Matbouw
ActiveThe computed 12-month bankruptcy probability of Matbouw is 2.8% (moderate). The annual accounts of Matbouw for fiscal year 2025 show a net loss of 89% of the equity at the start of that year. The 2025 annual accounts show equity of €4k and a net result of €-31k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 7415 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
24
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-67
Solvency30▼-18
Growth32▼-46
Track record94
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.04 against 1.36 in 2024; short-term debt: 93.4% and cash: 12.7% of total assets), and 95.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
4.5%
Return on assets
-36.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 7415 sector peers (2025).
NBB · sector comparisonPosition among 7415 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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 · 4 filingsDeviation from the deadline
2025
17 d late
2024
11 d late
2023
327 d late
2022
31 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€4k▼ 89.1%
2024 · €35k
2022: €6k
2023: €24k
2024: €35k
2022 → 2025
Total assets
€84k▼ 44.4%
2024 · €152k
2022: €27k
2023: €87k
2024: €152k
2022 → 2025
Net result
€-31k
2024 · €11k
2022: €3k
2023: €18k
2024: €11k
2022 → 2025
Working capital
€3k▼ 91.1%
2024 · €39k
2022: €-2k
2023: €18k
2024: €39k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€6k-€24k▲ 283%€35k▲ 46.6%€4k▼ 89.1%
Operating result€5k-€24k▲ 407%€17k▼ 26.3%€-29k
Net result€3k-€18k▲ 447%€11k▼ 37.0%€-31k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €29k after €17k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €84k
Fixed assets
€2k▼ 55.1%
Current assets
€82k▼ 44.1%
Equity and liabilities €84k
Equity
€4k▼ 89.1%
Debt
€81k▼ 31.1%
The debt ratio rises from 77.0% to 95.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-26k▼
2024 · €20k
Cash flow
€-28k▼
2024 · €13k
Solvency
4.5%▼
2024 · 23.0%
Current ratio
1.04▼
2024 · 1.36
Quick ratio
0.81▼
2024 · 1.32
Debt / equity
21.14▲
2024 · 3.35
ROE
-815.1%▼
2024 · 31.8%
ROA
-36.8%▼
2024 · 7.3%
Interest coverage
-7.69▼
2024 · 4.73
Debt
€81k▼
2024 · €117k
Debt ≤ 1 year
€79k▼
2024 · €108k
Debt > 1 year
€2k▼
2024 · €9k
Staff costs
€43k▼
2024 · €49k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€152k€84k▼
Fixed assets21/28€5k€2k▼
Tangible fixed assets22/27€5k€2k▼
Plant, machinery and equipment23€3k€1k▼
Furniture and vehicles24€1k€783▼
Current assets29/58€147k€82k▼
Stocks and contracts in progress3€4k€19k▲
Stocks30/36€4k€2k▼
Contracts in progress37-€17k
Amounts receivable within one year40/41€128k€53k▼
Trade receivables40€118k€33k▼
Other amounts receivable41€10k€20k▲
Cash at bank and in hand54/58€14k€11k▼
Deferred charges and accrued income490/1€856-
Equity and liabilities
Total equity and liabilities10/49€152k€84k▼
Equity10/15€35k€4k▼
Contributions10/11€3k€3k=
Reserves13€32k€816▼
Distributable reserves133€32k€816▼
Amounts payable17/49€117k€81k▼
Amounts payable after more than one year17€9k€2k▼
Financial debts170/4€9k€2k▼
Amounts payable within one year42/48€108k€79k▼
Current portion of amounts payable after more than one year42€7k€7k▲
Trade debts44€81k€50k▼
Suppliers440/4€81k€50k▼
Taxes, remuneration and social security45€21k€22k▲
Taxes450/3€11k€15k▲
Remuneration and social security454/9€10k€8k▼
Accrued charges and deferred income492/3€81-
Income statement
Code20242025
Remuneration, social security and pensions62€49k€43k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€962€2k▲
Non-recurring operating charges66A€403-
Gross operating margin9900€70k€19k▼
Operating profit (loss)9901€17k€-29k▼
Financial income75/76B€1k€1k▼
Recurring financial income75€1k€1k▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€14k€-31k▼
Income taxes67/77€3k-
Profit (loss) for the period9904€11k€-31k▼
Profit (loss) for the period to be appropriated9905€11k€-31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€-31k▼
Transfer from equity791/2-€31k
Transfer to equity691/2€11k-
To other reserves6921€11k-
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
Next filing, fiscal year 2026, expected by
2026
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
31-12
Financial
Weakest financial yearnet €-31k ▼380%
Net result drops to €-31k, the lowest in the series.
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 11 days late
23-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 327 days late
2023
31-12
Financial
Highest result since 2022net €18k ▲447%
Operating result €24k, net result €18k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Alken · 1 establishment unit since 2022
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.
Kapelstraat 33570 AlkenGround area
544 m²
Building footprint
168 m²
Volume, LiDAR
747 m³
Parcel 73001B0184/00P000, Flanders · tallest building 5.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Matbouw
since 20222.330.888.818
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73001B0184/00P000 | Flanders | 544 m² | 1 · 168 m² | 5.9 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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Of 29,801 companies in sector 41001 we hold annual accounts for 16,041. 5,426 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-04-2022
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43310Plastering work
43320Joinery installation
43331Floor and wall tiling
43341Painting of buildings
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.
Contact details
2 entriesE-mail:info@matbouw.be
Phone:0456233164