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MARKI

Active Private limited companyfounded 2020active for 6 yearsRue Jean Louis Adam 67, 4400 FlémalleKBO/BCE: BE 0750.537.795

Overview

Lifetime

5 annual accounts with figures on one time axis
peak €23,112 (2024)
€15,819▼ 31.6%
lowest -€16,743 (2023)
€2,675▼ 85.6%
peak €24,686 (2025)
€24,686▲ 12.2%
€15,061▼ 38.3%
Board3 names since 2020
1 directorMARGARITESCU Elena-Claudia
Documentsfilings and deeds
27-08-202658 days late
2025micro format
Gross margin from €23,112 to €15,819Result from €18,546 to €2,675Equity from €22,011 to €24,686Debts from €24,428 to €15,061

Key points

from the 2025 annual accounts

Turnover

≈ €190,000 estimated

The micro format states no turnover.

Filings

5 annual accounts 4 late
deadline20222024

The 2022 accounts came latest: 170 days after the end of the period.

Checked score

51
Fair
Financially stronger than 56% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.4% Moderate
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 5.5% 01-2025: 5.5%● unchanged vs 12-2024 02-2025: 5.4%▼ -0.1 percentage points vs 01-2025 03-2025: 5.5%▲ +0.1 percentage points vs 02-2025 04-2025: 5.6%▲ +0.1 percentage points vs 03-2025 05-2025: 5.7%▲ +0.1 percentage points vs 04-2025 06-2025: 5.8%▲ +0.1 percentage points vs 05-2025highest value 07-2025: 2.0%▼ -3.8 percentage points vs 06-2025 08-2025: 2.0%● unchanged vs 07-2025 09-2025: 2.0%● unchanged vs 08-2025 10-2025: 2.0%● unchanged vs 09-2025 11-2025: 1.9%▼ -0.1 percentage points vs 10-2025 12-2025: 1.9%● unchanged vs 11-2025 01-2026: 1.9%● unchanged vs 12-2025 02-2026: 1.9%● unchanged vs 01-2026 03-2026: 1.8%▼ -0.1 percentage points vs 02-2026lowest value 04-2026: 1.9%▲ +0.1 percentage points vs 03-2026 05-2026: 1.9%● unchanged vs 04-2026 06-2026: 1.9%● unchanged vs 05-2026 07-2026: 2.5%▲ +0.6 percentage points vs 06-2026 08-2026: 4.6%▲ +2.1 percentage points vs 07-2026 09-2026: 3.9%▼ -0.7 percentage points vs 08-2026 10-2026: 3.4%▼ -0.5 percentage points vs 09-2026 11-2026: 3.4%● unchanged vs 10-2026

Financial strength
Strong

87+15equity 62.1% of total assets
57+7short-term debt 37.9% · cash 19.2%
66-34return on assets 6.7%

Score breakdown

raises risk
Last filed accounts filed 58 days late; 2 of the last 3 accounts late
Sector: Construction of residential and non-residential buildings (NACE 41)
Founded in 2020
Size: total assets €39,747
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 71% of them on solvency, 61% on liquidity, 37% on profitability and 57% on growth.

The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

The probability rests on the annual accounts with balance sheet date 30-11-2025.

Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Comparable companies, two years later

In July 2024, 26,972 companies had the same profile as MARKI has now. Each dot stands for 68 companies, two years later.

94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
  • Micro
  • 5 to 10 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more

Another 0.1% stopped without a precise date, possibly only after those two years.

The bankruptcy probability of MARKI itself is higher: 3.4% within 12 months. It rests on far more data about MARKI than the profile alone.

