MARFINTEL
ActiveMARFINTEL has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €7k and a net result of €14k. Equity is growing by ~73% per year across the filed fiscal years. Its solvency ranks better than 26% of 37971 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
66
/ 100
Healthy▲ +58 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+100
Solvency43▲+10
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 1.0 against 0.21 in 2023), and 72% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 · 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 2024Solvency, return and age of the figures
Solvency
28%
Return on assets
54.5%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-07-2025, 27 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
27 d early
2023
20 d late
2022
7 d early
2021
31 d early
2020
31 d early
2019
31 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€7k
2023 · €-7k
2018: €-44k
2019: €-35k
2020: €-35k
2021: €-12k
2022: €-8k
2023: €-7k
2018 → 2024
Total assets
€25k▲ 30.6%
2023 · €19k
2018: €5k
2019: €10k
2020: €7k
2021: €40k
2022: €29k
2023: €19k
2018 → 2024
Net result
€14k▲ 724%
2023 · €2k
2018: €-10k
2019: €8k
2020: €493
2021: €23k
2022: €3k
2023: €2k
2018 → 2024
Working capital
€-11▲ 99.9%
2023 · €-21k
2018: €-44k
2019: €-35k
2020: €-35k
2021: €-38k
2022: €-28k
2023: €-21k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-35k-€-12k▲ 66.8%€-8k▲ 27.3%€-7k▲ 19.9%€7k
Operating result€668-€24k▲ 3,441%€6k▼ 74.5%€4k▼ 36.1%€21k▲ 437%
Net result€493-€23k▲ 4,616%€3k▼ 86.4%€2k▼ 47.0%€14k▲ 724%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 437% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €25k
Fixed assets
€7k▼ 49.3%
Current assets
€18k▲ 238%
Equity and liabilities €25k
Equity
€7k
Debt
€18k
Debt finances 72.0% of the balance-sheet total.
Key figures and ratios
EBITDA
€28k▲
2023 · €11k
Cash flow
€21k▲
2023 · €8k
Solvency
28.0%▲
2023 · -34.7%
Current ratio
1.00▲
2023 · 0.21
Quick ratio
1.00▲
2023 · 0.21
Debt / equity
2.58▲
2023 · -3.88
ROE
194.9%▲
2023 · -24.9%
ROA
54.5%▲
2023 · 8.6%
Interest coverage
130.73▼
2023 · 148.67
Debt
€18k▼
2023 · €26k
Debt ≤ 1 year
€18k▼
2023 · €26k
Income taxes
€7k▲
2023 · €2k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€19k€25k▲
Fixed assets21/28€14k€7k▼
Tangible fixed assets22/27€14k€7k▼
Furniture and vehicles24€14k€7k▼
Current assets29/58€5k€18k▲
Amounts receivable within one year40/41€819€1k▲
Trade receivables40€12€1k▲
Other amounts receivable41€806-
Cash at bank and in hand54/58€5k€17k▲
Equity and liabilities
Total equity and liabilities10/49€19k€25k▲
Equity10/15€-7k€7k▲
Contributions10/11€12k€12k=
Reserves13€805€805=
Non-distributable reserves130/1€805€805=
Reserves not available under the articles1311€805€805=
Profit (loss) carried forward14€-20k€-6k▲
Amounts payable17/49€26k€18k▼
Amounts payable within one year42/48€26k€18k▼
Trade debts44€190-
Suppliers440/4€190-
Taxes, remuneration and social security45€2k€10k▲
Taxes450/3€2k€10k▲
Other amounts payable47/48€24k€8k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▲
Other operating charges640/8€348€369▲
Gross operating margin9900€11k€28k▲
Operating profit (loss)9901€4k€21k▲
Financial income75/76B€210-
Recurring financial income75€210-
Financial charges65/66B€71€211▲
Recurring financial charges65€71€211▲
Profit (loss) for the period before taxes9903€4k€20k▲
Income taxes67/77€2k€7k▲
Profit (loss) for the period9904€2k€14k▲
Profit (loss) for the period to be appropriated9905€2k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-20k€-6k▲
Profit (loss) brought forward from the previous period14P€-22k€-20k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €23k ▲4616%
Operating result €24k, net result €23k, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
2016
04-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Hove · 1 establishment unit since 2008
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.
De Ster 382540 HoveGround area
210 m²
Building footprint
111 m²
Volume, LiDAR
702 m³
Parcel 11021A0022/00F005, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
De Ster 38, 2540 Hove
since 20082.169.486.558
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11021A0022/00F005 | Flanders | 210 m² | 1 · 111 m² | 9.1 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
T.J. BV
BE 0757.926.029
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INTERIEUR HOEDT
BE 0894.456.794
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SBIRO
BE 0808.788.671
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AEVER Consulting
BE 1011.196.690
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LIEVEN DE JONGE MANAGEMENT
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 19,106 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-02-2008
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.