Matel Consult & Construct
ActiveMatel Consult & Construct has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.11M and a net result of €-11k. Equity is growing by ~8.8% per year across the filed fiscal years. Its solvency ranks better than 30% of 8657 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability38▲+6
Solvency55▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120k at 30 days acceptable
Liquidity short (current ratio 0.33 against 0.3 in 2024; short-term debt: 33.6% and cash: 0.3% of total assets), and 69.9% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
30.1%
Return on assets
-0.2%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-03-2026, 34 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
34 d early
2024
13 d late
2023
189 d late
2022
2 d late
2021
5 d early
2020
on the day
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€2.11M▼ 0.5%
2024 · €2.12M
2018: €1.27M
2019: €1.30M
2020: €1.34M
2021: €1.46M
2022: €1.90M
2023: €2.10M
2024: €2.12M
2018 → 2025
Total assets
€7.03M▲ 3.4%
2024 · €6.80M
2018: €3.85M
2019: €3.96M
2020: €4.13M
2021: €6.50M
2022: €6.82M
2023: €6.85M
2024: €6.80M
2018 → 2025
Net result
€-11k
2024 · €27k
2018: €88k
2019: €41k
2020: €39k
2021: €116k
2022: €446k
2023: €192k
2024: €27k
2018 → 2025
Working capital
€-1.58M▼ 22.2%
2024 · €-1.30M
2018: €-1.10M
2019: €-1.08M
2020: €-1.08M
2021: €-1,000k
2022: €-573k
2023: €-548k
2024: €-1.30M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.46M-€1.90M▲ 30.6%€2.10M▲ 10.1%€2.12M▲ 1.3%€2.11M▼ 0.5%
Operating result€274k-€258k▼ 5.8%€371k▲ 43.6%€165k▼ 55.5%€10k▼ 94.2%
Net result€116k-€446k▲ 285%€192k▼ 57.0%€27k▼ 86.1%€-11k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 94% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.03M
Fixed assets
€6.25M▲ 0.4%
Current assets
€774k▲ 36.2%
Equity and liabilities €7.03M
Equity
€2.11M▼ 0.5%
Provisions
€56k=
Debt
€4.86M▲ 5.2%
The debt ratio rises from 67.9% to 69.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€54k▼
2024 · €212k
Cash flow
€34k▼
2024 · €74k
Solvency
30.1%▼
2024 · 31.2%
Current ratio
0.33▲
2024 · 0.30
Quick ratio
0.33▲
2024 · 0.30
Debt / equity
2.30▲
2024 · 2.18
ROE
-0.5%▼
2024 · 1.3%
ROA
-0.2%▼
2024 · 0.4%
Interest coverage
2.37▲
2024 · 1.59
Debt
€4.86M▲
2024 · €4.62M
Debt ≤ 1 year
€2.36M▲
2024 · €1.86M
Debt > 1 year
€2.50M▼
2024 · €2.65M
Income taxes
€131▼
2024 · €6k
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€6.80M€7.03M▲
Fixed assets21/28€6.23M€6.25M▲
Tangible fixed assets22/27€1.03M€1.06M▲
Land and buildings22€372k€402k▲
Plant, machinery and equipment23€21k€15k▼
Furniture and vehicles24€10k€5k▼
Assets under construction and advance payments27€629k€634k▲
Financial fixed assets28€5.20M€5.20M=
Current assets29/58€568k€774k▲
Amounts receivable within one year40/41€445k€745k▲
Trade receivables40€200k€127k▼
Other amounts receivable41€245k€618k▲
Cash at bank and in hand54/58€117k€20k▼
Deferred charges and accrued income490/1€6k€9k▲
Equity and liabilities
Total equity and liabilities10/49€6.80M€7.03M▲
Equity10/15€2.12M€2.11M▼
Contributions10/11€757k€757k=
Reserves13€1.37M€1.35M▼
Non-distributable reserves130/1€77k€77k=
Reserves not available under the articles1311€77k€77k=
Distributable reserves133€1.29M€1.28M▼
Provisions and deferred taxes16€56k€56k=
Provisions for liabilities and charges160/5€56k€56k=
Pensions and similar obligations160€56k€56k=
Amounts payable17/49€4.62M€4.86M▲
Amounts payable after more than one year17€2.65M€2.50M▼
Financial debts170/4€2.65M€2.50M▼
Amounts payable within one year42/48€1.86M€2.36M▲
Current portion of amounts payable after more than one year42€154k€155k▲
Financial debts43-€64k
Other loans439-€64k
Trade debts44€129k€274k▲
Suppliers440/4€129k€274k▲
Taxes, remuneration and social security45€78k€5k▼
Taxes450/3€78k€3k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48€1.50M€1.86M▲
Accrued charges and deferred income492/3€107k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€47k€44k▼
Other operating charges640/8€16k€19k▲
Gross operating margin9900€228k€73k▼
Operating profit (loss)9901€165k€10k▼
Financial income75/76B€1k€3k▲
Recurring financial income75€1k€3k▲
Financial charges65/66B€133k€23k▼
Recurring financial charges65€133k€23k▼
Profit (loss) for the period before taxes9903€33k€-10k▼
Income taxes67/77€6k€131▼
Profit (loss) for the period9904€27k€-11k▼
Profit (loss) for the period to be appropriated9905€27k€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€-11k▼
Transfer from equity791/2-€11k
Transfer to equity691/2€27k€0▼
To other reserves6921€27k€0▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (24 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
27-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Weakest financial yearnet €-11k ▼140%
Net result drops to €-11k, the lowest in the series.
13-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 13 days late
2024
05-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 189 days late
2023
30-09
Financial
Equity above €2MEq €2.10M ▲10.1%
6 profitable years in a row build equity to €2.10M.
02-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 2 days late
2022
30-09
Financial
Highest result since 2018net €446k ▲285%
Net result €446k, the highest in the series.
25-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
26-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
03-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Gent · 1 establishment unit since 1999
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.
Abeelstraat 24A9000 GentGround area
112 m²
Building footprint
112 m²
Volume, LiDAR
1,195 m³
Parcel 44804D2014/00K004, Flanders · tallest building 16.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
VAN CAUWENBERGHE MATEL
since 19992.183.136.339
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44804D2014/00K004 | Flanders | 112 m² | 1 · 112 m² | 16.4 m · 5 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 82,570 companies in sector 70200 we hold annual accounts for 52,574. 19,527 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded27-08-1999
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.