MATTIBOUW
ActiveMATTIBOUW has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €396k and a net result of €212k. Equity is growing by ~13.3% per year across the filed fiscal years. Its solvency ranks better than 26% of 2152 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-9
Solvency41▼-7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 2.42 against 3.16 in 2024; short-term debt: 30.1% and cash: 3.5% of total assets), but 83.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 41
Relative position
BE, all sectors
reference
Sector 41
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
16.3%
Return on assets
8.8%
Age of the figures
9 mo
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
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 12-05-2026, 80 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
80 d early
2024
51 d early
2023
43 d early
2022
32 d early
2021
54 d early
2020
40 d early
2019
45 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
Equity
€396k▼ 20.9%
2024 · €500k
2018: €195k
2019: €196k
2020: €264k
2021: €337k
2022: €442k
2023: €413k
2024: €500k
2018 → 2025
Total assets
€2.42M▲ 8.9%
2024 · €2.22M
2018: €439k
2019: €426k
2020: €446k
2021: €519k
2022: €576k
2023: €1.31M
2024: €2.22M
2018 → 2025
Net result
€212k▼ 11.8%
2024 · €241k
2018: €81k
2019: €1k
2020: €64k
2021: €136k
2022: €204k
2023: €85k
2024: €241k
2018 → 2025
Working capital
€1.03M▼ 2.6%
2024 · €1.06M
2018: €77k
2019: €77k
2020: €131k
2021: €191k
2022: €326k
2023: €373k
2024: €1.06M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€337k-€442k▲ 31.0%€413k▼ 6.4%€500k▲ 21.0%€396k▼ 20.9%
Operating result€176k-€258k▲ 46.6%€107k▼ 58.7%€330k▲ 210%€330k=
Net result€136k-€204k▲ 49.6%€85k▼ 58.5%€241k▲ 184%€212k▼ 11.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 0% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.42M
Fixed assets
€659k▼ 2.1%
Current assets
€1.76M▲ 13.7%
Equity and liabilities €2.42M
Equity
€396k▼ 20.9%
Debt
€2.03M▲ 17.6%
The debt ratio rises from 77.5% to 83.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€377k▲
2024 · €375k
Cash flow
€260k▼
2024 · €285k
Solvency
16.3%▼
2024 · 22.5%
Current ratio
2.42▼
2024 · 3.16
Quick ratio
0.38▼
2024 · 0.87
Debt / equity
5.12▲
2024 · 3.44
ROE
53.6%▲
2024 · 48.1%
ROA
8.8%▼
2024 · 10.8%
Interest coverage
5.18▼
2024 · 7.36
Debt
€2.03M▲
2024 · €1.72M
Debt ≤ 1 year
€730k▲
2024 · €490k
Debt > 1 year
€1.30M▲
2024 · €1.23M
Income taxes
€50k▲
2024 · €50k
Staff costs
€296k▲
2024 · €257k
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€2.22M€2.42M▲
Fixed assets21/28€673k€659k▼
Tangible fixed assets22/27€673k€659k▼
Land and buildings22€542k€548k▲
Plant, machinery and equipment23€64k€44k▼
Furniture and vehicles24€67k€67k▼
Current assets29/58€1.55M€1.76M▲
Stocks and contracts in progress3€1.13M€1.49M▲
Stocks30/36€1.13M€1.49M▲
Amounts receivable within one year40/41€179k€152k▼
Trade receivables40€165k€143k▼
Other amounts receivable41€15k€9k▼
Cash at bank and in hand54/58€215k€84k▼
Deferred charges and accrued income490/1€31k€40k▲
Equity and liabilities
Total equity and liabilities10/49€2.22M€2.42M▲
Equity10/15€500k€396k▼
Contributions10/11€19k€19k=
Reserves13€482k€377k▼
Distributable reserves133€482k€377k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.72M€2.03M▲
Amounts payable after more than one year17€1.23M€1.30M▲
Financial debts170/4€1.23M€1.30M▲
Amounts payable within one year42/48€490k€730k▲
Current portion of amounts payable after more than one year42€107k€91k▼
Financial debts43€387€71▼
Credit institutions430/8€387€71▼
Trade debts44€163k€164k▲
Suppliers440/4€163k€164k▲
Taxes, remuneration and social security45€81k€61k▼
Taxes450/3€56k€32k▼
Remuneration and social security454/9€25k€29k▲
Other amounts payable47/48€138k€414k▲
Income statement
Code20242025
Remuneration, social security and pensions62€257k€296k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€47k▲
Other operating charges640/8€4k€7k▲
Non-recurring operating charges66A-€145
Gross operating margin9900€636k€680k▲
Operating profit (loss)9901€330k€330k=
Financial income75/76B€11k€5k▼
Recurring financial income75€11k€5k▼
Financial charges65/66B€51k€73k▲
Recurring financial charges65€51k€73k▲
Profit (loss) for the period before taxes9903€290k€262k▼
Income taxes67/77€50k€50k▲
Profit (loss) for the period9904€241k€212k▼
Profit (loss) for the period to be appropriated9905€241k€212k▼
Appropriation of the result
Profit (loss) to be appropriated9906€241k€212k▼
Transfer from equity791/2€53k€242k▲
Transfer to equity691/2€140k€137k▼
To other reserves6921€140k€137k▼
Profit to be distributed694/7€154k€317k▲
Return on contributions (dividend)694€53k€242k▲
Directors or managers695€101k€75k▼
Social balance
Average headcount (FTE)90873.83.8=
The notes to these accounts (22 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
12-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €241k ▲184%
Operating result €330k, net result €241k, both a record.
31-12
Financial
Equity above €500kEq €500k ▲21%
7 profitable years in a row build equity to €500k.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €200kEq €264k ▲34.6%
3 profitable years in a row build equity to €264k.
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €1k ▼98.5%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
03-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 3 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 25 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, Zoersel · 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.
Violetlaan 412980 ZoerselGround area
1,983 m²
Building footprint
194 m²
Parcel 11017A0485/00R000, Flanders. Linked by address, not a title deed.
1 establishment unit
MATTIBOUW
since 20132.224.616.707
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11017A0485/00R000 | Flanders | 1,983 m² | 1 · 193 m² | - |
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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 1,593 EUR awarded · 1,593 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,000 EUR | 1,000 EUR |
| 2023 | 1 | 500 EUR | 500 EUR |
| 2022 | 1 | 93 EUR | 93 EUR |
Schemes
Premie kwalificerend werkplekleren
Stagebonus (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Dual-learning approval
4 live approvals · 1 endedMedewerker ruwbouw (vwo)
Medewerker ruwbouw duaal (so)
Metselaar (vwo)
Ruwbouw duaal (so)
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Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 10,100 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-11-2013
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
42219Civil engineering
42911Civil engineering
43110Demolition
43120Site preparation
43130Specialised construction activities
43910Bricklaying and masonry work
43990Other specialised construction activities
43994Specialised construction activities
43999Specialised construction activities
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.