Equity
-€61,074
Debts exceed assets in financial year 2025.
Marmor Construct
Overview
Lifetime
4 annual accounts with figures on one time axispeak -€5,972 (2023)
-€6,336▲ €50,681
lowest -€58,269 (2024)
-€7,041▲ €51,228
peak €10,851 (2022)
-€61,074▼ €7,041
€103,442▼ 81.3%
Board2 names since 2021
1 director
Documentsfilings and deeds
10-07-202621 days before the deadline
2025micro format
Gross margin from -€57,017 to -€6,336Loss of €7,041Equity from -€54,032 to -€61,074Debts from €553,435 to €103,442Cash from €474,655 to €38,649
Key points
from the 2025 annual accountsLosses
-€81,074 in four years
Every financial year from 2022 to 2025 closed with a loss. 2024 was the heaviest.
Debts
€103,442 244% of the balance sheet
Liquidity
0.40 was 0.90 in 2024
Short-term debts fell from €553,435 to €103,442.
At the same address
10 companies
Position in the sector
-144.1%
Lower solvency than 95% of companies in real estate. Sector median 31.0% · 19,813 companies.
Turnover not published (micro format)
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 6,018 companies had the same profile as Marmor Construct has now. Each dot stands for 16 companies, two years later.
82.8%
were still trading
8.5%
stopped another way
7.8%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
Test of the method
The method was tested on the 497,762 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.
| 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 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
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 6,018 companies, not a prediction for Marmor Construct. 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
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Recent changes
Incorporation
Founding capital of €20,000, 100 shares · Founder: · Appointment: (director) · published on 17-08-2021 · Gazette deed
First establishment
Emile de Becolaan 89, Ixelles
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Marmor Construct Ixelles | €42,368 | -€6,336 | -144.1% | - |
| LAASAL-INVEST Charleroi | €45,812 | -€66 | 100.0% | - |
| MAXIMMO PROJECTS Oudsbergen | €46,852 | -€1,471 | 14.4% | - |
| ISM Canonniers Bureaux Projet Mons | €36,550 | -€344 | 99.1% | - |
| CORBIZ Dessel | €50,823 | -€154,533 | 15.3% | - |
| Tout à Toit Braine-l'Alleud | €49,634 | -€11,920 | -1.0% | - |
| STS FINANCE Tienen | €42,506 | -€2,598 | 30.6% | - |
These companies have the same main activity as Marmor Construct: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €36,600 and €50,800, founded between 2020 and 2022.
Official details
Source: KBO- Status
- Active since 13-08-2021Normal situation
- Registered office
- 11 active companies are registered at this addressSource: KBO register, as of 13 November 2026.
- Activity
- Development of residential building projectsNACE 68121
- Establishment unit
- 2.322.638.6701050 Ixelles, since 13-08-2021
- Financial year end
- 31 December
- Peppol
- Reachable
Annual accounts 2025
- -€6,336▲ 88.9%
- €7,041▼ 87.9%
- -€61,074▼ 13.0%
- €42,368▼ 91.5%
- Filing
- Filed on 10-07-2026, 21 days before the end of the filing period
Insights on Marmor Construct
Marmor Construct files the micro format. That format states no turnover. The gross margin rose from -€6,731 in 2022 to -€6,336 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 10-07-2026, 21 days before the deadline-€6,336
▲ €50,681
-€6,873
▲ €51,249
-€7,041
▲ €51,228
-€61,997
▼ €6,904
-144.1%
▼ 133.3 percentage points
0.40
▼ 0.50
Turnover and EBIT margin are not published. The micro format does not require them.
Balance sheet
balance sheet total €42,368 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
-144.1%
Lower than 95% of 19,813 companies in 2025.
0.40
Higher than 26% of 18,987 companies in 2025.
-16.6%
Higher than 7% of 19,456 companies in 2025.
