MARLA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €491k and a net result of €11k. Equity is growing by ~13.1% per year across the filed fiscal years. Its solvency ranks better than 86% of 9864 sector peers (fiscal year 2024). The company has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-06-2025, 37 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
37 d early
2023
51 d early
2022
29 d late
2021
25 d early
2020
8 d early
2019
43 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€491k▲ 2.3%
2023 · €480k
2018: €239k
2019: €265k
2020: €298k
2021: €422k
2022: €461k
2023: €480k
2018 → 2024
Net result
€11k▼ 41.7%
2023 · €19k
2018: €21k
2019: €26k
2020: €33k
2021: €123k
2022: €40k
2023: €19k
2018 → 2024
Total assets
€552k▼ 8.1%
2023 · €600k
2018: €618k
2019: €602k
2020: €604k
2021: €577k
2022: €584k
2023: €600k
2018 → 2024
Solvency
89.0%▲ 9.0pp
2023 · 80.0%
2018: 38.6%
2019: 44.0%
2020: 49.3%
2021: 73.1%
2022: 79.1%
2023: 80.0%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€298k-€422k▲ 41.4%€461k▲ 9.5%€480k▲ 4.0%€491k▲ 2.3%
Operating result€52k-€179k▲ 245%€57k▼ 68.2%€32k▼ 44.5%€20k▼ 37.3%
Net result€33k-€123k▲ 270%€40k▼ 67.7%€19k▼ 53.4%€11k▼ 41.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2024 is 37% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €552k
Fixed assets
€322k▼ 1.2%
Current assets
€230k▼ 16.2%
Equity and liabilities €552k
Equity
€491k▲ 2.3%
Provisions
€0▼ 100%
Debt
€61k▼ 47.2%
The debt ratio falls from 19.2% to 11.0%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
89.0%▲
2023 · 80.0%
ROE
2.2%▼
2023 · 3.9%
ROA
2.0%▼
2023 · 3.1%
Debt
€61k▼
2023 · €115k
Debt ≤ 1 year
€34k▼
2023 · €63k
Debt > 1 year
€27k▼
2023 · €51k
Income taxes
€3k▼
2023 · €5k
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€600k€552k▼
Fixed assets21/28€326k€322k▼
Tangible fixed assets22/27€103k€99k▼
Land and buildings22€97k€94k▼
Plant, machinery and equipment23€6k€5k▼
Financial fixed assets28€223k€223k=
Current assets29/58€274k€230k▼
Amounts receivable after more than one year29€200k€200k=
Other amounts receivable291€200k€200k=
Amounts receivable within one year40/41€49k€23k▼
Trade receivables40€8k€1k▼
Other amounts receivable41€41k€22k▼
Cash at bank and in hand54/58€25k€6k▼
Equity and liabilities
Total equity and liabilities10/49€600k€552k▼
Equity10/15€480k€491k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€418k€429k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€412k€423k▲
Provisions and deferred taxes16€5k-
Provisions for liabilities and charges160/5€5k-
Major repairs and maintenance162€5k-
Amounts payable17/49€115k€61k▼
Amounts payable after more than one year17€51k€27k▼
Financial debts170/4€51k€27k▼
Amounts payable within one year42/48€63k€34k▼
Current portion of amounts payable after more than one year42€27k€25k▼
Trade debts44€16k€2k▼
Suppliers440/4€16k€2k▼
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€2k€2k▼
Other amounts payable47/48€17k€6k▼
Accrued charges and deferred income492/3€937-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€-15k€-5k▲
Other operating charges640/8€7k€5k▼
Gross operating margin9900€27k€24k▼
Operating profit (loss)9901€32k€20k▼
Financial income75/76B€330-
Recurring financial income75€330-
Financial charges65/66B€8k€6k▼
Recurring financial charges65€8k€6k▼
Profit (loss) for the period before taxes9903€23k€14k▼
Income taxes67/77€5k€3k▼
Profit (loss) for the period9904€19k€11k▼
Profit (loss) for the period to be appropriated9905€19k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€11k▼
Transfer to equity691/2€19k€11k▼
To other reserves6921€19k€11k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €11k ▼41.7%
Net result drops to €11k, the lowest in the series.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 6.89
Current ratio from 3.01 to 6.89; short-term debt falls from €91k to €42k.
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €123k ▲270%
Operating result €179k, net result €123k, both a record.
31-12
Financial
Liquidity times 38current ratio 3.01
Current ratio from 0.08 to 3.01; short-term debt falls from €170k to €91k.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
18-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
27-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
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, Sint-Laureins · 1 establishment unit since 1997
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.
Molenstraat(WAT) 669988 Sint-LaureinsGround area
816 m²
Building footprint
172 m²
Volume, LiDAR
1,154 m³
Parcel 43017B0239/00R002, Flanders · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Molenstraat(WAT) 66, 9988 Sint-Laureins
since 19972.080.348.904
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43017B0239/00R002 | Flanders | 816 m² | 1 · 172 m² | 11.6 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,760. 13,611 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded29-11-1996
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 28 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.