MATTO

Active

Private limited companyfounded 20179 yrs activeZeedijk 69-70, 8370 Blankenberge, BelgiumKBO/BCE: BE 0674.516.125

MATTO has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €124k and a net result of €68k. Equity is growing by ~76.8% per year across the filed fiscal years. Its solvency ranks better than 87% of 12835 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).

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Checked score

Score 2025

100 / 100

Excellent= vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency100▲+5

Growth78=

Stability100

Bankruptcy probability, 12 months

1.4% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €12k at 30 days acceptable

Liquidity ample (current ratio 3.66 against 1.9 in 2024), and 25.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

74.9%

Return on assets

40.9%

Age of the figures

8 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

22 d early

2024

56 d late

2023

12 d late

2022

59 d late

← before the deadline after the deadline →

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 months

Position in the running window

09-09-2026 today31-12-2026 close31-07-2027 deadline

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

Financials · fiscal year 2025, micro schema

Equity

€124k▲ 92.8%

2024 · €64k

2022: €29k 2023: €15k 2024: €64k

2022 → 2025

Total assets

€166k▲ 48.9%

2024 · €111k

2022: €67k 2023: €72k 2024: €111k

2022 → 2025

Net result

€68k▲ 36.9%

2024 · €50k

2022: €-7k 2023: €-14k 2024: €50k

2022 → 2025

Working capital

€106k▲ 159%

2024 · €41k

2022: €11k 2023: €2k 2024: €41k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€29k-€15k▼ 49.1%€64k▲ 334%€124k▲ 92.8%

Operating result€-6k-€-14k▼ 118%€59k€90k▲ 52.3%

Net result€-7k-€-14k▼ 116%€50k€68k▲ 36.9%

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

Result per fiscal year

Operating resultNet result

After the dip in 2023 the operating result has climbed two years in a row; 2025 is 52% above 2024 and is the highest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €166k

12.4%

87.6%

Fixed assets €20k▼ 18.9%

Current assets €145k▲ 68.8%

Equity and liabilities €166k

74.9%

25.1%

Equity €124k▲ 92.8%

Debt €42k▼ 11.4%

The debt ratio falls from 42.1% to 25.1%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€96k▲

2024 · €65k

Cash flow

€74k▲

2024 · €55k

Solvency

74.9%▲

2024 · 57.9%

Current ratio

3.66▲

2024 · 1.90

Quick ratio

3.60▲

2024 · 1.84

Debt / equity

0.33▼

2024 · 0.73

ROE

54.6%▼

2024 · 77.0%

ROA

40.9%▼

2024 · 44.5%

Interest coverage

855.63▲

2024 · 83.65

Debt

€42k▼

2024 · €47k

Debt ≤ 1 year

€40k▼

2024 · €45k

Income taxes

€22k▲

2024 · €9k

Staff costs

€83k▲

2024 · €69k

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€111k€166k▲

Fixed assets21/28€25k€20k▼

Tangible fixed assets22/27€24k€19k▼

Land and buildings22€16k€15k▼

Plant, machinery and equipment23€7k€3k▼

Furniture and vehicles24€757€324▼

Financial fixed assets28€2k€2k=

Current assets29/58€86k€145k▲

Stocks and contracts in progress3€3k€3k▼

Stocks30/36€3k€3k▼

Amounts receivable within one year40/41€4k€5k▲

Trade receivables40€355€205▼

Other amounts receivable41€3k€5k▲

Cash at bank and in hand54/58€79k€137k▲

Deferred charges and accrued income490/1€1k€1k▼

Equity and liabilities

Total equity and liabilities10/49€111k€166k▲

Equity10/15€64k€124k▲

Contributions10/11€100€100=

Reserves13€64k€124k▲

Distributable reserves133€64k€124k▲

Amounts payable17/49€47k€42k▼

Amounts payable within one year42/48€45k€40k▼

Trade debts44€2k€2k▼

Suppliers440/4€2k€2k▼

Advances received on contracts in progress46-€7

Taxes, remuneration and social security45€22k€26k▲

Taxes450/3€12k€12k▲

Remuneration and social security454/9€10k€13k▲

Other amounts payable47/48€21k€12k▼

Accrued charges and deferred income492/3€2k€2k▲

Income statement Code20242025

Remuneration, social security and pensions62€69k€83k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▲

Other operating charges640/8€6k€5k▼

Gross operating margin9900€140k€184k▲

Operating profit (loss)9901€59k€90k▲

Financial income75/76B€60€109▲

Recurring financial income75€60€109▲

Financial charges65/66B€776€113▼

Recurring financial charges65€776€113▼

Profit (loss) for the period before taxes9903€59k€90k▲

Income taxes67/77€9k€22k▲

Profit (loss) for the period9904€50k€68k▲

Profit (loss) for the period to be appropriated9905€50k€68k▲

Appropriation of the result

Profit (loss) to be appropriated9906€48k€68k▲

Profit (loss) brought forward from the previous period14P€-2k-

Transfer to equity691/2€48k€60k▲

To other reserves6921€48k€60k▲

Profit to be distributed694/7-€8k

Directors or managers695-€8k

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 8Financial 4Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

09-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Highest result since 2022net €68k ▲36.9%

Operating result €90k, net result €68k, both a record.

31-12

Financial Equity above €100kEq €124k ▲92.8%

2 profitable years in a row build equity to €124k.

25-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 56 days late

2024

31-12

Financial Back to profitnet €50k

Net result €50k after 2 loss-making years.

12-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 12 days late

2023

31-12

Financial Weakest financial yearnet €-14k

Net result drops to €-14k, the lowest in the series; recovery starts the following year.

28-09

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 59 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

0 of 5 acts read

About the unread acts

We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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