Marmor Construct
Middle half of the sector
80% of the sector
Micro accounts in real estate (NACE 68)
Net result: middle half · Equity: bottom quarter · 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 | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet: assets | |||||
20/58 |
42,368 | 499,402 | 1.6m | 1.5m | |
21/28 |
923 | 1,060 | 1,198 | 1,335 | |
22/27 |
923 | 1,060 | 1,198 | 1,335 | |
23 |
923 | 1,060 | 1,198 | 1,335 | |
29/58 |
41,445 | 498,342 | 1.6m | 1.5m | |
3 |
- | - | 1.6m | 1.5m | |
30/36 |
- | - | 1.6m | 1.5m | |
40/41 |
2,796 | 23,687 | 2,420 | 214 | |
40 |
- | 2,223 | 35 | 146 | |
41 |
2,796 | 21,464 | 2,385 | 69 | |
54/58 |
38,649 | 474,655 | 72 | 14,899 | |
| Balance sheet: equity and liabilities | |||||
10/49 |
42,368 | 499,402 | 1.6m | 1.5m | |
10/15 |
-61,074 | -54,032 | 4,237 | 10,851 | |
10/11 |
20,000 | 20,000 | 20,000 | 20,000 | |
14 |
-81,074 | -74,032 | -15,763 | -9,149 | |
17/49 |
103,442 | 553,435 | 1.6m | 1.5m | |
42/48 |
103,442 | 553,435 | 1.6m | 1.5m | |
44 |
877 | - | 42,657 | - | |
440/4 |
877 | - | 42,657 | - | |
47/48 |
102,565 | 553,435 | 1.5m | 1.5m | |
| Income statement | |||||
9900 |
-6,336 | -57,017 | -5,972 | -6,731 | |
630 |
137 | 137 | 137 | 1,311 | |
640/8 |
400 | 968 | 384 | 721 | |
9901 |
-6,873 | -58,122 | -6,494 | -8,763 | |
75/76B |
- | - | - | 10 | |
75 |
- | - | - | 10 | |
65/66B |
168 | 147 | 120 | 395 | |
65 |
168 | 147 | 120 | 395 | |
9903 |
-7,041 | -58,269 | -6,614 | -9,149 | |
9904 |
-7,041 | -58,269 | -6,614 | -9,149 | |
9905 |
-7,041 | -58,269 | -6,614 | -9,149 | |
| Appropriation of the result | |||||
9906 |
-81,074 | -74,032 | -15,763 | -9,149 | |
14P |
-74,032 | -15,763 | -9,149 | - | |
| Document | |||||
The notes to these accounts have 6 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 10-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| -6,736 | -57,985 | -6,357 | -7,452 | ||
| -6,904 | -58,132 | -6,477 | -7,837 | ||
| 0 | 0 | 0 | 2,647 | ||
| -436,005 | 474,582 | -14,826 | - | ||
| -61,997 | -55,093 | 3,039 | 9,516 | ||
| -144.1% | -10.8% | 0.3% | 0.7% | ||
| 0.40 | 0.90 | 1.00 | 1.01 | ||
| 0.40 | 0.90 | 0.00 | 0.01 | ||
| - | - | -156.1% | -84.3% | ||
| -16.6% | -11.7% | -0.4% | -0.6% | ||
| -40.11 | -394.24 | -52.97 | -18.85 |
Debt to equity is not shown because equity is negative. Debt divided by negative equity means nothing.
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| Item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Tangible fixed assets | - | - | - | €1,375 |
| Intangible fixed assets | - | - | - | €1,272 |
| €137 | €137 | €137 | €1,311 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Insights on Marmor Construct
The operating result for 2025 is a loss of €6,873, smaller than the loss of €58,122 in 2024.
Equity is negative. Debt (€103,442) exceeds the balance-sheet total (€42,368).
Board & ownership
Board
1 director, since incorporation- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- The board, acting as a bodydeed of 17-08-2021
Mandates through the years
2 names, the dashed line is todayDirector
Director
BoardEarlierend not dated
Mandates as a list
-
- Director, from 13-08-2021 to date
-
- Director, appointed by deed of 17-08-2021, no longer listed in the 2025 annual accounts
Control
Founder
This company
Marmor Construct
Equity -€61,074
Loss €7,041 in 2025
Capital
- Contribution
- €20,000
- Shares
- 100
- Contribution per share
- €200
- Equity per share
- -€611 in 2025
- Source
- deed of 17-08-2021
Articles of association
deed of 17-08-2021 (in French)- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Friday of June at 19:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one.
- No statutory auditor
Shareholders
At incorporation
deed of 17-08-2021 ↗
- 100 shares (100%) · in cash
Network & group
No group
Marmor Construct has no parent and no holdings in its annual accounts. is the only director. Marmor Construct shares no director with another company.
