MEMORIA GROUP
ActiveThe computed 12-month bankruptcy probability of MEMORIA GROUP is 2.4% (moderate). The 2025 annual accounts show equity of €54k and a net result of €-11k. Its solvency ranks better than 83% of 4577 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
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability1▼-96
Solvency97▲+6
Growth32
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 3.26 against 4.07 in 2024; short-term debt: 28.4% and cash: 75.2% of total assets), and 28.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 2025Solvency, return and age of the figures
Solvency
71.6%
Return on assets
-14.2%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 20-01-2026, 11 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
11 d early
2024
279 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€54k▼ 10.7%
2024 · €61k
2024: €61k
2024 → 2025
Total assets
€76k▼ 18.1%
2024 · €92k
2024: €92k
2024 → 2025
Net result
€-11k
2024 · €21k
2024: €21k
2024 → 2025
Working capital
€49k▼ 14.9%
2024 · €57k
2024: €57k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€61k-€54k▼ 10.7%
Operating result€28k-€-10k
Net result€21k-€-11k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €10k after €28k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €76k
Fixed assets
€6k▼ 66.5%
Current assets
€70k▼ 7.5%
Equity and liabilities €76k
Equity
€54k▼ 10.7%
Debt
€22k▼ 32.1%
The debt ratio falls from 34.3% to 28.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-8k▼
2024 · €39k
Cash flow
€-9k▼
2024 · €32k
Solvency
71.6%▲
2024 · 65.7%
Current ratio
3.26▼
2024 · 4.07
Quick ratio
3.26▼
2024 · 4.07
Debt / equity
0.40▼
2024 · 0.52
ROE
-19.9%▼
2024 · 34.2%
ROA
-14.2%▼
2024 · 22.5%
Interest coverage
-16.99▼
2024 · 32.53
Debt
€22k▼
2024 · €32k
Debt ≤ 1 year
€22k▲
2024 · €19k
Debt > 1 year
€0▼
2024 · €10k
Income taxes
€0▼
2024 · €6k
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€92k€76k▼
Fixed assets21/28€17k€6k▼
Tangible fixed assets22/27€16k€6k▼
Furniture and vehicles24€16k€6k▼
Financial fixed assets28€190€0▼
Current assets29/58€76k€70k▼
Amounts receivable after more than one year29-€13k
Trade receivables290-€13k
Amounts receivable within one year40/41€30k€522▼
Trade receivables40€27k€0▼
Other amounts receivable41€4k€522▼
Cash at bank and in hand54/58€45k€57k▲
Deferred charges and accrued income490/1€105€0▼
Equity and liabilities
Total equity and liabilities10/49€92k€76k▼
Equity10/15€61k€54k▼
Contributions10/11€40k€40k=
Profit (loss) carried forward14€21k€14k▼
Amounts payable17/49€32k€22k▼
Amounts payable after more than one year17€10k€0▼
Financial debts170/4€10k€0▼
Amounts payable within one year42/48€19k€22k▲
Current portion of amounts payable after more than one year42-€3k
Trade debts44€16k€17k▲
Suppliers440/4€16k€17k▲
Taxes, remuneration and social security45€1k€0▼
Taxes450/3€1k€0▼
Other amounts payable47/48€2k€2k▲
Accrued charges and deferred income492/3€3k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€2k▼
Other operating charges640/8€356€1k▲
Non-recurring operating charges66A-€4k
Gross operating margin9900€39k€-3k▼
Operating profit (loss)9901€28k€-10k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€1k€499▼
Recurring financial charges65€1k€499▼
Profit (loss) for the period before taxes9903€27k€-11k▼
Income taxes67/77€6k€0▼
Profit (loss) for the period9904€21k€-11k▼
Profit (loss) for the period to be appropriated9905€21k€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€14k▼
Profit (loss) brought forward from the previous period14P-€25k
The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
03-09
State Gazette act
Resignations & appointments · MiscellaneousGeneral meeting · Reserve release2 facts ▸
State Gazette act
Resignations & appointments · Miscellaneous
General meeting · Reserve release2 facts ▸
- General meeting, 2026-08-25
- Reserve release, statutair onbeschikbare eigen vermogensrekening beperkt tot € 8.000 en saldo beschikbaar gemaakt voor uitkering
20-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
07-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 279 days late
State Gazette actNBB filing
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Machelen (Brab.) · 2 establishment units 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.
Culliganlaan 2D1831 Machelen (Brab.)Ground area
3.4 ha
Building footprint
2,501 m²
Volume, LiDAR
41,890 m³
2 parcels, Brussels, Flanders · tallest building 28.3 m, ±7 floors. Linked by address, not a title deed.
2 establishment units
MEMORIA GROUP
since 20232.343.357.771
MEMORIA GROUP
since 20232.350.986.426
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23015B0090/00L000 | Flanders | 3.4 ha | 1 · 2,254 m² | 28.3 m · 7 fl. |
| 21392B0066/00P000 | Brussels | 262 m² | 1 · 247 m² | 18.8 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 903 companies in sector 96301 we hold annual accounts for 612. 395 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-02-2023
Fiscal year end30-06
Activities, NACEBEL
96301Funeral services
47789Other retail sale of new goods
56210Event catering
96302Personal service activities
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.