Marmi
ActiveSummary
Marmi has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €296k and a net result of €24k. Equity is growing by ~8.4% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability51▲+1
Solvency90▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity short (current ratio 0.6 against 0.58 in 2024; short-term debt: 34.5% and cash: 14% of total assets), and 34.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
65.5%
Return on assets
5.4%
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 30-04-2026, 92 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
92 d early
2024
70 d early
2023
64 d early
2022
48 d early
2021
20 d early
2020
40 d early
2019
42 d early
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€296k▲ 9.0%
2024 · €272k
2018: €160klowest in 8 years
2019: €179k▲ +11.6% vs 2018
2020: €195k▲ +9.1% vs 2019
2021: €215k▲ +10.2% vs 2020
2022: €225k▲ +4.8% vs 2021
2023: €248k▲ +9.9% vs 2022
2024: €272k▲ +9.7% vs 2023
2025: €296k▲ +9.0% vs 2024highest in 8 years
2018 → 2025
Total assets
€453k▼ 5.2%
2024 · €477k
2018: €361klowest in 8 years
2019: €398k▲ +10.1% vs 2018
2020: €374k▼ -5.9% vs 2019
2021: €395k▲ +5.4% vs 2020
2022: €415k▲ +5.2% vs 2021
2023: €454k▲ +9.3% vs 2022
2024: €477k▲ +5.3% vs 2023highest in 8 years
2025: €453k▼ -5.2% vs 2024
2018 → 2025
Net result
€24k▲ 1.8%
2024 · €24k
2018: €14k
2019: €19k▲ +31.7% vs 2018
2020: €16k▼ -12.6% vs 2019
2021: €20k▲ +22.4% vs 2020
2022: €10k▼ -48.7% vs 2021lowest in 8 years
2023: €22k▲ +119% vs 2022
2024: €24k▲ +7.4% vs 2023
2025: €24k▲ +1.8% vs 2024highest in 8 years
2018 → 2025
Working capital
€-63k▲ 28.1%
2024 · €-87k
2018: €-199klowest in 8 years
2019: €-180k▲ +9.4% vs 2018
2020: €-164k▲ +9.1% vs 2019
2021: €-144k▲ +12.2% vs 2020
2022: €-134k▲ +7.1% vs 2021
2023: €-111k▲ +16.8% vs 2022
2024: €-87k▲ +21.6% vs 2023
2025: €-63k▲ +28.1% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€215k-€225k▲ 4.8%€248k▲ 9.9%€272k▲ 9.7%€296k▲ 9.0%
2021: €215klowest in 5 years
2022: €225k▲ +4.8% vs 2021
2023: €248k▲ +9.9% vs 2022
2024: €272k▲ +9.7% vs 2023
2025: €296k▲ +9.0% vs 2024highest in 5 years
Operating result€20k-€10k▼ 48.4%€23k▲ 117%€24k▲ 7.4%€25k▲ 1.6%
2021: €20k
2022: €10k▼ -48.4% vs 2021lowest in 5 years
2023: €23k▲ +117% vs 2022
2024: €24k▲ +7.4% vs 2023
2025: €25k▲ +1.6% vs 2024highest in 5 years
Net result€20k-€10k▼ 48.7%€22k▲ 119%€24k▲ 7.4%€24k▲ 1.8%
2021: €20k
2022: €10k▼ -48.7% vs 2021lowest in 5 years
2023: €22k▲ +119% vs 2022
2024: €24k▲ +7.4% vs 2023
2025: €24k▲ +1.8% vs 2024highest in 5 years
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 2% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €453k
Fixed assets
€359k =
Current assets
€94k ▼ 21.0%
Equity and liabilities €453k
Equity
€296k ▲ 9.0%
Debt
€156k ▼ 24.0%
Debt's share of the balance-sheet total falls from 43.1% to 34.5%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
0.60▲
2024 · 0.58
Debt to equity
0.53▼
2024 · 0.76
ROE
8.3%▼
2024 · 8.8%
ROA
5.4%▲
2024 · 5.0%
Debt ≤ 1 year
€156k▼
2024 · €206k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 33 lines
Balance sheet
Code20242025
Assets
Total assets20/58€477k€453k▼
Fixed assets21/28€359k€359k=
Tangible fixed assets22/27€359k€359k=
Land and buildings22€359k€359k=
Current assets29/58€118k€94k▼
Amounts receivable within one year40/41€108k€30k▼
Other amounts receivable41€108k€30k▼
Cash at bank and in hand54/58€11k€64k▲
Equity and liabilities
Total equity and liabilities10/49€477k€453k▼
Equity10/15€272k€296k▲
Contributions10/11€40k€40k=
Reserves13€174k€254k▲
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Distributable reserves133€170k€250k▲
Profit (loss) carried forward14€58k€2k▼
Amounts payable17/49€206k€156k▼
Amounts payable within one year42/48€206k€156k▼
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Other amounts payable47/48€204k€154k▼
Income statement
Code20242025
Other operating charges640/8€10k€11k▲
Gross operating margin9900€34k€36k▲
Operating profit (loss)9901€24k€25k▲
Financial charges65/66B€153€112▼
Recurring financial charges65€153€112▼
