MATOCO
ActiveSummary
MATOCO has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €876k and a net result of €181k. Equity is growing by ~17.5% per year across the filed fiscal years. Its solvency ranks better than 82% of 10407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability87▲+4
Solvency95▲+9
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 5.07 against 5.02 in 2024; short-term debt: 18.6% and cash: 72.2% of total assets), and 29.6% 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
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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
70.4%
Return on assets
14.6%
Age of the figures
12 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
210 d late
2023
7 d late
2022
19 d late
2021
15 d early
2020
on the day
2019
5 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€876k▲ 16.1%
2024 · €754k
2018: €263klowest in 8 years
2019: €336k▲ +27.5% vs 2018
2020: €397k▲ +18.4% vs 2019
2021: €466k▲ +17.3% vs 2020
2022: €465k▼ -0.2% vs 2021
2023: €616k▲ +32.5% vs 2022
2024: €754k▲ +22.5% vs 2023
2025: €876k▲ +16.1% vs 2024highest in 8 years
2018 → 2025
Total assets
€1.24M▲ 1.1%
2024 · €1.23M
2018: €784klowest in 8 years
2019: €1.12M▲ +42.8% vs 2018
2020: €1.19M▲ +6.2% vs 2019
2021: €1.23M▲ +3.5% vs 2020
2022: €1.08M▼ -12.0% vs 2021
2023: €1.31M▲ +21.2% vs 2022highest in 8 years
2024: €1.23M▼ -6.2% vs 2023
2025: €1.24M▲ +1.1% vs 2024
2018 → 2025
Net result
€181k▲ 27.6%
2024 · €142k
2018: €151k
2019: €129k▼ -14.6% vs 2018
2020: €188k▲ +45.7% vs 2019
2021: €196k▲ +4.4% vs 2020
2022: €122k▼ -37.9% vs 2021lowest in 8 years
2023: €213k▲ +74.8% vs 2022highest in 8 years
2024: €142k▼ -33.2% vs 2023
2025: €181k▲ +27.6% vs 2024
2018 → 2025
Working capital
€940k▲ 1.9%
2024 · €922k
2018: €413klowest in 8 years
2019: €494k▲ +19.8% vs 2018
2020: €600k▲ +21.3% vs 2019
2021: €569k▼ -5.2% vs 2020
2022: €567k▼ -0.3% vs 2021
2023: €810k▲ +42.8% vs 2022
2024: €922k▲ +13.9% vs 2023
2025: €940k▲ +1.9% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€466k-€465k▼ 0.2%€616k▲ 32.5%€754k▲ 22.5%€876k▲ 16.1%
2021: €466k
2022: €465k▼ -0.2% vs 2021lowest in 5 years
2023: €616k▲ +32.5% vs 2022
2024: €754k▲ +22.5% vs 2023
2025: €876k▲ +16.1% vs 2024highest in 5 years
Operating result€269k-€168k▼ 37.7%€322k▲ 91.7%€216k▼ 32.9%€252k▲ 16.9%
2021: €269k
2022: €168k▼ -37.7% vs 2021lowest in 5 years
2023: €322k▲ +91.7% vs 2022highest in 5 years
2024: €216k▼ -32.9% vs 2023
2025: €252k▲ +16.9% vs 2024
Net result€196k-€122k▼ 37.9%€213k▲ 74.8%€142k▼ 33.2%€181k▲ 27.6%
2021: €196k
2022: €122k▼ -37.9% vs 2021lowest in 5 years
2023: €213k▲ +74.8% vs 2022highest in 5 years
2024: €142k▼ -33.2% vs 2023
2025: €181k▲ +27.6% vs 2024
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 17% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.24M
Fixed assets
€74k ▼ 7.8%
Current assets
€1.17M ▲ 1.7%
Equity and liabilities €1.24M
Equity
€876k ▲ 16.1%
Debt
€369k ▼ 22.7%
Debt's share of the balance-sheet total falls from 38.7% to 29.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€279k▲
2024 · €269k
Cash flow
€208k▲
2024 · €196k
Current ratio
5.07▲
2024 · 5.02
Quick ratio
4.44▲
2024 · 4.40
Debt to equity
0.42▼
2024 · 0.63
ROE
20.7%▲
2024 · 18.9%
ROA
14.6%▲
2024 · 11.6%
Interest coverage
11.32▼
2024 · 14.26
Debt ≤ 1 year
€231k▲
2024 · €229k
Debt > 1 year
€138k▼
2024 · €248k
Income taxes
€55k▼
2024 · €67k
Staff costs
€230k▲
2024 · €199k
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 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.23M€1.24M▲
Fixed assets21/28€80k€74k▼
Tangible fixed assets22/27€80k€74k▼
Plant, machinery and equipment23€55k€46k▼
Furniture and vehicles24€7k€0▼
Other tangible fixed assets26€18k€28k▲
Current assets29/58€1.15M€1.17M▲
Stocks and contracts in progress3€143k€145k▲
Stocks30/36€143k€145k▲
Amounts receivable within one year40/41€212k€72k▼
Trade receivables40€166k€50k▼
Other amounts receivable41€46k€22k▼
Current investments50/53€350k€50k▼
Cash at bank and in hand54/58€439k€899k▲
Deferred charges and accrued income490/1€7k€5k▼
Equity and liabilities
Total equity and liabilities10/49€1.23M€1.24M▲
