MAROT
ActiveMAROT has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €37k and a net result of €31k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 19% of 19907 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
88
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability97▲+19
Solvency53▲+4
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.19 against 1.08 in 2023; short-term debt: 37.2% and cash: 41.1% of total assets), and 72.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
27.7%
Return on assets
22.8%
Age of the figures
21 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 19907 sector peers (2024).
NBB · sector comparisonPosition among 19907 sector peers
Solvency
better than 19%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €37k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-06-2025, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
51 d early
2023
84 d late
2022
53 d late
2021
61 d late
2020
31 d late
2019
117 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€37k▲ 28.9%
2023 · €29k
2018: €59k
2019: €34k
2020: €20k
2021: €20k
2022: €20k
2023: €29k
2018 → 2024
Total assets
€135k▲ 12.3%
2023 · €120k
2018: €163k
2019: €180k
2020: €178k
2021: €147k
2022: €145k
2023: €120k
2018 → 2024
Net result
€31k▲ 260%
2023 · €9k
2018: €16k
2019: €14k
2020: €-15k
2021: €1k
2022: €8k
2023: €9k
2018 → 2024
Working capital
€9k▲ 229%
2023 · €3k
2018: €14k
2019: €-21k
2020: €-31k
2021: €-29k
2022: €-20k
2023: €3k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€20k-€20k▲ 3.0%€20k=€29k▲ 41.9%€37k▲ 28.9%
Operating result€-12k-€4k€12k▲ 188%€12k▲ 1.7%€44k▲ 268%
Net result€-15k-€1k€8k▲ 419%€9k▲ 10.3%€31k▲ 260%
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; 2024 is 268% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €135k
Fixed assets
€75k▼ 4.8%
Current assets
€60k▲ 45.5%
Equity and liabilities €135k
Equity
€37k▲ 28.9%
Debt
€98k▲ 7.0%
The debt ratio falls from 75.9% to 72.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€47k▲
2023 · €18k
Cash flow
€35k▲
2023 · €15k
Solvency
27.7%▲
2023 · 24.1%
Current ratio
1.19▲
2023 · 1.08
Quick ratio
1.19▲
2023 · 1.08
Debt / equity
2.61▼
2023 · 3.14
ROE
82.5%▲
2023 · 29.5%
ROA
22.8%▲
2023 · 7.1%
Interest coverage
36.40▲
2023 · 12.73
Debt
€98k▲
2023 · €91k
Debt ≤ 1 year
€50k▲
2023 · €38k
Debt > 1 year
€47k▼
2023 · €53k
Income taxes
€11k▲
2023 · €3k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€120k€135k▲
Fixed assets21/28€79k€75k▼
Tangible fixed assets22/27€79k€75k▼
Land and buildings22€79k€75k▼
Financial fixed assets28€325€325=
Current assets29/58€41k€60k▲
Amounts receivable within one year40/41€29k€4k▼
Trade receivables40€3k€4k▲
Other amounts receivable41€26k-
Cash at bank and in hand54/58€12k€56k▲
Deferred charges and accrued income490/1€155€365▲
Equity and liabilities
Total equity and liabilities10/49€120k€135k▲
Equity10/15€29k€37k▲
Contributions10/11€19k€19k=
Reserves13€10k€19k▲
Distributable reserves133€10k€19k▲
Amounts payable17/49€91k€98k▲
Amounts payable after more than one year17€53k€47k▼
Financial debts170/4€53k€47k▼
Other amounts payable178/9€160-
Amounts payable within one year42/48€38k€50k▲
Current portion of amounts payable after more than one year42€5k€5k▲
Trade debts44€6k€648▼
Suppliers440/4€6k€648▼
Taxes, remuneration and social security45€6k€8k▲
Taxes450/3€5k€7k▲
Remuneration and social security454/9€825€456▼
Other amounts payable47/48€21k€36k▲
Income statement
Code20232024
Non-recurring operating income76A€2k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€4k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€20k€49k▲
Operating profit (loss)9901€12k€44k▲
Financial income75/76B€1k€0▼
Recurring financial income75€1k€0▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€12k€42k▲
Income taxes67/77€3k€11k▲
Profit (loss) for the period9904€9k€31k▲
Profit (loss) for the period to be appropriated9905€9k€31k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€31k▲
Transfer from equity791/2-€10k
Transfer to equity691/2€9k€19k▲
To other reserves6921€9k€19k▲
Profit to be distributed694/7-€22k
Return on contributions (dividend)694-€22k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €31k ▲260%
Operating result €44k, net result €31k, both a record.
23-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 84 days late
2023
22-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 53 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-15k ▼204%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
25-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 117 days late
2019
11-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 72 days late
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 16 days late
2016
27-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Mons · 1 establishment unit since 2014
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.
Rue du Parc 177000 MonsGround area
549 m²
Building footprint
144 m²
Volume, LiDAR
2,857 m³
Parcel 53403F0326/00E000, Wallonia · tallest building 22.9 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Anne Marot
since 20142.231.791.539
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53403F0326/00E000 | Wallonia | 549 m² | 1 · 144 m² | 22.9 m · 7 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 5,524 companies in sector 86931 we hold annual accounts for 550. 439 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-06-2014
Fiscal year end31-12
Activities, NACEBEL
86904Human health activities
86931Psychology services
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:anne.marot.psychologue@gmail.com