MATRAY, MATRAY & HALLET
ActiveMATRAY, MATRAY & HALLET has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €660k and a net result of €323k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 44% of 3263 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+24
Solvency62▼-1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 1.5 against 1.49 in 2024; short-term debt: 61.8% and cash: 12.8% of total assets), but 62.5% 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 69
Relative position
BE, all sectors
reference
Sector 69
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
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
37.5%
Return on assets
18.4%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
30 d late
2024
4 d early
2023
1 d early
2022
18 d early
2021
5 d early
2020
3 d early
2019
7 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€323k
2024 · €-6k
2018: €390k
2019: €208k
2020: €580k
2021: €557k
2022: €257k
2023: €487k
2024: €-6k
2018 → 2025
Working capital
€549k▲ 1.4%
2024 · €541k
2018: €1.24M
2019: €1.05M
2020: €1.01M
2021: €895k
2022: €905k
2023: €836k
2024: €541k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€955k-€962k▲ 0.7%€995k▲ 3.5%€674k▼ 32.3%€660k▼ 2.1%
Operating result€600k-€294k▼ 50.9%€535k▲ 81.7%€-4k€324k
Net result€557k-€257k▼ 53.8%€487k▲ 89.6%€-6k€323k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €324k after a loss of €4k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.76M
Fixed assets
€124k▼ 12.8%
Current assets
€1.64M=
Equity and liabilities €1.76M
Equity
€660k▼ 2.1%
Provisions
€13k▲ 38.3%
Debt
€1.09M▼ 0.6%
The debt ratio rises from 61.6% to 61.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€374k▲
2024 · €70k
Cash flow
€374k▲
2024 · €67k
Solvency
37.5%▼
2024 · 37.9%
Current ratio
1.50▲
2024 · 1.49
Quick ratio
1.50▲
2024 · 1.49
Debt / equity
1.65▲
2024 · 1.62
ROE
49.0%▲
2024 · -0.9%
ROA
18.4%▲
2024 · -0.4%
Interest coverage
321.27▲
2024 · 23.22
Debt
€1.09M▼
2024 · €1.09M
Debt ≤ 1 year
€1.09M▼
2024 · €1.09M
Income taxes
€2k▼
2024 · €4k
Staff costs
€977k▲
2024 · €958k
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€1.78M€1.76M▼
Fixed assets21/28€142k€124k▼
Intangible fixed assets21-€7k
Tangible fixed assets22/27€116k€91k▼
Plant, machinery and equipment23€36k€41k▲
Furniture and vehicles24€80k€50k▼
Financial fixed assets28€25k€25k=
Current assets29/58€1.64M€1.64M=
Amounts receivable within one year40/41€1.27M€1.37M▲
Trade receivables40€1.22M€1.31M▲
Other amounts receivable41€49k€61k▲
Cash at bank and in hand54/58€320k€226k▼
Deferred charges and accrued income490/1€45k€39k▼
Equity and liabilities
Total equity and liabilities10/49€1.78M€1.76M▼
Equity10/15€674k€660k▼
Contributions10/11€111k€107k▼
Reserves13€267k€234k▼
Non-distributable reserves130/1€23k€23k=
Reserves not available under the articles1311€23k€23k=
Distributable reserves133€244k€210k▼
Profit (loss) carried forward14€296k€319k▲
Provisions and deferred taxes16€9k€13k▲
Provisions for liabilities and charges160/5€9k€13k▲
Other liabilities and charges164/5€9k€13k▲
Amounts payable17/49€1.09M€1.09M▼
Amounts payable within one year42/48€1.09M€1.09M▼
Current portion of amounts payable after more than one year42€55k-
Financial debts43-€150k
Credit institutions430/8-€150k
Trade debts44€242k€353k▲
Suppliers440/4€242k€353k▲
Advances received on contracts in progress46€83k€946▼
Taxes, remuneration and social security45€284k€229k▼
Taxes450/3€129k€109k▼
Remuneration and social security454/9€155k€120k▼
Other amounts payable47/48€431k€354k▼
Income statement
Code20242025
Non-recurring operating income76A€17k-
Remuneration, social security and pensions62€958k€977k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€74k€50k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€30k€-49k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€264€3k▲
Other operating charges640/8€9k€6k▼
Non-recurring operating charges66A€68k€89k▲
Gross operating margin9900€1.14M€1.40M▲
Operating profit (loss)9901€-4k€324k▲
Financial income75/76B€4k€3k▼
Recurring financial income75€4k€3k▼
Financial charges65/66B€3k€1k▼
Recurring financial charges65€3k€1k▼
Profit (loss) for the period before taxes9903€-3k€326k▲
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€-6k€323k▲
Profit (loss) for the period to be appropriated9905€-6k€323k▲
Appropriation of the result
Profit (loss) to be appropriated9906€539k€619k▲
Profit (loss) brought forward from the previous period14P€545k€296k▼
Transfer from equity791/2€75k€38k▼
Profit to be distributed694/7€318k€338k▲
Return on contributions (dividend)694€75k€38k▼
Directors or managers695€243k€300k▲
Social balance
Average headcount (FTE)908716.717.1▲
The notes to these accounts (13 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 30 days late
2025
31-12
Financial
Back to profitnet €323k
Net result €323k after one loss-making year.
27-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €-6k ▼101%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Highest result since 2018net €580k ▲178%
Operating result €644k, net result €580k, both a record.
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Liège · 3 establishment units since 1998
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 des Fories 24020 LiègeGround area
1,417 m²
Building footprint
1,266 m²
Volume, LiDAR
20,164 m³
3 parcels, Brussels, Flanders, Wallonia · tallest building 38.4 m, ±11 floors. Linked by address, not a title deed.
3 establishment units
Rue des Fories 2, 4020 Liège
since 19982.143.857.871
Kloosterdreef 7, 1000 Brussel
since 19982.143.857.970
MATRAY, MATRAY ET HALLET
since 20142.236.671.827
3 parcels
Flanders
1
(33.3%)
Wallonia
1
(33.3%)
Brussels
1
(33.3%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21822R0327/00E000 | Brussels | 574 m² | 1 · 660 m² | 15.3 m · 2 fl. |
| 62817C0238/00A003 | Wallonia | 506 m² | 1 · 460 m² | 38.4 m · 11 fl. |
| 11809I2139/00Z004 | Flanders | 337 m² | 1 · 146 m² | 13.7 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 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 22,049 companies in sector 69101 we hold annual accounts for 9,048. 5,272 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-03-1999
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.