Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of Martine Rorif is 0.5% (low). The 2024 annual accounts show equity of €22k and a net result of €17k. Its solvency ranks better than 35% of 12464 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Filing behaviour
From the deposit records, complete market-wideFiled after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-08-2025, 22 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. 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 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2024 | 31-07-2025 | 22-08-2025 | 22 d late | 2025-00454620 |
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 signalsYoung company
Founded in 2024, under 3 years, statistically higher risk.
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 everyone0.5%
Low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Young company
+Higher-failure-rate region
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€17k
Working capital€22k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 22-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 43.8% | 60.6% | |
| Net result | €17k | €31k | |
| Equity | €22k | €63k | |
| Gross operating margin | €21k | €52k | |
| Total assets | €49k | €124k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | - |
| Net profit | €17k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | €4k |
| Dividends | - |
| Total assets | €49k |
| Equity | €22k |
| Debt | €28k |
| of which ≤ 1y | €28k |
| of which > 1y | - |
| Working capital | €22k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.78 |
| Quick ratio | 1.78 |
| Working capital ratio | 43.8% |
| Solvency | 43.8% |
| Debt / equity | 1.28 |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | 33.7% |
| ROE | 76.8% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €49k |
| Current assets | 29/58 | €49k |
| Amounts receivable within one year | 40/41 | €38k |
| Cash & bank | 54/58 | €11k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €49k |
| Equity | 10/15 | €22k |
| Contributions / capital | 10/11 | €5k |
| Accumulated profits (losses) | 14 | €17k |
| Amounts payable | 17/49 | €28k |
| Amounts payable within one year | 42/48 | €28k |
| Trade debts payable within one year | 44 | €515 |
| Income statement | ||
| Gross operating margin | 9900 | €21k |
| Operating result | 9901 | €21k |
| Financial charges | 65 | €92 |
| Result before taxes | 9903 | €21k |
| Income taxes | 67/77 | €4k |
| Net result for the period | 9904 | €17k |
| Result to be appropriated | 9905 | €17k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed78
/ 100
Excellent
Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Connections & network
4 connected companiesGroup structure
We sit on their board · 1 location
→
We sit on their board · 1 location
→
We sit on their board · 1 location
→
We sit on their board · 9 locations
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Ownership & control
4 partiesMartine RorifBE 1008.634.704
controls
Where this company holds controlthis company sits on their board4
Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.
Locations & real estate
Registered office
from the Crossroads BankCannot 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 Jules Hoslet 191390 Grez-DoiceauEstablishment units
1 locationMartine Rorif
since 20242.359.258.843
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area993 m²
Buildings1
Building footprint109 m²
Volume (LiDAR)929 m³
Tallest building9.9 m · ±3 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.
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25012A0065/00B002 | Wallonia | 993 m² | 1 · 109 m² | 9.9 m · 3 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 Capital history · 2
28-04-2026
Capital increase: method: inbreng in natura, share_type: aandelen zonder aanduiding van nominale waarde, share_premium: 0, shares_created: 7500
28-04-2026
Capital decrease: reason: aanzuivering van geleden boekhoudkundige verliezen, shares_destroyed: 0
All acts · 1
updated 3 months ago
2026
28-04-2026 Act object · Notarial deed · General meeting · Officer resignation
- Filing: 2026-04-24 · MATEXI PROJECTS
- Publication: 2026-04-28 · MATEXI PROJECTS
- Act object: KAPITAAL, AANDELEN, ONTSLAGEN, BENOEMINGEN · MATEXI PROJECTS
- Notarial deed: 2026-04-23 · MATEXI PROJECTS
- General meeting: 2026-04-23 · MATEXI PROJECTS
- Officer resignation: date: 2026-03-31, role: bestuurder · BOOST+
- Officer discharge: role: bestuurder, status: pending · BOOST+
- Board meeting · MATEXI PROJECTS
- Permanent representative: representative: HANNECART Gaëtan · VAUBAN
- Permanent representative: representative: VAN DE MAELE Ivan · DE BLAUWHOEVE
- Permanent representative: representative: DE WINNE Kristoff · DW CONSULTING
- Permanent representative: representative: DELPLANQUE Didier · KALIUS
- Permanent representative: representative: VAN DAMME Frederik · FORTJEN
- Permanent representative: representative: RORIF Martine · MARTINE RORIF
- Permanent representative: representative: NECKEBROECK Rik · RisasoN
- Permanent representative: representative: RESTIAU Kristof · JOINED 4CS
- Auditor report: date: 2026-04-08, representative: DEKETELE Brecht · ERNST en YOUNG BEDRIJFSREVISOREN
- Approval: auditor_report · MATEXI PROJECTS
- Capital increase: method: inbreng in natura, share_type: aandelen zonder aanduiding van nominale waarde, share_premium: 0, shares_created: 7500 · MATEXI PROJECTS
- Capital decrease: reason: aanzuivering van geleden boekhoudkundige verliezen, shares_destroyed: 0 · MATEXI PROJECTS
- Statute amendment: article: 5, new_text: Het kapitaal bedraagt HONDERDENELF MILJOEN EURO (€ 111.000.000,00). Het wordt vertegenwoordigd door negentienduizend vijfhonderd (19.500) aandelen met stemrecht, zonder aanduiding van de nominale waarde, met een fractiewaarde van één één negentienduizendvijfhonderdste (1/19500ste) van het kapitaal. · MATEXI PROJECTS
- Power of attorney: scope: uitvoering beslissingen, bijwerking aandelenregister, opdracht coördinatie statuten, granted_to: bestuursorgaan · MATEXI PROJECTS
Summary:
Act object · Notarial deed · General meeting · Officer resignationNotary:
Hélène DUSSELIER
Analysis
Snowflake analysis
financial profile on 5 axes82
/ 100
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
78
Profitability
100
Solvency
84
Growth
-
Stability
67
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Credit advice
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Company registry
Company registry (CBE)
Crossroads BankActivities
Activiteiten 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 nameFR | Martine Rorif |
Registered office
Rue Jules Hoslet 19
1390 Grez-Doiceau, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.