Test of the method

The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the highest expected share
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 26,972 companies, not a prediction for MARKI. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Credit verdict

Credit of up to €1,000 on 30-day terms is acceptable

Liquidity is tight, with a current ratio of 1.17 (1.0 in 2024), below the usual 1.5. Short-term debt is 37.9% and cash 19.2% of total assets. 37.9% of the assets are financed with debt and provisions.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
raises risk
raises risk · Last filed accounts filed 58 days late; 2 of the last 3 accounts late
NBB · filings
raises risk · Sector: Construction of residential and non-residential buildings (NACE 41)
KBO
raises risk · Founded in 2020
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Size: total assets €39,747
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · 2025 accounts filed 58 days late
The financial year that closed on 30-11-2025 was due by 30-06-2026 and was filed on 27-08-2026, 58 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 5 filings
Deviation from the deadline
2025
58 days late
2024
20 days early
2023
38 days late
2022
170 days late
2021
3 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 5 accounts on average 50 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 30-11-2026 and is due by 30-06-2027. Nothing is late today. The company usually files around 8 August (4 of the last 5 accounts filed within 59 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
09-11-2026 today30-11-2026 year end30-06-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

ME
MARGARITESCU Elena-Claudia
Director
  • MARGRITESCU Elena-Claudia 51 sharesdeed of 14-07-2020
  • CHIRIAC Bogdan 49 sharesdeed of 14-07-2020
Board & ownership

Recent changes

Registered office moved from Liège to Flémalle New registered office: Rue Jean-Louis Adam 67, 4400 FLEMALLE · Previous registered office: Rue de Lantin 186, 4000 LIEGE · General meeting of 19-02-2026 · Gazette deed
Registered in the Peppol Directory Reachable for e-invoices through 0208:0750537795
Registered office moved from Liège to Roccourt New registered office: Rue de Lantin 186, 4000 ROCCOURT · Previous registered office: Chaussée de Tongres 342, 4000 Liege · General meeting of 01-10-2021 · Gazette deed
Incorporation Founding capital of €5,000, 100 shares · Founders: MARGRITESCU Elena-Claudia and CHIRIAC Bogdan · Appointments: MARGRITESCU Elena-Claudia (director) and CHIRIAC Bogdan (director) · published on 14-07-2020 · Gazette deed
All 12 events

Comparable companies

same main activity, similar in size and age
Company
MARKI Flémalle €39,747 €15,819 62.1% -
NULLENS CONSTRUCTIONS Oupeye €37,417 €19,005 52.3% -
Jo L Construction Welkenraedt €35,813 €14,920 34.3% -
M&S BOUWWERKEN Houthalen-Helchteren €39,929 €15,664 62.2% -
DREAM HOME PROJECT Ixelles €35,861 €16,144 28.6% -
Lars Vandewiele Zottegem €42,018 €17,525 78.4% -
STELA GROUP Brussels €41,792 €17,764 77.6% -

These companies have the same main activity as MARKI: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €35,800 and €42,000, founded between 2019 and 2020.

Official details

Source: KBO
Status
Active since 10-07-2020Normal situation
Activity
General construction of residential buildingsNACE 41001and 1 other
Establishment unit
2.308.874.8654000 Liège, since 10-07-2020
Financial year end
30 November
Peppol
Reachable since 10-01-2026
Company details

Annual accounts to 30-11-2025

€15,819▼ 31.6%
€2,675▼ 85.6%
€24,686▲ 12.2%
€39,747▼ 14.4%
Filing
Filed on 27-08-2026
Financials

Insights on MARKI

MARKI files the micro format. That format states no turnover. The gross margin rose from €9,172 in 2021 to €15,819 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 27-08-2026, 58 days late
€15,819
▼ 31.6%
€6,457
▼ 68.0%
€2,675
▼ 85.6%
€2,500
▲ 26×
62.1%
▲ 14.7 percentage points
1.17
▲ 0.16

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €190,000. Estimated: probably between €99,000 and €340,000.

Balance sheet

balance sheet total €39,747 on 30-11-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

62.1%

Higher than 71% of 9,452 companies in 2025.

1.17

Higher than 30% of 9,200 companies in 2025.

6.7%

Higher than 50% of 9,272 companies in 2025.

