MATEO
ActiveMATEO has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €98k and a net result of €22k. Its solvency ranks better than 52% of 27676 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▼-6
Solvency74▼-17
Growth32
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.6 against 2.32 in 2024; short-term debt: 50.7% and cash: 18.9% of total assets), but 50.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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 →
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
49.3%
Return on assets
11.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-09-2026, 32 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 · 2 filingsDeviation from the deadline
2025
32 d late
2024
50 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€98k▼ 15.3%
2024 · €116k
2024: €116k
2024 → 2025
Total assets
€200k▲ 13.3%
2024 · €176k
2024: €176k
2024 → 2025
Net result
€22k▼ 23.7%
2024 · €29k
2024: €29k
2024 → 2025
Working capital
€61k▼ 23.7%
2024 · €79k
2024: €79k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€116k-€98k▼ 15.3%
Operating result€41k-€31k▼ 24.7%
Net result€29k-€22k▼ 23.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 25% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €200k
Fixed assets
€38k▲ 2.9%
Current assets
€162k▲ 16.0%
Equity and liabilities €200k
Equity
€98k▼ 15.3%
Debt
€101k▲ 68.4%
The debt ratio rises from 34.1% to 50.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€49k▼
2024 · €60k
Cash flow
€41k▼
2024 · €49k
Solvency
49.3%▼
2024 · 65.9%
Current ratio
1.60▼
2024 · 2.32
Quick ratio
1.60▼
2024 · 2.32
Debt / equity
1.03▲
2024 · 0.52
ROE
22.6%▼
2024 · 25.1%
ROA
11.1%▼
2024 · 16.5%
Interest coverage
74.20▲
2024 · 69.44
Debt
€101k▲
2024 · €60k
Debt ≤ 1 year
€101k▲
2024 · €60k
Income taxes
€8k▼
2024 · €10k
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€176k€200k▲
Fixed assets21/28€37k€38k▲
Tangible fixed assets22/27€37k€37k▲
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€32k€34k▲
Financial fixed assets28-€400
Current assets29/58€140k€162k▲
Amounts receivable within one year40/41€100k€124k▲
Trade receivables40€92k€118k▲
Other amounts receivable41€8k€7k▼
Cash at bank and in hand54/58€37k€38k▲
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€176k€200k▲
Equity10/15€116k€98k▼
Contributions10/11€2k€2k=
Reserves13€200€200=
Distributable reserves133€200€200=
Profit (loss) carried forward14€114k€96k▼
Amounts payable17/49€60k€101k▲
Amounts payable within one year42/48€60k€101k▲
Current portion of amounts payable after more than one year42€7k-
Trade debts44€10k€11k▲
Suppliers440/4€10k€11k▲
Taxes, remuneration and social security45€10k€15k▲
Taxes450/3€8k€15k▲
Remuneration and social security454/9€3k-
Other amounts payable47/48€32k€76k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€18k▼
Other operating charges640/8€5k€6k▲
Gross operating margin9900€65k€55k▼
Operating profit (loss)9901€41k€31k▼
Financial income75/76B€1€8▲
Recurring financial income75€1€8▲
Financial charges65/66B€871€659▼
Recurring financial charges65€871€659▼
Profit (loss) for the period before taxes9903€40k€30k▼
Income taxes67/77€10k€8k▼
Profit (loss) for the period9904€29k€22k▼
Profit (loss) for the period to be appropriated9905€29k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€114k€136k▲
Profit (loss) brought forward from the previous period14P€85k€114k▲
Profit to be distributed694/7-€40k
Return on contributions (dividend)694-€40k
The notes to these accounts (9 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
01-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 32 days late
2025
19-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 50 days late
NBB filing
Directors · office · real estate
Directors
3 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, Vorselaar · 1 establishment unit since 2017
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.
Riemenstraat 462290 VorselaarGround area
913 m²
Building footprint
156 m²
Volume, LiDAR
617 m³
Parcel 13044G0313/00S003, Flanders · tallest building 7.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Mateo
since 20172.272.939.434
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13044G0313/00S003 | Flanders | 913 m² | 1 · 155 m² | 7.9 m · 1 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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VERVIHOUT
BE 1009.859.575
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Entreprise générale de toiture mosane
BE 0834.219.992
Huy · Eq €99k
Dakwerken Vangramberen
BE 0795.735.144
Leuven · Eq €98k
TSIOLLE
BE 0834.805.259
Middelkerke · Eq €99k
Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 3,807 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2017
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.