MAT-IMMO
ActiveMAT-IMMO has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €92k and a net result of €56k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 27% of 36373 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2024
63
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability88▲+3
Solvency50▲+15
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.42 against 0.71 in 2023; short-term debt: 47.2% and cash: 5.1% of total assets), and 74.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
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 30-09-2025, 61 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
61 d late
2023
28 d late
2022
32 d early
2021
31 d early
2020
31 d late
2019
120 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€92k▲ 160%
2023 · €35k
2018: €55k
2019: €61k
2020: €25k
2021: €-4k
2022: €-11k
2023: €35k
2018 → 2024
Total assets
€363k▲ 2.5%
2023 · €354k
2018: €347k
2019: €335k
2020: €364k
2021: €316k
2022: €329k
2023: €354k
2018 → 2024
Net result
€56k▲ 21.2%
2023 · €47k
2018: €3k
2019: €5k
2020: €-36k
2021: €-29k
2022: €-7k
2023: €47k
2018 → 2024
Working capital
€-99k▼ 288%
2023 · €-26k
2018: €-46k
2019: €-46k
2020: €-90k
2021: €-129k
2022: €-145k
2023: €-26k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€25k-€-4k€-11k▼ 174%€35k€92k▲ 160%
Operating result€-21k-€-8k▲ 62.8%€2k€57k▲ 2,299%€73k▲ 29.1%
Net result€-36k-€-29k▲ 18.6%€-7k▲ 75.2%€47k€56k▲ 21.2%
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 29% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €363k
Fixed assets
€291k▲ 0.3%
Current assets
€72k▲ 12.4%
Equity and liabilities €363k
Equity
€92k▲ 160%
Debt
€271k▼ 14.9%
The debt ratio falls from 90.1% to 74.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€98k▲
2023 · €76k
Cash flow
€81k▲
2023 · €65k
Solvency
25.2%▲
2023 · 9.9%
Current ratio
0.42▼
2023 · 0.71
Quick ratio
0.42▼
2023 · 0.71
Debt / equity
2.96▼
2023 · 9.06
ROE
61.6%▼
2023 · 132.3%
ROA
15.5%▲
2023 · 13.1%
Interest coverage
10.66▲
2023 · 7.41
Debt
€271k▼
2023 · €319k
Debt ≤ 1 year
€171k▲
2023 · €90k
Debt > 1 year
€100k▼
2023 · €229k
Income taxes
€8k
Staff costs
€139k▲
2023 · €80k
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€354k€363k▲
Fixed assets21/28€290k€291k▲
Tangible fixed assets22/27€290k€291k▲
Land and buildings22€271k€256k▼
Plant, machinery and equipment23€3k€14k▲
Furniture and vehicles24€15k€21k▲
Current assets29/58€64k€72k▲
Amounts receivable within one year40/41€53k€53k▼
Trade receivables40€36k€40k▲
Other amounts receivable41€17k€13k▼
Cash at bank and in hand54/58€10k€19k▲
Deferred charges and accrued income490/1€561€496▼
Equity and liabilities
Total equity and liabilities10/49€354k€363k▲
Equity10/15€35k€92k▲
Contributions10/11€158k€158k=
Reserves13€8k€8k=
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Distributable reserves133€4k€4k=
Profit (loss) carried forward14€-131k€-75k▲
Amounts payable17/49€319k€271k▼
Amounts payable after more than one year17€229k€100k▼
Financial debts170/4€128k€100k▼
Other amounts payable178/9€100k-
Amounts payable within one year42/48€90k€171k▲
Current portion of amounts payable after more than one year42€33k€29k▼
Trade debts44€29k€37k▲
Suppliers440/4€29k€37k▲
Taxes, remuneration and social security45€17k€35k▲
Taxes450/3€5k€13k▲
Remuneration and social security454/9€13k€22k▲
Other amounts payable47/48€10k€71k▲
Accrued charges and deferred income492/3-€46
Income statement
Code20232024
Remuneration, social security and pensions62€80k€139k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€25k▲
Other operating charges640/8€1k€19k▲
Gross operating margin9900€157k€256k▲
Operating profit (loss)9901€57k€73k▲
Financial income75/76B€31€21▼
Recurring financial income75€31€21▼
Financial charges65/66B€10k€9k▼
Recurring financial charges65€10k€9k▼
Profit (loss) for the period before taxes9903€47k€64k▲
Income taxes67/77-€8k
Profit (loss) for the period9904€47k€56k▲
Profit (loss) for the period to be appropriated9905€47k€56k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-131k€-75k▲
Profit (loss) brought forward from the previous period14P€-178k€-131k▲
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
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Highest result since 2018net €56k ▲21.2%
Operating result €73k, net result €56k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Back to profitnet €47k
Net result €47k after 3 loss-making years.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-36k ▼777%
Net result drops to €-36k, the lowest in the series; recovery starts the following year.
28-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 120 days late
2019
08-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 69 days late
2018
09-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 70 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
2016
30-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 61 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, Charleroi · 1 establishment unit since 2015
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 Eugène Mascaux 1226001 CharleroiGround area
1,746 m²
Building footprint
78 m²
Volume, LiDAR
889 m³
Parcel 52393B0108/00R003, Wallonia · tallest building 13.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
MAT-IMMO
since 20152.249.029.132
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52393B0108/00R003 | Wallonia | 1,746 m² | 1 · 78 m² | 13.7 m · 4 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 8,563 companies in sector 43410 we hold annual accounts for 4,355. 3,802 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-04-2015
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
43990Other specialised construction activities
43995Specialised construction activities
43350Other building finishing work
43421Specialised construction activities
43992Specialised construction activities
43994Specialised construction activities
43999Specialised construction activities
68110Buying and selling of own real estate
81220Other building cleaning and industrial cleaning
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.