MATTCOM
ActiveSummary
MATTCOM has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €44,861 and a net result of €458. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 63% of 4579 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability19▼-3
Solvency78▲+1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity ample (current ratio 17.17 against 13.55 in 2024; short-term debt: 5.8% and cash: 5.7% of total assets), and 47.1% of the assets are financed with debt.
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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 81
Relative position
BE, all sectors
reference
Services to buildings and landscape activities (NACE 81)
about 79% more bankruptcies
← 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
52.9%
Return on assets
0.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
1 d early
2023
31 d late
2022
32 d late
2021
31 d late
2020
31 d late
2019
101 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 36 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 43% 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.
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€44,861▲ 1.0%
2024 · €44,403
Total assets
€84,738▼ 1.0%
2024 · €85,610
Net result
€458▼ 77.5%
2024 · €2,039
Working capital
€78,873▲ 1.7%
2024 · €77,588
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 81, Services to buildings and landscape activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€165▼ 87.6%€1,825▲ 1,006%€119▼ 93.5%-€3,164-€3,195▼ 1.0%
Net result€718within the sector's middle half▼ 63.9%€582within the sector's middle half▼ 18.9%€2,862within the sector's middle half▲ 392%€2,039within the sector's middle half▼ 28.8%€458within the sector's middle half▼ 77.5%
Equity€38,920within the sector's middle half▲ 1.9%€39,502within the sector's middle half▲ 1.5%€42,364within the sector's middle half▲ 7.2%€44,403within the sector's middle half▲ 4.8%€44,861within the sector's middle half▲ 1.0%
Total assets€87,049within the sector's middle half▼ 5.6%€77,594within the sector's middle half▼ 10.9%€80,572within the sector's middle half▲ 3.8%€85,610within the sector's middle half▲ 6.3%€84,738within the sector's middle half▼ 1.0%
Debt€48,129▼ 10.9%€38,092▼ 20.9%€38,208▲ 0.3%€41,207▲ 7.8%€39,878▼ 3.2%
Working capital€71,514above the sector's middle half▼ 1.2%€71,172above the sector's middle half▼ 0.5%€74,698above the sector's middle half▲ 5.0%€77,588above the sector's middle half▲ 3.9%€78,873above the sector's middle half▲ 1.7%
Solvency44.7%within the sector's middle half▲ 3.3pp50.9%within the sector's middle half▲ 6.2pp52.6%within the sector's middle half▲ 1.7pp51.9%within the sector's middle half▼ 0.7pp52.9%within the sector's middle half▲ 1.1pp
Current ratio6.59above the sector's middle half▲ 1.5925.66above the sector's middle half▲ 19.0724.44above the sector's middle half▼ 1.2213.55above the sector's middle half▼ 10.8917.17above the sector's middle half▲ 3.63
Return on assets (ROA)0.8%within the sector's middle half▼ 1.3pp0.8%within the sector's middle half▼ 0.1pp3.6%within the sector's middle half▲ 2.8pp2.4%within the sector's middle half▼ 1.2pp0.5%within the sector's middle half▼ 1.8pp
above
within
below
the middle half (P25 to P75) of NACE 81, Services to buildings and landscape activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3,195 in 2025 against €3,164 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €84,738
Fixed assets
€989 ▼ 46.2%
Current assets
€83,750 =
Equity and liabilities €84,738
Equity
€44,861 ▲ 1.0%
Debt
€39,878 ▼ 3.2%
Debt's share of the balance-sheet total falls from 48.1% to 47.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
-€2,346▼
2024 · -€2,315
Cash flow
€1,307▼
2024 · €2,888
Quick ratio
15.99▲
2024 · 12.57
Debt to equity
0.89▼
2024 · 0.93
ROE
1.0%▼
2024 · 4.6%
Interest coverage
-3.03▼
2024 · -2.41
Debt ≤ 1 year
€4,876▼
2024 · €6,184
Debt > 1 year
€35,000=
2024 · €35,000
Income taxes
€309▼
2024 · €846
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,027 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 17,027 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €348 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €789 | €697 | €849 | €849 | €849 | = |
| Gross operating margin9900 | €1,302 | €2,522 | €969 | -€2,315 | -€2,346 | ▼ 1.3% |
| Operating profit (loss)9901 | €165 | €1,825 | €119 | -€3,164 | -€3,195 | ▼ 1.0% |
| Financial income75/76B | €2,286 | €116 | €5,375 | €7,007 | €4,736 | ▼ 32.4% |
| Recurring financial income75 | €2,286 | €116 | €5,375 | €7,007 | €4,736 | ▼ 32.4% |
| Financial charges65/66B | €1,502 | €1,164 | €940 | €959 | €774 | ▼ 19.2% |
| Recurring financial charges65 | €1,502 | €1,164 | €940 | €959 | €774 | ▼ 19.2% |
| Profit (loss) for the period before taxes9903 | €949 | €777 | €4,554 | €2,885 | €767 | ▼ 73.4% |
| Income taxes67/77 | €231 | €195 | €1,692 | €846 | €309 | ▼ 63.5% |
