Summary
MAVIROBA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €235k and a net result of €4k. Equity is growing by ~3% per year across the filed fiscal years. Its solvency ranks better than 26% of 8048 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 7 filingsDeviation from the deadline
2025
31 d late
2024
24 d early
2023
114 d late
2022
92 d late
2021
150 d late
2020
142 d late
2019
95 d late
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€235k▲ 1.7%
2024 · €231k
2019: €202k
2020: €179k
2021: €198k
2022: €230k
2023: €230k
2024: €231k
2019 → 2025
Net result
€4k▲ 761%
2024 · €452
2019: €127k
2020: €-24k
2021: €19k
2022: €32k
2023: €218
2024: €452
2019 → 2025
Total assets
€1.07M▲ 8.6%
2024 · €982k
2019: €892k
2020: €838k
2021: €847k
2022: €844k
2023: €874k
2024: €982k
2019 → 2025
Solvency
22.0%▼ 1.5pp
2024 · 23.5%
2019: 22.7%
2020: 21.3%
2021: 23.4%
2022: 27.3%
2023: 26.4%
2024: 23.5%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€198k-€230k▲ 16.1%€230k▲ 0.1%€231k▲ 0.2%€235k▲ 1.7%
Operating result€33k-€45k▲ 35.1%€8k▼ 82.9%€18k▲ 137%€12k▼ 31.4%
Net result€19k-€32k▲ 65.8%€218▼ 99.3%€452▲ 108%€4k▲ 761%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 31% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.07M
Fixed assets
€827k ▼ 0.1%
Current assets
€240k ▲ 55.2%
Equity and liabilities €1.07M
Equity
€235k ▲ 1.7%
Debt
€832k ▲ 10.8%
Debt's share of the balance-sheet total rises from 76.5% to 78.0%. Equity and debt are higher.
Key figures and ratios
ROE
1.7%▲
2024 · 0.2%
ROA
0.4%▲
2024 · 0.0%
Debt ≤ 1 year
€707k▲
2024 · €577k
Debt > 1 year
€125k▼
2024 · €174k
Income taxes
€3k▲
2024 · €949
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€982k€1.07M▲
Fixed assets21/28€827k€827k▼
Tangible fixed assets22/27€2k€1k▼
Plant, machinery and equipment23€2k€1k▼
Financial fixed assets28€826k€826k=
Current assets29/58€154k€240k▲
Amounts receivable within one year40/41€142k€230k▲
Trade receivables40€137k€223k▲
Other amounts receivable41€5k€7k▲
Cash at bank and in hand54/58€13k€10k▼
Deferred charges and accrued income490/1-€87
Equity and liabilities
Total equity and liabilities10/49€982k€1.07M▲
Equity10/15€231k€235k▲
Contributions10/11€165k€165k=
Reserves13€17k€17k=
Non-distributable reserves130/1€17k€17k=
Reserves not available under the articles1311€17k€17k=
Profit (loss) carried forward14€49k€53k▲
Amounts payable17/49€751k€832k▲
Amounts payable after more than one year17€174k€125k▼
Financial debts170/4€174k€125k▼
Amounts payable within one year42/48€577k€707k▲
Current portion of amounts payable after more than one year42€104k€107k▲
Trade debts44€33k€29k▼
Suppliers440/4€33k€29k▼
Taxes, remuneration and social security45€880€3k▲
Taxes450/3-€3k
Remuneration and social security454/9€880-
Other amounts payable47/48€439k€569k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€647€484▼
Other operating charges640/8€3k€436▼
Gross operating margin9900€21k€13k▼
Operating profit (loss)9901€18k€12k▼
Financial income75/76B€37€0▼
Recurring financial income75€37€0▼
Financial charges65/66B€17k€6k▼
Recurring financial charges65€17k€6k▼
Profit (loss) for the period before taxes9903€1k€7k▲
Income taxes67/77€949€3k▲
Profit (loss) for the period9904€452€4k▲
Profit (loss) for the period to be appropriated9905€452€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€49k€53k▲
Profit (loss) brought forward from the previous period14P€49k€49k▲
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 114 days late
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 92 days late
2022
31-12
Financial
Equity above €200kEq €230k ▲16.1%
2 profitable years in a row build equity to €230k.
28-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 150 days late
2021
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
20-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 142 days late
2020
31-12
Financial
Weakest financial yearnet €-24k
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
03-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 95 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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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Directors · office · real estate
Directors
2 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, Andenne · 1 establishment unit since 2018
Ground area
1,840 m²
Building footprint
91 m²
Parcel 92124A0075/00S000, Wallonia. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
MAVIROBA sprl
since 20182.277.702.134
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92124A0075/00S000 | Wallonia | 1,840 m² | 1 · 91 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.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 13,609 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded19-07-2018
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
73110Advertising agencies
93110Operation of sports facilities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:maxime.erpicum@yahoo.com
Phone:0477/210903