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MARLEM

Active
Private limited companyfounded 2025incorporated this yearRue Zénobe Gramme(Jeh) 15A, 4540 Amay, BelgiumKBO/BCE: BE 1028.790.413
Summary

MARLEM is younger than twelve months; there is no public track record yet to compute a bankruptcy probability from. The 2025 annual accounts show equity of €9,704 and a net result of €4,704. The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability100
Solvency88
Growth-
Track record50
Credit verdict
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.84; short-term debt: 35.9% and cash: 51.5% of total assets), and 37.3% of the assets are financed with debt.
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Signals

Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2025, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 0 years 0 10 y
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 27-07-2026, 4 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
4 d early
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

MARLEM was incorporated on 7 October 2025 as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Turnover
€0
Total assets
€15,482
Net result
€4,704
Working capital
€4,686

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €11,752
Fixed assets €1,506
Current assets €10,247
Equity and liabilities €15,482
Equity €9,704
Debt €5,778
Debt finances 37.3% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€6,627
Cash flow
€5,012
Current ratio
1.84
Debt to equity
0.60
ROE
48.5%
ROA
30.4%
Interest coverage
30.86
Debt ≤ 1 year
€5,560
Income taxes
€1,400
Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 37 lines
Balance sheet Code2025
Assets
Total assets20/58€15,482
Formation expenses20€3,730
Fixed assets21/28€1,506
Tangible fixed assets22/27€1,506
Furniture and vehicles24€1,506
Current assets29/58€10,247
Amounts receivable within one year40/41€936
Trade receivables40€336
Other amounts receivable41€600
Cash at bank and in hand54/58€7,973
Deferred charges and accrued income490/1€1,338
Equity and liabilities
Total equity and liabilities10/49€15,482
Equity10/15€9,704
Contributions10/11€5,000
Profit (loss) carried forward14€4,704
Amounts payable17/49€5,778
Amounts payable within one year42/48€5,560
Trade debts44€324
Suppliers440/4€324
Taxes, remuneration and social security45€54
Taxes450/3€54
Remuneration and social security454/9€0
Other amounts payable47/48€5,183
Accrued charges and deferred income492/3€218
Income statement Code2025
Turnover70€0
Goods, raw materials, services and sundry goods60/61€0
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€309
Other operating charges640/8€396
Gross operating margin9900€7,024
Operating profit (loss)9901€6,319
Financial charges65/66B€215
Recurring financial charges65€215
Profit (loss) for the period before taxes9903€6,104
Income taxes67/77€1,400
Profit (loss) for the period9904€4,704
Profit (loss) for the period to be appropriated9905€4,704
Appropriation of the result
Profit (loss) to be appropriated9906€4,704

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Turnover70€0
Goods, raw materials, services and sundry goods60/61€0
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€309
Other operating charges640/8€396
Gross operating margin9900€7,024
Operating profit (loss)9901€6,319
Financial charges65/66B€215
Recurring financial charges65€215
Profit (loss) for the period before taxes9903€6,104
Income taxes67/77€1,400
Profit (loss) for the period9904€4,704
Profit (loss) for the period to be appropriated9905€4,704
Line2025
Assets
Total assets20/58€15,482
Formation expenses20€3,730
Fixed assets21/28€1,506
Tangible fixed assets22/27€1,506
Furniture and vehicles24€1,506
Current assets29/58€10,247
Amounts receivable within one year40/41€936
Trade receivables40€336
Other amounts receivable41€600
Cash at bank and in hand54/58€7,973
Deferred charges and accrued income490/1€1,338
Equity and liabilities
Total equity and liabilities10/49€15,482
Equity10/15€9,704
Contributions10/11€5,000
Profit (loss) carried forward14€4,704
Amounts payable17/49€5,778
Amounts payable within one year42/48€5,560
Trade debts44€324
Suppliers440/4€324
Taxes, remuneration and social security45€54
Taxes450/3€54
Remuneration and social security454/9€0
Other amounts payable47/48€5,183
Accrued charges and deferred income492/3€218
Line2025
Profit (loss) for the period9904€4,704
+ Depreciation and write-downs630€309
Operating cash flow (approximation)€5,012

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
27-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
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, Amay · 1 establishment unit since 2025
seat establishment The establishment unit on the map
Ground area
3,221 m²
Building footprint
205 m²
Volume, LiDAR
352 m³
2 parcels, Wallonia · tallest building 4.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Rue de Huy(CHA) 85B, 4537 Verlaine
General medical practice
since 20252.381.652.777
2 parcels
Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
61022B0554/00F000 Wallonia 2,309 m² 1 · 103 m² -
61011B0109/03B000 Wallonia 913 m² 1 · 101 m² 4.0 m · 1 fl.
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Identification & contact

Identification
Legal formPrivate limited company
Founded07-10-2025
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

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Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

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Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.