Summary
MAT Unity 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 €3.2m and a net result of €1,146. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 95% of 2473 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €3.2m
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-05-2026, 74 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
74 d early
2024
29 d late
2023
14 d early
2022
4 d early
2021
88 d early
2020
4 d late
2019
26 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 17 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · 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. Usually files around 18 July (4 of the last 5 filed years within 61 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check Which other companies belong to the same group?MOORE BELGIUM GROUP, AFGEKORT : MBG · 33 companies What changed in the latest annual accounts?What changed
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Financials · fiscal year 2025, full schema
In the rankings
#8 company by equity in Walcourt
Equity
€3.2m=
2024 · €3.2m
Net result
€1,146▼ 99.6%
2024 · €297,433
Total assets
€3.2m=
2024 · €3.2m
Solvency
100.0%=
2024 · 100.0%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€941▲ 67.4%-€1,373▼ 45.9%-€1,074▲ 21.7%-€2,463▼ 129%€1,642
Net result€819,397within the sector's middle half▼ 71.2%€398,537within the sector's middle half▼ 51.4%€493,836within the sector's middle half▲ 23.9%€297,433within the sector's middle half▼ 39.8%€1,146within the sector's middle half▼ 99.6%
Equity€2.9mwithin the sector's middle half=€2.9mwithin the sector's middle half▼ 0.1%€2.9mwithin the sector's middle half▲ 0.1%€3.2mwithin the sector's middle half▲ 10.4%€3.2mwithin the sector's middle half=
Total assets€3.7mwithin the sector's middle half▲ 28.7%€3.3mwithin the sector's middle half▼ 11.4%€3.6mwithin the sector's middle half▲ 12.1%€3.2mwithin the sector's middle half▼ 13.5%€3.2mwithin the sector's middle half=
Debt€820,002€400,780▼ 51.1%€790,960▲ 97.4%€0▼ 100%€417
Working capital€5,026within the sector's middle half▼ 10.7%€3,564within the sector's middle half▼ 29.1%€7,399within the sector's middle half▲ 108%€304,832within the sector's middle half▲ 4,020%€305,979within the sector's middle half▲ 0.4%
Solvency77.7%within the sector's middle half▼ 22.3pp87.7%above the sector's middle half▲ 10.0pp78.3%within the sector's middle half▼ 9.4pp100.0%above the sector's middle half▲ 21.7pp100.0%above the sector's middle half=
Current ratio1.01within the sector's middle half1.01within the sector's middle half=1.01within the sector's middle half=
Return on assets (ROA)22.3%above the sector's middle half▼ 77.5pp12.2%above the sector's middle half▼ 10.1pp13.5%above the sector's middle half▲ 1.3pp9.4%above the sector's middle half▼ 4.1pp0.0%within the sector's middle half▼ 9.4pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €1,642 after a loss of €2,463 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.2m
Fixed assets
€2.8m =
Current assets
€306,396 ▲ 0.5%
Equity and liabilities €3.2m
Equity
€3.2m
Debt
€417
Debt finances 0.0% of the balance-sheet total.
