Skip to content

Matteam

Active
Private limited companyfounded 20242 yrs activeOscar Van Kesbeeckstraat 21, 2800 Mechelen, BelgiumKBO/BCE: BE 1006.312.543
Summary

The computed 12-month bankruptcy probability of Matteam is 2.5% (moderate). The 2025 annual accounts show negative equity (-€643,619) and a net result of -€653,619. Its solvency ranks better than 9% of 10552 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability0
Solvency6
Growth-
Track record67
Bankruptcy probability, 12 months
2.5% Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.67; short-term debt: 86.1% and cash: 26.1% of total assets), and equity is negative.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
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 →
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 2025
Solvency, return and age of the figures
Solvency
-18.6%
Return on assets
-18.9%
Age of the figures
12 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
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 02-04-2026, 28 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
28 d early
← before the deadline after the deadline →
Checked, nothing found (1)
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

History

Matteam was incorporated on 22 February 2024 as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

Go further with this company

Is this your company? See how customers and banks see it.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, abbreviated schema

Equity
-€643,619
Total assets
€3.5m
Net result
-€653,619
Working capital
-€977,607

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Balance-sheet composition
Assets €3.5m
Fixed assets €1.5m
Current assets €2.0m
Key figures and ratios
2025 value
EBITDA
-€367,341
Cash flow
-€459,316
Solvency
-18.6%
Current ratio
0.67
Quick ratio
0.33
Debt to equity
-6.37
ROA
-18.9%
Interest coverage
-3.98
Debt
€4.1m
Debt ≤ 1 year
€3.0m
Debt > 1 year
€1.1m
Income taxes
€238
Staff costs
€3.3m

Peer companies

Historical observation

Of the 490 companies that looked in July 2024 the way this one looks now, 6.7% went bankrupt within 24 months and 89% are still going.

  • Small
  • 2 to 5 years old
  • negative equity
  • a loss of 10% of the balance sheet or more
6.7% went bankrupt
3.9% stopped otherwise
89% still going

A further 0.6% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 2.5% 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 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 490 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
Filed annual accounts As filed with the NBB · 2025 · 46 lines
Balance sheet Code2025
Assets
Total assets20/58€3.5m
Fixed assets21/28€1.5m
Intangible fixed assets21€1.3m
Tangible fixed assets22/27€136,574
Plant, machinery and equipment23€65,494
Other tangible fixed assets26€71,080
Financial fixed assets28€3,000
Current assets29/58€2.0m
Stocks and contracts in progress3€1.0m
Stocks30/36€1.0m
Amounts receivable within one year40/41€62,213
Trade receivables40€60,509
Other amounts receivable41€1,705
Cash at bank and in hand54/58€902,067
Deferred charges and accrued income490/1€7,667
Equity and liabilities
Total equity and liabilities10/49€3.5m
Equity10/15-€643,619
Contributions10/11€10,000
Profit (loss) carried forward14-€653,619
Amounts payable17/49€4.1m
Amounts payable after more than one year17€1.1m
Financial debts170/4€1.1m
Amounts payable within one year42/48€3.0m
Current portion of amounts payable after more than one year42€131,101
Trade debts44€2.0m
Suppliers440/4€2.0m
Taxes, remuneration and social security45€434,605
Taxes450/3€2,385
Remuneration and social security454/9€432,220
Other amounts payable47/48€361,031
Accrued charges and deferred income492/3€22,403
Income statement Code2025
Remuneration, social security and pensions62€3.3m
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€194,302
Other operating charges640/8€5,357
Gross operating margin9900€2.9m
Operating profit (loss)9901-€561,643
Financial income75/76B€574
Recurring financial income75€574
Financial charges65/66B€92,311
Recurring financial charges65€92,311
Profit (loss) for the period before taxes9903-€653,380
Income taxes67/77€238
Profit (loss) for the period9904-€653,619
Profit (loss) for the period to be appropriated9905-€653,619
Appropriation of the result
Profit (loss) to be appropriated9906-€653,619
Social balance
Average headcount (FTE)908716.0

