Summary
MATLEASE 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 €645,402 and a net result of €22,693. Equity remains stable across the filed fiscal years (±2.5% per year). Its solvency ranks better than 77% of 5585 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
31 d early
2023
37 d early
2022
31 d early
2021
28 d early
2020
43 d early
2019
101 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 14 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 30 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€645,402▲ 3.6%
2024 · €622,709
Net result
€22,693▲ 114%
2024 · €10,609
Total assets
€797,169▲ 10.4%
2024 · €722,195
Solvency
81.0%▼ 5.3pp
2024 · 86.2%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€396,849▲ 13.4%€239,170▼ 39.7%€277,477▲ 16.0%€5,000▼ 98.2%
Operating result€30,103▲ 42.7%€5,926▼ 80.3%€11,443▲ 93.1%€1,192▼ 89.6%€18,860▲ 1,482%
Net result€23,486within the sector's middle half▼ 26.3%€5,572within the sector's middle half▼ 76.3%€16,315within the sector's middle half▲ 193%€10,609within the sector's middle half▼ 35.0%€22,693within the sector's middle half▲ 114%
Equity€590,213within the sector's middle half▲ 4.1%€595,785within the sector's middle half▲ 0.9%€612,100within the sector's middle half▲ 2.7%€622,709within the sector's middle half▲ 1.7%€645,402within the sector's middle half▲ 3.6%
Total assets€806,167below the sector's middle half▲ 4.3%€669,627below the sector's middle half▼ 16.9%€1.0mbelow the sector's middle half▲ 52.3%€722,195below the sector's middle half▼ 29.2%€797,169within the sector's middle half▲ 10.4%
Debt€215,954▲ 4.8%€73,842▼ 65.8%€407,511▲ 452%€99,486▼ 75.6%€151,767▲ 52.6%
Working capital€590,213within the sector's middle half▲ 4.7%€595,785within the sector's middle half▲ 0.9%€612,100within the sector's middle half▲ 2.7%€622,709within the sector's middle half▲ 1.7%€645,402above the sector's middle half▲ 3.6%
Solvency73.2%within the sector's middle half▼ 0.1pp89.0%above the sector's middle half▲ 15.8pp60.0%within the sector's middle half▼ 28.9pp86.2%above the sector's middle half▲ 26.2pp81.0%above the sector's middle half▼ 5.3pp
Current ratio3.73above the sector's middle half=9.07above the sector's middle half▲ 5.342.50within the sector's middle half▼ 6.577.26above the sector's middle half▲ 4.765.25above the sector's middle half▼ 2.01
Return on assets (ROA)2.9%within the sector's middle half▼ 1.2pp0.8%within the sector's middle half▼ 2.1pp1.6%within the sector's middle half▲ 0.8pp1.5%within the sector's middle half▼ 0.1pp2.8%within the sector's middle half▲ 1.4pp
Staff (FTE)4within the sector's middle half▼ 13.0%2.7within the sector's middle half▼ 32.5%2.8within the sector's middle half▲ 3.7%2.8within the sector's middle half=2.9above the sector's middle half▲ 3.6%
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,482% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €797,169
Equity
€645,402 ▲ 3.6%
Debt
€151,767 ▲ 52.6%
Debt's share of the balance-sheet total rises from 13.8% to 19.0%. Equity and debt are higher.
Key figures and ratios
ROE
3.5%▲
2024 · 1.7%
Debt ≤ 1 year
€151,767▲
2024 · €99,486
Income taxes
€9,143▲
2024 · €5,060
Staff costs
€274,882▲
2024 · €244,624
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €396,849 | €239,170 | €277,477 | €5,000 | - | - |
| Non-recurring operating income76A | €14,354 | - | - | €878 | - | - |
| Goods, raw materials, services and sundry goods60/61 | €14,040 | €13,271 | €11,631 | €11,981 | €12,729 | ▲ 6.2% |
| Remuneration, social security and pensions62 | €337,952 | €212,635 | €248,735 | €244,624 | €274,882 | ▲ 12.4% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €30,009 | - | - | €70,779 | €83,596 | ▲ 18.1% |
| Other operating charges640/8 | €1,073 | €6,053 | €5,669 | €4,942 | €4,632 | ▼ 6.3% |
| Non-recurring operating charges66A | €43 | €2,292 | - | €16,041 | - | - |
| Gross operating margin9900 | €399,180 | €226,906 | €265,847 | €337,578 | €381,970 | ▲ 13.2% |
| Operating profit (loss)9901 | €30,103 | €5,926 | €11,443 | €1,192 | €18,860 | ▲ 1,482% |
| Financial income75/76B | €5,249 | €6,428 | €16,757 | €40,940 | €21,022 | ▼ 48.7% |
| Recurring financial income75 | €5,249 | €6,428 | €16,757 | €40,940 | €21,022 | ▼ 48.7% |
| Financial charges65/66B | €1,293 | €3,512 | €4,793 | €26,463 | €8,046 | ▼ 69.6% |
| Recurring financial charges65 | €1,293 | €3,512 | €4,793 | €26,463 | €8,046 | ▼ 69.6% |
| Profit (loss) for the period before taxes9903 | €34,059 | €8,842 | €23,407 | €15,669 | €31,836 | ▲ 103% |
| Income taxes67/77 | €10,573 | €3,270 | €7,092 | €5,060 | €9,143 | ▲ 80.7% |
| Profit (loss) for the period9904 | €23,486 | €5,572 | €16,315 | €10,609 | €22,693 | ▲ 114% |
