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MATOCA

Active
Private limited companyfounded 199233 yrs activeLinderstraat 40, 3700 Tongeren-Borgloon, BelgiumKBO/BCE: BE 0449.024.381
Summary

MATOCA has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €97,880 and a net result of €1,818. Equity is growing by ~10% per year across the filed fiscal years. Its solvency ranks better than 30% of 4038 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
MATOCAActiveChecked score 90/100
Risk analysis ReportCompare

Overview

Activity
Other tax advisory services
NACE 69209Retail sale of clothing and accessories for women, men, children and babies (general range) NACE 47716NACE 52421
3 sites
Size
€469,273total assets 2025
Staff
0.4 FTE
Equity
€97,880
Profit
€1,818
Turnover not published (abridged schema)
Financial health
90 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Accounts filed 19 d late0 of 4 deeds read
Why 90+ Sector Legal and accounting activities (NACE 69)+ Size: 0.4 FTE, total assets €469,273+ Founded in 1992+ Figures for FY 2025 (filed 19-08-2026)Show the evidence

Checked score

Score 2025
90 / 100
Excellent
Probability in this band: under 0.55%
Better than 19% of its sector peers (NACE 69, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 46=
equity 20.9% of total assets
Liquidity 19-3
short-term debt 69.0% · cash 4.5%
Profitability 40-11
return on assets 0.4%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (20,004 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● 0.0% vs 11-2024 01-2025: 0.1%● 0.0% vs 12-2024 02-2025: 0.1%● 0.0% vs 01-2025 03-2025: 0.1%▲ +6.5% vs 02-2025 04-2025: 0.1%▲ +3.0% vs 03-2025 05-2025: 0.1%▲ +1.0% vs 04-2025 06-2025: 0.1%▼ -1.0% vs 05-2025 07-2025: 0.2%▲ +61.8% vs 06-2025 08-2025: 0.3%▲ +63.0% vs 07-2025 09-2025: 0.4%▲ +36.8% vs 08-2025highest value 10-2025: 0.1%▼ -84.2% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%▼ -8.6% vs 12-2025lowest value 02-2026: 0.1%● 0.0% vs 01-2026lowest value 03-2026: 0.1%▲ +11.3% vs 02-2026 04-2026: 0.1%▲ +8.5% vs 03-2026 05-2026: 0.1%▲ +1.6% vs 04-2026 06-2026: 0.1%▲ +1.5% vs 05-2026 07-2026: 0.1%▲ +24.2% vs 06-2026 08-2026: 0.2%▲ +146% vs 07-2026 09-2026: 0.1%▼ -73.8% vs 08-2026lowest value 10-2026: 0.1%● 0.0% vs 09-2026lowest value
  • Sector Legal and accounting activities (NACE 69) lowers the probability
  • Size: 0.4 FTE, total assets €469,273 lowers the probability for this profile
  • Founded in 1992 lowers the probability for this profile
  • Figures for FY 2025 (filed 19-08-2026) lowers the probability
Credit up to €8,000 at 30 days acceptable
Liquidity tight (current ratio 1.14 against 1.25 in 2024; short-term debt: 69% and cash: 4.5% of total assets), and 79.1% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 69, micro). Better than this share of them on solvency 23%, liquidity 4%, profitability 9%, growth against the median 42%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 06-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Sector Legal and accounting activities (NACE 69)
In the bankruptcy model this factor lowers the probability.
KBO
lowers risk · Size: 0.4 FTE, total assets €469,273
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Founded in 1992
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Figures for FY 2025 (filed 19-08-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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 · 10 filings
Deviation from the deadline
2025
19 d late
2024
29 d late
2023
23 d late
2022
7 d late
2021
43 d early
2020
65 d late
2019
271 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 53 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% 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 19 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
07-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Annual accounts filedfiscal year 2024 · abbreviated…
  3. Annual accounts filedfiscal year 2023 · abbreviated…

Key points

  • Caution: Among the weakest 12% on net resultsector median €97,474 · 4,027 companies €1,818 View
  • Positive: 7 profitable years in a rowprofit 2025: €1,818 7 years View
  • Active since 1992founded 22-12-1992 33 years View

By topic

Financials

Fiscal year
2025
Total assets
€469,273
Profit
€1,818
Solvency
20.9%
Total assets▲ 1.2%
Net result
20182025
Go to Financials

Timeline

Events
12
Since
2017
Next accounts
by 31-07-2027
  1. 19-08-2026Annual accounts filed
  2. 29-08-2025Annual accounts filed
  3. 23-08-2024Annual accounts filed
Go to Timeline

Company details

Sites
3
Legal form
Private limited company
Activity
Other tax advisory servicesNACE 69209
Founded
22-12-1992
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Subsidies How does this company compare with its sector?Sector benchmark

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