MARIAM
ActiveSummary
MARIAM has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €10k and a net result of €436. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 34% of 18400 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability40▼-41
Solvency40▲+3
Growth43▼-17
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.3 against 0.98 in 2024; short-term debt: 25.9% and cash: 0.8% of total assets), but 85.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €10k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
61 d late
2022
31 d late
2021
30 d late
2020
46 d late
2019
88 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, micro schema
Turnover
€275k▼ 1.3%
2019 · €279k
2018: €291khighest in 3 years
2019: €279k▼ -4.2% vs 2018
2020: €275k▼ -1.3% vs 2019lowest in 3 years
2018 → 2020
EBIT margin
-4.8%▼ 4.5pp
2019 · -0.3%
2018: 2.6%highest in 3 years
2019: -0.3%▼ -111% vs 2018
2020: -4.8%▼ -1473% vs 2019lowest in 3 years
2018 → 2020
Net result
€436▼ 94.6%
2024 · €8k
2018: €6k
2019: €-2k▼ -126% vs 2018
2020: €-13k▼ -767% vs 2019lowest in 8 years
2021: €-4k▲ +68.2% vs 2020
2022: €-4k▼ -1.8% vs 2021
2023: €17k▲ +485% vs 2022highest in 8 years
2024: €8k▼ -51.1% vs 2023
2025: €436▼ -94.6% vs 2024
2018 → 2025
Working capital
€23k
2024 · €-1k
2018: €8k
2019: €7k▼ -11.7% vs 2018
2020: €-6k▼ -193% vs 2019
2021: €668▲ +110% vs 2020
2022: €-22k▼ -3382% vs 2021lowest in 8 years
2023: €-7k▲ +68.1% vs 2022
2024: €-1k▲ +82.8% vs 2023
2025: €23k▲ +2014% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-11k-€-15k▼ 40.6%€2k€10k▲ 486%€10k▲ 4.5%
2021: €-11k
2022: €-15k▼ -40.6% vs 2021lowest in 5 years
2023: €2k▲ +111% vs 2022
2024: €10k▲ +486% vs 2023
2025: €10k▲ +4.5% vs 2024highest in 5 years
Operating result€-3k-€-2k▲ 38.2%€18k€13k▼ 28.9%€5k▼ 63.0%
2021: €-3klowest in 5 years
2022: €-2k▲ +38.2% vs 2021
2023: €18k▲ +1014% vs 2022highest in 5 years
2024: €13k▼ -28.9% vs 2023
2025: €5k▼ -63.0% vs 2024
Net result€-4k-€-4k▼ 1.8%€17k€8k▼ 51.1%€436▼ 94.6%
2021: €-4k
2022: €-4k▼ -1.8% vs 2021lowest in 5 years
2023: €17k▲ +485% vs 2022highest in 5 years
2024: €8k▼ -51.1% vs 2023
2025: €436▼ -94.6% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 63% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €68k
Fixed assets
€28k ▼ 4.4%
Current assets
€41k ▼ 23.5%
Equity and liabilities €68k
Equity
€10k ▲ 4.5%
Debt
€58k ▼ 19.6%
Debt's share of the balance-sheet total falls from 88.1% to 85.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€10k▼
2024 · €18k
Cash flow
€6k▼
2024 · €13k
Current ratio
2.30▲
2024 · 0.98
Quick ratio
0.04▼
2024 · 0.24
Debt to equity
5.69▼
2024 · 7.40
ROE
4.3%▼
2024 · 82.9%
ROA
0.6%▼
2024 · 9.9%
Interest coverage
2.51▼
2024 · 6.26
Debt ≤ 1 year
€18k▼
2024 · €54k
Debt > 1 year
€41k▲
2024 · €18k
Income taxes
€118▼
2024 · €2k
Staff costs
€7k▲
2024 · €4k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€82k€68k▼
Fixed assets21/28€29k€28k▼
Tangible fixed assets22/27€25k€23k▼
Plant, machinery and equipment23€16k€16k▼
Furniture and vehicles24€2k€7k▲
Leasing and similar rights25€6k-
Other tangible fixed assets26€1k€771▼
Financial fixed assets28€4k€4k=
Current assets29/58€53k€41k▼
Stocks and contracts in progress3€40k€40k=
Stocks30/36€40k€40k=
Amounts receivable within one year40/41€13k€242▼
Trade receivables40€13k-
Other amounts receivable41-€242