MARKI Middle half of the sector 80% of the sector Micro accounts in construction of buildings (NACE 41)

Net result: middle half · Equity: middle half · Balance sheet total: bottom quarter · Working capital: middle half

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend20252024202320222021
Balance sheet: assets
20/58 39,74746,43922,29736,92924,492
21/28 22,18621,91511,151--
22/27 8,18612,9152,151--
22 --2,151--
23 8741,321---
24 7,31211,594---
28 14,0009,0009,000--
29/58 17,56124,52511,14636,92924,492
40/41 9,91613,23610,83236,06021,211
40 9,9169,3398,42516,8577,460
41 -3,8982,40719,20313,752
54/58 7,64510,0743147953,280
490/1 -1,215-74-
Balance sheet: equity and liabilities
10/49 39,74746,43922,29736,92924,492
10/15 24,68622,0113,46520,20711,961
10/11 5,0005,0005,0005,0005,000
14 19,68617,011-1,53515,2076,961
17/49 15,06124,42818,83216,72212,531
42/48 15,06124,42818,83216,72212,531
44 1,4658,6192,9365,7293,263
440/4 1,4658,6192,9365,7293,263
45 2,065723-10,9939,268
450/3 2,065723-10,9939,268
47/48 11,53215,08715,896--
Income statement
9900 15,81923,112-16,39911,3799,172
62 25424421--
630 5,0491,575349--
640/8 4,0591,109840661365
9901 6,45720,184-17,60910,7188,807
75/76B --1,365--
75 --1,365--
65/66B 2,44191449939421
65 2,44191449939421
9903 4,01719,270-16,74310,3258,786
67/77 1,342723-2,0781,825
9904 2,67518,546-16,7438,2466,961
9905 2,67518,546-16,7438,2466,961
Appropriation of the result
9906 19,68617,011-1,53515,2076,961
14P 17,011-1,53515,2076,961-
Document PDFPDFPDFPDFPDF

The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 27-08-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank

2025 annual accounts filed 58 days after the deadline. Filed on 27 August 2026, deadline 30 June 2026 (7 months after the close on 30 November 2025, Companies Code art. 3:10). Source: NBB, 2026-00452725.

Financial year Type Filed Reference Document
30-11-2025 micro format 27-08-2026 2026-00452725 PDF
30-11-2024 micro format 10-06-2025 2025-00142580 PDF
30-11-2023 micro format 07-08-2024 2024-00340524 PDF
30-11-2022 micro format 17-12-2023 2023-00531249 PDF
30-11-2021 micro format 03-07-2022 2022-20137823 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend20252024202320222021
11,50621,759-17,259--
7,72420,121-16,394--
5,32012,33911,500--
-2,4299,760-482-2,485-
2,50096-7,68620,20711,961
62.1%47.4%15.5%54.7%48.8%
1.171.000.592.211.95
0.611.115.440.831.05
10.8%84.3%-483.3%40.8%58.2%
6.7%39.9%-75.1%22.3%28.4%
4.7123.80-34.58--

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Investments

fixed assets acquired
Item30-11-202530-11-202430-11-202330-11-202230-11-2021
Tangible fixed assets€320€12,339€2,500--
Financial fixed assets€5,000-€9,000--
€5,049€1,575€349--

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on MARKI

The operating result for 2025 is 68% lower than in 2024.

Debt's share of the balance-sheet total falls from 52.6% to 37.9%. Equity is higher and debt is lower.

Board & ownership

Board

1 director, since incorporation
MARGARITESCU Elena-Claudia
Director
in office according to the deed of 15-12-2021

Office holders in the KBO →

Mandates through the years

3 names, the dashed line is today
MARGARITESCU Elena-Claudia
Director
CHIRIAC Bogdan
Director (not named in the articles)
MARGRITESCU Elena-Claudia
Director (not named in the articles)
BoardEarliermandate already running before its first mentionend not dated
Mandates as a list
  • MARGARITESCU Elena-Claudia
    • Director, since before 15-12-2021
  • CHIRIAC Bogdan
    • Director (not named in the articles), appointed by deed of 14-07-2020, last mentioned in 2020
  • MARGRITESCU Elena-Claudia
    • Director (not named in the articles), appointed by deed of 14-07-2020, last mentioned in 2020

See the board, name and registered office on a given date →

Control

This company
MARKI
Equity €24,686
Profit €2,675 in 2025

Capital

Contribution
€5,000
Shares
100
Contribution per share
€50
Equity per share
€247 in 2025
Source
deed of 14-07-2020

Articles of association

deed of 14-07-2020 (in French)
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
First Thursday of May at 19:00

Shareholders

At incorporation deed of 14-07-2020 ↗

Network & group

No group

MARKI has no parent and no holdings in its annual accounts. MARGARITESCU Elena-Claudia is the only director.

