MARK & PARTNERS
ActiveSummary
MARK & PARTNERS has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26,151 and a net result of €4,612. Equity is growing by ~16.1% per year across the filed fiscal years. Its solvency ranks better than 59% of 10519 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2023
Profitability86▲+57
Solvency70▼-9
Growth52▲+15
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity ample (current ratio 3.85 against 1.85 in 2023; short-term debt: 12.7% and cash: 16.5% of total assets), but 54.7% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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 · 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
45.3%
Return on assets
8%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2023
37 d late
2022
122 d late
2021
472 d late
2020
43 d early
2019
119 d late
2018
56 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 106 days after the deadline; the sector median for financial year 2023 is on the deadline day, and 48% of the sector filed late.
Checked, nothing found (2)
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
€28,881▼ 34.5%
2023 · €44,091
EBIT margin
20.0%▲ 22.5pp
2023 · -2.6%
Net result
€4,612
2023 · -€2,358
Working capital
€20,822▼ 22.6%
2023 · €26,894
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232025
Turnover€150,012▲ 162%€104,976▼ 30.0%€44,091€28,881-
Operating result€8,287€7,419▼ 10.5%€29,785▲ 301%-€1,140€5,764-
Net result€6,632within the sector's middle half€5,954within the sector's middle half▼ 10.2%€21,865within the sector's middle half▲ 267%-€2,358below the sector's middle half€4,612within the sector's middle half-
EBIT margin5.5%▲ 32.0pp7.1%▲ 1.5pp-2.6%20.0%-
Equity€12,296below the sector's middle half▲ 117%€18,249below the sector's middle half▲ 48.4%€40,115below the sector's middle half▲ 120%€37,757below the sector's middle half▼ 5.9%€26,151below the sector's middle half-
Total assets€73,355below the sector's middle half▲ 1.6%€53,585below the sector's middle half▼ 27.0%€84,340below the sector's middle half▲ 57.4%€69,386below the sector's middle half▼ 17.7%€57,695below the sector's middle half-
Debt€61,059▼ 8.3%€35,335▼ 42.1%€44,226▲ 25.2%€31,630▼ 28.5%€31,544-
Working capital-€4,104below the sector's middle half€6,087within the sector's middle half€29,253within the sector's middle half▲ 381%€26,894within the sector's middle half▼ 8.1%€20,822within the sector's middle half-
Solvency16.8%within the sector's middle half▲ 8.9pp34.1%within the sector's middle half▲ 17.3pp47.6%within the sector's middle half▲ 13.5pp54.4%within the sector's middle half▲ 6.9pp45.3%within the sector's middle half-
Current ratio0.93below the sector's middle half▼ 0.121.17within the sector's middle half▲ 0.241.66within the sector's middle half▲ 0.491.85within the sector's middle half▲ 0.193.85above the sector's middle half-
Return on assets (ROA)9.0%within the sector's middle half▲ 30.5pp11.1%within the sector's middle half▲ 2.1pp25.9%above the sector's middle half▲ 14.8pp-3.4%below the sector's middle half▼ 29.3pp8.0%within the sector's middle half-
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result is €5,764 in 2025, compared with -€1,140 in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €57,695
Fixed assets
€29,556 ▲ 172%
Current assets
€28,139 ▼ 51.9%
Equity and liabilities €57,695
Equity
€26,151 ▼ 30.7%
Debt
€31,544 ▼ 0.3%
Debt's share of the balance-sheet total rises from 45.6% to 54.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€11,995
Cash flow
€10,844
Debt to equity
1.21▲
2023 · 0.84
ROE
17.6%▲
2023 · -6.2%
Interest coverage
10.60
Debt ≤ 1 year
€7,316▼
2023 · €31,630
Debt > 1 year
€24,228
Income taxes
€62▼
2023 · €620
Staff costs
€7,877▼
2023 · €18,191
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,349 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,349 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €150,012 | €104,976 | - | €44,091 | €28,881 | - |
| Goods, raw materials, services and sundry goods60/61 | - | €85,107 | - | €24,690 | €37,425 | - |
| Remuneration, social security and pensions62 | - | €7,201 | €15,183 | €18,191 | €7,877 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,550 | €4,100 | €4,100 | - | €6,231 | - |
| Other operating charges640/8 | - | €1,094 | €479 | €662 | €2,113 | - |
| Non-recurring operating charges66A | - | €55 | €291 | €1,688 | €463 | - |
| Gross operating margin9900 | €22,829 | €19,869 | €49,839 | €19,401 | €22,447 | - |
| Operating profit (loss)9901 | €8,287 | €7,419 | €29,785 | -€1,140 | €5,764 | - |
| Financial income75/76B | - | €1 | €0 | - | €42 | - |
| Recurring financial income75 | - | €1 | €0 | - | €42 | - |
| Financial charges65/66B | - | €571 | €553 | €598 | €1,131 | - |
| Recurring financial charges65 | €1,290 | €571 | €553 | €598 | €1,131 | - |
| Profit (loss) for the period before taxes9903 | €6,997 | €6,849 | €29,232 | -€1,738 | €4,674 | - |
| Income taxes67/77 | €365 | €896 | €7,367 | €620 | €62 | - |
| Profit (loss) for the period9904 | €6,632 | €5,954 | €21,865 | -€2,358 | €4,612 | - |
