Matthieu Materne
ActiveThe computed 12-month bankruptcy probability of Matthieu Materne is 2.3% (moderate). The 2025 annual accounts show equity of €68k and a net result of €40k. Its solvency ranks better than 47% of 4462 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability97▲+12
Solvency63▲+23
Growth78
Track record82
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 2.61 against 0.96 in 2024; short-term debt: 22% and cash: 53.6% of total assets), but 62.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+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 dateAge against the risk zone
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
Sector 81
higher
← 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
37.6%
Return on assets
22.3%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-06-2026, 53 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
53 d early
2024
24 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€68k▲ 146%
2024 · €28k
2024: €28k
2024 → 2025
Total assets
€180k▲ 0.9%
2024 · €179k
2024: €179k
2024 → 2025
Net result
€40k▲ 77.7%
2024 · €23k
2024: €23k
2024 → 2025
Working capital
€64k
2024 · €-2k
2024: €-2k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€28k-€68k▲ 146%
Operating result€32k-€56k▲ 72.8%
Net result€23k-€40k▲ 77.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 73% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €180k
Fixed assets
€77k▼ 34.1%
Current assets
€104k▲ 65.8%
Equity and liabilities €180k
Equity
€68k▲ 146%
Debt
€113k▼ 25.5%
The debt ratio falls from 84.6% to 62.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€97k▲
2024 · €73k
Cash flow
€82k▲
2024 · €63k
Solvency
37.6%▲
2024 · 15.4%
Current ratio
2.61▲
2024 · 0.96
Quick ratio
2.61▲
2024 · 0.96
Debt / equity
1.66▼
2024 · 5.47
ROE
59.3%▼
2024 · 81.9%
ROA
22.3%▲
2024 · 12.7%
Interest coverage
26.87▼
2024 · 41.58
Debt
€113k▼
2024 · €151k
Debt ≤ 1 year
€40k▼
2024 · €65k
Debt > 1 year
€73k▼
2024 · €86k
Income taxes
€12k▲
2024 · €8k
Staff costs
€469▼
2024 · €620
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€179k€180k▲
Fixed assets21/28€116k€77k▼
Tangible fixed assets22/27€116k€77k▼
Plant, machinery and equipment23€40k€23k▼
Furniture and vehicles24€77k€53k▼
Current assets29/58€63k€104k▲
Amounts receivable within one year40/41€7k€5k▼
Trade receivables40€3k€5k▲
Other amounts receivable41€4k-
Cash at bank and in hand54/58€56k€97k▲
Deferred charges and accrued income490/1€54€2k▲
Equity and liabilities
Total equity and liabilities10/49€179k€180k▲
Equity10/15€28k€68k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€23k€63k▲
Amounts payable17/49€151k€113k▼
Amounts payable after more than one year17€86k€73k▼
Financial debts170/4€86k€73k▼
Amounts payable within one year42/48€65k€40k▼
Current portion of amounts payable after more than one year42€13k€13k▲
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€2k€7k▲
Taxes450/3€2k€7k▲
Other amounts payable47/48€46k€16k▼
Income statement
Code20242025
Remuneration, social security and pensions62€620€469▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€42k▲
Other operating charges640/8€3k€1k▼
Gross operating margin9900€76k€99k▲
Operating profit (loss)9901€32k€56k▲
Financial income75/76B€15€0▼
Recurring financial income75€15€0▼
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€31k€52k▲
Income taxes67/77€8k€12k▲
Profit (loss) for the period9904€23k€40k▲
Profit (loss) for the period to be appropriated9905€23k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€23k€63k▲
Profit (loss) brought forward from the previous period14P-€23k
The notes to these accounts (6 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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity triplescurrent ratio 2.61
Current ratio from 0.96 to 2.61; short-term debt falls from €65k to €40k.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Chapelle-lez-Herlaimont · 1 establishment unit since 2023
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 de Nivelles 367160 Chapelle-lez-HerlaimontGround area
3,048 m²
Building footprint
127 m²
Volume, LiDAR
873 m³
Parcel 52027A0502/00V000, Wallonia · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Matthieu Materne
since 20232.354.642.138
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52027A0502/00V000 | Wallonia | 3,048 m² | 1 · 127 m² | 9.0 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900PO3B7AIHN8B342
Similar companies · same sector, comparable size
FLORADA TUINAANLEG
BE 0776.819.847
Maasmechelen · Eq €68k
LG TERRASSEMENT
BE 0759.604.129
Yvoir · Eq €68k
Tuinen HVM
BE 1006.795.365
Ledegem · Eq €68k
Davy Smet Tuinen
BE 0769.596.020
Lochristi · Eq €68k
ARTINOVA
BE 0873.472.924
Puurs-Sint-Amands · Eq €68k
Of 21,216 companies in sector 81300 we hold annual accounts for 4,363. 3,647 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-2023
Fiscal year end31-12
Activities, NACEBEL
81300Landscape service activities
13300Finishing of textiles
18120Other printing
18140Printing and reproduction of recorded media
73110Advertising agencies
74103Other professional, scientific and technical activities
74120Graphic design and visual communication
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0474 35 11 64