| Profit (loss) for the period to be appropriated9905 | €23,486 | €5,572 | €16,315 | €10,609 | €22,693 | ▲ 114% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €806,167 | €669,627 | €1.0m | €722,195 | €797,169 | ▲ 10.4% |
| Fixed assets21/28 | €0 | €0 | - | - | - | - |
| Tangible fixed assets22/27 | €0 | €0 | - | - | - | - |
| Plant, machinery and equipment23 | - | €0 | - | - | - | - |
| Other tangible fixed assets26 | €0 | - | - | - | - | - |
| Current assets29/58 | €806,167 | €669,627 | €1.0m | €722,195 | €797,169 | ▲ 10.4% |
| Amounts receivable after more than one year29 | €71,875 | €38,236 | €371,139 | €278,788 | €190,416 | ▼ 31.7% |
| Trade receivables290 | €71,875 | €38,236 | €371,139 | €278,788 | €190,416 | ▼ 31.7% |
| Amounts receivable within one year40/41 | €249,734 | €464,089 | €595,647 | €326,028 | €234,675 | ▼ 28.0% |
| Trade receivables40 | €101,122 | €58,481 | €198,178 | €183,845 | €224,215 | ▲ 22.0% |
| Other amounts receivable41 | €148,612 | €405,608 | €397,469 | €142,183 | €10,460 | ▼ 92.6% |
| Cash at bank and in hand54/58 | €483,453 | €166,502 | €51,540 | €116,369 | €371,469 | ▲ 219% |
| Deferred charges and accrued income490/1 | €1,105 | €800 | €1,285 | €1,010 | €609 | ▼ 39.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €806,167 | €669,627 | €1.0m | €722,195 | €797,169 | ▲ 10.4% |
| Equity10/15 | €590,213 | €595,785 | €612,100 | €622,709 | €645,402 | ▲ 3.6% |
| Contributions10/11 | €750,000 | €750,000 | €750,000 | €750,000 | €750,000 | = |
| Capital10 | €750,000 | - | - | - | - | - |
| Issued capital100 | €750,000 | - | - | - | - | - |
| Profit (loss) carried forward14 | -€159,787 | -€154,215 | -€137,900 | -€127,291 | -€104,598 | ▲ 17.8% |
| Amounts payable17/49 | €215,954 | €73,842 | €407,511 | €99,486 | €151,767 | ▲ 52.6% |
| Amounts payable within one year42/48 | €215,954 | €73,842 | €407,511 | €99,486 | €151,767 | ▲ 52.6% |
| Trade debts44 | €98,571 | €14,691 | €69,909 | €12,759 | €61,674 | ▲ 383% |
| Suppliers440/4 | €98,571 | €14,691 | €69,909 | €12,759 | €61,674 | ▲ 383% |
| Taxes, remuneration and social security45 | €74,103 | €59,006 | €45,402 | €78,906 | €87,454 | ▲ 10.8% |
| Taxes450/3 | €18,275 | €24,902 | €8,460 | €43,956 | €45,113 | ▲ 2.6% |
| Remuneration and social security454/9 | €55,828 | €34,104 | €36,942 | €34,950 | €42,341 | ▲ 21.1% |
| Other amounts payable47/48 | €43,280 | €145 | €292,200 | €7,821 | €2,639 | ▼ 66.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €23,486 | €5,572 | €16,315 | €10,609 | €22,693 | ▲ 114% |
| Operating cash flow (approximation) | €23,486 | €5,572 | €16,315 | €10,609 | €22,693 | ▲ 114% |
| Investment in fixed assets (approximation) | - | €0 | - | - | - | - |
| Change in cash | - | -€316,951 | -€114,962 | €64,829 | €255,100 | ▲ 293% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Liquidity triplescurrent ratio 7.26
Current ratio from 2.50 to 7.26; short-term debt falls from €407,511 to €99,486.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Liquidity doublescurrent ratio 9.07
Current ratio from 3.73 to 9.07; short-term debt falls from €215,954 to €73,842.
03-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €31,847
Net result €31,847 after 2 loss-making years.
09-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 101 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 31 days late
2018
04-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 65 days late
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 56 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 13 acts read
About the unread acts
We know of 13 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
13 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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2008
Ground area
530 m²
Building footprint
220 m²
Volume, LiDAR
2,551 m³
2 parcels, Brussels · tallest building 16.3 m, ±4 floors. Linked by address, not a title deed.
34
companies at this address
See who is registered here
1 establishment unit
Emile Feronstraat 70, 1060 Sint-Gillis (bij-Brussel)
since 20082.172.150.197
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21562A0354/00D015 | Brussels | 314 m² | 1 · 106 m² | 15.3 m · 4 fl. |
| 21562A0354/00C012 | Brussels | 216 m² | 1 · 114 m² | 16.3 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
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 806 companies in sector 64999 we hold annual accounts for 487. 275 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded03-07-2008
Fiscal year end31-12
Activities, NACEBEL 2025
64999Other financial services
Contact
E-mail
instances@smart.coop
E-invoicing
Reachable via Peppol
Peppol ID
0208:0899004611
Also
9925:BE0899004611
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.