Connections & network

Timeline

Timeline

12 events since 2020

Deadline for the 2026 accounts: 30-06-2027

2026
Annual accounts 2025 filed NBBmicro format · 58 days late
Registered office moved from Liège to FlémalleNew registered office: Rue Jean-Louis Adam 67, 4400 FLEMALLE · Previous registered office: Rue de Lantin 186, 4000 LIEGE · General meeting of 19-02-20262 points ▸
  • General meeting, 19-02-2026
  • Registered-office move, Rue Jean-Louis Adam 67, 4400 FLEMALLE

Open the deed in the Belgian Official Gazette

Registered in the Peppol Directory Reachable for e-invoices through 0208:0750537795
2025
Annual accounts 2024 filed PDFmicro format · 20 days before the deadline
2024
Back to profit net €18,546 The net result is €18,546, after one loss-making year.
Annual accounts 2023 filed PDFmicro format · 38 days late
2023
Annual accounts 2022 filed PDFmicro format · 170 days late
Weakest financial year net -€16,743 The net result drops to -€16,743, the lowest from 2021 to 2025. It recovers the following year.
2022
Annual accounts 2021 filed PDFmicro format · 3 days late
2021
Registered office moved from Liège to RoccourtNew registered office: Rue de Lantin 186, 4000 ROCCOURT · Previous registered office: Chaussée de Tongres 342, 4000 Liege · General meeting of 01-10-20212 points ▸
  • General meeting, 01-10-2021
  • Registered-office move, Rue de Lantin 186, 4000 ROCCOURT

Open the deed in the Belgian Official Gazette

2020
IncorporationFounding capital of €5,000, 100 shares · Founders: MARGRITESCU Elena-Claudia and CHIRIAC Bogdan · Appointments: MARGRITESCU Elena-Claudia (director) and CHIRIAC Bogdan (director) · published on 14-07-20207 points ▸

Open the deed in the Belgian Official Gazette

First establishment Rue de Lantin 186, Liège

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

On 10 July 2020, MARKI was incorporated as a private limited company by two natural persons, with a starting capital of €5,000.12 The registered office moved to Roccourt in 2021 and to Flémalle in 2026.34 MARGARITESCU Elena-Claudia is director of the company according to the deed of 15-12-2021.3 Total assets went from €24,492 in 2021 to €39,747 in 2025.5

  1. 1KBO register
  2. 2Belgian Official Gazette, 14-07-2020
  3. 3Belgian Official Gazette, 15-12-2021
  4. 4Belgian Official Gazette, 29-07-2026
  5. 5National Bank, annual accounts 2021 and 2025

Company details

Identity

Enterprise number
0750.537.795
VAT number
BE 0750.537.795
Peppol ID
0208:0750537795
Legal form
Private limited company
Status
Active, normal situation
Founded
10-07-2020
Financial year
ends on 30 November
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
First Thursday of May at 19:00
deed of 14-07-2020 (in French)
Peppol
Reachable since 10-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
MARKI in French
Entity type
Legal entity

