MARIS VERWARMING

Active

Private limited companyfounded 20215 yrs activeBoomsteeg 73, 3520 Zonhoven, BelgiumKBO/BCE: BE 0773.517.491

The computed 12-month bankruptcy probability of MARIS VERWARMING is 2.0% (moderate). The 2025 annual accounts show equity of €68k and a net result of €8k. Equity is growing by ~15.4% per year across the filed fiscal years. Its solvency ranks better than 84% of 27407 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

93 / 100

Excellent▼ -1 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability60▼-40

Solvency100▲+23

Growth52▼-26

Stability94

Bankruptcy probability, 12 months

2.0% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €6k at 30 days acceptable

Liquidity ample (current ratio 4.59 against 1.62 in 2024), and 20.5% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

79.5%

Return on assets

9.6%

Age of the figures

8 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-06-2026, 31 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

31 d early

2024

57 d late

2023

12 d late

2022

378 d late

← before the deadline after the deadline →

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 months

Position in the running window

15-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€68k▲ 12.2%

2024 · €61k

2022: €35k 2023: €59k 2024: €61k

2022 → 2025

Total assets

€86k▼ 41.6%

2024 · €147k

2022: €78k 2023: €112k 2024: €147k

2022 → 2025

Net result

€8k▼ 77.5%

2024 · €37k

2022: €33k 2023: €24k 2024: €37k

2022 → 2025

Working capital

€63k▲ 18.8%

2024 · €53k

2022: €25k 2023: €51k 2024: €53k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€35k-€59k▲ 69.8%€61k▲ 2.3%€68k▲ 12.2%

Operating result€42k-€35k▼ 16.8%€44k▲ 28.1%€26k▼ 40.7%

Net result€33k-€24k▼ 24.8%€37k▲ 50.0%€8k▼ 77.5%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 41% below 2024 and is the lowest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €86k

94.2%

Fixed assets €5k▼ 34.2%

Current assets €81k▼ 42.0%

Equity and liabilities €86k

79.5%

20.5%

Equity €68k▲ 12.2%

Debt €18k▼ 79.6%

The debt ratio falls from 58.7% to 20.5%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€30k▼

2024 · €48k

Cash flow

€12k▼

2024 · €40k

Solvency

79.5%▲

2024 · 41.3%

Current ratio

4.59▲

2024 · 1.62

Quick ratio

4.06▲

2024 · 1.50

Debt / equity

0.26▼

2024 · 1.42

ROE

12.1%▼

2024 · 60.3%

ROA

9.6%▼

2024 · 24.9%

Interest coverage

9.51▼

2024 · 18.69

Debt

€18k▼

2024 · €86k

Debt ≤ 1 year

€18k▼

2024 · €86k

Income taxes

€15k▲

2024 · €6k

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€147k€86k▼

Fixed assets21/28€8k€5k▼

Tangible fixed assets22/27€8k€5k▼

Plant, machinery and equipment23€4k€2k▼

Furniture and vehicles24€4k€3k▼

Current assets29/58€139k€81k▼

Stocks and contracts in progress3€10k€9k▼

Stocks30/36€10k€9k▼

Amounts receivable within one year40/41€82k€56k▼

Trade receivables40€71k€32k▼

Other amounts receivable41€11k€23k▲

Cash at bank and in hand54/58€46k€14k▼

Deferred charges and accrued income490/1€2k€2k▲

Equity and liabilities

Total equity and liabilities10/49€147k€86k▼

Equity10/15€61k€68k▲

Contributions10/11€3k€3k=

Reserves13€58k€66k▲

Distributable reserves133€58k€66k▲

Amounts payable17/49€86k€18k▼

Amounts payable within one year42/48€86k€18k▼

Trade debts44€38k€13k▼

Suppliers440/4€38k€13k▼

Taxes, remuneration and social security45€8k€3k▼

Taxes450/3€7k€761▼

Remuneration and social security454/9€1k€3k▲

Other amounts payable47/48€40k€1k▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼

Other operating charges640/8€2k€2k▼

Non-recurring operating charges66A€283-

Gross operating margin9900€51k€32k▼

Operating profit (loss)9901€44k€26k▼

Financial income75/76B€407€9▼

Recurring financial income75€407€9▼

Financial charges65/66B€3k€3k▲

Recurring financial charges65€3k€3k▲

Profit (loss) for the period before taxes9903€42k€23k▼

Income taxes67/77€6k€15k▲

Profit (loss) for the period9904€37k€8k▼

Profit (loss) for the period to be appropriated9905€37k€8k▼

Appropriation of the result

Profit (loss) to be appropriated9906€37k€8k▼

Transfer from equity791/2-€800

Transfer to equity691/2€1k€8k▲

To other reserves6921€1k€8k▲

Profit to be distributed694/7€35k€800▼

Return on contributions (dividend)694€35k€800▼

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 3Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

30-06

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Weakest financial yearnet €8k ▼77.5%

Net result drops to €8k, the lowest in the series.

31-12

Financial Liquidity triplescurrent ratio 4.59

Current ratio from 1.62 to 4.59; short-term debt falls from €86k to €18k.

26-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 57 days late

2024

31-12

Financial Highest result since 2022net €37k ▲50%

Operating result €44k, net result €37k, both a record.

12-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 12 days late

12-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 378 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 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, Zonhoven · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Boomsteeg 733520 Zonhoven

Ground area

1,782 m²

Building footprint

348 m²

Volume, LiDAR

1,595 m³

2 parcels, Flanders · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Aardbergstraat 8, 3511 Hasselt

Manufacture of metal structures and parts of structures

since 20212.321.768.244

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
71483E0319/00S000	Flanders	1,144 m²	1 · 225 m²	8.9 m · 2 fl.
71066B1224/00A000	Flanders	638 m²	1 · 123 m²	11.2 m

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels 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

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BE 1026.908.712

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ETS VERBERT CHRISTOPHE

Sint-Niklaas · Eq €68k

NAUWELAERTS DENNIS

BE 0834.482.585

Puurs-Sint-Amands · Eq €68k

KETELEER

BE 0436.640.154

Antwerpen · Eq €68k

Of 6,993 companies in sector 43221 we hold annual accounts for 3,445. 3,014 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded03-09-2021

Fiscal year end31-12

Activities, NACEBEL

43221Plumbing work

43222Installation of electric heating, air conditioning, cooling and ventilation

43230Insulation installation

43291Specialised construction activities

Sources

Crossroads Bank for EnterprisesNational Bank · 4 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.

Contact details

1 entry

E-mail:marisverwarming@hotmail.com

Enterprise