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Marfinesse

Active
Private limited companyfounded 2009active for 17 yearsOostereindestraat 84, 3560 Lummen, BelgiumKBO/BCE: BE 0817.531.935
Summary

Marfinesse has been active since 2009 and the Belgian Official Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €121,571 and a net result of €28,347. Equity has been growing by about 30% per year since 2019. The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 10-07-2009 Normal situation
Activity
Manufacture of textiles NACE 13921
Establishment units
2.180.376.094 3560 Lummen, since 03-08-2009
2.180.378.668 3530 Houthalen-Helchteren, since 03-08-2009
Financial year end
31 March
Peppol
Reachable since 13-11-2025

Financial position

97 Excellent Checked score 2026
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts to 31-03-2026
Gross margin
€65,424
▲ 70.2%
Turnover
≈ €200,000
estimated
Profit
€28,347
▲ 179%
Equity
€121,571
▲ 29.2%
Total assets
€225,924
▲ 15.2%
Score breakdownlowers riskLiquidity: current ratio 2.43, cash €104,294Equity €121,571 (53.8% of total assets)Size: total assets €225,924Sector: Manufacture of textiles (NACE 13)Show the evidence

Checked score

Score 2026
97 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 76% of micro companies in textiles (NACE 13)
Financial strength · tick: 2025
Strong
Solvency 79+6
equity 53.8% of total assets
Liquidity 85-1
short-term debt 33.4% · cash 46.2%
Profitability 84+9
return on assets 12.5%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (496 companies, NACE 13, micro)
Last 24 months 12-2024: < 0.1% 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: 0.1%▲ +0.1 percentage points vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025highest value 12-2025: < 0.1%▼ -0.1 percentage points vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: 0.1%▲ +0.1 percentage points vs 09-2026 11-2026: < 0.1%▼ -0.1 percentage points vs 10-2026lowest value
Credit of up to €11,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.43 (2.2 in 2025), above the usual 1.5. Short-term debt is 33.4% and cash 46.2% of total assets. 46.2% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 13, micro). It does better than 57% of them on solvency, 87% on liquidity, 76% on profitability and 84% on growth.

The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

The probability rests on the annual accounts with balance sheet date 31-03-2026.

Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskneutral
lowers risk · Liquidity: current ratio 2.43, cash €104,294
NBB · annual accounts
lowers risk · Equity €121,571 (53.8% of total assets)
NBB · annual accounts
lowers risk · Size: total assets €225,924
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Sector: Manufacture of textiles (NACE 13)
KBO
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 29-10-2026, 2 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2026
2 days early
2025
1 day early
2024
on the day
2023
2 days early
2022
on the day
2021
3 days late
2020
34 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 5 days after the deadline. In the sector (NACE 13), the median for financial year 2024 was 13 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today. The company usually files around 30 October (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
05-11-2026 today31-03-2027 year end31-10-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: 6 profitable years in a rowprofit 2026: €28,347 6 years View
  • Positive: Filed on time since financial year 2022accounts within the deadline every year 5 years View

Recent changes

  1. · Gazette deed Change of role: TULLEN Marylène Marie Louise Francine, from manager to directorDirector discharge: TULLEN Marylène Marie Louise Francine
  2. · Gazette deed Incorporation
All 15 events

Comparable companies

These companies have the same main activity as Marfinesse: manufacture of textiles (NACE 13921). They are comparable in size and age: total assets between €112,000 and €543,000, founded between 2001 and 2014.

CompanyTotal assetsGross margin
Marfinesse Lummen€225,924€65,424
KARO Kruisem€297,711€139,317
BRIAX Diest€404,283€53,671
Fico Belgium Zonhoven€220,779€169,604
ANA DECO Schaerbeek€112,235€30,487
Made to Measure Lasne€260,665€18,262
I SLEEP COMFORT Antwerp€542,657€58,323
Full comparison

Key facts about Marfinesse

What is the company number of Marfinesse?
The company number of Marfinesse is 0817.531.935. The VAT number is the same number with BE in front: BE 0817.531.935.
Where is Marfinesse based?
The registered office is at Oostereindestraat 84, 3560 Lummen.Company details
What does Marfinesse do?
According to the KBO register, the main activity is manufacture of textiles (NACE 13921).
What is the legal form of Marfinesse?
Marfinesse is a private limited company (BV).
When was Marfinesse founded?
Marfinesse was founded on 10-07-2009.
Is Marfinesse still active?
Yes, Marfinesse is an active enterprise in the KBO register.
What is the turnover of Marfinesse?
The turnover in financial year 2026 is ≈ €200,000. This figure is estimated from the gross margin of €65,424 and 2,663 comparable companies of the same size. It probably lies between €130,000 and €340,000. It is a rough estimate.Financials
Is Marfinesse profitable?
In financial year 2026, Marfinesse made a profit of €28,347.
Where can I find the annual accounts of Marfinesse?
Marfinesse filed 16 annual accounts with the National Bank of Belgium, the latest for financial year 2026.
When are the next annual accounts of Marfinesse due?
Marfinesse must file the annual accounts for financial year 2027 by 31-10-2027.Timeline

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