Activities

NACEBEL 2025
VAT activities
Social security (RSZ) activities
Codes under NACEBEL 2008
41201 General construction of buildings main activity
PurposeThe purpose describes the activities the company may carry out under its articles.
“Librairie; Entreprise de courrier express; Tous snacks bars,pizzeria,brasseries,salon de…”
29 activities
  1. Librairie
  2. Entreprise de courrier express
  3. Tous snacks bars,pizzeria,brasseries,salon de consommation,hôtels,restaurants,tavernes,cafés,discothèques,buffets,vestiaires pour publics,locations de places,salles d’organisation,de banquet et service traiteur
  4. Garage auto ainsi que la réalisation d’un commerce de voitures d’occasion y compris la location des voitures
  5. Entreprise de réparation de véhicules automobiles,la réparation des parties mécaniques et électriques
  6. D’un salon de coiffure
  7. Entreprise de design
  8. Entreprise de garde et sécurité
  9. Nettoyage et l’entretien d’immeubles professionnels ou privé,le nettoyage de vitres et de bureaux
  10. Travaux de secrétariat,de bureau et travaux administratifs
  11. Soutien de bureau,conseil
  12. Le commerce au détail de véhicules automobiles pour le transport de personnes y compris les véhicules automobiles spécialisés (ambulances)
  13. Services ménagers dans le système des titres services (nettoyage à domicile,lessive,repassage,petits travaux de couture,préparation des repas,services de courses ménagères)
  14. La fabrication de meubles
  15. Garderie d’enfants
  16. L’informatique en général : l’élaboration et la conception de logiciel,la vente et l’achat de matériel informatique et de bureau,ainsi que de consommables de bureau,l’étude de projets informatiques au sens large,et tout ce qui se rapporte directement ou indirectement à l’informatique,la consultance,la formation,la commercialisation des services et de produits,la maintenance hardware et software
  17. Tous matériaux,marchandises,appareils et outillages nécessaires aux travaux de construction,d’entretien,de maintenance,de réparation et de renouvellement des ouvrages d’art et bâtiments
  18. Tous matériel électrique et électronique,sanitaire et plomberie
  19. Tous produits alimentaires tels que fruits,légumes,conserves,produits laitiers,produits de la mer,poissons,boucherie,articles de ménage et article cadeaux
  20. Vidéothèque,location de produits de divertissements,films et tous autres produits assimilés
  21. Tous textiles en général,vêtements divers,chaussures,cordonnerie,serrurerie,maroquinerie dans le sens le plus large
  22. Tous produits de l’artisanat en général,tapisserie,y compris les articles du tiers-monde,des meubles
  23. Tous les articles de parfumerie,de toilette,cosmétiques,produits de beauté,maquillage,ainsi que savons et détergents
  24. Tous les articles d’horticulture tels que fleurs,plantes,articles de jardinage,aménagement et entretien de jardins et de pépinières
  25. Tous livres,antiquités,brocantes,objets de décoration,machines industrielles
  26. Tous appareils électroménagers,tous films de bandes magnétiques,cassettes,tous articles imprimés ou enregistrés permettant leur lecture,vision ou audition
  27. Tous matériels de bureau et d’informatique
  28. Tous matériaux de bureau et de l’informatique,téléphones,gsm,fax
  29. Tous véhicules neufs et d’occasion,ainsi que leurs pièces détachées
deed of 14-07-2020 (in French)

Registered office and establishments

1 establishment
Establishment Since Unit number
Rue Jean Louis Adam 67 registered office 4400 Flémalle
Rue de Lantin 186 4000 Liège 2511001 Manufacture of metal structures and parts of structures 10-07-2020 2.308.874.865
2 former offices
  • Rue de Lantin 186, 4000 Liege until the deed of 29-07-2026
  • Chaussée de Tongres 342, 4000 Liege until the deed of 15-12-2021

Buildings and parcels at the addresses

Ground area
2,159 m²
Buildings
223 m²
Volume, LiDAR
1,202 m³
Tallest building
9.2 m
Buildings to scale, each on its own parcel
176 m², 7.5 m 47 m², 9.2 m 176 m², 7.5 m 47 m², 9.2 m

Location

registered office establishment The establishment unit on the map

Parcels

Cadastral parcelArea Buildings Height / floors
62072C1081/00M0022,017 m² 1 · 176 m² 7.5 m · 2
62087B0340/00L002142 m² 1 · 47 m² 9.2 m · 3

Recognitions

Parcel delivery

Notified to the BIPT
since 07-05-2024

Invoicing and payment

Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0750.537.795