Equity10/15€754k€876k▲
Contributions10/11€100k€100k=
Reserves13€654k€776k▲
Non-distributable reserves130/1€60k€60k=
Reserves not available under the articles1311€10k€60k▲
Own shares acquired1312€50k€0▼
Distributable reserves133€594k€716k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€477k€369k▼
Amounts payable after more than one year17€248k€138k▼
Financial debts170/4-€138k
Trade debts175€248k€0▼
Amounts payable within one year42/48€229k€231k▲
Current portion of amounts payable after more than one year42€18k€33k▲
Trade debts44€87k€69k▼
Suppliers440/4€87k€69k▼
Taxes, remuneration and social security45€34k€40k▲
Taxes450/3-€229
Remuneration and social security454/9€34k€40k▲
Other amounts payable47/48€90k€88k▼
Income statement
Code20242025
Remuneration, social security and pensions62€199k€230k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€54k€27k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€471k€511k▲
Operating profit (loss)9901€216k€252k▲
Financial income75/76B€13k€9k▼
Recurring financial income75€13k€9k▼
Financial charges65/66B€19k€25k▲
Recurring financial charges65€19k€25k▲
Profit (loss) for the period before taxes9903€209k€237k▲
Income taxes67/77€67k€55k▼
Profit (loss) for the period9904€142k€181k▲
Profit (loss) for the period to be appropriated9905€142k€181k▲
Appropriation of the result
Profit (loss) to be appropriated9906€142k€181k▲
Transfer from equity791/2€60k€0▼
Transfer to equity691/2€142k€181k▲
To other reserves6921€142k€181k▲
Profit to be distributed694/7€60k€0▼
Return on contributions (dividend)694€60k€0▼
Social balance
Average headcount (FTE)90875.26.1▲
The notes to these accounts (15 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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €158k | €166k | €187k | €199k | €230k | ▲ 15.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €68k | €70k | €70k | €54k | €27k | ▼ 50.4% |
| Other operating charges640/8 | €3k | €4k | €3k | €3k | €2k | ▼ 38.4% |
| Gross operating margin9900 | €497k | €408k | €582k | €471k | €511k | ▲ 8.3% |
| Operating profit (loss)9901 | €269k | €168k | €322k | €216k | €252k | ▲ 16.9% |
| Financial income75/76B | €7k | €6k | €8k | €13k | €9k | ▼ 26.7% |
| Recurring financial income75 | €7k | €6k | €8k | €13k | €9k | ▼ 26.7% |
| Financial charges65/66B | €19k | €15k | €17k | €19k | €25k | ▲ 30.3% |
| Recurring financial charges65 | €19k | €15k | €17k | €19k | €25k | ▲ 30.3% |
| Profit (loss) for the period before taxes9903 | €256k | €159k | €313k | €209k | €237k | ▲ 13.0% |
| Income taxes67/77 | €60k | €37k | €100k | €67k | €55k | ▼ 17.7% |
| Profit (loss) for the period9904 | €196k | €122k | €213k | €142k | €181k | ▲ 27.6% |
| Profit (loss) for the period to be appropriated9905 | €196k | €122k | €213k | €142k | €181k | ▲ 27.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.23M | €1.08M | €1.31M | €1.23M | €1.24M | ▲ 1.1% |
| Fixed assets21/28 | €233k | €180k | €128k | €80k | €74k | ▼ 7.8% |
| Tangible fixed assets22/27 | €233k | €180k | €128k | €80k | €74k | ▼ 7.8% |
| Plant, machinery and equipment23 | €173k | €136k | €94k | €55k | €46k | ▼ 15.5% |
| Furniture and vehicles24 | €29k | €22k | €15k | €7k | €0 | ▼ 100% |
| Other tangible fixed assets26 | €31k | €22k | €19k | €18k | €28k | ▲ 53.4% |
| Current assets29/58 | €997k | €902k | €1.18M | €1.15M | €1.17M | ▲ 1.7% |
| Stocks and contracts in progress3 | €121k | €136k | €167k | €143k | €145k | ▲ 0.9% |
| Stocks30/36 | €121k | €136k | €167k | €143k | €145k | ▲ 0.9% |
| Amounts receivable within one year40/41 | €234k | €228k | €257k | €212k | €72k | ▼ 66.1% |
| Trade receivables40 | €198k | €154k | €226k | €166k | €50k | ▼ 70.0% |
| Other amounts receivable41 | €37k | €74k | €31k | €46k | €22k | ▼ 51.9% |
| Current investments50/53 | - | - | €370k | €350k | €50k | ▼ 85.7% |
| Cash at bank and in hand54/58 | €635k | €533k | €383k | €439k | €899k | ▲ 105% |
| Deferred charges and accrued income490/1 | €7k | €5k | €6k | €7k | €5k | ▼ 21.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.23M | €1.08M | €1.31M | €1.23M | €1.24M | ▲ 1.1% |
