MATO'S
ActiveSummary
MATO'S has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4k and a net result of €-1k. Equity is growing by ~48.8% per year across the filed fiscal years. Its solvency ranks better than 31% of 18400 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability13▼-84
Solvency37▼-4
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.07 against 1.19 in 2024; short-term debt: 87.9% and cash: 16.1% of total assets), and 87.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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 2025Solvency, return and age of the figures
Solvency
12.1%
Return on assets
-4.8%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 29-10-2025, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
on the day
2023
1 d early
2022
3 d early
2021
67 d late
2018
36 d early
2016
34 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close25-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€4k▼ 28.5%
2024 · €5k
2021: €-214
2022: €113▲ +153% vs 2021
2023: €-2k▼ -2090% vs 2022lowest in 5 years
2024: €5k▲ +332% vs 2023highest in 5 years
2025: €4k▼ -28.5% vs 2024
2021 → 2025
Total assets
€31k▼ 6.2%
2024 · €33k
2022: €9klowest in 4 years
2023: €26k▲ +182% vs 2022
2024: €33k▲ +26.0% vs 2023highest in 4 years
2025: €31k▼ -6.2% vs 2024
2022 → 2025
Net result
€-1k
2024 · €7k
2022: €326
2023: €-2k▼ -821% vs 2022lowest in 4 years
2024: €7k▲ +416% vs 2023highest in 4 years
2025: €-1k▼ -120% vs 2024
2022 → 2025
Working capital
€2k▼ 62.1%
2024 · €5k
2022: €-5klowest in 4 years
2023: €-3k▲ +28.6% vs 2022
2024: €5k▲ +249% vs 2023highest in 4 years
2025: €2k▼ -62.1% vs 2024
2022 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-214-€113€-2k€5k€4k▼ 28.5%
2021: €-214
2022: €113▲ +153% vs 2021
2023: €-2k▼ -2090% vs 2022lowest in 5 years
2024: €5k▲ +332% vs 2023highest in 5 years
2025: €4k▼ -28.5% vs 2024
Operating result€407€-2k€8k€-969
2022: €407
2023: €-2k▼ -673% vs 2022lowest in 4 years
2024: €8k▲ +428% vs 2023highest in 4 years
2025: €-969▼ -113% vs 2024
Net result€326€-2k€7k€-1k
2022: €326
2023: €-2k▼ -821% vs 2022lowest in 4 years
2024: €7k▲ +416% vs 2023highest in 4 years
2025: €-1k▼ -120% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €969 after €8k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €31k
Fixed assets
€2k
Current assets
€29k
Equity and liabilities €31k
Equity
€4k ▼ 28.5%
Debt
€27k ▼ 2.0%
Debt's share of the balance-sheet total rises from 84.1% to 87.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-775▼
2024 · €9k
Cash flow
€-1k▼
2024 · €9k
Current ratio
1.07▼
2024 · 1.19
Debt to equity
7.25▲
2024 · 5.29
ROE
-39.8%▼
2024 · 143.1%
ROA
-4.8%▼
2024 · 22.8%
Interest coverage
-1.52▼
2024 · 40.37
Debt ≤ 1 year
€27k▼
2024 · €27k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€33k€31k▼
Fixed assets21/28€0€2k▲
Tangible fixed assets22/27€0€2k▲
Plant, machinery and equipment23-€2k
Furniture and vehicles24€0-
Current assets29/58€33k€29k▼
Amounts receivable within one year40/41€24k€24k▼
Trade receivables40€24k€24k▼
Other amounts receivable41€166-
Cash at bank and in hand54/58€8k€5k▼
Equity and liabilities
Total equity and liabilities10/49€33k€31k▼
Equity10/15€5k€4k▼
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-3k€-4k▼
Amounts payable17/49€27k€27k▼
Amounts payable within one year42/48€27k€27k▼
Financial debts43€14k€14k=
Credit institutions430/8€14k€14k=
Trade debts44€7k€7k▼
Suppliers440/4€7k€7k▼
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€1k€937▼
Remuneration and social security454/9€650€650=
Other amounts payable47/48€4k€4k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€194▼
Other operating charges640/8€907€579▼
Gross operating margin9900€10k€-196▼
Operating profit (loss)9901€8k€-969▼
Financial charges65/66B€221€510▲
Recurring financial charges65€221€510▲
Profit (loss) for the period before taxes9903€7k€-1k▼
Profit (loss) for the period9904€7k€-1k▼
Profit (loss) for the period to be appropriated9905€7k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€-4k▼
Profit (loss) brought forward from the previous period14P€-10k€-3k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €5k | €4k | €1k | €194 | ▼ 84.4% |
| Other operating charges640/8 | - | €1k | €288 | €907 | €579 | ▼ 36.2% |
| Gross operating margin9900 | - | €7k | €2k | €10k | €-196 | ▼ 102% |
| Operating profit (loss)9901 | - | €407 | €-2k | €8k | €-969 | ▼ 113% |
