MATOLI
ActiveMATOLI has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €92k and a net result of €-73k. Equity is growing by ~17.5% per year across the filed fiscal years. Its solvency ranks better than 23% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-83
Solvency48▼-27
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 2.84 against 2.09 in 2024; short-term debt: 23.4% and cash: 6.9% of total assets), but 76.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
23.3%
Return on assets
-18.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 17022 sector peers (2025).
NBB · sector comparisonPosition among 17022 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 filingsDeviation from the deadline
2025
24 d late
2024
7 d early
2023
14 d early
2022
7 d late
2021
17 d early
2020
19 d early
2019
35 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-73k
2024 · €38k
2018: €-2k
2019: €18k
2020: €35k
2021: €30k
2022: €22k
2023: €26k
2024: €38k
2018 → 2025
Working capital
€169k▲ 37.2%
2024 · €124k
2018: €40k
2019: €58k
2020: €90k
2021: €111k
2022: €135k
2023: €138k
2024: €124k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€124k-€146k▲ 17.9%€143k▼ 1.8%€165k▲ 15.4%€92k▼ 44.5%
Operating result€41k-€32k▼ 21.8%€38k▲ 18.1%€53k▲ 40.2%€-72k
Net result€30k-€22k▼ 25.1%€26k▲ 18.5%€38k▲ 44.6%€-73k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €72k after €53k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €394k
Fixed assets
€132k▲ 45.9%
Current assets
€262k▲ 10.6%
Equity and liabilities €394k
Equity
€92k▼ 44.5%
Debt
€302k▲ 86.5%
The debt ratio rises from 49.5% to 76.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-52k▼
2024 · €58k
Cash flow
€-53k▼
2024 · €43k
Solvency
23.3%▼
2024 · 50.5%
Current ratio
2.84▲
2024 · 2.09
Quick ratio
2.84▲
2024 · 2.09
Debt / equity
3.30▲
2024 · 0.98
ROE
-80.2%▼
2024 · 23.0%
ROA
-18.7%▼
2024 · 11.6%
Interest coverage
-13.22▼
2024 · 52.66
Debt
€302k▲
2024 · €162k
Debt ≤ 1 year
€92k▼
2024 · €113k
Debt > 1 year
€83k
Income taxes
€179▼
2024 · €16k
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€327k€394k▲
Fixed assets21/28€90k€132k▲
Tangible fixed assets22/27€90k€132k▲
Land and buildings22€2k€2k▼
Furniture and vehicles24€9k€18k▲
Other tangible fixed assets26€79k€112k▲
Financial fixed assets28€44€44=
Current assets29/58€237k€262k▲
Amounts receivable within one year40/41€94k€65k▼
Trade receivables40€29k€19k▼
Other amounts receivable41€65k€46k▼
Cash at bank and in hand54/58€88k€27k▼
Deferred charges and accrued income490/1€55k€169k▲
Equity and liabilities
Total equity and liabilities10/49€327k€394k▲
Equity10/15€165k€92k▼
Contributions10/11€12k€12k=
Reserves13€153k€153k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€151k€151k=
Profit (loss) carried forward14€0€-73k▼
Amounts payable17/49€162k€302k▲
Amounts payable after more than one year17-€83k
Financial debts170/4-€83k
Amounts payable within one year42/48€113k€92k▼
Current portion of amounts payable after more than one year42-€18k
Trade debts44€81k€66k▼
Suppliers440/4€81k€66k▼
Advances received on contracts in progress46-€4k
Taxes, remuneration and social security45€17k€3k▼
Taxes450/3€17k€510▼
Remuneration and social security454/9€305€3k▲
Other amounts payable47/48€15k€314▼
Accrued charges and deferred income492/3€49k€127k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€21k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€119€0▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€59k€-51k▼
Operating profit (loss)9901€53k€-72k▼
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€1k€4k▲
Recurring financial charges65€1k€4k▲
Profit (loss) for the period before taxes9903€54k€-73k▼
Income taxes67/77€16k€179▼
Profit (loss) for the period9904€38k€-73k▼
Profit (loss) for the period to be appropriated9905€38k€-73k▼
Appropriation of the result
Profit (loss) to be appropriated9906€38k€-73k▼
Transfer from equity791/2€16k€0▼
Transfer to equity691/2€38k€0▼
To other reserves6921€38k€0▼
Profit to be distributed694/7€16k€0▼
Return on contributions (dividend)694€16k€0▼
The notes to these accounts (14 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Weakest financial yearnet €-73k ▼294%
Net result drops to €-73k, the lowest in the series.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €38k ▲44.6%
Operating result €53k, net result €38k, both a record.
31-12
Financial
Equity above €150kEq €165k ▲15.4%
6 profitable years in a row build equity to €165k.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €124k ▲31.5%
3 profitable years in a row build equity to €124k.
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity triplescurrent ratio 7.41
Current ratio from 2.69 to 7.41; short-term debt falls from €34k to €14k.
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 35 days late
2019
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 14 days late
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Jemeppe-sur-Sambre · 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.
Rue Alnoir 85190 Jemeppe-sur-SambreGround area
1,247 m²
Building footprint
83 m²
Volume, LiDAR
676 m³
Parcel 92068E0567/00Z004, Wallonia · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Alnoir 8, 5190 Jemeppe-sur-Sambre
since 20132.219.196.088
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92068E0567/00Z004 | Wallonia | 1,247 m² | 1 · 83 m² | 9.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 15,592 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-05-2013
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.matoli.be
E-mail:contact@matoli.be