Cash at bank and in hand54/58€289€549▲
Equity and liabilities
Total equity and liabilities10/49€82k€68k▼
Equity10/15€10k€10k▲
Contributions10/11€19k€19k=
Reserves13€3k€3k=
Non-distributable reserves130/1€617€617=
Reserves not available under the articles1311€617€617=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-11k€-11k▲
Amounts payable17/49€72k€58k▼
Amounts payable after more than one year17€18k€41k▲
Financial debts170/4€18k€41k▲
Amounts payable within one year42/48€54k€18k▼
Current portion of amounts payable after more than one year42€3k€7k▲
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€6k€5k▼
Taxes450/3€2k€2k▼
Remuneration and social security454/9€4k€4k▼
Other amounts payable47/48€41k€3k▼
Income statement
Code20242025
Remuneration, social security and pensions62€4k€7k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€6k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€23k€19k▼
Operating profit (loss)9901€13k€5k▼
Financial income75/76B€2€1▼
Recurring financial income75€2€1▼
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€10k€554▼
Income taxes67/77€2k€118▼
Profit (loss) for the period9904€8k€436▼
Profit (loss) for the period to be appropriated9905€8k€436▼
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€-11k▲
Profit (loss) brought forward from the previous period14P€-20k€-11k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €4k | €7k | ▲ 78.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €735 | €2k | €4k | €5k | €6k | ▲ 13.9% |
| Other operating charges640/8 | €911 | €2k | €3k | €1k | €1k | ▲ 1.2% |
| Gross operating margin9900 | €-1k | €3k | €25k | €23k | €19k | ▼ 17.9% |
| Operating profit (loss)9901 | €-3k | €-2k | €18k | €13k | €5k | ▼ 63.0% |
| Financial income75/76B | €1 | €0 | €4k | €2 | €1 | ▼ 75.7% |
| Recurring financial income75 | €1 | €0 | €4k | €2 | €1 | ▼ 75.7% |
| Financial charges65/66B | €1k | €2k | €5k | €3k | €4k | ▲ 46.1% |
| Recurring financial charges65 | €1k | €2k | €5k | €3k | €4k | ▲ 46.1% |
| Profit (loss) for the period before taxes9903 | €-4k | €-4k | €17k | €10k | €554 | ▼ 94.4% |
| Income taxes67/77 | - | - | - | €2k | €118 | ▼ 93.0% |
| Profit (loss) for the period9904 | €-4k | €-4k | €17k | €8k | €436 | ▼ 94.6% |
| Profit (loss) for the period to be appropriated9905 | €-4k | €-4k | €17k | €8k | €436 | ▼ 94.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €50k | €67k | €84k | €82k | €68k | ▼ 16.8% |
| Fixed assets21/28 | €8k | €25k | €30k | €29k | €28k | ▼ 4.4% |
| Tangible fixed assets22/27 | €8k | €22k | €25k | €25k | €23k | ▼ 5.2% |
| Plant, machinery and equipment23 | €4k | €17k | €15k | €16k | €16k | ▼ 1.9% |
| Furniture and vehicles24 | €4k | €3k | €3k | €2k | €7k | ▲ 290% |
| Leasing and similar rights25 | - | - | €6k | €6k | - | - |
| Other tangible fixed assets26 | - | €2k | €2k | €1k | €771 | ▼ 37.0% |
| Financial fixed assets28 | - | €3k | €4k | €4k | €4k | = |
| Current assets29/58 | €42k | €42k | €55k | €53k | €41k | ▼ 23.5% |
| Stocks and contracts in progress3 | €40k | €40k | €40k | €40k | €40k | = |
| Stocks30/36 | €40k | €40k | €40k | €40k | €40k | = |
| Amounts receivable within one year40/41 | €19 | €675 | €279 | €13k | €242 | ▼ 98.1% |
| Trade receivables40 | - | - | - | €13k | - | - |
| Other amounts receivable41 | €19 | €675 | €279 | - | €242 | - |