At the same address
Emile de Becolaan 89, 1050 Ixelles · 10 other companies| JUSTOBE
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total assets €2.4m (2025) 0734.952.172 |
| OTHEMIS
establishment since 01-03-2025 · founded in 2019 |
total assets €486,258 (2025) 0718.994.286 |
| FLS Europe
establishment since 09-05-2022 · founded in 2022 |
total assets €82,905 (2025) 0785.854.804 |
| A&R Group
registered office since 07-04-2023 · founded in 2023 |
total assets €37,150 (2025) 0800.581.481 |
| GLOBAL VOYAGE AGENCY BELGIUM
establishment since 23-01-2025 |
founded in 2025 1019.112.682 |
| GARAGE DE L'ETE
establishment since 19-01-1998 |
founded in 1983 0424.007.091 |
| Cauwert, Patrick (sole trader)
establishment since 03-03-1995 |
founded in 1983 0557.553.030 |
| Jeux d'Hiver
registered office since 15-10-1988 |
founded in 1988 0436.282.739 |
| Fagnart, Daniel (sole trader)
establishment since 08-09-1986 |
founded in 1978 0758.021.049 |
| Ville Neuve
registered office since 01-11-1983 |
founded in 1983 0428.407.230 |
Timeline
Timeline
7 events since 2021Filings
Financial
Establishments
202220242026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 21 days before the deadline
2025
Annual accounts 2024 filed PDFmicro format · 3 days before the deadline
2024
Weakest financial year net -€58,269 The net result drops to -€58,269, the lowest from 2022 to 2025. It recovers the following year.
Annual accounts 2023 filed PDFmicro format · 50 days before the deadline
2023
Annual accounts 2022 filed PDFmicro format · 18 days before the deadline
2021
IncorporationFounding capital of €20,000, 100 shares · Founder: · Appointment: (director) · published on 17-08-20215 points ▸
- Founder,
- Founding capital, €20,000, 100 shares
- 100 shares
- Registered office clause, avenue Emile de Beco 89, 1050 Ixelles
- Director appointment,
- The deed holds 6 more points.
First establishment Emile de Becolaan 89, Ixelles
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
Company details
Identity
- Enterprise number
- 0772.543.335
- VAT number
- BE 0772.543.335
- Peppol ID
- 0208:0772543335
- Other Peppol ID
- 9925:BE0772543335
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 13-08-2021
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Friday of June at 19:00deed of 17-08-2021 (in French)
- Peppol
- Reachable via PeppolFollow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Marmor Construct in French
- Entity type
- Legal entity
Activities
NACEBEL 202568121
Development of residential building projects main activity
Codes under NACEBEL 2008
41101
Real estate development main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “1. La promotion immobilière et le développement de projets immobiliers, en ce compris la commercialisation de ces projets; 2. L’achat, la…”deed of 17-08-2021 (in French)
12 activities
- 1. La promotion immobilière et le développement de projets immobiliers, en ce compris la commercialisation de ces projets ;
- 2. L’achat, la vente, la cession et l’échange de tous instruments financiers et de tous droits mobiliers et immobiliers ;
- 3. La prise de participations sous quelque forme que ce soit, dans toutes sociétés, entreprises, associations, établissements, existants ou à créer.
- La société peut, grâce à ses moyens propres ou par le recours à des emprunts, acquérir tous biens immeubles bâtis ou non bâtis et tous droits réels immobiliers, ainsi que gérer, exploiter et valoriser lesdits biens ou droits réels immobiliers, notamment par l’achat, la vente, l’échange, la location, la sous-location, la mise à disposition, la concession de droits réels, la destruction, la construction, la reconstruction, la transformation, la rénovation, l’amélioration, la préservation, l’entretien et la conservation.
- Elle peut financer l’acquisition de tous droits réels relatifs à des immeubles ou parties divises ou indivises d’immeubles via l’émission de certificats immobiliers relatifs aux dits immeubles et la création de sûretés (en ce compris des hypothèques) dans le cadre de ce financement.
- Elle peut consentir tous prêts ou garanties à toutes personnes et à toutes sociétés liées ou avec lesquelles il existe un lien de participation ou toutes autres, sous quelque forme et pour quelque durée que ce soit.
- La société peut pourvoir à l’administration, à la supervision et au contrôle de toutes sociétés liées ou avec lesquelles il existe un lien de participation et toutes autres sociétés ou associations, ou être nommée liquidateur de celles-ci.
- Elle peut accomplir d'une manière générale toutes opérations ayant un rapport direct ou indirect avec son objet et pouvant en faciliter directement ou indirectement, entièrement ou partiellement, la réalisation.
- Elle peut s'intéresser par voie d'association, d'apport, de fusion, d'intervention financière ou autrement dans toutes sociétés, associations ou entreprises dont l'objet est analogue ou connexe au sien ou susceptible de favoriser le développement de son entreprise ou de constituer pour elle une source de débouchés.
- Promotion et participations immobilières
- Titres et financement
- Administration et opérations générales
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Emile de Becolaan 89 registered office 1050 Ixelles | 13-08-2021 | 2.322.638.670 |
Buildings and parcels at the address
- Ground area
- 108 m²
- Buildings
- 122 m²
- Volume, LiDAR
- 1,550 m³
- Tallest building
- 17.2 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21443C0237/00F003 | 108 m² | 1 · 122 m² | 17.1 m · 5 |
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 0772.543.335