MATERIO
ActiveThe computed 12-month bankruptcy probability of MATERIO is 2.1% (moderate). The 2024 annual accounts show equity of €22k and a net result of €7k. Its solvency ranks better than 51% of 15866 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes
Profitability100
Solvency78
Growth-
Stability67
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.66), but 58.9% 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.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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 46
Relative position
BE, all sectors
reference
Sector 46
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 2024Solvency, return and age of the figures
Solvency
41.1%
Return on assets
13%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 1 filingDeviation from the deadline
2024
29 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€22k
Total assets
€53k
Net result
€7k
Working capital
€21k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €53k
Fixed assets
€1k
Current assets
€52k
Equity and liabilities €53k
Equity
€22k
Debt
€31k
Debt finances 58.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€10k
Cash flow
€8k
Solvency
41.1%
Current ratio
1.66
Quick ratio
0.70
Debt / equity
1.43
ROE
31.7%
ROA
13.0%
Interest coverage
96.30
Debt
€31k
Debt ≤ 1 year
€31k
Income taxes
€2k
Filed annual accounts
As filed with the NBB · 2024
Balance sheet
Code2024
Assets
Total assets20/58€53k
Fixed assets21/28€1k
Tangible fixed assets22/27€1k
Plant, machinery and equipment23€1k
Current assets29/58€52k
Stocks and contracts in progress3€30k
Stocks30/36€30k
Cash at bank and in hand54/58€22k
Equity and liabilities
Total equity and liabilities10/49€53k
Equity10/15€22k
Contributions10/11€15k
Profit (loss) carried forward14€7k
Amounts payable17/49€31k
Amounts payable within one year42/48€31k
Trade debts44€22k
Suppliers440/4€22k
Taxes, remuneration and social security45€10k
Taxes450/3€10k
Income statement
Code2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€804
Gross operating margin9900€10k
Operating profit (loss)9901€9k
Financial charges65/66B€100
Recurring financial charges65€100
Profit (loss) for the period before taxes9903€9k
Income taxes67/77€2k
Profit (loss) for the period9904€7k
Profit (loss) for the period to be appropriated9905€7k
Appropriation of the result
Profit (loss) to be appropriated9906€7k
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
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
NBB filing
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, Le Roeulx · 1 establishment unit since 2024
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.
Rue des Fabriques(VSH) 167070 Le RoeulxGround area
1,821 m²
Building footprint
361 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
MATERIO
since 20242.359.432.453
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55040A0725/00B000 | Wallonia | 1,728 m² | 1 · 315 m² | - |
| 55049B0087/00N002 | Wallonia | 93 m² | 1 · 46 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
VEGA-MAT
BE 0763.993.378
Antwerpen · Eq €22k
Micro-B Belgium
BE 0673.647.083
Peer · Eq €21k
Bâtir-Rénover-Organiser-Conseiller
BE 0429.047.628
Namur · Eq €23k
MATERIAUX JACQUES
BE 0419.067.219
Couvin · Eq €23k
eauzon
BE 0876.639.577
Oostende · Eq €21k
Of 1,794 companies in sector 46831 we hold annual accounts for 1,390. 451 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-04-2024
Fiscal year end31-12
Activities, NACEBEL
46831Wholesale of construction materials, general range
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.