MarmoT
ActiveSummary
MarmoT has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €309,739 and a net result of €103,257. Equity is growing by ~18.2% per year across the filed fiscal years. Its solvency ranks better than 55% of 32023 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability94▼-4
Solvency86▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 2.58 against 31.84 in 2024; short-term debt: 38.6% and cash: 17.6% of total assets), and 38.6% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
61.4%
Return on assets
20.5%
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 14-07-2026, 17 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
17 d early
2024
13 d early
2023
14 d early
2022
14 d early
2021
16 d early
2020
9 d early
2019
1 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 12 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
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. Usually files around 17 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Financials · fiscal year 2025, micro schema
Equity
€309,739▲ 16.2%
2024 · €266,482
Total assets
€504,311▲ 10.7%
2024 · €455,752
Net result
€103,257▼ 1.5%
2024 · €104,856
Working capital
€307,435▼ 30.1%
2024 · €440,046
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€45,465▼ 59.0%€114,511▲ 152%€140,668▲ 22.8%€144,901▲ 3.0%€143,025▼ 1.3%
Net result€36,163within the sector's middle half▼ 58.9%€81,521above the sector's middle half▲ 125%€101,145above the sector's middle half▲ 24.1%€104,856above the sector's middle half▲ 3.7%€103,257above the sector's middle half▼ 1.5%
Equity€214,254within the sector's middle half▲ 20.3%€295,774above the sector's middle half▲ 38.0%€161,626within the sector's middle half▼ 45.4%€266,482above the sector's middle half▲ 64.9%€309,739above the sector's middle half▲ 16.2%
Total assets€366,773within the sector's middle half▲ 71.4%€480,093within the sector's middle half▲ 30.9%€591,222above the sector's middle half▲ 23.1%€455,752within the sector's middle half▼ 22.9%€504,311above the sector's middle half▲ 10.7%
Debt€152,519▲ 324%€184,319▲ 20.8%€429,596▲ 133%€189,270▼ 55.9%€194,572▲ 2.8%
Working capital€364,254above the sector's middle half▲ 105%€470,774above the sector's middle half▲ 29.2%€336,626above the sector's middle half▼ 28.5%€440,046above the sector's middle half▲ 30.7%€307,435above the sector's middle half▼ 30.1%
Solvency58.4%within the sector's middle half▼ 24.8pp61.6%within the sector's middle half▲ 3.2pp27.3%within the sector's middle half▼ 34.3pp58.5%within the sector's middle half▲ 31.1pp61.4%within the sector's middle half▲ 2.9pp
Current ratio51.52above the sector's middle half2.32within the sector's middle half▼ 49.2031.84above the sector's middle half▲ 29.522.58within the sector's middle half▼ 29.26
Return on assets (ROA)9.9%within the sector's middle half▼ 31.2pp17.0%within the sector's middle half▲ 7.1pp17.1%within the sector's middle half▲ 0.1pp23.0%within the sector's middle half▲ 5.9pp20.5%within the sector's middle half▼ 2.5pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €504,311
Fixed assets
€2,303 ▲ 60.4%
Current assets
€502,008 ▲ 10.5%
Equity and liabilities €504,311
Equity
€309,739 ▲ 16.2%
Debt
€194,572 ▲ 2.8%
Debt's share of the balance-sheet total falls from 41.5% to 38.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€143,809▼
2024 · €145,064
Cash flow
€104,041▼
2024 · €105,020
Debt to equity
0.63▼
2024 · 0.71
ROE
33.3%▼
2024 · 39.3%
Interest coverage
25.55▼
2024 · 26.58
Debt ≤ 1 year
€194,572▲
2024 · €14,270
Income taxes
€34,824▼
2024 · €35,273
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,781 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 97% are still going.
