MARECHAL - SERVICE
ActiveMARECHAL - SERVICE has been active since 1978 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €323k and a net result of €18k. Equity is growing by ~12.1% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2026
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability68▲+1
Solvency67▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 1.69 against 1.56 in 2025; short-term debt: 57.8% and cash: 13.1% of total assets), but 57.8% 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
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
42.2%
Return on assets
2.4%
Age of the figures
6 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 31-08-2026, 61 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
61 d early
2025
31 d early
2024
on the day
2023
61 d early
2022
on the day
2021
61 d early
2020
31 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€18k▼ 61.1%
2025 · €47k
2019: €-53k
2020: €-82k
2021: €52k
2022: €36k
2023: €36k
2024: €37k
2025: €47k
2019 → 2026
Working capital
€306k▼ 0.3%
2025 · €307k
2019: €126k
2020: €61k
2021: €118k
2022: €163k
2023: €206k
2024: €246k
2025: €307k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€215k-€250k▲ 16.5%€258k▲ 3.2%€305k▲ 18.1%€323k▲ 6.0%
Operating result€46k-€87k▲ 88.2%€52k▼ 40.8%€79k▲ 51.9%€34k▼ 56.6%
Net result€36k-€36k▼ 1.5%€37k▲ 4.1%€47k▲ 26.4%€18k▼ 61.1%
Result per fiscal year
Operating resultNet result
The operating result falls in 2026; 2026 is 57% below 2025 and is the lowest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €766k
Fixed assets
€18k▼ 13.2%
Current assets
€749k▼ 12.0%
Equity and liabilities €766k
Equity
€323k▲ 6.0%
Debt
€443k▼ 21.8%
The debt ratio falls from 65.0% to 57.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€44k▼
2025 · €90k
Cash flow
€28k▼
2025 · €58k
Solvency
42.2%▲
2025 · 35.0%
Current ratio
1.69▲
2025 · 1.56
Quick ratio
1.15▲
2025 · 1.12
Debt / equity
1.37▼
2025 · 1.86
ROE
5.6%▼
2025 · 15.3%
ROA
2.4%▼
2025 · 5.4%
Interest coverage
5.61▲
2025 · 5.03
Debt
€443k▼
2025 · €566k
Debt ≤ 1 year
€443k▼
2025 · €545k
Income taxes
€11k▼
2025 · €26k
Staff costs
€762k▲
2025 · €724k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€871k€766k▼
Fixed assets21/28€20k€18k▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€19k€16k▼
Plant, machinery and equipment23€9k€8k▼
Furniture and vehicles24€10k€8k▼
Financial fixed assets28€1k€1k=
Current assets29/58€851k€749k▼
Stocks and contracts in progress3€239k€239k▼
Stocks30/36€239k€239k▼
Amounts receivable within one year40/41€477k€379k▼
Trade receivables40€399k€304k▼
Other amounts receivable41€78k€75k▼
Cash at bank and in hand54/58€105k€100k▼
Deferred charges and accrued income490/1€30k€31k▲
Equity and liabilities
Total equity and liabilities10/49€871k€766k▼
Equity10/15€305k€323k▲
Contributions10/11€62k€62k=
Capital10€62k-
Issued capital100€62k-
Reserves13€81k€81k=
Non-distributable reserves130/1€7k€7k=
Legal reserve130€6k-
Reserves not available under the articles1311€405€7k▲
Tax-exempt reserves132€25k€25k=
Distributable reserves133€49k€49k=
Profit (loss) carried forward14€162k€180k▲
Amounts payable17/49€566k€443k▼
Amounts payable after more than one year17€6k-
Financial debts170/4€6k-
Amounts payable within one year42/48€545k€443k▼
Current portion of amounts payable after more than one year42€8k€6k▼
Financial debts43€100k€100k=
Credit institutions430/8€100k€100k=
Trade debts44€180k€188k▲
Suppliers440/4€180k€188k▲
Advances received on contracts in progress46€108k€55k▼
Taxes, remuneration and social security45€148k€89k▼
Taxes450/3€31k€18k▼
Remuneration and social security454/9€117k€71k▼
Other amounts payable47/48-€6k
Accrued charges and deferred income492/3€16k-
Income statement
Code20252026
Non-recurring operating income76A€5k-
Remuneration, social security and pensions62€724k€762k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€10k▼
Other operating charges640/8€23k€2k▼
Non-recurring operating charges66A-€83
Gross operating margin9900€837k€807k▼
Operating profit (loss)9901€79k€34k▼
Financial income75/76B€12k€3k▼
Recurring financial income75€12k€3k▼
Financial charges65/66B€18k€8k▼
Recurring financial charges65€18k€8k▼
Profit (loss) for the period before taxes9903€73k€29k▼
Income taxes67/77€26k€11k▼
Profit (loss) for the period9904€47k€18k▼
Profit (loss) for the period to be appropriated9905€47k€18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€163k€180k▲
Profit (loss) brought forward from the previous period14P€116k€162k▲
Transfer to equity691/2€641-
To the legal reserve6920€641-
Social balance
Average headcount (FTE)908714.916.4▲
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 2027, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
31-03
Financial
Equity above €200kEq €215k ▲20.2%
2 profitable years in a row build equity to €215k.
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
31-03
Financial
Back to profitnet €52k
Net result €52k after 2 loss-making years.
31-03
Financial
Equity above €150kEq €179k ▲41.4%
Equity rises from €126k to €179k.
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
31-03
Financial
Weakest financial yearnet €-82k
Net result drops to €-82k, the lowest in the series; recovery starts the following year.
2019
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
25-02
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 117 days late
2017
12-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Mons · 1 establishment unit since 1978
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 de Ciply (C.) 4547033 MonsGround area
619 m²
Building footprint
104 m²
Volume, LiDAR
719 m³
Parcel 53019C0606/00H000, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Ciply (C.) 454, 7033 Mons
since 19782.014.815.605
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53019C0606/00H000 | Wallonia | 619 m² | 1 · 104 m² | 8.1 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.
Similar companies · same sector, comparable size
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RECTILUX
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DE SCHEPPER JULIEN
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TYTGAT TIMO
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Of 2,544 companies in sector 95290 we hold annual accounts for 415. 279 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-04-1978
Fiscal year end31-03
Activities, NACEBEL
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
45332
52740
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.