MARINA LEONARD
ActiveMARINA LEONARD has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €348k and a net result of €-13k. Equity is growing by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 70% of 16132 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-11
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 3.78 against 6.47 in 2024), and 19.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 86
Relative position
BE, all sectors
reference
Sector 86
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
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
100 d early
2023
20 d early
2022
14 d early
2021
22 d late
2020
23 d early
2019
43 d late
← 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
07-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€348k▼ 3.5%
2024 · €360k
2020: €301k
2021: €316k
2022: €345k
2023: €353k
2024: €360k
2020 → 2025
Total assets
€430k▲ 0.5%
2024 · €428k
2020: €470k
2021: €435k
2022: €441k
2023: €430k
2024: €428k
2020 → 2025
Net result
€-13k
2024 · €8k
2020: €136k
2021: €15k
2022: €29k
2023: €7k
2024: €8k
2020 → 2025
Working capital
€202k▼ 8.3%
2024 · €220k
2020: €170k
2021: €189k
2022: €216k
2023: €207k
2024: €220k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€316k-€345k▲ 9.3%€353k▲ 2.1%€360k▲ 2.2%€348k▼ 3.5%
Operating result€14k-€32k▲ 126%€2k▼ 92.7%€-2k€-10k▼ 468%
Net result€15k-€29k▲ 92.2%€7k▼ 75.3%€8k▲ 7.3%€-13k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €10k in 2025 against €2k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €430k
Fixed assets
€155k▼ 7.2%
Current assets
€275k▲ 5.4%
Equity and liabilities €430k
Equity
€348k▼ 3.5%
Debt
€82k▲ 21.7%
The debt ratio rises from 15.8% to 19.1%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€2k▼
2024 · €21k
Cash flow
€-610▼
2024 · €30k
Solvency
80.9%▼
2024 · 84.2%
Current ratio
3.78▼
2024 · 6.47
Quick ratio
3.78▼
2024 · 6.47
Debt / equity
0.24▲
2024 · 0.19
ROE
-3.7%▼
2024 · 2.1%
ROA
-3.0%▼
2024 · 1.8%
Interest coverage
1.45▼
2024 · 7.19
Debt
€82k▲
2024 · €67k
Debt ≤ 1 year
€73k▲
2024 · €40k
Debt > 1 year
€7k▼
2024 · €25k
Income taxes
€1k▼
2024 · €5k
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
Total assets20/58€428k€430k▲
Fixed assets21/28€167k€155k▼
Tangible fixed assets22/27€167k€155k▼
Current assets29/58€261k€275k▲
Amounts receivable within one year40/41€258k€271k▲
Total equity & liabilities10/49€428k€430k▲
Equity10/15€360k€348k▼
Contributions / capital10/11€6k€6k=
Reserves13€273k€273k=
Accumulated profits (losses)14€81k€69k▼
Amounts payable17/49€67k€82k▲
Amounts payable after one year17€25k€7k▼
Amounts payable within one year42/48€40k€73k▲
Trade debts payable within one year44€387€2k▲
Income statement
Code20242025
Gross operating margin9900€24k€4k▼
Operating result9901€-2k€-10k▼
Financial income75€18k-
Financial charges65€3k€1k▼
Result before taxes9903€13k€-11k▼
Income taxes67/77€5k€1k▼
Net result for the period9904€8k€-13k▼
Result to be appropriated9905€8k€-13k▼
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
Weakest financial yearnet €-13k ▼264%
Net result drops to €-13k, the lowest in the series.
22-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-12
State Gazette act
Statutes amendment
L'assemblée a décidé d'allonger l'exercice social jusqu'au 31 décembre 2024, de modifier la date de l'AG ordinaire, d'adapter les statuts au Code des sociétés et des associations, de limiter le compte… · Christophe VAZQUEZ JACQUES
16-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
07-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
12-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 43 days late
2019
08-04
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
16-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
2016
07-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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Of 5,952 companies in sector 86940 we hold annual accounts for 1,786. 1,130 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-05-2007
Fiscal year end31-12
Activities, NACEBEL
86906Human health activities
86940Nursing and midwifery
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 29-08-2026. Scores and ratios are computed by Checked and are not a credit decision.