| Financial charges65/66B | - | €81 | €20 | €221 | €510 | ▲ 131% |
| Recurring financial charges65 | - | €81 | €20 | €221 | €510 | ▲ 131% |
| Profit (loss) for the period before taxes9903 | - | €326 | €-2k | €7k | €-1k | ▼ 120% |
| Profit (loss) for the period9904 | - | €326 | €-2k | €7k | €-1k | ▼ 120% |
| Profit (loss) for the period to be appropriated9905 | - | €326 | €-2k | €7k | €-1k | ▼ 120% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | - | €9k | €26k | €33k | €31k | ▼ 6.2% |
| Fixed assets21/28 | - | €5k | €1k | €0 | €2k | - |
| Tangible fixed assets22/27 | - | €5k | €1k | €0 | €2k | - |
| Plant, machinery and equipment23 | - | - | - | - | €2k | - |
| Furniture and vehicles24 | - | €5k | €1k | €0 | - | - |
| Current assets29/58 | - | €4k | €25k | €33k | €29k | ▼ 11.6% |
| Amounts receivable within one year40/41 | - | €2k | €25k | €24k | €24k | ▼ 1.6% |
| Trade receivables40 | - | €1k | €24k | €24k | €24k | ▼ 1.0% |
| Other amounts receivable41 | - | €726 | €726 | €166 | - | - |
| Cash at bank and in hand54/58 | - | €992 | - | €8k | €5k | ▼ 40.6% |
| Deferred charges and accrued income490/1 | - | €1k | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | - | €9k | €26k | €33k | €31k | ▼ 6.2% |
| Equity10/15 | €-214 | €113 | €-2k | €5k | €4k | ▼ 28.5% |
| Contributions10/11 | - | €6k | €6k | €6k | €6k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €-8k | €-8k | €-10k | €-3k | €-4k | ▼ 51.7% |
| Amounts payable17/49 | €214 | €9k | €28k | €27k | €27k | ▼ 2.0% |
| Amounts payable within one year42/48 | €214 | €9k | €28k | €27k | €27k | ▼ 2.0% |
| Financial debts43 | - | - | €14k | €14k | €14k | = |
| Credit institutions430/8 | - | - | €14k | €14k | €14k | = |
| Trade debts44 | - | €5k | €8k | €7k | €7k | ▼ 2.7% |
| Suppliers440/4 | - | €5k | €8k | €7k | €7k | ▼ 2.7% |
| Taxes, remuneration and social security45 | - | - | €1k | €2k | €2k | ▼ 10.6% |
| Taxes450/3 | - | - | €798 | €1k | €937 | ▼ 16.7% |
| Remuneration and social security454/9 | - | - | €650 | €650 | €650 | = |
| Other amounts payable47/48 | - | €4k | €4k | €4k | €4k | ▼ 4.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | - | €326 | €-2k | €7k | €-1k | ▼ 120% |
| + Depreciation and write-downs630 | - | €5k | €4k | €1k | €194 | ▼ 84.4% |
| Operating cash flow (approximation) | - | €5k | €1k | €9k | €-1k | ▼ 115% |
| Investment in fixed assets (approximation) | - | - | €0 | €0 | €-2k | - |
| Change in cash | - | - | - | - | €-3k | - |
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
2025
29-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Weakest financial yearnet €-2k
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
06-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 67 days late
2018
25-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2016
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2015
19-03
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema · 139 days late
2010
07-09
NBB filing
Annual accounts filed
fiscal year 2010 · abbreviated schema
2008
08-09
NBB filing
Annual accounts filed
fiscal year 2008 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 12 acts read
About the unread acts
We know of 12 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
12 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, Antwerpen · 1 establishment unit since 1997
Ground area
1,505 m²
Building footprint
711 m²
Volume, LiDAR
4,695 m³
2 parcels, Brussels, Flanders · tallest building 12.4 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
MATO'S
since 19972.082.501.908
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21003A0113/00K005 | Brussels | 1,140 m² | 1 · 515 m² | 12.4 m · 1 fl. |
| 11302A0320/00W008 | Flanders | 365 m² | 1 · 196 m² | 10.1 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Agatha-Berchem2.082.501.908
Similar companies · same sector, comparable size
Dell'Aiera Michele
BE 0414.524.055
La Louvière · Eq €3,709
BOEFKICK
BE 0799.574.463
Ninove · Eq €3,703
Bhar Antwerpen
BE 0789.313.843
Antwerpen · Eq €3,696
NOLIJFJE
BE 1022.589.539
Westerlo · Eq €3,693
RIDADAM
BE 0677.529.162
Antwerpen · Eq €3,759
Of 3,826 companies in sector 47210 we hold annual accounts for 965. 341 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
Founded11-03-1997
Fiscal year end31-03
Activities, NACEBEL 2025
47210Retail sale of fruit and vegetables
Scores and ratios are computed by Checked and are not a credit decision.