Materné Daan 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 €14k and a net result of €8k. Equity is shrinking by ~4.7% per year across the filed fiscal years. Its solvency ranks better than 59% of 7994 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Four 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 €14k
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
7 d late
2023
27 d late
2022
56 d early
2021
58 d early
2020
25 d late
2019
63 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€14k▲ 146%
2024 · €6k
2018: €6k
2019: €11k
2020: €10k
2021: €8k
2022: €8k
2023: €3k
2024: €6k
2018 → 2025
Net result
€8k▲ 195%
2024 · €3k
2018: €475
2019: €5k
2020: €-821
2021: €-2k
2022: €179
2023: €-6k
2024: €3k
2018 → 2025
Total assets
€22k▼ 49.6%
2024 · €44k
2018: €38k
2019: €37k
2020: €35k
2021: €21k
2022: €20k
2023: €20k
2024: €44k
2018 → 2025
Solvency
61.8%▲ 49.1pp
2024 · 12.6%
2018: 16.2%
2019: 30.2%
2020: 29.7%
2021: 38.1%
2022: 41.1%
2023: 14.2%
2024: 12.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€8k-€8k▲ 2.2%€3k▼ 66.3%€6k▲ 98.3%€14k▲ 146%
Operating result€-2k-€2k€-2k€6k€14k▲ 133%
Net result€-2k-€179€-6k€3k€8k▲ 195%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 133% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €22k
Fixed assets
€5k▼ 16.4%
Current assets
€17k▼ 55.1%
Equity and liabilities €22k
Equity
€14k▲ 146%
Debt
€8k▼ 77.9%
The debt ratio falls from 87.4% to 38.2%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
61.8%▲
2024 · 12.6%
ROE
59.4%▲
2024 · 49.6%
ROA
36.7%▲
2024 · 6.3%
Debt
€8k▼
2024 · €38k
Debt ≤ 1 year
€8k▼
2024 · €38k
Income taxes
€6k▲
2024 · €3k
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€44k€22k▼
Fixed assets21/28€6k€5k▼
Tangible fixed assets22/27€5k€4k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€1k€1k▼
Financial fixed assets28€900€900=
Current assets29/58€38k€17k▼
Amounts receivable within one year40/41€32k€15k▼
Trade receivables40€32k€11k▼
Other amounts receivable41€33€3k▲
Cash at bank and in hand54/58€5k€697▼
Deferred charges and accrued income490/1€511€2k▲
Equity and liabilities
Total equity and liabilities10/49€44k€22k▼
Equity10/15€6k€14k▲
Contributions10/11€6k€6k=
Reserves13€496€8k▲
Distributable reserves133€496€8k▲
Profit (loss) carried forward14€-1k€0▲
Amounts payable17/49€38k€8k▼
Amounts payable within one year42/48€38k€8k▼
Trade debts44€34k€3k▼
Suppliers440/4€34k€3k▼
Taxes, remuneration and social security45€5k€5k▲
Taxes450/3€5k€4k▼
Remuneration and social security454/9€0€2k▲
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€9k€17k▲
Operating profit (loss)9901€6k€14k▲
Financial income75/76B€21€0▼
Recurring financial income75€21€0▼
Financial charges65/66B€201€286▲
Recurring financial charges65€201€286▲
Profit (loss) for the period before taxes9903€6k€14k▲
Income taxes67/77€3k€6k▲
Profit (loss) for the period9904€3k€8k▲
Profit (loss) for the period to be appropriated9905€3k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€7k▲
Profit (loss) brought forward from the previous period14P€-4k€-1k▲
Transfer to equity691/2-€7k
To other reserves6921-€7k
The notes to these accounts (13 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €8k ▲195%
Operating result €14k, net result €8k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.00
Current ratio from 0.98 to 2.00; short-term debt falls from €38k to €8k.
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Weakest financial yearnet €-6k ▼3197%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €179
Net result €179 after 2 loss-making years.
03-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
02-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 63 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Schoten · 1 establishment unit since 2013
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.
Kromvendreef 672900 SchotenGround area
2,010 m²
Building footprint
328 m²
Volume, LiDAR
1,724 m³
2 parcels, Flanders · tallest building 18.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Materné Daan
since 20132.220.413.637
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11040D0204/00F004 | Flanders | 1,831 m² | 1 · 244 m² | 18.1 m · 1 fl. |
| 11342A0237/00R004 | Flanders | 178 m² | 1 · 84 m² | 9.7 m · 3 fl. |
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.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 6,077 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-07-2013
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.