Key figures and ratios
ROE
0.0%▼
2024 · 9.4%
Debt ≤ 1 year
€417▲
2024 · €0
Income taxes
€417
A ratio outside any meaningful range has been withheld (balance sheet total €3.2m, equity €3.2m).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Gross operating margin9900 | -€941 | -€1,373 | -€1,074 | -€2,463 | €1,642 | ▲ 167% |
| Operating profit (loss)9901 | -€941 | -€1,373 | -€1,074 | -€2,463 | €1,642 | ▲ 167% |
| Financial income75/76B | €820,412 | €400,000 | €495,000 | €300,000 | €295 | ▼ 99.9% |
| Recurring financial income75 | €820,412 | €400,000 | €495,000 | €300,000 | €295 | ▼ 99.9% |
| Financial charges65/66B | €74 | €90 | €90 | €104 | €374 | ▲ 258% |
| Recurring financial charges65 | €74 | €90 | €90 | €104 | €374 | ▲ 258% |
| Profit (loss) for the period before taxes9903 | €819,397 | €398,537 | €493,836 | €297,433 | €1,564 | ▼ 99.5% |
| Income taxes67/77 | - | - | - | - | €417 | - |
| Profit (loss) for the period9904 | €819,397 | €398,537 | €493,836 | €297,433 | €1,146 | ▼ 99.6% |
| Profit (loss) for the period to be appropriated9905 | €819,397 | €398,537 | €493,836 | €297,433 | €1,146 | ▼ 99.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.7m | €3.3m | €3.6m | €3.2m | €3.2m | = |
| Fixed assets21/28 | €2.8m | €2.8m | €2.8m | €2.8m | €2.8m | = |
| Financial fixed assets28 | €2.8m | €2.8m | €2.8m | €2.8m | €2.8m | = |
| Current assets29/58 | €825,028 | €404,344 | €798,360 | €304,832 | €306,396 | ▲ 0.5% |
| Amounts receivable within one year40/41 | €820,412 | €400,010 | €795,014 | €300,000 | €306,396 | ▲ 2.1% |
| Trade receivables40 | - | - | - | - | €5,000 | - |
| Other amounts receivable41 | €820,412 | €400,010 | €795,014 | €300,000 | €301,396 | ▲ 0.5% |
| Cash at bank and in hand54/58 | €4,616 | €4,334 | €3,345 | €4,832 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.7m | €3.3m | €3.6m | €3.2m | €3.2m | = |
| Equity10/15 | €2.9m | €2.9m | €2.9m | €3.2m | €3.2m | = |
| Contributions10/11 | €8,200 | €8,200 | €8,200 | €8,200 | €8,200 | = |
| Profit (loss) carried forward14 | €2.8m | €2.8m | €2.8m | €3.1m | €3.1m | = |
| Amounts payable17/49 | €820,002 | €400,780 | €790,960 | €0 | €417 | - |
| Amounts payable within one year42/48 | €820,002 | €400,780 | €790,960 | €0 | €417 | - |
| Trade debts44 | - | €778 | €960 | €0 | - | - |
| Suppliers440/4 | - | €778 | €960 | €0 | - | - |
| Taxes, remuneration and social security45 | - | - | - | - | €417 | - |
| Taxes450/3 | - | - | - | - | €417 | - |
| Other amounts payable47/48 | €820,002 | €400,002 | €790,000 | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €819,397 | €398,537 | €493,836 | €297,433 | €1,146 | ▼ 99.6% |
| Operating cash flow (approximation) | €819,397 | €398,537 | €493,836 | €297,433 | €1,146 | ▼ 99.6% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€282 | -€989 | €1,487 | -€4,832 | ▼ 425% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
04-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 4 days late
2020
31-12
Financial
Highest result since 2018net €2.8m ▲44,543%
Net result €2.8m, the highest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 26 days late
2019
31-12
Financial
Back to profitnet €6,381
Net result €6,381 after one loss-making year.
31-12
Financial
Liquidity times 74current ratio 2.86
Current ratio from 0.04 to 2.86.
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 11 acts read
About the unread acts
We know of 11 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 11 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Walcourt · 1 establishment unit since 2017
Ground area
1,804 m²
Building footprint
218 m²
Parcel 93024B0031/05_000, Wallonia. Linked by address, not a title deed.
1 establishment unit
MAT Unity
since 20172.261.180.856
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93024B0031/05_000 | Wallonia | 1,804 m² | 1 · 218 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Part of the group
MOORE BELGIUM GROUP, AFGEKORT : MBG
33 companies
Group, risk and exposure
Owners and holdings
1 owner · 1 holding · 2 subsidiaries in the treeChain of control
- MOORE BELGIUM GROUP, AFGEKORT : MBG
- Moore Belgium
- Moore Finance & Tax
- Moore Services Financiers
- MAT & Cie
- MAT Unity
Highest known parent: MOORE BELGIUM GROUP, AFGEKORT : MBG. The sources do not say who stands above it.
Owners 1
- MAT & Cieparent100%
Holdings 1
- MANAGEMENT ACCOUNT TAX PARTNERSsubsidiaryEquity €1.4mResult €920,767100%
All subsidiaries, including indirect ones 2
Companies in which this company or one of its subsidiaries holds more than half, or which it consolidates according to the LEI register.
MANAGEMENT ACCOUNT TAX PARTNERS 100%1 subsidiary
- MAT + 100%
According to the 2025 annual accounts of MAT Unity and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,721 companies in this sector we hold annual accounts for 19,804. 9,571 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded07-12-2016
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0667524504
Also
9925:BE0667524504
Registered
15-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.