

25.33

Debt

€119k

Debt ≤ 1 year

€59k

Debt > 1 year

€61k

Income taxes

€12k

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€171k

Fixed assets21/28€52k

Tangible fixed assets22/27€48k

Land and buildings22€15k

Plant, machinery and equipment23€5k

Furniture and vehicles24€27k

Financial fixed assets28€4k

Current assets29/58€119k

Stocks and contracts in progress3€64k

Stocks30/36€64k

Amounts receivable within one year40/41€20k

Trade receivables40€13k

Other amounts receivable41€7k

Cash at bank and in hand54/58€35k

Deferred charges and accrued income490/1€232

Equity and liabilities

Total equity and liabilities10/49€171k

Equity10/15€52k

Contributions10/11€5k

Reserves13€47k

Distributable reserves133€47k

Profit (loss) carried forward14€0

Amounts payable17/49€119k

Amounts payable after more than one year17€61k

Financial debts170/4€61k

Amounts payable within one year42/48€59k

Current portion of amounts payable after more than one year42€19k

Trade debts44€12k

Suppliers440/4€12k

Taxes, remuneration and social security45€13k

Taxes450/3€13k

Other amounts payable47/48€15k

Income statement Code2025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k

Other operating charges640/8€897

Gross operating margin9900€71k

Operating profit (loss)9901€63k

Financial income75/76B€83

Recurring financial income75€83

Financial charges65/66B€3k

Recurring financial charges65€3k

Profit (loss) for the period before taxes9903€61k

Income taxes67/77€12k

Profit (loss) for the period9904€48k

Profit (loss) for the period to be appropriated9905€48k

Appropriation of the result

Profit (loss) to be appropriated9906€48k

Transfer to equity691/2€47k

To other reserves6921€47k

Profit to be distributed694/7€2k

Return on contributions (dividend)694€2k

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2026

15-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

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, Hamont-Achel · 2 establishment units since 2024

establishment All 2 establishment units on the map

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.

Rode Kruisstraat 393930 Hamont-Achel

Ground area

6,420 m²

Building footprint

2,604 m²

Volume, LiDAR

16,117 m³

2 parcels, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.

2 establishment units

MARDAI

Rode Kruisstraat 39, 3930 Hamont-AchelRepair, maintenance and installation of machinery and equipment

since 20242.366.132.777

Kastelsedijk 38, 2480 Dessel

Plumbing work

since 20262.389.561.445

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
13006F0006/00K002	Flanders	5,698 m²	1 · 2,402 m²	8.9 m · 2 fl.
72012C0023/00R000	Flanders	723 m²	1 · 202 m²	6.5 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.

Public money · subsidies and aid

Flemish government

2025 · 1 entry · 107 EUR awarded · 107 EUR paid

Year	Entries	awarded	paid
2025	1	107 EUR	107 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

1 entry · 107 EUR · 107 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

Ottignies-Louvain-la-Neuve · Eq €51k

Of 1,137 companies in sector 46130 we hold annual accounts for 646. 481 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded29-10-2024

Fiscal year end31-12

Activities, NACEBEL

46130Agents in the wholesale of timber and building materials

43221Plumbing work

43240Other construction installation

43299Specialised construction activities

46831Wholesale of construction materials, general range

46842Wholesale trade

85599Other education

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.