| Cash at bank and in hand54/58 | €2k | €181 | €12k | €289 | €549 | ▲ 90.1% |
| Deferred charges and accrued income490/1 | €261 | €817 | €2k | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €50k | €67k | €84k | €82k | €68k | ▼ 16.8% |
| Equity10/15 | €-11k | €-15k | €2k | €10k | €10k | ▲ 4.5% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €3k | €3k | €3k | €3k | €3k | = |
| Non-distributable reserves130/1 | €617 | €617 | €617 | €617 | €617 | = |
| Reserves not available under the articles1311 | €617 | €617 | €617 | €617 | €617 | = |
| Distributable reserves133 | €2k | €2k | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €-32k | €-36k | €-20k | €-11k | €-11k | ▲ 3.8% |
| Amounts payable17/49 | €61k | €82k | €83k | €72k | €58k | ▼ 19.6% |
| Amounts payable after more than one year17 | €19k | €18k | €21k | €18k | €41k | ▲ 126% |
| Financial debts170/4 | €19k | €18k | €21k | €18k | €41k | ▲ 126% |
| Amounts payable within one year42/48 | €42k | €64k | €62k | €54k | €18k | ▼ 67.5% |
| Current portion of amounts payable after more than one year42 | €1k | €1k | €3k | €3k | €7k | ▲ 140% |
| Trade debts44 | €649 | €3k | €16k | €4k | €2k | ▼ 41.4% |
| Suppliers440/4 | €649 | €3k | €16k | €4k | €2k | ▼ 41.4% |
| Taxes, remuneration and social security45 | - | - | - | €6k | €5k | ▼ 10.2% |
| Taxes450/3 | - | - | - | €2k | €2k | ▼ 17.8% |
| Remuneration and social security454/9 | - | - | - | €4k | €4k | ▼ 5.9% |
| Other amounts payable47/48 | €40k | €59k | €43k | €41k | €3k | ▼ 93.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-4k | €-4k | €17k | €8k | €436 | ▼ 94.6% |
| + Depreciation and write-downs630 | €735 | €2k | €4k | €5k | €6k | ▲ 13.9% |
| Operating cash flow (approximation) | €-3k | €-2k | €21k | €13k | €6k | ▼ 53.4% |
| Investment in fixed assets (approximation) | - | €-19k | €-9k | €-4k | €-4k | ▼ 3.3% |
| Change in cash | - | €-2k | €12k | €-12k | €260 | ▲ 102% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 2.30
Current ratio from 0.98 to 2.30; short-term debt falls from €54k to €18k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Back to profitnet €17k
Net result €17k after 4 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
15-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 46 days late
2020
31-12
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 88 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Oupeye · 1 establishment unit since 2022
Ground area
373 m²
Building footprint
157 m²
Volume, LiDAR
1,264 m³
2 parcels, Wallonia · tallest building 9.5 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
.
since 20222.338.775.611
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62079A0580/00C004 | Wallonia | 226 m² | 1 · 96 m² | 9.5 m · 3 fl. |
| 62079A0383/00N000indicative | Wallonia | 146 m² | 1 · 61 m² | 8.9 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteOupeye2.338.775.611
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Of 10,510 companies in sector 47110 we hold annual accounts for 5,851. 3,473 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded06-02-2004
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
47252Retail sale of beverages, general range
47260Retail trade
47271Retail trade
Scores and ratios are computed by Checked and are not a credit decision.