MARIFI
ActiveMARIFI 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 €660k and a net result of €-11k. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 90% of 7962 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
28 d late
2024
1 d early
2023
20 d early
2022
18 d early
2021
52 d early
← before the deadline
after the deadline →
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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€660k▼ 1.7%
2024 · €671k
2021: €610k
2022: €638k
2023: €650k
2024: €671k
2021 → 2025
Net result
€-11k
2024 · €21k
2021: €25k
2022: €28k
2023: €12k
2024: €21k
2021 → 2025
Total assets
€717k▼ 27.3%
2024 · €987k
2021: €1.46M
2022: €1.12M
2023: €1.09M
2024: €987k
2021 → 2025
Solvency
91.9%▲ 24.0pp
2024 · 68.0%
2021: 41.7%
2022: 56.8%
2023: 59.7%
2024: 68.0%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€610k-€638k▲ 4.6%€650k▲ 1.8%€671k▲ 3.3%€660k▼ 1.7%
Operating result€47k-€45k▼ 3.5%€19k▼ 57.6%€29k▲ 52.0%€-9k
Net result€25k-€28k▲ 11.0%€12k▼ 58.9%€21k▲ 84.0%€-11k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €9k after €29k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €717k
Fixed assets
€684k▼ 7.2%
Current assets
€34k▼ 86.6%
Equity and liabilities €717k
Equity
€660k▼ 1.7%
Debt
€58k▼ 81.7%
The debt ratio falls from 32.0% to 8.1%: debt falls faster than equity shrinks.
Key figures and ratios
Solvency
91.9%▲
2024 · 68.0%
ROE
-1.7%▼
2024 · 3.2%
ROA
-1.6%▼
2024 · 2.1%
Debt
€58k▼
2024 · €316k
Debt ≤ 1 year
€15k▼
2024 · €192k
Debt > 1 year
€40k▼
2024 · €120k
Income taxes
€172▼
2024 · €7k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€987k€717k▼
Fixed assets21/28€737k€684k▼
Tangible fixed assets22/27€737k€684k▼
Land and buildings22€712k€665k▼
Plant, machinery and equipment23€4k€3k▼
Other tangible fixed assets26€21k€16k▼
Current assets29/58€250k€34k▼
Stocks and contracts in progress3€195k-
Stocks30/36€195k-
Amounts receivable within one year40/41€26k€5k▼
Trade receivables40€26k-
Other amounts receivable41-€5k
Cash at bank and in hand54/58€27k€29k▲
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€987k€717k▼
Equity10/15€671k€660k▼
Contributions10/11€590k€590k=
Reserves13€81k€65k▼
Distributable reserves133€81k€65k▼
Profit (loss) carried forward14-€5k
Amounts payable17/49€316k€58k▼
Amounts payable after more than one year17€120k€40k▼
Other amounts payable178/9€120k€40k▼
Amounts payable within one year42/48€192k€15k▼
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€2k€5k▲
Taxes450/3€2k€5k▲
Other amounts payable47/48€186k€8k▼
Accrued charges and deferred income492/3€3k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€89k▲
Other operating charges640/8€17k€6k▼
Gross operating margin9900€89k€87k▼
Operating profit (loss)9901€29k€-9k▼
Financial income75/76B€171-
Recurring financial income75€171-
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€28k€-11k▼
Income taxes67/77€7k€172▼
Profit (loss) for the period9904€21k€-11k▼
Profit (loss) for the period to be appropriated9905€21k€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€-11k▼
Transfer from equity791/2-€16k
Transfer to equity691/2€21k-
To other reserves6921€21k-
The notes to these accounts (5 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €-11k ▼154%
Net result drops to €-11k, the lowest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2021net €28k ▲11%
Net result €28k, the highest in the series.
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
under verification, no change since 2023
This board is reconstructed from a single act (23076661). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Laurens De Muynck
CurrentDirector (executive) · since 13-06-2023
Michiel De Muynck
CurrentDirector (executive) · since 13-06-2023
Rita Hellemans
CurrentDirector · since 03-05-2023
13-06-2023
Laurens De Muynck: Appointed as Director (executive)
13-06-2023
Michiel De Muynck: Appointed as Director (executive)
03-05-2023
Rita Hellemans: Appointed as Director
03-05-2023
Marc De Muynck: Resigned as Director
Location & real-estate footprint
Registered office, Knokke-Heist · 1 establishment unit since 2013
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.
Zeedijk-Heist 2888301 Knokke-HeistGround area
150 m²
Building footprint
150 m²
Volume, LiDAR
2,951 m³
Parcel 31336H0220/00_000, Flanders · tallest building 32.1 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Zeedijk-Heist 288, 8301 Knokke-Heist
since 20132.217.528.282
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31336H0220/00_000 | Flanders | 150 m² | 1 · 150 m² | 32.1 m · 8 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.
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 13,344 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-02-2013
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.