MARIVIC
ActiveMARIVIC has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €326k and a net result of €55k. Equity is shrinking by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 30% of 19906 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability78▼-2
Solvency69▲+2
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity short (current ratio 0.51 against 0.38 in 2023; short-term debt: 41.3% of total assets), and 55.6% 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○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
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €326k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-09-2025, 55 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
not confirmed
2024
55 d late
2023
28 d late
2022
7 d late
2021
31 d late
2020
31 d late
2019
62 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€326k▲ 9.7%
2023 · €297k
2018: €359k
2019: €370k
2020: €334k
2021: €225k
2022: €252k
2023: €297k
2018 → 2024
Total assets
€735k▲ 4.5%
2023 · €703k
2018: €828k
2019: €771k
2020: €734k
2021: €701k
2022: €710k
2023: €703k
2018 → 2024
Net result
€55k▼ 12.7%
2023 · €63k
2018: €26k
2019: €11k
2020: €20k
2021: €43k
2022: €50k
2023: €63k
2018 → 2024
Working capital
€-148k▲ 12.6%
2023 · €-170k
2018: €-111k
2019: €25k
2020: €21k
2021: €-150k
2022: €-182k
2023: €-170k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€334k-€225k▼ 32.6%€252k▲ 12.0%€297k▲ 18.1%€326k▲ 9.7%
Operating result€35k-€68k▲ 95.2%€83k▲ 22.3%€105k▲ 27.1%€100k▼ 5.4%
Net result€20k-€43k▲ 120%€50k▲ 15.7%€63k▲ 26.0%€55k▼ 12.7%
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 2024; 2024 is 5% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €735k
Fixed assets
€580k▼ 2.9%
Current assets
€155k▲ 46.3%
Equity and liabilities €735k
Equity
€326k▲ 9.7%
Debt
€409k▲ 0.8%
The debt ratio falls from 57.7% to 55.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€155k▼
2023 · €159k
Cash flow
€110k▼
2023 · €117k
Solvency
44.4%▲
2023 · 42.3%
Current ratio
0.51▲
2023 · 0.38
Quick ratio
0.51▲
2023 · 0.38
Debt / equity
1.25▼
2023 · 1.36
ROE
16.9%▼
2023 · 21.2%
ROA
7.5%▼
2023 · 9.0%
Interest coverage
7.30▼
2023 · 10.13
Debt
€409k▲
2023 · €406k
Debt ≤ 1 year
€303k▲
2023 · €276k
Debt > 1 year
€54k▼
2023 · €115k
Income taxes
€24k▼
2023 · €27k
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€703k€735k▲
Fixed assets21/28€597k€580k▼
Tangible fixed assets22/27€597k€580k▼
Land and buildings22€544k€511k▼
Plant, machinery and equipment23€1k€27k▲
Furniture and vehicles24€51k€42k▼
Current assets29/58€106k€155k▲
Amounts receivable within one year40/41€1k-
Trade receivables40€1k-
Current investments50/53€32k€92k▲
Deferred charges and accrued income490/1€73k€63k▼
Equity and liabilities
Total equity and liabilities10/49€703k€735k▲
Equity10/15€297k€326k▲
Contributions10/11€19k€19k=
Reserves13€279k€307k▲
Non-distributable reserves130/1€10k€10k=
Reserves not available under the articles1311€10k€10k=
Tax-exempt reserves132€55k€55k=
Distributable reserves133€214k€242k▲
Profit (loss) carried forward14€149€149=
Amounts payable17/49€406k€409k▲
Amounts payable after more than one year17€115k€54k▼
Financial debts170/4€115k€54k▼
Amounts payable within one year42/48€276k€303k▲
Current portion of amounts payable after more than one year42€78k€61k▼
Financial debts43€1k€1k▼
Credit institutions430/8€1k€1k▼
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€30k€34k▲
Taxes450/3€30k€34k▲
Other amounts payable47/48€163k€203k▲
Accrued charges and deferred income492/3€15k€52k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€54k€55k▲
Other operating charges640/8€2k€7k▲
Non-recurring operating charges66A€513€229▼
Gross operating margin9900€162k€162k▲
Operating profit (loss)9901€105k€100k▼
Financial income75/76B€2€4▲
Recurring financial income75€2€4▲
Financial charges65/66B€16k€21k▲
Recurring financial charges65€16k€21k▲
Profit (loss) for the period before taxes9903€90k€79k▼
Income taxes67/77€27k€24k▼
Profit (loss) for the period9904€63k€55k▼
Profit (loss) for the period to be appropriated9905€63k€55k▼
Appropriation of the result
Profit (loss) to be appropriated9906€63k€55k▼
Profit (loss) brought forward from the previous period14P€149€149=
Transfer from equity791/2€17k€26k▲
Transfer to equity691/2€63k€55k▼
To other reserves6921€63k€55k▼
Profit to be distributed694/7€17k€26k▲
Return on contributions (dividend)694€17k€26k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 55 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Highest result since 2018net €63k ▲26%
Operating result €105k, net result €63k, both a record.
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 62 days late
2019
31-12
Financial
Weakest financial yearnet €11k ▼57%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 1.29
Current ratio from 0.50 to 1.29; short-term debt falls from €219k to €87k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 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, Ninove · 1 establishment unit since 2002
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.
Appelterre-Dorp(App) 529400 NinoveGround area
1,075 m²
Building footprint
399 m²
Volume, LiDAR
3,424 m³
Parcel 41003B0219/00K000, Flanders · tallest building 13.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Appelterre-Dorp(App) 52, 9400 Ninove
since 20022.226.791.881
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41003B0219/00K000 | Flanders | 1,075 m² | 1 · 399 m² | 13.8 m · 3 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.
Recognitions · licences · registrations
Legal Entity Identifier
6488K3371K4UJ3YW0U40
Similar companies · same sector, comparable size
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DOKTER MICHIEL
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SEURINCK ALEXANDER HUISARTS
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Of 9,120 companies in sector 86210 we hold annual accounts for 6,336. 5,182 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-12-2002
Fiscal year end31-12
Activities, NACEBEL
86210General medical practice
86901Human health activities
86910Medical imaging and medical laboratories
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.