MARMEX
ActiveMARMEX has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €174k and a net result of €10k. Equity is growing by ~18.8% per year across the filed fiscal years. Its solvency ranks better than 67% of 27358 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
86
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability27▼-30
Solvency95▼-5
Growth78=
Stability100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 1.82 against 2.51 in 2024), and 37.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
62.8%
Return on assets
3.4%
Age of the figures
8 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 19-08-2026, 19 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
19 d late
2024
30 d late
2023
57 d late
2022
on the day
2021
31 d late
2020
31 d late
2019
47 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€419k
EBIT margin
9.8%
Net result
€10k▼ 49.4%
2024 · €19k
2018: €-6k
2019: €-6k
2020: €43k
2021: €20k
2022: €22k
2023: €25k
2024: €19k
2018 → 2025
Working capital
€85k▼ 28.2%
2024 · €118k
2018: €6k
2019: €-7k
2020: €-15k
2021: €-55k
2022: €-9k
2023: €56k
2024: €118k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€419k
Equity€99k-€121k▲ 21.7%€146k▲ 20.7%€165k▲ 12.9%€174k▲ 5.8%
Operating result€21k-€41k▲ 98.7%€36k▼ 11.7%€28k▼ 22.6%€14k▼ 50.7%
Net result€20k-€22k▲ 8.3%€25k▲ 16.4%€19k▼ 24.9%€10k▼ 49.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 51% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €277k
Fixed assets
€89k▲ 92.6%
Current assets
€188k▼ 4.1%
Equity and liabilities €277k
Equity
€174k▲ 5.8%
Debt
€103k▲ 32.3%
The debt ratio rises from 32.2% to 37.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€49k▼
2024 · €50k
Cash flow
€45k▲
2024 · €40k
Solvency
62.8%▼
2024 · 67.8%
Current ratio
1.82▼
2024 · 2.51
Quick ratio
1.55▼
2024 · 2.32
Debt / equity
0.59▲
2024 · 0.47
ROE
5.5%▼
2024 · 11.4%
ROA
3.4%▼
2024 · 7.7%
Interest coverage
30.88▲
2024 · 29.02
Debt
€103k▲
2024 · €78k
Debt ≤ 1 year
€103k▲
2024 · €78k
Income taxes
€3k▼
2024 · €8k
Staff costs
€13k▼
2024 · €31k
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€243k€277k▲
Fixed assets21/28€46k€89k▲
Tangible fixed assets22/27€46k€89k▲
Plant, machinery and equipment23€33k€77k▲
Furniture and vehicles24€11k€11k▼
Other tangible fixed assets26€3k€2k▼
Current assets29/58€196k€188k▼
Stocks and contracts in progress3€15k€28k▲
Stocks30/36€15k€28k▲
Amounts receivable within one year40/41€127k€155k▲
Trade receivables40€122k€154k▲
Other amounts receivable41€5k€621▼
Cash at bank and in hand54/58€51k-
Deferred charges and accrued income490/1€3k€5k▲
Equity and liabilities
Total equity and liabilities10/49€243k€277k▲
Equity10/15€165k€174k▲
Contributions10/11€19k€19k=
Reserves13€13k€13k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€11k€11k=
Profit (loss) carried forward14€133k€143k▲
Amounts payable17/49€78k€103k▲
Amounts payable within one year42/48€78k€103k▲
Financial debts43-€6k
Credit institutions430/8-€6k
Trade debts44€31k€64k▲
Suppliers440/4€31k€64k▲
Advances received on contracts in progress46€5k€11k▲
Taxes, remuneration and social security45€30k€10k▼
Taxes450/3€17k€10k▼
Remuneration and social security454/9€13k-
Other amounts payable47/48€12k€12k▼
Income statement
Code20242025
Remuneration, social security and pensions62€31k€13k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€35k▲
Other operating charges640/8€3k€8k▲
Gross operating margin9900€84k€70k▼
Operating profit (loss)9901€28k€14k▼
Financial income75/76B€38€16▼
Recurring financial income75€38€16▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€26k€12k▼
Income taxes67/77€8k€3k▼
Profit (loss) for the period9904€19k€10k▼
Profit (loss) for the period to be appropriated9905€19k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€133k€143k▲
Profit (loss) brought forward from the previous period14P€114k€133k▲
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
Next filing, fiscal year 2026, expected by
2026
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Equity above €150kEq €165k ▲12.9%
5 profitable years in a row build equity to €165k.
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €121k ▲21.7%
3 profitable years in a row build equity to €121k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €43k
Net result €43k after 2 loss-making years.
16-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 47 days late
13-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 166 days late
2019
31-12
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 61 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Ganshoren · 1 establishment unit since 2010
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.
Dendermondsestraat 2101083 GanshorenGround area
1,815 m²
Building footprint
936 m²
Volume, LiDAR
5,969 m³
2 parcels, Brussels, Wallonia · tallest building 12.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Sint Jozefvest(E) 34, 7850 Enghien
since 20102.183.842.360
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21392A0058/00Y010 | Brussels | 1,282 m² | 1 · 936 m² | 12.7 m · 2 fl. |
| 55033D0290/00H000 | Wallonia | 533 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 3,937 companies in sector 43331 we hold annual accounts for 1,777. 1,446 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-10-2009
Fiscal year end31-12
Activities, NACEBEL
43331Floor and wall tiling
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.