| Profit (loss) for the period9904 | €718 | €582 | €2,862 | €2,039 | €458 | ▼ 77.5% |
| Profit (loss) for the period to be appropriated9905 | €718 | €582 | €2,862 | €2,039 | €458 | ▼ 77.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €87,049 | €77,594 | €80,572 | €85,610 | €84,738 | ▼ 1.0% |
| Fixed assets21/28 | €2,746 | €3,536 | €2,687 | €1,838 | €989 | ▼ 46.2% |
| Tangible fixed assets22/27 | €2,746 | €3,536 | €2,687 | €1,838 | €989 | ▼ 46.2% |
| Plant, machinery and equipment23 | €2,746 | €2,194 | €1,643 | €1,091 | €539 | ▼ 50.6% |
| Furniture and vehicles24 | - | €1,342 | €1,044 | €747 | €450 | ▼ 39.8% |
| Current assets29/58 | €84,303 | €74,058 | €77,885 | €83,772 | €83,750 | = |
| Stocks and contracts in progress3 | €8,030 | €7,681 | €6,466 | €6,059 | €5,795 | ▼ 4.4% |
| Stocks30/36 | €8,030 | €7,681 | €6,466 | €6,059 | €5,795 | ▼ 4.4% |
| Amounts receivable within one year40/41 | €56,345 | €56,395 | €66,110 | €70,816 | €73,100 | ▲ 3.2% |
| Trade receivables40 | €58 | €552 | - | €265 | - | - |
| Other amounts receivable41 | €56,287 | €55,843 | €66,110 | €70,551 | €73,100 | ▲ 3.6% |
| Cash at bank and in hand54/58 | €19,928 | €9,982 | €5,230 | €6,871 | €4,830 | ▼ 29.7% |
| Deferred charges and accrued income490/1 | - | - | €80 | €25 | €25 | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €87,049 | €77,594 | €80,572 | €85,610 | €84,738 | ▼ 1.0% |
| Equity10/15 | €38,920 | €39,502 | €42,364 | €44,403 | €44,861 | ▲ 1.0% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €15,078 | €15,660 | €18,522 | €20,561 | €21,019 | ▲ 2.2% |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Distributable reserves133 | €13,219 | €13,801 | €16,663 | €18,702 | €19,160 | ▲ 2.4% |
| Profit (loss) carried forward14 | €5,250 | €5,250 | €5,250 | €5,250 | €5,250 | = |
| Amounts payable17/49 | €48,129 | €38,092 | €38,208 | €41,207 | €39,878 | ▼ 3.2% |
| Amounts payable after more than one year17 | €35,000 | €35,000 | €35,000 | €35,000 | €35,000 | = |
| Financial debts170/4 | €35,000 | €35,000 | €35,000 | €35,000 | €35,000 | = |
| Amounts payable within one year42/48 | €12,789 | €2,886 | €3,187 | €6,184 | €4,876 | ▼ 21.1% |
| Trade debts44 | €1,324 | €2,529 | €1,042 | €3,533 | €4,567 | ▲ 29.3% |
| Suppliers440/4 | €1,324 | €2,529 | €1,042 | €3,533 | €4,567 | ▲ 29.3% |
| Advances received on contracts in progress46 | - | €73 | - | - | - | - |
| Taxes, remuneration and social security45 | - | - | €1,692 | €2,538 | €309 | ▼ 87.8% |
| Taxes450/3 | - | - | €1,692 | €2,538 | €309 | ▼ 87.8% |
| Other amounts payable47/48 | €11,465 | €284 | €453 | €113 | - | - |
| Accrued charges and deferred income492/3 | €340 | €206 | €21 | €23 | €1 | ▼ 94.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €718 | €582 | €2,862 | €2,039 | €458 | ▼ 77.5% |
| + Depreciation and write-downs630 | €789 | €697 | €849 | €849 | €849 | = |
| Operating cash flow (approximation) | €1,507 | €1,279 | €3,711 | €2,888 | €1,307 | ▼ 54.7% |
| Investment in fixed assets (approximation) | - | -€1,487 | -€0 | €0 | €0 | - |
| Change in cash | - | -€9,946 | -€4,752 | €1,642 | -€2,041 | ▼ 224% |
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €458 ▼77.5%
Net result drops to €458, the lowest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Highest result since 2018net €2,862 ▲392%
Net result €2,862, the highest in the series.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Liquidity quadruplescurrent ratio 25.66
Current ratio from 6.59 to 25.66; short-term debt falls from €12,789 to €2,886.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 5.00
Current ratio from 1.82 to 5.00; short-term debt falls from €41,894 to €18,087.
09-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 101 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Opwijk · 1 establishment unit since 1998
Ground area
6,484 m²
Building footprint
176 m²
Volume, LiDAR
912 m³
Parcel 23752F0006/00C000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Klaarstraat 145, 1745 Opwijk
since 19982.077.812.254
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23752F0006/00C000 | Flanders | 6,484 m² | 1 · 176 m² | 9.1 m · 2 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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Recognitions · licences · registrations
Food safety, FASFC
1 siteOpwijk2.077.812.254
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Of 21,225 companies in sector 81300 we hold annual accounts for 4,369. 3,576 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 (pre-2019)
Founded15-07-1996
Fiscal year end31-12
Activities, NACEBEL 2025
81300Landscape service activities
43320Joinery installation
43990Other specialised construction activities
95290Repair and maintenance of other personal and household goods
E-invoicing
Reachable via Peppol
Peppol ID
0208:0458489801
Also
9925:BE0458489801
Registered
20-11-2020
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.