| Profit (loss) for the period to be appropriated9905 | €6,632 | €5,954 | €21,865 | -€2,358 | €4,612 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €73,355 | €53,585 | €84,340 | €69,386 | €57,695 | - |
| Fixed assets21/28 | €16,400 | €12,162 | €10,862 | €10,862 | €29,556 | - |
| Tangible fixed assets22/27 | €16,400 | €12,162 | €10,862 | €10,862 | €29,556 | - |
| Furniture and vehicles24 | - | €12,162 | €10,862 | €10,862 | €29,556 | - |
| Current assets29/58 | €56,955 | €41,422 | €73,478 | €58,524 | €28,139 | - |
| Stocks and contracts in progress3 | €14,149 | €3,000 | €4,112 | €2,240 | - | - |
| Stocks30/36 | - | €3,000 | €4,112 | €2,240 | - | - |
| Amounts receivable within one year40/41 | €37,727 | €34,945 | €62,510 | €43,305 | €14,522 | - |
| Trade receivables40 | - | €26,318 | €58,287 | €36,845 | €11,424 | - |
| Other amounts receivable41 | - | €8,628 | €4,223 | €6,459 | €3,099 | - |
| Cash at bank and in hand54/58 | €5,079 | €3,477 | €6,856 | €12,979 | €9,521 | - |
| Deferred charges and accrued income490/1 | - | - | - | - | €4,096 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €73,355 | €53,585 | €84,340 | €69,386 | €57,695 | - |
| Equity10/15 | €12,296 | €18,249 | €40,115 | €37,757 | €26,151 | - |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | - |
| Reserves13 | €14,401 | €14,401 | €31,876 | €31,876 | €31,876 | - |
| Non-distributable reserves130/1 | - | €901 | €1,876 | €1,876 | €1,876 | - |
| Reserves not available under the articles1311 | - | €901 | €1,876 | €1,876 | €1,876 | - |
| Distributable reserves133 | - | €13,500 | €30,000 | €30,000 | €30,000 | - |
| Profit (loss) carried forward14 | -€8,305 | -€2,351 | €2,038 | -€320 | -€11,926 | - |
| Amounts payable17/49 | €61,059 | €35,335 | €44,226 | €31,630 | €31,544 | - |
| Amounts payable after more than one year17 | - | - | - | - | €24,228 | - |
| Financial debts170/4 | - | - | - | - | €24,228 | - |
| Amounts payable within one year42/48 | €61,059 | €35,335 | €44,226 | €31,630 | €7,316 | - |
| Financial debts43 | - | €1,220 | €355 | €355 | €511 | - |
| Credit institutions430/8 | - | €1,220 | €355 | €355 | €511 | - |
| Trade debts44 | €56,412 | €26,924 | €17,756 | €19,412 | €1,887 | - |
| Suppliers440/4 | - | €26,924 | €17,756 | €19,412 | €1,887 | - |
| Advances received on contracts in progress46 | - | - | - | - | €4,919 | - |
| Taxes, remuneration and social security45 | - | €896 | €8,262 | €8,883 | - | - |
| Taxes450/3 | - | €896 | €8,262 | €8,883 | - | - |
| Other amounts payable47/48 | - | €6,296 | €17,852 | €2,980 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6,632 | €5,954 | €21,865 | -€2,358 | €4,612 | - |
| + Depreciation and write-downs630 | €6,550 | €4,100 | €4,100 | - | €6,231 | - |
| Operating cash flow (approximation) | €13,182 | €10,054 | €25,965 | -€2,358 | €10,844 | - |
| Investment in fixed assets (approximation) | - | €138 | -€2,800 | €0 | - | - |
| Change in cash | - | -€1,602 | €3,379 | €6,123 | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €4,612
Net result €4,612 after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 3.85
Current ratio from 1.85 to 3.85; short-term debt falls from €31,630 to €7,316.
2024
06-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 37 days late
2023
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 122 days late
15-11
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 472 days late
2022
31-12
Financial
Highest result since 2018net €21,865 ▲267%
Operating result €29,785, net result €21,865, both a record.
2021
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €6,632
Net result €6,632 after 2 loss-making years.
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 119 days late
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 745 days late
2019
31-12
Financial
Weakest financial yearnet -€15,510
Net result drops to -€15,510, the lowest in the series; recovery starts the following year.
Show earlier events
25-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 56 days late
2017
14-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 45 days late
2015
14-07
NBB filing
Annual accounts filed
fiscal year 2014 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Tubize · 1 establishment unit since 2002
Ground area
243 m²
Building footprint
58 m²
Volume, LiDAR
528 m³
Parcel 25105C0262/00C002, Wallonia · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Rue des Frères Lefort 387, 1480 Tubize
since 20022.114.952.762
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25105C0262/00C002 | Wallonia | 243 m² | 1 · 57 m² | 10.8 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 1,271 companies in sector 47512 we hold annual accounts for 581. 398 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded31-05-2002
Fiscal year end31-12
Activities, NACEBEL 2025
47512Retail sale of household textiles and bedding
47540Retail sale of electrical household appliances
47721Retail sale of footwear
47722Retail trade
47750Retail sale of cosmetics and toilet articles
49320Non-scheduled passenger transport by road
49330On-demand passenger transport by chauffeured vehicle
E-invoicing
Reachable via Peppol
Peppol ID
0208:0477646113
Also
9925:BE0477646113
Registered
27-02-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.