Mersato
ActiveMersato has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €149k and a net result of €24k. Equity is shrinking by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 87% of 2832 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability85▼-11
Solvency100▲+6
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 6.92 against 3.1 in 2023; short-term debt: 13.9% and cash: 86.6% of total assets), and 16.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-05-2025, 69 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
69 d early
2023
51 d early
2022
1 d early
2021
42 d early
2020
36 d early
2019
7 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€149k=
2023 · €149k
2018: €195k
2019: €259k
2020: €197k
2021: €149k
2022: €149k
2023: €149k
2018 → 2024
Total assets
€179k▼ 16.9%
2023 · €215k
2018: €204k
2019: €279k
2020: €336k
2021: €270k
2022: €214k
2023: €215k
2018 → 2024
Net result
€24k▼ 49.8%
2023 · €47k
2018: €58k
2019: €64k
2020: €58k
2021: €53k
2022: €45k
2023: €47k
2018 → 2024
Working capital
€147k▲ 6.0%
2023 · €139k
2018: €189k
2019: €256k
2020: €180k
2021: €128k
2022: €133k
2023: €139k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€197k-€149k▼ 24.2%€149k=€149k=€149k=
Operating result€73k-€67k▼ 8.3%€57k▼ 14.9%€60k▲ 4.7%€31k▼ 48.7%
Net result€58k-€53k▼ 8.5%€45k▼ 15.6%€47k▲ 5.3%€24k▼ 49.8%
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 2024; 2024 is 49% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €179k
Fixed assets
€7k▼ 34.8%
Current assets
€172k▼ 16.0%
Equity and liabilities €179k
Equity
€149k=
Debt
€30k▼ 55.2%
The debt ratio falls from 30.7% to 16.5%. Debt is lower.
Key figures and ratios
EBITDA
€36k▼
2023 · €65k
Cash flow
€29k▼
2023 · €53k
Solvency
83.5%▲
2023 · 69.3%
Current ratio
6.92▲
2023 · 3.10
Quick ratio
6.92▲
2023 · 3.10
Debt / equity
0.20▼
2023 · 0.44
ROE
15.8%▼
2023 · 31.6%
ROA
13.2%▼
2023 · 21.9%
Interest coverage
784.39▼
2023 · 1817.93
Debt
€30k▼
2023 · €66k
Debt ≤ 1 year
€25k▼
2023 · €66k
Income taxes
€7k▼
2023 · €13k
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€215k€179k▼
Fixed assets21/28€11k€7k▼
Tangible fixed assets22/27€11k€7k▼
Furniture and vehicles24€11k€7k▼
Current assets29/58€205k€172k▼
Amounts receivable within one year40/41€9k€17k▲
Trade receivables40€9k€11k▲
Other amounts receivable41€20€6k▲
Cash at bank and in hand54/58€195k€155k▼
Deferred charges and accrued income490/1-€191
Equity and liabilities
Total equity and liabilities10/49€215k€179k▼
Equity10/15€149k€149k=
Contributions10/11€19k€19k=
Reserves13€131k€131k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€129k€129k=
Profit (loss) carried forward14€0€0=
Amounts payable17/49€66k€30k▼
Amounts payable within one year42/48€66k€25k▼
Trade debts44€4k€0▼
Suppliers440/4€4k€0▼
Taxes, remuneration and social security45€8k€604▼
Taxes450/3€8k€604▼
Other amounts payable47/48€54k€24k▼
Accrued charges and deferred income492/3-€5k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▼
Other operating charges640/8€683€668▼
Non-recurring operating charges66A-€213
Gross operating margin9900€66k€37k▼
Operating profit (loss)9901€60k€31k▼
Financial charges65/66B€36€46▲
Recurring financial charges65€36€46▲
Profit (loss) for the period before taxes9903€60k€31k▼
Income taxes67/77€13k€7k▼
Profit (loss) for the period9904€47k€24k▼
Profit (loss) for the period to be appropriated9905€47k€24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€47k€24k▼
Profit to be distributed694/7€47k€24k▼
Return on contributions (dividend)694€47k€24k▼
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €24k ▼49.8%
Net result drops to €24k, the lowest in the series.
31-12
Financial
Liquidity doublescurrent ratio 6.92
Current ratio from 3.10 to 6.92; short-term debt falls from €66k to €25k.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
19-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
07-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 7 days late
2019
31-12
Financial
Highest result since 2018net €64k ▲9.5%
Operating result €81k, net result €64k, both a record.
31-12
Financial
Equity above €200kEq €259k ▲32.6%
2 profitable years in a row build equity to €259k.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Mortsel · 1 establishment unit since 2015
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.
Osylei 192640 MortselGround area
1,296 m²
Building footprint
108 m²
Volume, LiDAR
748 m³
Parcel 11029A0182/00D004, Flanders · tallest building 9.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Mersato
since 20152.242.377.506
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11029A0182/00D004 | Flanders | 1,296 m² | 1 · 108 m² | 9.0 m · 3 fl. |
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
2024 · 1 entry · 507 EUR awarded · 507 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 507 EUR | 507 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 16,887 companies in sector 62100 we hold annual accounts for 8,777. 6,848 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-05-2015
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62020IT consultancy
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.