MARY D.
ActiveMARY D. has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €173k and a net result of €97k. Equity is growing by ~95.8% per year across the filed fiscal years. Its solvency ranks better than 68% of 2090 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
77
/ 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
Profitability100▲+2
Solvency75▲+13
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 3.21 against 3.63 in 2023; short-term debt: 27.5% and cash: 16.6% of total assets), but 50.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 10
Relative position
BE, all sectors
reference
Sector 10
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-10-2025, 75 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.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
75 d late
2023
30 d late
2022
30 d late
2021
30 d late
2020
90 d late
2019
56 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€173k▲ 37.0%
2023 · €126k
2018: €-37k
2019: €-41k
2020: €-44k
2021: €22k
2022: €98k
2023: €126k
2018 → 2024
Total assets
€348k▲ 3.0%
2023 · €337k
2018: €61k
2019: €91k
2020: €86k
2021: €156k
2022: €246k
2023: €337k
2018 → 2024
Net result
€97k▲ 23.4%
2023 · €78k
2018: €-89k
2019: €-5k
2020: €-2k
2021: €66k
2022: €76k
2023: €78k
2018 → 2024
Working capital
€211k▼ 13.2%
2023 · €243k
2018: €-39k
2019: €76k
2020: €74k
2021: €140k
2022: €214k
2023: €243k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-44k-€22k€98k▲ 341%€126k▲ 29.1%€173k▲ 37.0%
Operating result€-6k-€63k€90k▲ 41.5%€84k▼ 6.8%€111k▲ 32.6%
Net result€-2k-€66k€76k▲ 14.7%€78k▲ 3.7%€97k▲ 23.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 33% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €348k
Fixed assets
€41k▲ 2,586%
Current assets
€307k▼ 8.7%
Equity and liabilities €348k
Equity
€173k▲ 37.0%
Debt
€175k▼ 17.3%
The debt ratio falls from 62.6% to 50.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€112k▲
2023 · €84k
Cash flow
€97k▲
2023 · €79k
Solvency
49.7%▲
2023 · 37.4%
Current ratio
3.21▼
2023 · 3.63
Quick ratio
3.21▼
2023 · 3.63
Debt / equity
1.01▼
2023 · 1.68
ROE
56.0%▼
2023 · 62.2%
ROA
27.8%▲
2023 · 23.2%
Interest coverage
48.47▼
2023 · 166.28
Debt
€175k▼
2023 · €211k
Debt ≤ 1 year
€96k▲
2023 · €93k
Debt > 1 year
€79k▼
2023 · €119k
Income taxes
€22k▲
2023 · €12k
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€337k€348k▲
Fixed assets21/28€2k€41k▲
Tangible fixed assets22/27€980€361▼
Furniture and vehicles24€980€361▼
Financial fixed assets28€542€41k▲
Current assets29/58€336k€307k▼
Amounts receivable within one year40/41€185k€228k▲
Trade receivables40€18k€42k▲
Other amounts receivable41€168k€186k▲
Cash at bank and in hand54/58€122k€58k▼
Deferred charges and accrued income490/1€29k€21k▼
Equity and liabilities
Total equity and liabilities10/49€337k€348k▲
Equity10/15€126k€173k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€64k€111k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€58k€105k▲
Amounts payable17/49€211k€175k▼
Amounts payable after more than one year17€119k€79k▼
Other amounts payable178/9€119k€79k▼
Amounts payable within one year42/48€93k€96k▲
Trade debts44€4k€20k▲
Suppliers440/4€4k€20k▲
Taxes, remuneration and social security45€39k€25k▼
Taxes450/3€39k€25k▼
Other amounts payable47/48€50k€50k=
Income statement
Code20232024
Non-recurring operating income76A€14k€42k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€619€619=
Other operating charges640/8€384€6k▲
Gross operating margin9900€85k€118k▲
Operating profit (loss)9901€84k€111k▲
Financial income75/76B€7k€10k▲
Recurring financial income75€7k€10k▲
Financial charges65/66B€507€2k▲
Recurring financial charges65€507€2k▲
Profit (loss) for the period before taxes9903€90k€119k▲
Income taxes67/77€12k€22k▲
Profit (loss) for the period9904€78k€97k▲
Profit (loss) for the period to be appropriated9905€78k€97k▲
Appropriation of the result
Profit (loss) to be appropriated9906€78k€97k▲
Transfer to equity691/2€28k€47k▲
To other reserves6921€28k€47k▲
Profit to be distributed694/7€50k€50k=
Directors or managers695€50k€50k=
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
14-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 75 days late
2024
31-12
Financial
Highest result since 2018net €97k ▲23.4%
Operating result €111k, net result €97k, both a record.
31-12
Financial
Equity above €150kEq €173k ▲37%
4 profitable years in a row build equity to €173k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Equity above €100kEq €126k ▲29.1%
3 profitable years in a row build equity to €126k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Back to profitnet €66k
Net result €66k after 3 loss-making years.
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
25-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 56 days late
2019
31-12
Financial
Liquidity times 11current ratio 6.72
Current ratio from 0.60 to 6.72; short-term debt falls from €98k to €13k.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 61 days late
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 91 days late
2016
14-10
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 75 days late
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, Namur · 1 establishment unit since 2001
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.
Avenue Vauban 245000 NamurGround area
1,159 m²
Building footprint
133 m²
Volume, LiDAR
721 m³
Parcel 92302G0435/00G016, Wallonia · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MARY D.
since 20012.057.766.908
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92302G0435/00G016 | Wallonia | 1,159 m² | 1 · 133 m² | 7.3 m · 2 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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DUNGKAR
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RAYDOX
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Of 446 companies in sector 10850 we hold annual accounts for 173. 106 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded06-05-1992
Fiscal year end31-12
Activities, NACEBEL
10850Manufacture of food products
46389Wholesale of other food products
47512Retail sale of household textiles and bedding
52410
56210Event catering
70200Business and other management consultancy
70220Business consulting
82300Organisation of conventions and trade shows
82990Other business support services
93299Other amusement and recreation activities
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.