Summary
MARED GROEP 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 €1.95M and a net result of €1.70M. Equity is growing by ~13.4% per year across the filed fiscal years. Its solvency ranks better than 87% of 5547 sector peers (fiscal year 2025). The company has been active since 2007 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 check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
on the day
2023
5 d early
2022
122 d late
2021
152 d late
2020
89 d late
2019
105 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.95M▲ 276%
2024 · €518k
2018: €281k
2019: €283k
2020: €380k
2021: €349k
2022: €340k
2023: €491k
2024: €518k
2018 → 2025
Net result
€1.70M▲ 6,283%
2024 · €27k
2018: €18k
2019: €2k
2020: €97k
2021: €-30k
2022: €-10k
2023: €152k
2024: €27k
2018 → 2025
Total assets
€2.12M▲ 4.9%
2024 · €2.02M
2018: €1.96M
2019: €1.96M
2020: €2.13M
2021: €2.05M
2022: €2.00M
2023: €2.04M
2024: €2.02M
2018 → 2025
Solvency
92.0%▲ 66.4pp
2024 · 25.7%
2018: 14.4%
2019: 14.5%
2020: 17.9%
2021: 17.1%
2022: 17.0%
2023: 24.1%
2024: 25.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€349k-€340k▼ 2.8%€491k▲ 44.6%€518k▲ 5.4%€1.95M▲ 276%
Operating result€10k-€18k▲ 69.6%€62k▲ 254%€53k▼ 14.5%€-177k
Net result€-30k-€-10k▲ 67.6%€152k€27k▼ 82.4%€1.70M▲ 6,283%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €177k after €53k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.12M
Fixed assets
€237k ▼ 87.2%
Current assets
€1.88M ▲ 999%
Equity and liabilities €2.12M
Equity
€1.95M ▲ 276%
Debt
€169k ▼ 88.7%
Debt's share of the balance-sheet total falls from 74.3% to 8.0%. Equity is higher and debt is lower.
Key figures and ratios
ROE
87.4%▲
2024 · 5.2%
ROA
80.4%▲
2024 · 1.3%
Debt ≤ 1 year
€168k▲
2024 · €155k
Debt > 1 year
€0▼
2024 · €1.35M
Income taxes
€166k▲
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.02M€2.12M▲
Fixed assets21/28€1.85M€237k▼
Tangible fixed assets22/27€44k€37k▼
Land and buildings22€7k€7k=
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€36k€29k▼
Financial fixed assets28€1.80M€200k▼
Current assets29/58€171k€1.88M▲
Amounts receivable within one year40/41€23k€826k▲
Other amounts receivable41€23k€826k▲
Cash at bank and in hand54/58€115k€1.05M▲
Deferred charges and accrued income490/1€33k€7k▼
Equity and liabilities
Total equity and liabilities10/49€2.02M€2.12M▲
Equity10/15€518k€1.95M▲
Contributions10/11€219k€219k=
Reserves13€241k€1.68M▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€241k€1.68M▲
Profit (loss) carried forward14€58k€53k▼
Amounts payable17/49€1.50M€169k▼
Amounts payable after more than one year17€1.35M€0▼
Other amounts payable178/9€1.35M€0▼
Amounts payable within one year42/48€155k€168k▲
Trade debts44€2k€562▼
Suppliers440/4€2k€562▼
Taxes, remuneration and social security45€22k€167k▲
Taxes450/3€22k€167k▲
Other amounts payable47/48€130k€0▼
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Non-recurring operating income76A€10k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€9k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€58k€-166k▼
Operating profit (loss)9901€53k€-177k▼
Financial income75/76B€28k€2.05M▲
Recurring financial income75€28k€441k▲
Non-recurring financial income76B-€1.61M
Financial charges65/66B€51k€425▼
Recurring financial charges65€51k€425▼
Profit (loss) for the period before taxes9903€30k€1.87M▲
Income taxes67/77€3k€166k▲
Profit (loss) for the period9904€27k€1.70M▲
Profit (loss) for the period to be appropriated9905€27k€1.70M▲
Appropriation of the result
Profit (loss) to be appropriated9906€85k€1.76M▲
Profit (loss) brought forward from the previous period14P€58k€58k=
Transfer from equity791/2-€214k
Transfer to equity691/2€27k€1.65M▲
To other reserves6921€27k€1.65M▲
Profit to be distributed694/7-€272k
Return on contributions (dividend)694-€272k
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (13 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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €1.70M ▲6,283%
Net result €1.70M, the highest in the series.
31-12
Financial
Liquidity times 10current ratio 11.20
Current ratio from 1.11 to 11.20.
31-12
Financial
Equity above €1MEq €1.95M ▲276%
3 profitable years in a row build equity to €1.95M.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Equity above €500kEq €518k ▲5.4%
2 profitable years in a row build equity to €518k.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €152k
Net result €152k after 2 loss-making years.
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 122 days late
2022
30-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 152 days late
2021
31-12
Financial
Weakest financial yearnet €-30k
Net result drops to €-30k, the lowest in the series; recovery starts the following year.
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 89 days late
Show earlier events
2020
31-12
Financial
Liquidity triplescurrent ratio 1.17
Current ratio from 0.45 to 1.17.
13-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 105 days late
2019
03-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 64 days late
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
20-06
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.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Burg-Reuland · 1 establishment unit since 2007
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.
Kemperberg, Ouren 604790 Burg-Reuland1 establishment unit
Kemperberg, Ouren 60, 4790 Burg-Reuland
since 20072.163.900.348
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 10,983 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-04-2007
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filings
Scores and ratios are computed by Checked and are not a credit decision.