MARIVOET
ActiveMARIVOET has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €672k and a net result of €42k. Equity is growing by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 65% of 237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+2
Solvency79▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity tight (current ratio 1.31 against 1.12 in 2024; short-term debt: 15% and cash: 14% of total assets), and 46.4% 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 · 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 31
Relative position
BE, all sectors
reference
Sector 31
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
53.6%
Return on assets
3.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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
26 d late
2024
9 d early
2023
20 d late
2022
31 d late
2021
19 d late
2020
24 d late
2019
91 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€672k▲ 1.9%
2024 · €660k
2018: €477k
2019: €493k
2020: €523k
2021: €479k
2022: €571k
2023: €634k
2024: €660k
2018 → 2025
Total assets
€1.25M▼ 6.1%
2024 · €1.34M
2018: €684k
2019: €849k
2020: €804k
2021: €960k
2022: €1.00M
2023: €1.40M
2024: €1.34M
2018 → 2025
Net result
€42k▲ 65.6%
2024 · €26k
2018: €195
2019: €16k
2020: €30k
2021: €25k
2022: €92k
2023: €63k
2024: €26k
2018 → 2025
Working capital
€59k▲ 135%
2024 · €25k
2018: €231k
2019: €220k
2020: €270k
2021: €165k
2022: €160k
2023: €229k
2024: €25k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€479k-€571k▲ 19.2%€634k▲ 11.0%€660k▲ 4.0%€672k▲ 1.9%
Operating result€14k-€112k▲ 712%€84k▼ 24.6%€46k▼ 45.3%€73k▲ 57.8%
Net result€25k-€92k▲ 271%€63k▼ 32.0%€26k▼ 59.2%€42k▲ 65.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 58% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.25M
Fixed assets
€1.01M▼ 8.7%
Current assets
€247k▲ 6.4%
Equity and liabilities €1.25M
Equity
€672k▲ 1.9%
Debt
€583k▼ 13.9%
The debt ratio falls from 50.6% to 46.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€207k▲
2024 · €170k
Cash flow
€176k▲
2024 · €150k
Solvency
53.6%▲
2024 · 49.4%
Current ratio
1.31▲
2024 · 1.12
Quick ratio
1.08▲
2024 · 0.91
Debt / equity
0.87▼
2024 · 1.03
ROE
6.3%▲
2024 · 3.9%
ROA
3.4%▲
2024 · 1.9%
Interest coverage
9.97▲
2024 · 7.66
Debt
€583k▼
2024 · €677k
Debt ≤ 1 year
€188k▼
2024 · €207k
Debt > 1 year
€394k▼
2024 · €469k
Income taxes
€20k▲
2024 · €9k
Staff costs
€523k▲
2024 · €477k
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€1.34M€1.25M▼
Fixed assets21/28€1.10M€1.01M▼
Tangible fixed assets22/27€1.10M€1.01M▼
Land and buildings22€824k€804k▼
Plant, machinery and equipment23€258k€189k▼
Furniture and vehicles24€22k€15k▼
Current assets29/58€232k€247k▲
Stocks and contracts in progress3€44k€44k=
Stocks30/36€44k€44k=
Amounts receivable within one year40/41€112k€21k▼
Trade receivables40€62k€7k▼
Other amounts receivable41€49k€14k▼
Cash at bank and in hand54/58€70k€176k▲
Deferred charges and accrued income490/1€6k€6k▼
Equity and liabilities
Total equity and liabilities10/49€1.34M€1.25M▼
Equity10/15€660k€672k▲
Contributions10/11€19k€19k=
Reserves13€641k€654k▲
Tax-exempt reserves132€217k€217k=
Distributable reserves133€424k€436k▲
Amounts payable17/49€677k€583k▼
Amounts payable after more than one year17€469k€394k▼
Financial debts170/4€469k€394k▼
Amounts payable within one year42/48€207k€188k▼
Current portion of amounts payable after more than one year42€74k€73k▼
Financial debts43€13k€2k▼
Credit institutions430/8€13k€2k▼
Trade debts44€63k€43k▼
Suppliers440/4€63k€43k▼
Taxes, remuneration and social security45€58k€70k▲
Taxes450/3€3k€14k▲
Remuneration and social security454/9€55k€56k▲
Income statement
Code20242025
Remuneration, social security and pensions62€477k€523k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€124k€134k▲
Other operating charges640/8€7k€11k▲
Gross operating margin9900€654k€741k▲
Operating profit (loss)9901€46k€73k▲
Financial income75/76B€11k€10k▼
Recurring financial income75€11k€10k▼
Financial charges65/66B€22k€21k▼
Recurring financial charges65€22k€21k▼
Profit (loss) for the period before taxes9903€34k€62k▲
Income taxes67/77€9k€20k▲
Profit (loss) for the period9904€26k€42k▲
Profit (loss) for the period to be appropriated9905€26k€42k▲
Appropriation of the result
Profit (loss) to be appropriated9906€26k€42k▲
Transfer from equity791/2-€30k
Transfer to equity691/2€26k€42k▲
To other reserves6921€26k€42k▲
Profit to be distributed694/7-€30k
Return on contributions (dividend)694-€30k
Social balance
Average headcount (FTE)90877.98.5▲
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
Next filing, fiscal year 2026, expected by
2026
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 20 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €92k ▲271%
Operating result €112k, net result €92k, both a record.
31-12
Financial
Equity above €500kEq €571k ▲19.2%
5 profitable years in a row build equity to €571k.
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 19 days late
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 24 days late
2020
31-12
Financial
Equity above €500kEq €523k ▲6%
3 profitable years in a row build equity to €523k.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 28 days late
2018
17-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 48 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 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, Kapelle-op-den-Bos · 1 establishment unit since 1994
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.
Hombeekseweg 291880 Kapelle-op-den-BosGround area
1,641 m²
Building footprint
183 m²
Volume, LiDAR
1,790 m³
Parcel 23039B0233/00V005, Flanders · tallest building 12.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
MARIVOET
since 19942.069.205.483
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23039B0233/00V005 | Flanders | 1,641 m² | 1 · 183 m² | 12.7 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 2 entries · 1,258 EUR awarded · 1,258 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,103 EUR | 1,103 EUR |
| 2022 | 1 | 155 EUR | 155 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
DIAFORM
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KEUKENS VAN MOERZEKE
BE 0444.710.752
Hamme (Vl.) · Eq €681k
Interni ID
BE 0424.575.532
Haacht · Eq €661k
K.W. Van Bladel
BE 0464.888.237
Ravels · Eq €685k
INTERIOR CONSTRUCT
BE 0458.690.828
Alken · Eq €655k
Of 620 companies in sector 31002 we hold annual accounts for 350. 252 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-10-1994
Fiscal year end31-12
Activities, NACEBEL
31002Manufacture of furniture
36130
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.