| Equity10/15 | €466k | €465k | €616k | €754k | €876k | ▲ 16.1% |
| Contributions10/11 | €100k | €100k | €100k | €100k | €100k | = |
| Reserves13 | €357k | €359k | €512k | €654k | €776k | ▲ 18.6% |
| Non-distributable reserves130/1 | €10k | €10k | €60k | €60k | €60k | = |
| Reserves not available under the articles1311 | €10k | €10k | €10k | €10k | €60k | ▲ 500% |
| Own shares acquired1312 | - | - | €50k | €50k | €0 | ▼ 100% |
| Distributable reserves133 | €347k | €349k | €452k | €594k | €716k | ▲ 20.4% |
| Profit (loss) carried forward14 | - | - | - | - | €0 | - |
| Investment grants15 | €9k | €6k | €4k | - | - | - |
| Amounts payable17/49 | €764k | €618k | €696k | €477k | €369k | ▼ 22.7% |
| Amounts payable after more than one year17 | €336k | €282k | €322k | €248k | €138k | ▼ 44.3% |
| Financial debts170/4 | €76k | €15k | - | - | €138k | - |
| Trade debts175 | €260k | €267k | €322k | €248k | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €428k | €335k | €375k | €229k | €231k | ▲ 0.8% |
| Current portion of amounts payable after more than one year42 | €100k | €76k | €40k | €18k | €33k | ▲ 85.3% |
| Trade debts44 | €82k | €77k | €57k | €87k | €69k | ▼ 20.7% |
| Suppliers440/4 | €82k | €77k | €57k | €87k | €69k | ▼ 20.7% |
| Taxes, remuneration and social security45 | €26k | €27k | €77k | €34k | €40k | ▲ 17.4% |
| Taxes450/3 | - | - | €49k | - | €229 | - |
| Remuneration and social security454/9 | €26k | €27k | €28k | €34k | €40k | ▲ 16.7% |
| Other amounts payable47/48 | €220k | €155k | €200k | €90k | €88k | ▼ 1.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €196k | €122k | €213k | €142k | €181k | ▲ 27.6% |
| + Depreciation and write-downs630 | €68k | €70k | €70k | €54k | €27k | ▼ 50.4% |
| Operating cash flow (approximation) | €264k | €192k | €283k | €196k | €208k | ▲ 6.2% |
| Investment in fixed assets (approximation) | - | €-17k | €-18k | €-6k | €-20k | ▼ 248% |
| Change in cash | - | €-102k | €-149k | €56k | €460k | ▲ 729% |
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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
26-11
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 210 days late
2024
07-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 7 days late
2023
30-09
Financial
Highest result since 2018net €213k ▲74.8%
Operating result €322k, net result €213k, both a record.
30-09
Financial
Equity above €500kEq €616k ▲32.5%
6 profitable years in a row build equity to €616k.
19-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 19 days late
2022
30-09
Financial
Weakest financial yearnet €122k ▼37.9%
Net result drops to €122k, the lowest in the series; recovery starts the following year.
15-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
05-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 5 days late
2019
25-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
22-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 22 days late
2017
23-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Aarschot · 1 establishment unit since 2011
Ground area
1,062 m²
Building footprint
674 m²
Volume, LiDAR
3,403 m³
Parcel 24092E0072/00E002, Flanders · tallest building 10.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Diestsesteenweg 359, 3202 Aarschot
since 20112.195.298.951
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24092E0072/00E002 | Flanders | 1,062 m² | 1 · 673 m² | 10.8 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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 siteAarschot2.195.298.951
Dual-learning approval
3 live approvals · 3 endedOnthaal, organisatie en sales duaal (so)
Winkelmedewerker (vwo)
Winkelmedewerker duaal (so)
Show 3 ended approvals
Winkelbediende (so)
Winkelmedewerker (vwo)
Winkelmedewerker duaal (so)
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Of 10,510 companies in sector 47110 we hold annual accounts for 5,851. 2,402 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
Founded10-01-2011
Fiscal year end30-09
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
Scores and ratios are computed by Checked and are not a credit decision.