MERCAT
ActiveMERCAT has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €127k and a net result of €-2k. Equity is growing by ~60.6% per year across the filed fiscal years. Its solvency ranks better than 36% of 26056 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-3
Solvency26▼-7
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.19 against 1.43 in 2023), and 83.3% 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
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
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 2024Solvency, return and age of the figures
Solvency
16.7%
Return on assets
-0.3%
Age of the figures
20 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
30 d late
2023
31 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
90 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€127k▼ 1.9%
2023 · €130k
2018: €7k
2019: €22k
2020: €31k
2021: €40k
2022: €129k
2023: €130k
2018 → 2024
Total assets
€760k▲ 8.9%
2023 · €698k
2018: €279k
2019: €288k
2020: €236k
2021: €247k
2022: €358k
2023: €698k
2018 → 2024
Net result
€-2k
2023 · €870
2018: €-11k
2019: €15k
2020: €9k
2021: €8k
2022: €89k
2023: €870
2018 → 2024
Working capital
€31k▼ 56.3%
2023 · €71k
2018: €15k
2019: €6k
2020: €-52k
2021: €-61k
2022: €66k
2023: €71k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€31k-€40k▲ 26.9%€129k▲ 224%€130k▲ 0.7%€127k▼ 1.9%
Operating result€14k-€16k▲ 12.8%€127k▲ 701%€28k▼ 77.6%€23k▼ 20.8%
Net result€9k-€8k▼ 6.5%€89k▲ 957%€870▼ 99.0%€-2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 21% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €760k
Fixed assets
€568k▲ 23.2%
Current assets
€192k▼ 19.0%
Equity and liabilities €760k
Equity
€127k▼ 1.9%
Provisions
€24k▼ 5.2%
Debt
€609k▲ 12.1%
The debt ratio rises from 77.8% to 80.1%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€86k▲
2023 · €78k
Cash flow
€61k▲
2023 · €51k
Solvency
16.7%▼
2023 · 18.6%
Current ratio
1.19▼
2023 · 1.43
Quick ratio
1.14▼
2023 · 1.36
Debt / equity
4.79▲
2023 · 4.19
ROE
-1.9%▼
2023 · 0.7%
ROA
-0.3%▼
2023 · 0.1%
Interest coverage
3.29▲
2023 · 2.07
Debt
€609k▲
2023 · €543k
Debt ≤ 1 year
€161k▼
2023 · €166k
Debt > 1 year
€447k▲
2023 · €375k
Income taxes
€1k▲
2023 · €586
Staff costs
€209k▲
2023 · €189k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€698k€760k▲
Fixed assets21/28€461k€568k▲
Intangible fixed assets21-€10k
Tangible fixed assets22/27€460k€557k▲
Land and buildings22€410k€488k▲
Plant, machinery and equipment23€15k€15k▲
Furniture and vehicles24€36k€54k▲
Financial fixed assets28€965€965=
Current assets29/58€237k€192k▼
Stocks and contracts in progress3€12k€9k▼
Stocks30/36€12k€9k▼
Amounts receivable within one year40/41€112k€101k▼
Trade receivables40€88k€76k▼
Other amounts receivable41€24k€25k▲
Cash at bank and in hand54/58€111k€74k▼
Deferred charges and accrued income490/1€3k€8k▲
Equity and liabilities
Total equity and liabilities10/49€698k€760k▲
Equity10/15€130k€127k▼
Contributions10/11€31k€31k=
Outside capital11€31k€31k=
Other1109/19€31k€31k=
Reserves13€82k€78k▼
Tax-exempt reserves132€78k€74k▼
Distributable reserves133€4k€4k=
Profit (loss) carried forward14€17k€18k▲
Provisions and deferred taxes16€25k€24k▼
Deferred taxes168€25k€24k▼
Amounts payable17/49€543k€609k▲
Amounts payable after more than one year17€375k€447k▲
Financial debts170/4€375k€447k▲
Amounts payable within one year42/48€166k€161k▼
Current portion of amounts payable after more than one year42€21k€35k▲
Trade debts44€90k€78k▼
Suppliers440/4€90k€78k▼
Taxes, remuneration and social security45€39k€40k▲
Taxes450/3€10k€2k▼
Remuneration and social security454/9€29k€39k▲
Other amounts payable47/48€17k€8k▼
Accrued charges and deferred income492/3€2k€885▼
Income statement
Code20232024
Non-recurring operating income76A-€7k
Remuneration, social security and pensions62€189k€209k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€50k€63k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€3k
Other operating charges640/8€11k€10k▼
Non-recurring operating charges66A€5k€3k▼
Gross operating margin9900€283k€310k▲
Operating profit (loss)9901€28k€23k▼
Financial income75/76B€10k€1k▼
Recurring financial income75€10k€1k▼
Financial charges65/66B€38k€26k▼
Recurring financial charges65€38k€26k▼
Profit (loss) for the period before taxes9903€344€-2k▼
Transfer from deferred taxes780€1k€1k▲
Income taxes67/77€586€1k▲
Profit (loss) for the period9904€870€-2k▼
Transfer from tax-exempt reserves789€3k€4k▲
Profit (loss) for the period to be appropriated9905€4k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€17k€18k▲
Profit (loss) brought forward from the previous period14P€13k€17k▲
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €89k ▲957%
Operating result €127k, net result €89k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.38
Current ratio from 0.62 to 1.38.
31-12
Financial
Equity above €100kEq €129k ▲224%
4 profitable years in a row build equity to €129k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 91 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, La Louvière · 1 establishment unit since 1996
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 la Grattine(L.L) 517100 La LouvièreGround area
1,451 m²
Parcel 55022A0482/00P000, Wallonia. Linked by address, not a title deed.
1 establishment unit
MERCAFRUITS
since 19962.062.917.113
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55022A0482/00P000 | Wallonia | 1,451 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLa Louvière2.062.917.113
Similar companies · same sector, comparable size
HOTTLET INTERNATIONAL AGENCIES
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Morlanwelz · Eq €127k
CENTRALE D'ACHATS BELGIQUE-FRANCE
BE 0633.795.723
Tournai · Eq €128k
AGROFFICE
BE 0440.522.134
Waregem · Eq €126k
I.KAYA HOLDING
BE 0766.522.209
Blégny · Eq €124k
Of 694 companies in sector 46392 we hold annual accounts for 483. 324 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-07-1993
Fiscal year end31-12
Activities, NACEBEL
46392Non-specialised wholesale
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
51392
52112
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.