- Small
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
2.7%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,781 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | €164 | €784 | ▲ 379% |
| Other operating charges640/8 | €166 | €102 | €212 | €221 | €223 | ▲ 0.9% |
| Gross operating margin9900 | €45,631 | €114,613 | €140,880 | €145,285 | €144,032 | ▼ 0.9% |
| Operating profit (loss)9901 | €45,465 | €114,511 | €140,668 | €144,901 | €143,025 | ▼ 1.3% |
| Financial income75/76B | - | - | €230 | €685 | €684 | ▼ 0.2% |
| Recurring financial income75 | - | - | €230 | €685 | €684 | ▼ 0.2% |
| Financial charges65/66B | €77 | €5,476 | €5,701 | €5,457 | €5,628 | ▲ 3.1% |
| Recurring financial charges65 | €77 | €5,476 | €5,701 | €5,457 | €5,628 | ▲ 3.1% |
| Profit (loss) for the period before taxes9903 | €45,388 | €109,035 | €135,198 | €140,129 | €138,081 | ▼ 1.5% |
| Income taxes67/77 | €9,225 | €27,515 | €34,053 | €35,273 | €34,824 | ▼ 1.3% |
| Profit (loss) for the period9904 | €36,163 | €81,521 | €101,145 | €104,856 | €103,257 | ▼ 1.5% |
| Profit (loss) for the period to be appropriated9905 | €36,163 | €81,521 | €101,145 | €104,856 | €103,257 | ▼ 1.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €366,773 | €480,093 | €591,222 | €455,752 | €504,311 | ▲ 10.7% |
| Fixed assets21/28 | - | - | - | €1,436 | €2,303 | ▲ 60.4% |
| Tangible fixed assets22/27 | - | - | - | €1,436 | €2,303 | ▲ 60.4% |
| Furniture and vehicles24 | - | - | - | €1,436 | €2,303 | ▲ 60.4% |
| Current assets29/58 | €366,773 | €480,093 | €591,222 | €454,316 | €502,008 | ▲ 10.5% |
| Amounts receivable within one year40/41 | €14,605 | €20,808 | €34,037 | €37,562 | €32,813 | ▼ 12.6% |
| Trade receivables40 | €14,605 | €16,819 | €34,037 | €37,562 | €32,813 | ▼ 12.6% |
| Other amounts receivable41 | - | €3,989 | - | - | - | - |
| Current investments50/53 | - | €398,375 | €387,053 | €368,154 | €377,202 | ▲ 2.5% |
| Cash at bank and in hand54/58 | €350,168 | €58,773 | €168,000 | €46,359 | €88,965 | ▲ 91.9% |
| Deferred charges and accrued income490/1 | €2,000 | €2,137 | €2,132 | €2,240 | €3,027 | ▲ 35.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €366,773 | €480,093 | €591,222 | €455,752 | €504,311 | ▲ 10.7% |
| Equity10/15 | €214,254 | €295,774 | €161,626 | €266,482 | €309,739 | ▲ 16.2% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €195,654 | €277,174 | €143,026 | €247,882 | €204,021 | ▼ 17.7% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | - | - |
| Distributable reserves133 | €193,794 | €275,314 | €141,166 | €246,022 | €204,021 | ▼ 17.1% |
| Profit (loss) carried forward14 | - | - | - | - | €87,118 | - |
| Amounts payable17/49 | €152,519 | €184,319 | €429,596 | €189,270 | €194,572 | ▲ 2.8% |
| Amounts payable after more than one year17 | €150,000 | €175,000 | €175,000 | €175,000 | - | - |
| Other amounts payable178/9 | €150,000 | €175,000 | €175,000 | €175,000 | - | - |
| Amounts payable within one year42/48 | €2,519 | €9,319 | €254,596 | €14,270 | €194,572 | ▲ 1,264% |
| Trade debts44 | - | - | €437 | €566 | - | - |
| Suppliers440/4 | - | - | €437 | €566 | - | - |
| Taxes, remuneration and social security45 | €2,359 | €9,152 | €53,947 | €13,604 | €18,767 | ▲ 37.9% |
| Taxes450/3 | €2,359 | €9,152 | €53,947 | €13,604 | €18,767 | ▲ 37.9% |
| Other amounts payable47/48 | €160 | €167 | €200,212 | €100 | €175,806 | ▲ 175,583% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €36,163 | €81,521 | €101,145 | €104,856 | €103,257 | ▼ 1.5% |
| + Depreciation and write-downs630 | - | - | - | €164 | €784 | ▲ 379% |
| Operating cash flow (approximation) | €36,163 | €81,521 | €101,145 | €105,020 | €104,041 | ▼ 0.9% |
| Investment in fixed assets (approximation) | - | - | - | - | -€1,652 | - |
| Change in cash | - | -€291,395 | €109,227 | -€121,641 | €42,606 | ▲ 135% |
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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €104,856 ▲3.7%
Operating result €144,901, net result €104,856, both a record.
31-12
Financial
Liquidity times 14current ratio 31.84
Current ratio from 2.32 to 31.84; short-term debt falls from €254,596 to €14,270.
31-12
Financial
Equity above €200,000Eq €266,482 ▲64.9%
7 profitable years in a row build equity to €266,482.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity times 24current ratio 145.60
Current ratio from 5.95 to 145.60; short-term debt falls from €35,954 to €2,519.
31-12
Financial
Equity above €200,000Eq €214,254 ▲20.3%
4 profitable years in a row build equity to €214,254.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150,000Eq €178,091 ▲97.6%
3 profitable years in a row build equity to €178,091.
Show earlier events
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €35,015 ▼4.2%
Net result drops to €35,015, the lowest in the series; recovery starts the following year.
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Bornem · 1 establishment unit since 2017
Ground area
776 m²
Building footprint
219 m²
Volume, LiDAR
780 m³
Parcel 12362F0016/00T000, Flanders · tallest building 7.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
MarmoT
since 20172.264.031.369
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12362F0016/00T000 | Flanders | 776 m² | 1 · 219 m² | 7.5 m · 1 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.
Recognitions · licences · registrations
Legal Entity Identifier
98450050683F1B9F1D37
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Of 82,641 companies in sector 70200 we hold annual accounts for 52,636. 37,983 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded26-04-2017
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
47120Other non-specialised retail sale
82990Other business support services
93299Other amusement and recreation activities
95100Repair and maintenance of computers and communication equipment
E-invoicing
Reachable via Peppol
Peppol ID
0208:0674855526
Also
9925:BE0674855526
Registered
04-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.