Age3 yrs
Real estate1 parcel · 993 m²
Summary
Conclusion
the dossier summarised in one paragraphMARROO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €349k and a net result of €128k. Equity is growing by ~55.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 1211 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 3 annual accounts.
Signals
3 signals · with evidenceStrong solvency vs sector
Solvency is in the sector's strongest quartile: better than 95% of 1211 peers (2025). A comfortable equity buffer.
View the sector comparison Consistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
View the equity trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-03-2026, 127 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 3 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | 26-03-2026 | 127 d early | 2026-00064464 |
| 31-12-2024 | 31-07-2025 | 01-07-2025 | 30 d early | 2025-00220064 |
| 31-12-2023 | 31-07-2024 | 25-06-2024 | 36 d early | 2024-00166687 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneThis is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
Financials
Equity€349k+58.0%
Net result€128k+7.7%
Total assets€372k+56.3%
Solvency93.9%+1.0pp
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 26-03-2026 with the NBB · fiscal year 2025 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~55.9%/year over 3 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 64, Financial services · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 93.9% | 47.4% | |
| Net result | €128k | €43k | |
| Equity | €349k | €85k | |
| Gross operating margin | €166k | €70k | |
| Total assets | €372k | €211k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P95
Improving position over 2023-2025
· n=1211-3139
P84
Stable position over 2023-2025
· n=1210-3135
P85
Improving position over 2023-2025
· n=1211-3140
P82
Stable position over 2023-2025
· n=1207-3132
Describes the position versus peers, not a forecast.
€128k
+7.7%
23-25
€372k
+56.3%
23-25
€349k
+58.0%
23-25
€38k
+8.4%
23-25
€0
-100.0%
23-25
€23k
+33.7%
23-25
€23k
+33.5%
23-25
93.9%
+1.1%
23-25
36.7%
-31.8%
23-25
34.5%
-31.1%
23-25
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Deposit | micro |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €128k |
| Cash flow | n/a |
| Staff costs | - |
| Income taxes | €38k |
| Dividends | - |
| Total assets | €372k |
| Equity | €349k |
| Debt | €23k |
| of which ≤ 1y | €23k |
| of which > 1y | - |
| Working capital | n/a |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 93.9% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 34.5% |
| ROE | 36.7% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €372k |
| Fixed assets | 21/28 | €6k |
| Tangible fixed assets | 22/27 | €6k |
| Current assets | 29/58 | €366k |
| Amounts receivable within one year | 40/41 | €77k |
| Investments | 50/53 | €150k |
| Cash & bank | 54/58 | €139k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €372k |
| Equity | 10/15 | €349k |
| Contributions / capital | 10/11 | €5k |
| Reserves | 13 | €344k |
| Amounts payable | 17/49 | €23k |
| Amounts payable within one year | 42/48 | €23k |
| Trade debts payable within one year | 44 | €2k |
| Income statement | ||
| Gross operating margin | 9900 | €166k |
| Operating result | 9901 | €163k |
| Financial income | 75 | €3k |
| Financial charges | 65 | €85 |
| Result before taxes | 9903 | €166k |
| Income taxes | 67/77 | €38k |
| Net result for the period | 9904 | €128k |
| Result to be appropriated | 9905 | €128k |
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2025 · computedModel not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationMARROO
since 20232.341.126.474
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area993 m²
Buildings1
Building footprint193 m²
Volume (LiDAR)1,002 m³
Tallest building7.8 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34354C0411/00L004 | Flanders | 993 m² | 1 · 193 m² | 7.8 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 acts Company purpose
Voor eigen rekening, voor rekening van derden, of in deelneming met derden: 1. Administratie en managementactiviteiten, omvattende onder meer: - adviesbureau op het gebied van bedrijfsvoering en beheer waaronder onder meer maar niet uitsluitend het verlenen van advies en praktische hulp aan bedrijven in verband met public relations en communicatie, het verlenen van adviezen en hulp aan het bedrijfsleven en de overheid op gebied van onder meer planning, organisatie, efficiëntie en toezicht, het verschaffen van informatie aan de bedrijfsleiding, het berekenen van de kosten en baten van de voorge
Per act of 03-02-2023
Capital history · 1
03-02-2023
Founding capital: amount: 5000.0, shares: 50, currency: EUR, price_per_share: 100.0
All acts · 1
updated 3 years ago
2023
03-02-2023 Incorporation · Founder · Founding capital · Share distribution
- Filing: 2023-01-31 · MARROO
- Publication: 2023-02-03 · MARROO
- Incorporation: 2023-01-31 · MARROO
- Founder · MARROO
- Founding capital: amount: 5000.0, shares: 50, currency: EUR, price_per_share: 100.0 · MARROO
- Share distribution: shares: 50 · MARROO
- Bank account · MARROO
- Officer appointment: role: niet-statutair bestuurder, duration: onbepaalde duur, start_date: 2023-01-31 · MARROO
- Mandate compensation: bezoldigd · MARROO
- Auditor waiver · MARROO
- Power of attorney · MARROO
- First fiscal year: end: 2023-12-31, start: 2023-01-31 · MARROO
- Annual meeting schedule: eerste vrijdag van de maand juni · MARROO
- General meeting: 2024-06 · MARROO
- Representation rule: Iedere bestuurder vertegenwoordigt de vennootschap jegens derden · MARROO
- Purpose: Voor eigen rekening, voor rekening van derden, of in deelneming met derden: 1. Administratie en managementactiviteiten, omvattende onder meer: - adviesbureau op het gebied van bedrijfsvoering en beheer waaronder onder meer maar niet uitsluitend het verlenen van advies en praktische hulp aan bedrijven in verband met public relations en communicatie, het verlenen van adviezen en hulp aan het bedrijfsleven en de overheid op gebied van onder meer planning, organisatie, efficiëntie en toezicht, het verschaffen van informatie aan de bedrijfsleiding, het berekenen van de kosten en baten van de voorge
- Act object: OPRICHTING
Summary:
Incorporation · Founder · Founding capital · Share distributionNotary:
Pieterjan Noreillie
Analysis
Snowflake analysis
financial profile on 5 axes93
/ 100
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
Health
-
Profitability
100
Solvency
100
Growth
78
Stability
94
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Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 5,518 of the 24,678 companies in this sector. 3,763 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Holdings64200Activiteiten van holdings64210Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220
Primary activity highlighted.
Names & trade names
| Legal nameNL | MARROO |
Registered office
Wielewaallaan(Kor) 25
8500 Kortrijk, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.