Profit (loss) for the period before taxes9903€24k€24k▲
Profit (loss) for the period9904€24k€24k▲
Profit (loss) for the period to be appropriated9905€24k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€58k€82k▲
Profit (loss) brought forward from the previous period14P€34k€58k▲
Transfer to equity691/2-€80k
To other reserves6921-€80k
The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €9k | €9k | €10k | €10k | €11k | ▲ 8.2% |
| Gross operating margin9900 | €29k | €19k | €32k | €34k | €36k | ▲ 3.6% |
| Operating profit (loss)9901 | €20k | €10k | €23k | €24k | €25k | ▲ 1.6% |
| Financial charges65/66B | €202 | €153 | €153 | €153 | €112 | ▼ 27.2% |
| Recurring financial charges65 | €202 | €153 | €153 | €153 | €112 | ▼ 27.2% |
| Profit (loss) for the period before taxes9903 | €20k | €10k | €22k | €24k | €24k | ▲ 1.8% |
| Profit (loss) for the period9904 | €20k | €10k | €22k | €24k | €24k | ▲ 1.8% |
| Profit (loss) for the period to be appropriated9905 | €20k | €10k | €22k | €24k | €24k | ▲ 1.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €395k | €415k | €454k | €477k | €453k | ▼ 5.2% |
| Fixed assets21/28 | €359k | €359k | €359k | €359k | €359k | = |
| Tangible fixed assets22/27 | €359k | €359k | €359k | €359k | €359k | = |
| Land and buildings22 | €359k | €359k | €359k | €359k | €359k | = |
| Current assets29/58 | €36k | €56k | €95k | €118k | €94k | ▼ 21.0% |
| Amounts receivable within one year40/41 | €35k | €49k | €87k | €108k | €30k | ▼ 72.1% |
| Other amounts receivable41 | €35k | €49k | €87k | €108k | €30k | ▼ 72.1% |
| Cash at bank and in hand54/58 | €988 | €7k | €8k | €11k | €64k | ▲ 493% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €395k | €415k | €454k | €477k | €453k | ▼ 5.2% |
| Equity10/15 | €215k | €225k | €248k | €272k | €296k | ▲ 9.0% |
| Contributions10/11 | €40k | €40k | €40k | €40k | €40k | = |
| Reserves13 | €174k | €174k | €174k | €174k | €254k | ▲ 46.0% |
| Non-distributable reserves130/1 | €4k | €4k | €4k | €4k | €4k | = |
| Reserves not available under the articles1311 | €4k | €4k | €4k | €4k | €4k | = |
| Distributable reserves133 | €170k | €170k | €170k | €170k | €250k | ▲ 47.1% |
| Profit (loss) carried forward14 | €1k | €11k | €34k | €58k | €2k | ▼ 95.9% |
| Amounts payable17/49 | €180k | €190k | €206k | €206k | €156k | ▼ 24.0% |
| Amounts payable within one year42/48 | €180k | €190k | €206k | €206k | €156k | ▼ 24.0% |
| Trade debts44 | - | €10k | €1k | €1k | €2k | ▲ 54.0% |
| Suppliers440/4 | - | €10k | €1k | €1k | €2k | ▲ 54.0% |
| Other amounts payable47/48 | €180k | €180k | €205k | €204k | €154k | ▼ 24.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €20k | €10k | €22k | €24k | €24k | ▲ 1.8% |
| Operating cash flow (approximation) | €20k | €10k | €22k | €24k | €24k | ▲ 1.8% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €6k | €476 | €3k | €53k | ▲ 1,805% |
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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €24k ▲1.8%
Operating result €25k, net result €24k, both a record.
22-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €10k ▼48.7%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €215k ▲10.2%
4 profitable years in a row build equity to €215k.
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
24-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
07-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 1966
Ground area
288 m²
Building footprint
46 m²
Volume, LiDAR
1,025 m³
Parcel 11808H1179/00M021, Flanders · tallest building 26.6 m, ±8 floors. Linked by address, not a title deed.
29
companies at this address
See who is registered here
1 establishment unit
Hoveniersstraat 9, 2018 Antwerpen
since 19662.000.982.910
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1179/00M021 | Flanders | 288 m² | 1 · 46 m² | 26.6 m · 8 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.
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded01-01-1968
Fiscal year end31-12
Scores and ratios are computed by Checked and are not a credit decision.