The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Remuneration, social security and pensions62€3.3m
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€194,302
Other operating charges640/8€5,357
Gross operating margin9900€2.9m
Operating profit (loss)9901-€561,643
Financial income75/76B€574
Recurring financial income75€574
Financial charges65/66B€92,311
Recurring financial charges65€92,311
Profit (loss) for the period before taxes9903-€653,380
Income taxes67/77€238
Profit (loss) for the period9904-€653,619
Profit (loss) for the period to be appropriated9905-€653,619
Line2025
Assets
Total assets20/58€3.5m
Fixed assets21/28€1.5m
Intangible fixed assets21€1.3m
Tangible fixed assets22/27€136,574
Plant, machinery and equipment23€65,494
Other tangible fixed assets26€71,080
Financial fixed assets28€3,000
Current assets29/58€2.0m
Stocks and contracts in progress3€1.0m
Stocks30/36€1.0m
Amounts receivable within one year40/41€62,213
Trade receivables40€60,509
Other amounts receivable41€1,705
Cash at bank and in hand54/58€902,067
Deferred charges and accrued income490/1€7,667
Equity and liabilities
Total equity and liabilities10/49€3.5m
Equity10/15-€643,619
Contributions10/11€10,000
Profit (loss) carried forward14-€653,619
Amounts payable17/49€4.1m
Amounts payable after more than one year17€1.1m
Financial debts170/4€1.1m
Amounts payable within one year42/48€3.0m
Current portion of amounts payable after more than one year42€131,101
Trade debts44€2.0m
Suppliers440/4€2.0m
Taxes, remuneration and social security45€434,605
Taxes450/3€2,385
Remuneration and social security454/9€432,220
Other amounts payable47/48€361,031
Accrued charges and deferred income492/3€22,403
Line2025
Profit (loss) for the period9904-€653,619
+ Depreciation and write-downs630€194,302
Operating cash flow (approximation)-€459,316

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

2026
02-04
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
NBB filing
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.

Have them read with priority Sign in to place this company at the front of the reading queue.

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, Mechelen · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
8,152 m²
Building footprint
3,036 m²
Volume, LiDAR
15,326 m³
Parcel 12402B0490/00Y004, Flanders · tallest building 20.2 m, ±2 floors. Linked by address, not a title deed.
3 companies at this address See who is registered here
1 establishment unit
Matteam
Oscar Van Kesbeeckstraat 21, 2800 MechelenRetail trade
since 20242.357.110.490
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
12402B0490/00Y004 Flanders 8,152 m² 1 · 3,036 m² 20.2 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.

Structure & network

Owners and holdings

1 owner

Chain of control

  1. FANARAF 100%
  2. Matteam

Highest known parent: FANARAF. The sources do not say who stands above it.

Owners 1

Holdings 0

No holding stated in the accounts, acts or LEI register we read.

According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Public money · subsidies and aid

Flemish government

2024 to 2025 · 2 entries · 706 EUR awarded · 706 EUR paid
Year Entries awardedpaid
2025 1 118 EUR118 EUR
2024 1 588 EUR588 EUR
Schemes
2 entries · 706 EUR · 706 EUR paid · Fonds voor Innoveren en Ondernemen

Recognitions · licences · registrations

Food safety, FASFC

1 site · 1 with a smiley
Mechelen2.357.110.490
4 permissions · smiley 2028NL00337 valid until 09-09-2028
Toelating · Bakkerij · since 10-09-2024
Toelating · Detailhandel · since 10-09-2024
Toelating · Viswinkel · since 10-09-2024
and 1 more

Dual-learning approval

3 live approvals
Onthaal, organisatie en sales duaal (so)
Goedgekeurd · 2026 to 2031
Winkelmedewerker (vwo)
Goedgekeurd · 2025 to 2030
Winkelmedewerker duaal (so)
Goedgekeurd · 2025 to 2030

Similar companies · same sector, comparable size

Of 10,509 companies in sector 47110 we hold annual accounts for 5,853. 1,918 are within a factor 10 of this headcount. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded22-02-2024
Fiscal year end30-09
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
E-invoicing
Reachable via Peppol
Peppol ID 0208:1006312543
Also 9925:BE1006312543
Registered 13-10-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.