MAROS
ActiveMAROS has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €134k and a net result of €78k. Equity is shrinking by ~5.5% per year across the filed fiscal years. Its solvency ranks better than 42% of 7723 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability99▲+19
Solvency66▲+24
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity tight (current ratio 1.08 against 0.46 in 2024; short-term debt: 23.2% and cash: 9.7% of total assets), and 58.8% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
41.2%
Return on assets
24.1%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €134k
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
9 d early
2023
18 d late
2022
6 d late
2021
28 d late
2020
24 d late
2019
19 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€134k▲ 141%
2024 · €56k
2018: €76k
2019: €65k
2020: €57k
2021: €30k
2022: €25k
2023: €26k
2024: €56k
2018 → 2025
Total assets
€326k▼ 0.9%
2024 · €328k
2018: €119k
2019: €74k
2020: €64k
2021: €375k
2022: €337k
2023: €302k
2024: €328k
2018 → 2025
Net result
€78k▲ 165%
2024 · €30k
2018: €-12k
2019: €-11k
2020: €-8k
2021: €-27k
2022: €-4k
2023: €921
2024: €30k
2018 → 2025
Working capital
€6k
2024 · €-71k
2018: €76k
2019: €65k
2020: €57k
2021: €-77k
2022: €-83k
2023: €-99k
2024: €-71k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€30k-€25k▼ 14.7%€26k▲ 3.7%€56k▲ 113%€134k▲ 141%
Operating result€-23k-€-2k▲ 92.9%€3k€35k▲ 927%€116k▲ 235%
Net result€-27k-€-4k▲ 84.1%€921€30k▲ 3,110%€78k▲ 165%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 235% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €326k
Fixed assets
€244k▼ 8.9%
Current assets
€82k▲ 34.7%
Equity and liabilities €326k
Equity
€134k▲ 141%
Debt
€192k▼ 29.8%
The debt ratio falls from 83.1% to 58.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€140k▲
2024 · €58k
Cash flow
€102k▲
2024 · €53k
Solvency
41.2%▲
2024 · 16.9%
Current ratio
1.08▲
2024 · 0.46
Quick ratio
1.08▲
2024 · 0.46
Debt / equity
1.43▼
2024 · 4.90
ROE
58.5%▲
2024 · 53.1%
ROA
24.1%▲
2024 · 9.0%
Interest coverage
71.17▲
2024 · 27.44
Debt
€192k▼
2024 · €273k
Debt ≤ 1 year
€75k▼
2024 · €132k
Debt > 1 year
€116k▼
2024 · €141k
Income taxes
€35k▲
2024 · €3k
Staff costs
€29k▼
2024 · €44k
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€328k€326k▼
Fixed assets21/28€268k€244k▼
Tangible fixed assets22/27€268k€244k▼
Other tangible fixed assets26€268k€244k▼
Current assets29/58€61k€82k▲
Amounts receivable within one year40/41€53k€48k▼
Trade receivables40€53k€48k▼
Current investments50/53€135€135=
Cash at bank and in hand54/58€4k€32k▲
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€328k€326k▼
Equity10/15€56k€134k▲
Contributions10/11€20k€20k=
Reserves13€36k€114k▲
Distributable reserves133€36k€114k▲
Amounts payable17/49€273k€192k▼
Amounts payable after more than one year17€141k€116k▼
Financial debts170/4€141k€116k▼
Amounts payable within one year42/48€132k€75k▼
Current portion of amounts payable after more than one year42€25k€31k▲
Trade debts44€15k€1k▼
Suppliers440/4€15k€1k▼
Taxes, remuneration and social security45€14k€37k▲
Taxes450/3€5k€37k▲
Remuneration and social security454/9€9k-
Other amounts payable47/48€78k€6k▼
Income statement
Code20242025
Remuneration, social security and pensions62€44k€29k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€24k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€105k€171k▲
Operating profit (loss)9901€35k€116k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€32k€114k▲
Income taxes67/77€3k€35k▲
Profit (loss) for the period9904€30k€78k▲
Profit (loss) for the period to be appropriated9905€30k€78k▲
Appropriation of the result
Profit (loss) to be appropriated9906€26k€78k▲
Profit (loss) brought forward from the previous period14P€-3k-
Transfer to equity691/2€26k€78k▲
To other reserves6921€26k€78k▲
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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €78k ▲165%
Operating result €116k, net result €78k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.08
Current ratio from 0.46 to 1.08; short-term debt falls from €132k to €75k.
31-12
Financial
Equity above €100kEq €134k ▲141%
3 profitable years in a row build equity to €134k.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 18 days late
2023
31-12
Financial
Back to profitnet €921
Net result €921 after 5 loss-making years.
06-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 6 days late
2022
28-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 28 days late
2021
31-12
Financial
Weakest financial yearnet €-27k
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 19 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 7.68
Current ratio from 2.74 to 7.68; short-term debt falls from €44k to €10k.
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Oostende · 1 establishment unit since 1999
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.
Diksmuidestraat 48400 OostendeGround area
185 m²
Building footprint
166 m²
Volume, LiDAR
4,314 m³
Parcel 35385B0072/00G005, Flanders · tallest building 28.2 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
Diksmuidestraat 4, 8400 Oostende
since 19992.091.689.390
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35385B0072/00G005 | Flanders | 185 m² | 1 · 166 m² | 28.2 m · 9 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 11,221 companies in sector 82100 we hold annual accounts for 3,511. 2,584 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-04-1999
Fiscal year end31-12
Activities, NACEBEL
74855
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.